By transfer pay with credit card

A credit card is a cashless currency. She grants to the map owner a credit for the purchase of goods or services. Under the concept Credit card some different map types are summarized:

The credit card form most frequent in Germany by far is the debit map. It is not a credit card in the real sense, because everything are debited a sum to an account with her effected issues relatively at short notice and as a whole sum by an authoritative giro account.

With a load Card against it the owner receives once monthly a calculation about all issues effected in this period - then these are debited a sum to an account as a whole by an authoritative giro account for the period of the acquisition up to paying the credit card calculation the map owner receives an interest-free credit from the respective loan institute.

A so-called Revolving Credit Card (in german Kreditkarte) charges to the owner for his issues, exactly like a load Card, once monthly
accumulatedly. In addition, however, the map owner has the possibility to pay back the amount in rates. With it this map form amounts to a current-account credit like the drawing credit, indeed, with the advantage that during the first repayment term still no lending rates result. If one decides, however, on a payment by instalments, the bank-usual Überziehungszinsen (up to 16%) ordinarily become due.

In addition, there is still a big number of Co-Branding-Cards. This are credit cards which are published by an enterprise in collaboration with a loan institute, as for example the Lufthansa-VISA-Card. These maps connect generally the achievements of a load Card with special achievements which are dependent on the respective partner enterprise, how improved hired car prices etc.

Credit cards can be equipped with other functions, e.g., money card function, telephone card function and they can embody additional offers, e.g., insurance achievements. Juridically the obligation explanation of the exhibitor forms the basis of the credit card in favour of the map owner to answer for those of this obligation received by third. By a demand purchase the Kredtikartenorganisation takes over the payment of the achievements taken up by the map owner.

To be able to use a credit card it is necessary that the map is also accepted by the business. In him Mastercard and visas with about 400,000 acceptance places are widespread in Germany and about 50,000 usable cash dispensers.