This is how I find the right credit card for me

Anyone who compares the many credit card offers will quickly realize that finding the right one for your needs can sometimes be a challenge. Our detailed credit card guide sheds light on your cards and is available for free PDF download.

One thing first: You should think carefully about what you want to do with a credit card and how you will use it in everyday life. If you like to travel, the acceptance of the card and the fees for paying and withdrawing in currencies other than the euro play a larger role than for consumers who like to shop and take advantage of cash back programs. Frequent travelers may have a credit card that offers a fuel discount; frequent flyers usually value additional bonus miles or special services such as access to airport lounges.

Which payment type you are is also important when choosing a credit card. Should card transactions be requested immediately from the reference account, or is a collective invoice at the end of the month sufficient? Are you looking for a flexible option with a partial payment function? which you can also use as an alternative to the classic “Overdraft”? Or would you rather play it safe and choose a prepaid version on a credit basis without any credit limit?

The important issue of costs remains: banks charge a variety of fees for credit cards. If you choose the wrong provider or an unsuitable card, you will definitely pay too much. The differences can already be seen in the annual fee. An expensive credit card costs up to 100 euros or more, while cheap cards cost nothing at all.

We have created a practical guide so that you know all the important details about credit cards.

Find the right credit card – the guide

Our free credit card guide, which you can download for free as a PDF HERE, gives you a complete overview of what you need to know when choosing your new credit card.

Credit card guide to download

Our guide is available free of charge as a PDF and can be easily printed out. They are suitable for anyone who wants to find out more about credit cards – regardless of whether you are currently looking for a credit card, would like to exchange your current one or are looking for a second card.

Credit card is very easy: Download the clear checklist HERE for free.

What can you expect in the guide?

The credit card guide highlights all important questions about credit cards. These are in particular:

Credit card and debit card: You will find out what a credit card is used for in everyday life, how payment processing actually works and what essentially distinguishes it from the classic Girocard. So credit card works!

Credit card types: Credit cards differ primarily in how they work. Here you will find out important information about the use and advantages of debit cards, charge cards, revolving cards or prepaid cards. This guy suits you!

Credit card provider: Credit cards are available from banks, financial service providers or directly from the card companies. Payment processing is always carried out by one of the major credit card companies Visa, MasterCard, American Express and Diners Club. These can be the four players on the market!

The credit card application: You can obtain American Express or the Diners Club Card directly from the card company. MasterCard or Visa Card usually from banks and savings banks or other companies and organizations. This is how the credit card application works and what you can do with additional functions!

Safety and correct handling: Credit cards are convenient means of payment, no question about it. But they also have risks that you should pay attention to. Why data theft on the Internet Card abuse or over-indebtedness are important issues!

Credit card costs: Not every credit card is free. This applies to both their possession and their use in everyday life. Basic and annual fees, withdrawal and usage fees, foreign currency fees, loan interest: you should keep an eye on all costs!

Credit card loss: If your credit card is lost or stolen, the only solution is to act quickly and have the card blocked. Either by telephone using the card company’s central blocking emergency number or emergency number or directly via the card provider’s app. Lost card – what to do!

Make your everyday life easier with the right credit card

As a useful aid, credit cards have become indispensable as cashless payment methods accepted worldwide. The different variants enable you to find the right model depending on your life situation. “Real” credit cards are particularly recommended for hotel or rental car bookings, and prepaid cards also make everyday life easier in many areas.

Typically, the credit card still comes with the monthly billing and credit limit. As a charge card, it even offers its users an interest-free loan every month. The major providers such as Visa, MasterCard, American Express and Diners Club each have their own fee concepts and acceptance ranges. Premium credit cards offer luxury, but this comes with higher additional costs.

Download our free checklist and find the right card and financing options for your daily use. You can also find attractive, current offers in the numerous online comparisons online.

By the way: In our PDF library, in addition to this guide, you will also find helpful tips on building financing.