Which credit card is right for you? According to experts, there are clear differences not only in terms of price

Looking for a suitable credit card?

Depending on which you choose, you can save up to 136 euros a year, says Stiftung Warentest.

With

Paying, that is practical in many cases, and especially when you are abroad you are often happy to have one with you.

But which one is actually the right one?

The experts at

explain how the four types of credit cards differ “on the market” - for example, the way in which credit card sales are billed:

Paying by credit card - four types of credit cards "on the market"

• Charge card:

  With this type, the bank issues a total invoice for all sales once a month and withdraws the amount from the current account by direct debit, as

  Test.de describes

  in an article.

  "The customer thus has a short-term interest-free loan."

• Credit-Card

  : Here there is the option of partial payment, in which the credit card statement is converted into an installment payment: “Only a certain percentage of the monthly sales is deducted. The remainder continues as a loan with a high interest rate of 12 to 20 percent annually until the customer transfers the missing invoice amount (revolving credit), "continues

  Test.de.

  “Most of the time, a customer can opt out of this installment payment option. That makes sense."

• Debit card

  : In the case of cash withdrawals or payments, the connected checking account is debited on the same day with the debit card, explains the experts at

  Stiftung Warentest

  in the article.

  Your advice: "It does not correspond to a real credit card and is therefore not accepted by some service providers such as some car rental companies."

• Prepaid Cards:

  The user has the card "before paying money to charge," reads the statement on

  Test.de

  .

  "He can only spend as much as he has paid in and receives the card without a credit check." The amount is deducted from the balance immediately after payment.

Also read:

Card payment: debit card or credit card?

What are the possible advantages or disadvantages of a

compared to a

? “It is not just online banks that are now often offering the debit card free of charge as an addition to the current account,” the consumer advice center informs on its website. The credit card, on the other hand, costs extra. In addition, "the immediate debiting of the account usually gives you better cost control," it says on

For online purchases, debit cards are "usually accepted without any problems". On the other hand, there could be problems on vacation. "If you have a deposit for hotel or rental car bookings, it would be better to take a real credit card with you when you travel."

When choosing a credit card, think about your own needs

So it is important to ask yourself what you really need the card for.

For example, do you use the card more often to

abroad, or almost exclusively for

?

And then does a

card

also

, or are possible

worthwhile in your case

?

Here it is worthwhile to compare different offers.

Also interesting:

According to Stiftung Warentest, there are sometimes large price differences

Because, not least in

there are often clear

According to a report by the German Press Agency (dpa) on October 19, the

 looked at 28 widely used credit cards and the associated costs. The range for the annual fee alone is between 0 and 136 euros, says Kerstin Ofen from

in the dpa report.

What about the

?

Here, too, you should inquire carefully beforehand when choosing the right credit card.

For withdrawing money with a credit card at the machine you have to pay between zero and four percent of the total fee, according to the dpa report, for example.

Which in the most expensive case would mean that 16 euros would be due if you were to withdraw 400 euros.

You should also check beforehand whether there are any additional costs abroad.

Also read: The

Some

are “only at first glance completely free of charge to purchase and use”,

also

(as of February 22): “In fact, with some offers, the customer cannot exclude partial payment.

He has to settle the bill punctually every month by bank transfer. ”If you can't cope with this, you should avoid such cards, the experts advise in the article.

"Partial payment is preset for some credit cards, but can be deselected."

Sources: dpa, Test.de, V

erbüberszentrale.de

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