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German credit cards work differently than in other countries. They're mainly used for online shopping, travel, and emergencies. For daily purchases, Germans typically use debit cards (EC-Karte) or cash. Many credit cards in Germany are actually charge cards - the full balance must be paid monthly.
Use your card anywhere Visa or Mastercard is accepted globally
Enhanced fraud protection for online purchases
Complimentary travel and rental car insurance coverage
Cash advances available worldwide in case of emergency
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Extended warranty and damage protection for purchases
Access to airport lounges worldwide (premium cards)
Many cards offer fee-free international spending
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Bank performs SCHUFA credit check and approves application
An EC-Karte (debit card) directly debits money from your bank account and is used for daily purchases. A credit card allows you to borrow money up to a credit limit and pay it back later, typically monthly.
Not exactly. Many German "credit cards" are actually charge cards where you must pay the full balance monthly. True revolving credit cards (where you can carry a balance and pay interest) are less common but available.
Yes, but you'll need a German address, bank account, and regular income. EU citizens have an easier process. Non-EU citizens may need to wait 6-12 months after arrival to build a SCHUFA credit history.
SCHUFA is Germany's main credit bureau. Banks check your SCHUFA score before approving credit cards. New residents start with no score, which improves over time with responsible financial behavior.
Yes, prepaid credit cards are a good option for people with poor credit or new residents. You load money onto the card and can only spend what you've deposited. They work worldwide like regular credit cards.
Watch for: annual fees, foreign transaction fees, ATM withdrawal fees, late payment fees, over-limit fees, and cash advance fees. Many cards waive annual fees for the first year.
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