What is SCHUFA? Simply explained
SCHUFA assesses your creditworthiness. We explain how it works, what data is stored and how to improve your score.
6 min read
Credit card guides
Everything you need to know about credit cards — from SCHUFA to the application and required documents.
Applying for a credit card: step by step
From comparison to the finished card: we show you how the credit card application works and what to watch out for.
7 min read
Which documents do I need for the application?
These documents and details you should have ready for a smooth credit card application.
4 min read
The 4 types of credit cards at a glance
Credit, charge, debit or prepaid? We explain the differences and who each card suits.
5 min read
What costs does a credit card incur?
Annual fee, foreign currency, withdrawal & interest — we make all cost points transparent.
5 min read
How secure are credit cards?
From 3D Secure to liability in case of misuse: how well your credit card payments are protected.
4 min read
Using a credit card abroad: avoid fees & pay smart
Foreign currency fee, withdrawal charges, the DCC trap: we show which costs really arise abroad and which cards and tricks save you real money on holiday.
8 min read
Credit card without SCHUFA: which options really exist
Even with negative or no SCHUFA you don't have to go without a card. We explain prepaid and debit cards without a credit check — and where their limits lie.
6 min read
Credit card for students: what really matters
No fixed income but full of wanderlust: we show which credit card makes sense for students, what to watch on fees and what alternatives exist.
6 min read
Credit card with travel insurance: what's really covered
Travel health, trip cancellation and rental car cover included? We explain which insurances credit cards offer, what conditions apply and where to be careful.
7 min read
Virtual credit card & mobile payment: Apple Pay and Google Pay
Pay with your smartphone, shop online securely with virtual cards: we explain how Apple Pay and Google Pay work, how secure they are and how to set them up.
6 min read
Instalment payment on credit cards: how to avoid the interest trap
Revolving credit sounds convenient but is expensive: effective rates of often over 17 % can pile up. We explain instalment payment and how to switch to interest-free full payment.
7 min read