credit cards are not freely available to the General public. Interested parties must meet certain requirements , so that the providers allow you for a credit card. Basically, there is a need to meet the following requirements:

• age of majority (18 years)
• resident in Germany
• have a Positive credit rating and no negative Schufa-entries

In addition, individual credit cards may require individual further requirements.

the special case of a Prepaid credit card: Prepaid credit cards are an exception to this. Since they usually offer no credit and credit are based, are some of the deals for minors available (children-credit cards). Generally speaking, no Schufa query is also needed. Persons with irregular or no income can apply for a Prepaid credit card without Schufa.

credit card: how to

step 1: credit card comparison

credit cards no longer exist in various versions, long the cards only withdraw cash or make cashless payments. For some credit cards is to pay an annual fee, while others, so-called free credit cards, do without it altogether. Packages and conditions are in different positions – it's hard to keep track. Before you Apply for a credit card, it is therefore useful to have a credit cards comparison to perform. Such a comparison helps to find the right payment card. The FOCUS-Online-Partner card scout offers a comparison between over 100 credit cards. Due to the large selection of filter options, interested parties can limit the choice to the credit cards that match your needs and Desires. Both costs and benefits of each offer will be able to view prospects then and compare. Display Top free credit cards in card scout

step 2: Online or in the store?

credit cards can usually be easily from home via the Internet request. In the credit card comparison of card scout get request by clicking on "map" directly to the online form the credit card provider. Of course, credit cards in a Bank on the spot in conversation with an employee request, provided the supplier is not an Online Bank. These usually have no branch. In both cases, the application for a credit card is straightforward and free of charge.

recommended credit cards

1plus VISA-Card

• worldwide free cash withdrawals
• cost 5% reimbursement on travel bookings
• no Bank Account required

DetailsZum provider Wüstenrot Top Giro Visa Premium

• in the first year, post-free
• worldwide free cash withdrawals
• travel insurance package including trip cancellation and travel health insurance, Travel baggage insurance and travel Service-insurance

DetailsZum provider DKB-Cash

• worldwide free cash withdrawals
• free to play Online(Giro)account
• Cashback program included

DetailsZum provider

step 3: Application form

fill to fill in to Apply For a credit card, it is first of all an application form. Most of the following personal data are requested:

• Name
• date of birth
• address
• job Situation
• information on life and living situation
• Possibly. other account links

step 4: test

After the credit card provider has examined the legitimacy of the card request must go through the applicant continues to be a legitimacy check. This means that the identity of the applicant must be confirmed. There are several options.

branch: Should be filled by prospective customers of the credit card application in a branch of the provider and an employee checked in the rule, the identity directly in front of the place. For this purpose, the applicant must carry a valid identity document. An identity card is the safest Option, in part, a passport can be sufficient.

post-Ident - procedure: When applying for a credit card over the Internet provider for the identity check usually the postident-procedure. For this purpose, the applicant to print the filled-in card application, sign it, and bring him to a branch of the Deutsche Post. There a member of staff then checked again on a valid identification document – the identity of the applicant. He then noted the confirmation of the identity on the PostIdent-Coupon that is attached to the application form.

video identification process: , more and more credit card providers also provide the video ID procedure. Here, the legitimacy can test from home to perform. In the case of a video call with the credit card provider applicants must hold the valid identity document in the Webcam. The comparison of the data of the identification document and of the Person of the applicant can be identified. Then applicant will get a identification Code sent to your phone. The input of the code includes the legitimacy.

step 5: credit card to get

After a few days the applicant will receive the credit card and the related PIN by Post, in two separate letters. In the event that the credit card is tied to a checking account, send the provider the appropriate documents, as well as the Girocard and also by Post. The credit card is now without any further wait operational. Only Prepaid credit cards need to charge holder with a credit balance.

credit card: duration

, Depending on the card, the period of time between the request and the map will Get a different one. The fastest way to apply for a Online provider that manages, in the best case without a post-Ident-procedure is in the rule. A legitimacy about the video identification process is significantly faster. Nevertheless, applicants have to wait some days on the credit card, while the provider performs a credit check. The viabuy Prepaid MasterCard is the only credit card that the video Ident-accepted procedures and at the same time a credit check is waived. The provider of the credit card sends you within 24 hours. The disadvantage of the credit card, low credit limit and the credit-based management of the card. Before the first use, the holder must fill up the card with credit, which can again take time. Credit card to apply for as a company? Corporate credit cards are the right answer. Now to compare! Cancel credit card (display) frequently cancelled credit cards: Amazon cancel credit card | Barclaycard cancel | LBB cancel credit card | American Express to terminate | ADAC cancel credit card | Ikano Bank credit card cancel | Postbank cancel credit card | PAYBACK Visa card, cancel All the credit cards in the Special of FOCUS Online

credit cards comparison

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Prepaid credit cards

credit cards without Schufa

credit card with no checking account

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lbw Date Of Update: 10 February 2020, 15:00