The credit card is a practical means of payment for your trips abroad and for purchases on the Internet. Our credit card base offers you all the advantages of a credit card. It also prevents your account from falling into the red.
Credit cards have been available at the savings banks for many decades. Most of them work on this principle: First you pay the bill. The amount will then be debited from your account. This is usually done once a month by direct debit. With the credit card basis it is the other way round: you load the amount of money of your choice onto the card. As soon as the money is credited to the credit card base, you can start shopping with it. Once this credit has been used up, no further withdrawals with the card are possible. This makes the credit card basis particularly suitable for young people and adults who otherwise cannot get a credit card or who are very security-oriented.
The advantages of the credit card base
- Convenient cashless payment with all the advantages of a credit card
- Suitable for withdrawing money from ATMs worldwide
- Full cost control, as dispositions are only possible within the framework of the previously deposited credit
- Convenient access to balance, sales and monthly statements via the Internet, bank statement printer or telephone hotline
No proof of creditworthiness and income required
Young people often do not have regular incoming payments on their accounts. The credit card basis is an interesting solution for you, because it is independent of income. Even adults who do not receive a credit card with credit lines due to a lack of creditworthiness can pay with the rechargeable credit card. It may happen that the credit for due bookings (for example at parking machines or toll stations) is sometimes not sufficient. Then these amounts will be debited to the specified billing account.
Reloading on the go
You can top up the basic credit card by bank transfer or standing order from your checking account. This also works when you are traveling and can access your account on the go. Amounts received on the credit card account by 3:30 p.m. will be available the next working day. Credit notes can also come from a third-party checking account. For example, this enables parents to support their children financially during their studies or while traveling.
Protected in the event of loss
If the card is lost or stolen, the loss is no more than the credit. In such a case, have the card blocked immediately by calling the free telephone hotline. This number also applies from abroad with the German area code (usually +49). Until blocked, you are liable for a maximum of 50 euros – as with all other Smacklend credit cards.