Germany to facilitate credit card

Today, in Germany, less cash in the wallet, and known as "credit card" is more a variety of magnetic cards. In Bo, a German company's senior manager of the friends I have read given his wallet, which converted into cash up less than 200 euros, if the money is used to his luxury car, "BMW" has only enough fuel three times However, flying inside of a variety of colorful credit card but there are as many as 78. A card around the world Germany is currently the main flow of credit card "cash card (EC)" and "credit card (VISA)" two broad categories. The former user accounts in the bank liquidity (Girokonto) into the memory of the cash-based, like a purse, as long as the money on account, cardholders will be able to use its cash or consumption; the latter is a kind of money after the first Also the magnetic-currency accounts. According to the user's income, repayment requirements and so on in the past users have different lines of advance, usually allowed to advance at least 1000 euros. This, of course, to spend the money needed to pay interest, but if the required period of time to Qian Hai, the interest was not high. With credit card is very convenient indeed. Germany is currently the vast majority of shops and transport, catering, accommodation, entertainment, health care and services have been adopted by the company and the bank card network, consumer cards are quite common. Both the hotel, enjoy shopping or other services, as long as the card when clearing a brush, and then enter a password or a sign of an end to all problems will feel easy at the same time shows the stock cool. In Germany, there do not even need a credit card identification will be able to rent a car. Some car rental companies simply do not recognize only the identification cards of money. In some big cities such as Berlin's train station is also equipped with automatic machine rental. Just brush a credit card, enter a password, and then prompted to choose models based on the screen, such as hiring, machines will spit auto rental car keys and the necessary proof car and told the location of the car park, all the formalities have been completed. "Malicious overdraft" was subject to heavy penalties Credit card can be a great convenience to consumers, while in Germany it is not difficult to obtain credit cards, as long as 18 years of age, income, place of residence are fixed by the bank to apply for credit cards, of course, would like to open a bank Account. Open an account, consumers must provide their ID cards issued by the Civil Affairs Bureau and the proof of fixed residence, some banks also require proof of income. If a foreigner to open an account, but also to produce a long-term residence visa valid passport. If the documents are available, quite simply open an account, the bank clerk in the presence of the surface to fill forms, bank customers and then personal computers enter the data, all the proof copy to stay at the end, customers will be able to go home waiting for. Usually 1-2 weeks, various types of credit card and password will be sent to each home. In fact, if the user to maintain credibility, it is simple: non-cash card overdrafts, credit card pay back the money in a timely manner, then in the hands of the credit card will be very convenient and "friendly." However, if illegal, but it is not talking sensibilities. Several of my friends have since been inadvertently feel the credit card "dangerous" side of experience. In early 1999, my friend received a notice of a supermarket, said that years ago she used credit cards to spend nearly 50 marks, but the bank refused to pay the money on the grounds that her cash flow account not enough money left . The supermarket will be paid immediately asked her yet, more and pay a fine as a 50%. In fact, my friend years ago through the bank statements that his account of the limited amount of money, and also intend to deposit some money, but it was just Christmas and New Year, or those days she has enough to do Or bank holiday break, to save money to do so after years of delay. She also fined but the heart against flu, so one after another to find a bank to conduct business with the theory, explained that the number of holidays during that period, the bank closed the regular rest, she did not have the opportunity to save money. Moreover, she owed the money are not many supermarkets, less than half the time, the fines are so high, hard to understand. However, the bank told her that time although more rest days, but there is still business days. The business is more blunt answer: not much knowledge is still remaining in the account by credit card spending, which "malicious overdraft" suspicion, punishable by heavy fines for granted. 1 marks must also But compared with other colleagues in my credit card at the time of encounter, it seems more "tragic." This is the money of ordinary people Datailielie, often over money, but can not remember in what place, careless of such harm him. He left for home, business to the Ministry of the bank to withdraw their accounts. At that time, he did not know that his credit card in less than a 1 marks the arrears, which may be the sum of outstanding advances that interest. Shortly after the return, he received a bank transfer to open an account at the time of the notice, he reminded the specified time limit on further debt or face additional "warning of interest." He would like to have their own home, but also the amount owed is too small, this little money on that world-famous big banks, is nothing, so they pay no attention to it. Thought there banks to continue heavy with Cold Cuiyao arrears letters, "warning of interest" has become "punitive interest." Only six months after he was owed by less than 1 marks to facilitate the roll due to profit by almost 20 marks. In the near future, the bank also sent the "ultimatum" to tell him, if not a week will pay off debt and the interest of all, it is necessary to him to court. At this time he did not realize the serious international long-distance immediately asked me to help settle the matter. I rushed to the bank, when his total debt has reached nearly 23 marks. The matter of bank employees very seriously told me that this gentleman had repeatedly ignored warnings to the banks being considered for inclusion in the "credibility of the very poor" rating. If so, the future anywhere in the world, he will be very difficult for the bank's credit card customers, "the non-performing loans also do not act," even record may be the bank's cooperation in the banking system for the record.