Mit einer Kreditkarte im engeren Sinne kann der Kartenbesitzer Zahlungen im Rahmen einer vorher mit der kartenausgebenden Bank vereinbarten Kreditlinie vornehmen. Der in Anspruch genommene Kreditbetrag ist später verzinst an die Bank zurückzuführen.
Im weiteren Sinne werden als Kreditkarten auch Zahlungslösungen bezeichnet, die technisch auf ähnlichen Abrechnungssystemen basieren, aber eine Zahlung nur im Rahmen eines vorhandenen Guthabens zulassen. Hierunter fallen beispielsweise sogenannte Debit-Cards, bei deren Nutzung das Girokonto des Karteninhabers direkt debitiert wird und Prepaid-Kreditkarten, die eine vorherige Aufladung durch eine Überweisung benötigen.
Kreditkarte – Pro:
- Hohe Akzeptanz: Kreditkarten werden an Millionen von Zahlungsstellen weltweit als Zahlungsmittel akzeptiert
- Unkomplizierter Kredit: Einmal beantragt kann der Karteninhaber unter Einsatz seiner Kreditkarte kurzfristig Leistungen auf Kredit in Anspruch nehmen
- Schnelle Zahlung: Zahlungen per Kreditkarte werden sehr schnell ausgeführt, was gerade beim Einkaufen im Internet zur schnellen Versendung der Ware führt.
Kreditkarte – Contra:
- Hohe Kreditzinsen: Außerhalb eines oftmals eingeräumten zinsfreien Zahlungsziels betragen die Kreditzinsen auf einen negativen Kreditkartensaldo in der Regel zwischen 9,00% und 20,00% p.a.
- Schlechter Überblick: Die Kreditkartenabrechnung erhält der Kunde monatlich, es besteht also die Gefahr, den Überblick über die getätigten Zahlungen zu verlieren
Fazit:
Sofern der Karteninhaber seine Kreditkarte überlegt und mit Blick auf seine finanzielle Situation einsetz liegen in ihrer Nutzung viele Vorteile. Bestenfalls gleicht der Inhaber der Kreditkarte den Kreditkartensaldo im Rahmen des zinsfreien Zahlungsziels aus, so fallen für die Nutzung nur die ggf. vereinbarten Jahresgebühren, aber keine Zinszahlungen an. Schlecht geeignet ist die Kreditkarte zur Ratenfinanzierung von Anschaffungen, in diesem Fall wäre ein klassischer Kredit die erheblich günstigere Alternative.
Ein weiterer Vorteil der Kreditkarten zeigt sich auf Reisen. Ich finde, dass man im Ausland mit einer Kreditkarte deutlich einfacher bezahlt. Auch wenn ich nach einer Reise immer einen Schrecken bekomme, weil 200.000 abgebucht wurde. Erst im zweiten Momemt realisier ich dann, dass es sich hierbei um eine andere Währung handelt.
Zu dem Thema folgenden Hinweis: Das Girokonto von Cortal Consors ist kostenfrei, hat einen niedrigen Dispozins und beinhaltet eine kostenlose VISA Classic Karte einschließlich Partnerkarte, mit der man an allen VISA-zugänglichen Geldausgabeautomaten kostenlos Bargeld abheben und weltweit bargeldlos bezahlen kann! Super-praktisch, weil man nicht mehr drauf achten muss, wo man Geld abhebt – gibt ja nirgendwo Gebühren 😉
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