Payback American Express – The Best Free and No-Fee Credit Card in Germany
<p>Up until a few months ago, I never owned a credit card. For anyone coming from the US, this might seem weird, but for everyone in Europe, that’s not surprising. Instead of credit cards, we simply use debit cards connected straight to our bank accounts. Most European banks offer standard Mastercard or Visa cards that are accepted everywhere, offline or online. There are some exceptions like Germany and the Netherlands, where banks issue Maestro or V Pay cards that cannot be used for online payments.</p>
<p>The important thing is that Europeans don’t use and often don’t trust credit cards, as they come with interest and can have a negative influence on one’s money-spending habits. That’s the reason why I never got a credit card. I never felt comfortable spending money that I don’t have. What changed my mind? Charge cards.</p>
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