Civil servants are valued customers because of their financial resources and the often excellent income and pension prospects.
The credit card has become a welcome form of payment not only when traveling, but also at home. It serves as proof of creditworthiness when renting a car or when shopping as well as a means of identification for train tickets or Lufthansa tickets in domestic traffic.
However, the world of credit cards has become much more confusing and colorful: All three leading credit card organizations issue licenses to banks and contractual partners, who then issue cards with their own features within a common standard.
The main advantages of a credit card for civil servants
If you, as an official, choose a credit card from American Express, Mastercard or Visa, you can use it almost anywhere in the world . Since the EU Commission restricted the amount of credit card commissions a few months ago, there have essentially been no differences in acceptance between the various cards.
If you like, you can use the credit card, for example, in most good supermarkets such as Rewe , Tengelmann / Kaisers , HIT etc. This saves the way to the ATM and the expenses are only debited from the current account with the monthly statement. Which means that as a pleasant side effect, you only burden liquidity up to five weeks later.
Which credit card model for civil servants
Many officials work shifts or do very demanding, time-consuming jobs. These are compensated for by the monthly payment of compliance, which, in contrast to small and medium-sized companies in the private industry, is practically not at risk of bankruptcy. Therefore, the revenue is to be regarded as safe and the credit card user – unlike adolescents or adolescents – is one of those who will use the credit card credit line responsibly.
For reasons of time and convenience, a real credit card is therefore recommended for civil servants and not a prepaid variant . This would always have to be charged cumbersome before use, which usually takes a few days. This recharge period consists of the usual bank transfer time and one or two days for the booking at the booking office of the prepaid credit card provider.
What conditions and framework conditions should you pay attention to?
The credit card world offers a wide range of offers for very different user behavior. There are offers with integrated travel insurance, with membership in clubs or only in connection with a fee-based additional discount card such as the BahnCard of the Bahn.
Bundles of checking account and credit card are also very popular with banks and financing partners: The checking account can do practically the same thing as the normal checking account, but is spiced up thanks to a colored credit card and an exclusive name.
Therefore, pay close attention to the annual fee and the services included: If the current account as a bundle with a credit card suddenly becomes 6 USD more expensive per month, then this is 72 USD per year for the credit card. For the other services, the comparison is only worthwhile if you are really on the road a lot: It is not absolutely crucial whether the international assignment fee outside Europe is a quarter percentage point higher or lower.
Therefore, if possible, pay attention to the separate calculation of the credit card, so that you can change your checking account or credit card independently at any time. Incidentally, free current accounts are also very popular with civil servants, which are financed almost exclusively from the standardized fees of the acceptance points. By eliminating the cash expenditure, they save a lot of effort and pay part of the transaction fees to the credit card partners. However, it is not common in Germany to grant a surcharge for this.
Additional services: Payback & Co.
Basically, we advise officials to get a real credit card and not just a credit line with a provider or retail partner. Depending on personal usage behavior, we can particularly recommend those credit cards that are free of annual fees and that may also include a small cash back or discount function.