Originally Posted by fwan
Um, we dont use checks in germany i think our system is a little different.
Someone has to explain to me the difference from Credit card and Debit card.
I had a visa card.. well because ben and i broke up our bank didnt trust me and cut it off so i had 3 months to pay back 2,000 euros
I use online banking to pay off my bills, i think its called Bank wire transfer
I always have cash with me though because i dont like to use my card very much as i lose track and spend too much.
The German system is
a bit different, Fran. Personal checks were phased out with the introduction of the euro. If you use a credit card (like Visa) in Germany, the amount owed is debited from your giro account at the end of the month; if you use a debit card (EC or Maestro card), the amount is debited within 1 - 3 days. If you use online banking, you're paying by credit transfer, for which you have to pay a small fee.
My preferred means of paying regular and trusted suppliers of goods/services is by direct debit mandate, as the creditor has to pay the bank fees. I use cash in most stores, unless I buy a high-priced item. In the latter case, I use a debit or credit card, depending on what the store accepts, and how much of a credit balance we have on the credit card account. I try to maintain a Visa credit balance of â‚¬500 to â‚¬2,000, because I use the card for "international" shopping, whether online or in person, and hubby uses it for car maintenance/repairs. That way we don't have to pay the credit interest. A credit card is also the cheapest means of obtaining currency from an ATM located in another country.