Free credit cards differ in how they are billed, so you should also consider this when choosing and using your credit card. With a debit card or a prepaid credit card, you have full control over your spending with the card. There is no credit line for either card type. Debit card transactions are debited directly from your bank account. You may not get an overdraft facility for your debit card, but for your bank account, unlike with a classic credit card, you must pay interest from the outset. With a prepaid credit card, you can only use the credit you previously loaded onto the card. However, there are only a few free prepaid credit cards – an example is Revolut’s Mastercard. Another advantage of these cards is that they are often issued without a Schufa check (credit check). With a charge card, credit card transactions are settled interest-free for a fixed period. Billing is usually monthly, but longer payment terms are possible depending on the credit card. Revolving credit cards offer not only interest-free credit, but also the option to pay your credit card bill in installments. Some free cards, such as the Barclays Visa Card (51 days), offer a particularly generous interest-free period, giving you additional financial flexibility. However, if you pay in installments, high-interest rates will apply to outstanding amounts. In addition, the billing terms of the individual cards differ: not all providers support payments by direct debit. For example, with the free Advanzia Gebührenfrei Mastercard Gold, you must pay the invoice by the due date via bank transfer to avoid interest. In general, we recommend avoiding using the installment facility of a revolving credit card if possible.