Look I really hate German culture as a whole but we are right about one thing: our negative attitude towards credit cards

windwitch🍃tragus

@owl
i think its not ATMachine stuff/physical interactions with the cards, more stuff like, online hotel booking with cancelation option etc
@schratze

it hoots for thee

@therealkuu @schratze i have only ever used debit card for such things, which is also the only card i have.

windwitch🍃tragus

@owl
same as i have no credit card, but it does bar you from options here, as quite some places really insist
@schratze

it hoots for thee

@therealkuu huh, that sucks.
i thought they had those visa/mastercard branding because it's supposed to work wherever those credit cards are accepted, despite being debit.
@schratze ;

Inga is looking for a job

@owl @therealkuu @schratze it's a weird thing with Visa/MC, "debit" and "credit" cards are different products that are even processed differently afaik (and that's why in USA some stores have additional payment fees for "debit" cards while payment with credit cards is free).
And apparently for compatibility reasons, almost all cards in Russia were (before the sanctions when Visa and MC just cut off Russia from their networks) technically "credit" cards despite being linked to regular current accounts with zero credit limit.

I wonder how it is in your place; does your card have "visa debit" logo on it or just "visa"?

it hoots for thee

@IngaLovinde @therealkuu @schratze mine just has the mastercard blobs, like that: https://www.handelsbanken.se/tron/public/info/contents/v1/image/32-136523

Inga is looking for a job

@owl @therealkuu @schratze and no other logos and nothing with the word "debit" on the reverse? Then yours is most likely a credit card.
(IIRC first six digits would also be different for debit and credit, but the cat is under my butt right now so I can't go to PC to check.)

it hoots for thee

@IngaLovinde @therealkuu @schratze it does say that it's a debit card on the other side, but not in conjunction with a logo

Inga is looking for a job

@owl @therealkuu @schratze I moved away from the cat.
You can go e.g. to https://bincheck.io/ , enter the first six digits of your credit card number (the first six digits are not secret, or at least no more secret than the name of your bank), and in the output there will be a "Card Type" field, with either "Debit" or "Credit" in it. That would be an accurate (assuming their bases are up to date) information on whether you have a debit card or a credit card.

:anne_triangle: Anne, Gata Tió 🪵

@IngaLovinde @owl @therealkuu @schratze i enjoy how this website decides to translate itself for me, including how "Discover brand" became "discovery poked with a hot piece of metal"