{"id":4735,"date":"2022-01-27T11:01:49","date_gmt":"2022-01-27T11:01:49","guid":{"rendered":"https:\/\/yurtdisindayiz.com\/?p=4735"},"modified":"2022-08-17T08:48:51","modified_gmt":"2022-08-17T08:48:51","slug":"en-iyi-almanya-kredi-kartlari-nasil-alinir-ve-avantajlari","status":"publish","type":"post","link":"https:\/\/yurtdisindayiz.com\/en-iyi-almanya-kredi-kartlari-nasil-alinir-ve-avantajlari\/","title":{"rendered":"Almanya Kredi Kartlar\u0131 | Nas\u0131l Al\u0131n\u0131r ve Avantajlar\u0131"},"content":{"rendered":"\n<p><strong>Almanya T\u00fcrkiye\u2019nin tersine bir kredi kart\u0131 cenneti \u00fclke olarak tan\u0131mlanamaz. Almanya&#8217;da kredi kartlar\u0131 kullan\u0131m oranlar\u0131 son y\u0131llarda artsa da geleneksel Alman bankac\u0131l\u0131k sistemi i\u00e7inde kredi kartlar\u0131n\u0131n pay\u0131 hala d\u00fc\u015f\u00fck.<\/strong><\/p>\n\n\n\n<p>Bunun bir\u00e7ok sebebi olsa da bu yaz\u0131n\u0131n son b\u00f6l\u00fcm\u00fcn\u00fcn konusu olacak. Kredi kartlar\u0131 \u00f6zellikle Almanya\u2019ya yeni ta\u015f\u0131nanlar\u0131n b\u00fcy\u00fck harcamalar da yapaca\u011f\u0131 d\u00fc\u015f\u00fcn\u00fcl\u00fcrse olduk\u00e7a faydal\u0131. Biz de bu yaz\u0131m\u0131zda \u00f6ncelikle kolay ba\u015fvurabilece\u011finiz \u00fccretsiz ya da \u00fccretleri rakiplerine g\u00f6re daha d\u00fc\u015f\u00fck olan kredi kart\u0131 \u00e7\u00f6z\u00fcmlerine de\u011finece\u011fiz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Almanya\u2019da Kredi Kart\u0131 Alaca\u011f\u0131m Bankay\u0131 Nas\u0131l Se\u00e7meliyim?<\/h2>\n\n\n\n<p>Bankalar\u0131 s\u0131ralamaya ge\u00e7meden \u00f6nce kendinize uygun Almanya kredi kart\u0131n\u0131 se\u00e7meden \u00f6nce bankan\u0131n hangi \u00f6zelliklerine odaklanabilece\u011finizi listeledik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">G\u00fcvenilirlik<\/h3>\n\n\n\n<p>2020\u2019li y\u0131llar\u0131n en \u00f6nemli teknoloji furyalar\u0131ndan biri de fintech kategorisi. Yani finans teknolojileri alan\u0131nda bir\u00e7ok yeni \u015firket kuruluyor. Bu alanda \u00e7al\u0131\u015fan baz\u0131 \u015firketler de m\u00fc\u015fterilerine kredi kart\u0131 da sunuyorlar. Bu noktada geleneksel bankalardan uzakla\u015fmak baz\u0131 dijital \u00f6zellikler a\u00e7\u0131s\u0131ndan avantaj sa\u011flasa da mutlaka bankan\u0131n g\u00fcvenilirli\u011fini iyice incelemek gerek. Kredi kart\u0131 almadan \u00f6nce bu madde herkes i\u00e7in \u00f6ncelikli olmal\u0131.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00dccretler<\/h3>\n\n\n\n<p>E\u011fer s\u0131radan bir kredi kart\u0131 kullan\u0131c\u0131s\u0131 olmay\u0131 planl\u0131yor ve \u00e7ok fazla ek \u00f6zellik aram\u0131yorsan\u0131z kredi kart\u0131na \u00f6deyece\u011fiz aidat\u0131 da olabildi\u011fince minimumda tutmak sizin i\u00e7in faydal\u0131 olacakt\u0131r. Bu sebeple kart \u00fccretleri de arad\u0131\u011f\u0131n\u0131za ula\u015fmak i\u00e7in \u00f6nemli maddeler aras\u0131nda yer alabilir.<\/p>\n\n\n\n<p>Kart \u00fccretleri d\u0131\u015f\u0131nda yurtd\u0131\u015f\u0131nda bankac\u0131l\u0131kta \u00f6nemli bir konu da uluslararas\u0131 banka transferi \u00fccretleridir. <a href=\"https:\/\/yurtdisindayiz.com\/yurtdisindan-iban-ile-para-gondermek\/\" data-lasso-id=\"6363\">Yurtd\u0131\u015f\u0131ndan T\u00fcrkiye&#8217;ye para g\u00f6nderme<\/a> yaz\u0131m\u0131zda da \u00fccretleri ele alm\u0131\u015ft\u0131k.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kapsam<\/h3>\n\n\n\n<p>Kredi kart\u0131n\u0131n yurtd\u0131\u015f\u0131nda kullan\u0131m\u0131, online olarak nas\u0131l kullan\u0131labilece\u011fi, sundu\u011fu dijital \u00f6zellikler de kredi kart\u0131 almadan \u00f6nce incelemeniz gereken \u00f6zellikler aras\u0131ndad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130ngilizce Destek &#8211; Uygulama ve Web Sitesi<\/h3>\n\n\n\n<p>\u00d6zellikle Almanya\u2019ya yeni ta\u015f\u0131nanlar Almanya\u2019da ya\u015fayan yabanc\u0131lar\u0131 da hedefleyen \u015firketleri inceleyebilirler. Bu \u015firketlerin avantaj\u0131 Almanya\u2019n\u0131n bankac\u0131l\u0131k sistemine hakim olmayan ki\u015fileri de hedeflemeleridir. <\/p>\n\n\n\n<p>Bu sayede \u0130ngilizce destek, \u0130ngilizce mobil uygulama gibi \u00f6zellikler de sunarlar. Hem de normalde bir\u00e7ok banka sizden daha y\u00fcksek kredi notu bekleyebilirken bu tip bankalar i\u00e7in bu sorun olmayacakt\u0131r.<\/p>\n\n\n\n<p>Almanya\u2019daki T\u00fcrk bankalar\u0131 da bu konuda size yard\u0131mc\u0131 olabilirler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ek \u00d6zellikler<\/h3>\n\n\n\n<p>T\u00fcrkiye\u2019deki mil \u00f6zellikle kredi kartlar\u0131 gibi Almanya\u2019da da farkl\u0131 ek \u00f6zellikler sunan kredi kartlar\u0131 bulunur. Daha y\u00fcksek kredi kart\u0131 \u00fccretleri olsa da farkl\u0131 ek \u00f6zelliklere sahip kartlar\u0131 da ihtiya\u00e7lar\u0131n\u0131za g\u00f6re inceleyebilirsiniz.<\/p>\n\n\n\n<p>\u00d6zetle \u00f6ncelik herkes i\u00e7in bankan\u0131n g\u00fcvenilirli\u011fi olmal\u0131. Ard\u0131ndan nas\u0131l bir \u00e7\u00f6z\u00fcm arad\u0131\u011f\u0131n\u0131za g\u00f6re sundu\u011fumuz maddelere g\u00f6re se\u00e7iminizi yapabilirsiniz. Biz de Almanya Kredi kartlar\u0131 listemizi bu maddeleri akl\u0131m\u0131zda tutarak olu\u015fturduk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00dccretsiz Almanya Kredi Kartlar\u0131<\/h2>\n\n\n\n<p>Sizin i\u00e7in y\u0131ll\u0131k \u00fccreti olmayan ve farkl\u0131 \u00f6zellikleriyle de \u00f6ne \u00e7\u0131kan 4 farkl\u0131 kredi kart\u0131n\u0131 listeledik. Bu kartlar\u0131n hepsi g\u00fcvenilirlik a\u00e7\u0131s\u0131ndan olduk\u00e7a prestijli bankalara ait. E\u011fer Almanya\u2019da ilk defa kredi kart\u0131 alacaksan\u0131z listeledi\u011fimiz bu 4 kredi kart\u0131 da \u00f6zellikle \u00fccretsiz olmas\u0131yla tercih sebebi olabilirler.<\/p>\n\n\n\n<p>\u00d6nerdi\u011fimiz Almanya kredi kartlar\u0131n\u0131 incelemeden \u00f6nce <a href=\"https:\/\/yurtdisindayiz.com\/almanyada-euro-banka-hesabi-acmak\/\" data-lasso-id=\"6364\">Almanya&#8217;da banka hesab\u0131 a\u00e7ma<\/a> yaz\u0131m\u0131z\u0131 da inceleyebilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.hanseaticbank.de\/kreditkarte\/genialcard\" target=\"_blank\" rel=\"nofollow noopener\" data-lasso-id=\"6365\">Hanseatic Genial Card<\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"491\" src=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/hanseatic-genial-card-kredi-karti.png\" alt=\"hanseatic-genial-card-kredi-karti\" class=\"wp-image-4736\" srcset=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/hanseatic-genial-card-kredi-karti.png 1000w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/hanseatic-genial-card-kredi-karti-300x147.png 300w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/hanseatic-genial-card-kredi-karti-768x377.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><strong>Neden Tercih Edilmeli:<\/strong><\/p>\n\n\n\n<ul><li>30 Euro A\u00e7\u0131l\u0131\u015f Hediyesi<\/li><li>Y\u0131ll\u0131k \u00fccreti yok<\/li><li>\u0130ngilizce Kullan\u0131labilir Mobil Uygulama<\/li><li>Banka Kart\u0131 olarak da kullanma imkan\u0131<\/li><li>Yurtd\u0131\u015f\u0131nda da kullan\u0131m\u0131 \u00fccretsiz<\/li><\/ul>\n\n\n\n<p>Hanseatic Bank Almanya\u2019da y\u00fckseli\u015fte olan bankalar aras\u0131nda. \u00d6zellikle bu kredi kart\u0131 tamamen \u00fccretsiz \u015fekilde a\u00e7\u0131lmas\u0131yla da Almanya\u2019n\u0131n en iyi kredi kartlar\u0131 aras\u0131nda bulunuyor. 30 Euro a\u00e7\u0131l\u0131\u015f hediyesi de yeni hesap a\u00e7mak isteyenler i\u00e7in \u00f6nemli bir art\u0131.<\/p>\n\n\n\n<p>Kart\u0131n yurtd\u0131\u015f\u0131nda da \u00fccretsiz \u015fekilde kullan\u0131lmas\u0131 sayesinde T\u00fcrkiye\u2019de de bu kart\u0131 kullanma \u015fans\u0131n\u0131z bulunuyor. Nakit \u00e7ekmek i\u00e7in kredi kart\u0131n\u0131 kullanmak isteyenler Hanseatic Bank\u2019\u0131n bu kredi kart\u0131 sayesinde \u00fccretsiz bir \u015fekilde nakit \u00e7ekimi de yapabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/tfbank.de\/tf-kreditkarte\" target=\"_blank\" rel=\"nofollow noopener\" data-lasso-id=\"6366\">TF Bank Mastercard Gold Kredi Kart\u0131<\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"515\" src=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/tf-bank-mastercard.png\" alt=\"tf-bank-mastercard-almanya-kredi-kartlari\" class=\"wp-image-4737\" srcset=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/tf-bank-mastercard.png 1000w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/tf-bank-mastercard-300x155.png 300w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/tf-bank-mastercard-768x396.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><strong>Neden Tercih Edilmeli:<\/strong><\/p>\n\n\n\n<ul><li>A\u00e7\u0131l\u0131\u015f masraf\u0131 ve y\u0131ll\u0131k \u00fccreti yok<\/li><li>Uluslararas\u0131 \u00f6demelerde s\u0131f\u0131r masraf<\/li><li>SCHUFA skoru beklentisi en d\u00fc\u015f\u00fck kartlardan biri<\/li><li>Seyahatler i\u00e7in sa\u011flad\u0131\u011f\u0131 \u00f6zel faydalar<\/li><\/ul>\n\n\n\n<p>TF Bank Almanya\u2019da \u00f6zellikle de yeni ta\u015f\u0131nanlar i\u00e7in ba\u015fvurmas\u0131 ve kabul edilmesi en kolay kredi kartlar\u0131ndan birini sunuyor. Kart\u0131n \u00f6zelliklerine bakt\u0131\u011f\u0131m\u0131zda dezavantaj olarak g\u00f6ze \u00e7arpan kredi kart\u0131n\u0131n nakit \u00e7ekimlerindeki y\u00fcksek faiz oran\u0131. Yani nakit \u00e7ekmek i\u00e7in kullanman\u0131z\u0131 tavsiye etmiyoruz.<\/p>\n\n\n\n<p>Avantajlar\u0131na bakt\u0131\u011f\u0131m\u0131zda da seyahat konusu \u00f6ne \u00e7\u0131k\u0131yor. Seyahat ve araba kiralama harcamalar\u0131nda %5\u2019e kadar cashback verip ayn\u0131 zamanda \u00f6demesi bu kartla yap\u0131lan uluslararas\u0131 seyahatlerde seyahat sigortas\u0131 imkan\u0131 da sa\u011fl\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/awa7.de\/\" target=\"_blank\" rel=\"nofollow noopener\" data-lasso-id=\"6367\">Awa7 Visa&nbsp;<\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"443\" src=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/awa7-visa-kredi-karti.png\" alt=\"awa7-visa-kredi-karti\" class=\"wp-image-4738\" srcset=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/awa7-visa-kredi-karti.png 1000w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/awa7-visa-kredi-karti-300x133.png 300w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/awa7-visa-kredi-karti-768x340.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><strong>Neden Tercih Edilmeli:<\/strong><\/p>\n\n\n\n<ul><li>A\u00e7\u0131l\u0131\u015f \u00fccreti ve y\u0131ll\u0131k \u00f6demesi yok.<\/li><li>Yurtd\u0131\u015f\u0131nda \u00fccretsiz kullan\u0131m imkan\u0131<\/li><li>100 Euro \u00fcst\u00fc her kullan\u0131mda sizin ad\u0131n\u0131za a\u011fa\u00e7 dikme s\u00f6z\u00fc<\/li><\/ul>\n\n\n\n<p>Awa7 Visa yukar\u0131da bahsetti\u011fimiz bir\u00e7ok kart\u0131n \u00f6zelliklerine sahip. Y\u0131ll\u0131k \u00fccreti yok ve yurtd\u0131\u015f\u0131nda \u00fccretsiz kullanma \u015fans\u0131na sahipsiniz. Awa7 Visa\u2019y\u0131 daha \u00f6zel k\u0131lan \u00f6zelli\u011fi ise kendisini Almanya\u2019n\u0131n en \u201cye\u015fil\u201d kredi kart\u0131 olarak tan\u0131mlamas\u0131.&nbsp;<\/p>\n\n\n\n<p>\u00c7evre duyarl\u0131l\u0131\u011f\u0131n\u0131z y\u00fcksekse Awa7 de bu konuda size e\u015flik etmek istiyor. Her 100\u20ac\u2019luk i\u015flemde sizin ad\u0131n\u0131za bir a\u011fa\u00e7 dikilece\u011fi s\u00f6z\u00fcn\u00fc veriyor. Awa7 \u015fu ana kadar verdi\u011fi bu s\u00f6zle birlikte 120.000\u2019den fazla a\u011fa\u00e7 dikmi\u015f durumda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.barclays.de\/\" target=\"_blank\" rel=\"nofollow noopener\" data-lasso-id=\"6368\">Barclays Visa Kredi Kart\u0131<\/a><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"431\" src=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/barclays-visa-almanya-kredi-kartlari.png\" alt=\"barclays-visa-almanya-kredi-kartlari\" class=\"wp-image-4739\" srcset=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/barclays-visa-almanya-kredi-kartlari.png 1000w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/barclays-visa-almanya-kredi-kartlari-300x129.png 300w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/01\/barclays-visa-almanya-kredi-kartlari-768x331.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><strong>Neden Tercih Edilmeli:<\/strong><\/p>\n\n\n\n<ul><li>25\u20ac a\u00e7\u0131l\u0131\u015f hediyesi!<\/li><li>Y\u0131ll\u0131k \u00fccreti yok.<\/li><li>\u00dccretsiz nakit \u00e7ekimi imkan\u0131<\/li><li>Apple Pay ve Google Pay ile uyumlu<\/li><li>Kolay \u015fekilde online ba\u015fvuru yapma<\/li><li>En g\u00fcvenilir d\u00fcnya bankalar\u0131ndan biri<\/li><\/ul>\n\n\n\n<p>Barclays taraf\u0131ndan sunulan ilk \u201cBuy it Now Pay Later\u201d temal\u0131 kredi kart\u0131. Kart sizden herhangi bir y\u0131ll\u0131k \u00fccret talep etmiyor. En b\u00fcy\u00fck avantajlar\u0131ndan biri de 500 Euro\u2019nun alt\u0131ndaki harcamalar\u0131n\u0131z\u0131n hepsinde vade farks\u0131z 3 aya kadar taksit yapma \u015fans\u0131 sunuyor.<\/p>\n\n\n\n<p>Bu kart\u0131 Apple Pay ve Google Pay ile birlikte de kullanabiliyorsunuz. T\u00fcrkiye dahil 200\u2019den fazla \u00fclkede Barclays Visa kredi kart\u0131n\u0131 ekstra bir \u00fccret \u00f6demeden de kullanma \u015fans\u0131n\u0131z bulunuyor.&nbsp;<\/p>\n\n\n\n<p>\u0130nternet sitesi tamamen Almanca olsa da Google Chrome \u00fczerinden sa\u011f t\u0131klayarak \u00e7eviri yap\u0131p kolayca kullanabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Almanya Kredi Kartlar\u0131 T\u00fcrkiye\u2019de Kullan\u0131m\u0131<\/strong><\/h2>\n\n\n\n<p>Almanya kredi kartlar\u0131n\u0131n T\u00fcrkiye\u2019de kullan\u0131m\u0131 m\u00fcmk\u00fcnd\u00fcr. \u00d6zellikle Visa ya da Mastercard logolu kredi kartlar\u0131n\u0131zla T\u00fcrkiye\u2019de kolayca al\u0131\u015fveri\u015f yapabilirsiniz. Sadece kredi kart\u0131n\u0131z\u0131n yurtd\u0131\u015f\u0131 al\u0131\u015fveri\u015fe a\u00e7\u0131k oldu\u011fundan emin olmal\u0131s\u0131n\u0131z. <a href=\"https:\/\/yurtdisindayiz.com\/turkiyede-yurtdisi-banka-karti-kredi-karti-kullanmak\/\" data-lasso-id=\"6369\">Yurtd\u0131\u015f\u0131 kredi kartlar\u0131n\u0131 T\u00fcrkiye&#8217;de kullanma<\/a> yaz\u0131m\u0131zda da bu konuya de\u011finmi\u015ftik. <\/p>\n\n\n\n<p>Almanya kredi kart\u0131n\u0131z\u0131 T\u00fcrkiye\u2019de kullan\u0131rken dikkat etmeniz gereken bir konu da T\u00fcrkiye\u2019de yapaca\u011f\u0131n\u0131z harcamalar TL cinsinden olaca\u011f\u0131 i\u00e7in bankan\u0131z\u0131n TL \/ Euro kurunu nas\u0131l bozdu\u011funu k\u00fc\u00e7\u00fck harcamalar yaparak deneyebilirsiniz. Bankalar kur d\u00f6n\u00fc\u015f\u00fcm\u00fc \u00fczerinden gizli komisyonlar alabilirler.&nbsp;<\/p>\n\n\n\n<p>Bir kredi kart\u0131 olmasa da T\u00fcrkiye\u2019de ve yurtd\u0131\u015f\u0131nda gitti\u011finiz \u00fclkelerde komisyon \u00f6demeden kolayca harcama yapabilmek i\u00e7in Wise\u2019\u0131 tavsiye ediyoruz. <a href=\"https:\/\/yurtdisindayiz.com\/wise-nedir-nasil-kullanilir\/\" data-lasso-id=\"6370\">Wise nedir<\/a> yaz\u0131m\u0131z\u0131 inceleyip detaylar\u0131 \u00f6\u011frenebilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Almanya\u2019da Kredi Kart\u0131 Avantaj Sa\u011flar M\u0131?<\/strong><\/h2>\n\n\n\n<p>Almanya\u2019da kredi kart\u0131 kullan\u0131m\u0131 T\u00fcrkiye\u2019nin aksine daha d\u00fc\u015f\u00fckt\u00fcr. \u00dclkede daha yayg\u0131n kullan\u0131lan kart tipi <a href=\"https:\/\/yurtdisindayiz.com\/girocard-nedir-ozellikleri-nelerdir\/\" data-lasso-id=\"6371\">Girocard<\/a> olarak adland\u0131r\u0131lan debit \/ banka kartlar\u0131d\u0131r.&nbsp;<\/p>\n\n\n\n<p>Geleneksel olarak Almanlar kredi kart\u0131 \u00f6demeleri yerine nakit ve banka kartlar\u0131n\u0131 tercih eder. Yine de son 10 y\u0131l i\u00e7erisinde kredi kart\u0131 kullan\u0131m\u0131n\u0131n da artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Kredi kart\u0131 kullanarak Almanya\u2019da \u00f6zellikle b\u00fcy\u00fck harcamalar\u0131n\u0131z\u0131 yaparken kolayl\u0131k sa\u011flayabilirsiniz. <\/p>\n\n\n\n<p>Hala kredi kart\u0131 ge\u00e7meyen ma\u011fazalar ve restoranlar Almanya\u2019da mevcut fakat art\u0131k al\u0131\u015fveri\u015f yapabilece\u011finiz bir\u00e7ok yerde ve online olarak yapaca\u011f\u0131n\u0131z al\u0131\u015fveri\u015flerde kredi kart\u0131n\u0131z\u0131 kullanabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Almanya\u2019da Kredi Kartlar\u0131 Neden Az Kullan\u0131l\u0131yor?<\/h2>\n\n\n\n<p>Almanya\u2019da nakit kullan\u0131m\u0131 hala bir\u00e7ok \u00fclkeden daha y\u00fcksek. Son y\u0131llarda \u00f6zellikle kredi kart\u0131 kullan\u0131m oran\u0131n\u0131n artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Online al\u0131\u015fveri\u015fler de buna \u00f6nemli bir sebep. Klarna gibi \u201cBuy Now Pay Later\u201d konseptinde t\u0131pk\u0131 kredi kartlar\u0131 gibi yenilik\u00e7i finansal \u00e7\u00f6z\u00fcmler de ortaya \u00e7\u0131k\u0131yor ve bu da halk\u0131n ilgisini \u00e7ekiyor.<\/p>\n\n\n\n<p>Y\u0131llar i\u00e7inde Almanya\u2019da kredi kartlar\u0131n\u0131n az kullan\u0131l\u0131yor olmas\u0131n\u0131n bir sebebi de \u00fclkedeki enflasyon ve faiz oranlar\u0131n\u0131n \u00e7ok d\u00fc\u015f\u00fck olmas\u0131. \u00d6rne\u011fin T\u00fcrkiye ile k\u0131yaslayacak olursak kredi kart\u0131 ile al\u0131\u015fveri\u015f yapan bir\u00e7ok ki\u015fi kredi kart\u0131 bor\u00e7lar\u0131n\u0131 \u00f6deyece\u011fi tarihte enflasyon sebepli avantaj ya\u015fayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyor. Taksitli al\u0131\u015fveri\u015f de yine ayn\u0131 \u015fekilde Almanya\u2019da d\u00fc\u015f\u00fck faiz ve enflasyon sebebiyle daha az ihtiya\u00e7 duyulan bir konu.&nbsp;<\/p>\n\n\n\n<p><strong>Yaz\u0131m\u0131zda hem Almanya kredi kartlar\u0131 aras\u0131ndan tavsiye ettiklerimizi se\u00e7tik. Hem de Almanya\u2019da kredi kart\u0131 kullan\u0131m\u0131 konusundaki genel bilgileri payla\u015ft\u0131k.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Almanya T\u00fcrkiye\u2019nin tersine bir kredi kart\u0131 cenneti \u00fclke olarak tan\u0131mlanamaz. Almanya&#8217;da kredi kartlar\u0131 kullan\u0131m oranlar\u0131 son y\u0131llarda artsa da geleneksel &#8230; <a title=\"Almanya Kredi Kartlar\u0131 | Nas\u0131l Al\u0131n\u0131r ve Avantajlar\u0131\" class=\"read-more\" href=\"https:\/\/yurtdisindayiz.com\/en-iyi-almanya-kredi-kartlari-nasil-alinir-ve-avantajlari\/\" aria-label=\"More on Almanya Kredi Kartlar\u0131 | Nas\u0131l Al\u0131n\u0131r ve Avantajlar\u0131\">Devam\u0131 \u0130\u00e7in<\/a><\/p>\n","protected":false},"author":1,"featured_media":4740,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Almanya Kredi Kartlar\u0131 | Nas\u0131l Al\u0131n\u0131r ve Avantajlar\u0131 | Yurtd\u0131\u015f\u0131nday\u0131z<\/title>\n<meta name=\"description\" content=\"Almanya kredi kartlar\u0131 aras\u0131nda \u00fccretsiz olarak tercih edebilece\u011finiz kartlar\u0131 listeledik. 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