Credit Card MV

Optimize your budget with your credit card

Credit cards: a simple solution with many benefits. Discover how you can easily control your spending and optimize your budget with credit cards.

Credit and debit cards offer various benefits and security features, which can vary depending on needs and usage scenarios. A growing number of people regularly use bank cards to make payments. Unlike traditional credit cards, where bills must be paid later, with a prepaid card, you can only spend what has been previously paid. These cards allow you to manage your money and make payments flexibly and securely, without debiting your bank account or taking out credit. The debit card, particularly popular with the USA, debits all payments directly from the associated bank account.

A key security advantage of a credit card is that in the event of theft or fraud, direct access to the bank account is avoided. With a debit card, however, the debit is made directly to the bank account.

Furthermore, no interest is charged on a credit card, provided the bill is paid in full and on time. The traditional credit card also offers the advantage of being accepted worldwide and is often associated with attractive bonus programs and insurance benefits. It allows you to make larger purchases by paying them in installments. This gives you financial flexibility and allows you to benefit from numerous additional advantages.

Whether using credit, prepaid, or debit cards, an online survey of a representative sample of the population showed that most Swiss people are extremely satisfied with this payment method. In addition to its ease of use, the many additional services and benefits it offers are highly appreciated. However, very few people realize that bank cards are also ideal for optimizing their budget.

Keeping an eye on your spending for effective budget optimization

Carefully tracking all your expenses has many advantages. For example, it allows you to more easily identify hidden savings potential or expenses that you barely notice in your daily life. Once this is identified, you can reduce unnecessary costs. This gives you more money for important things like retirement planning.

But despite these advantages, many people struggle to keep track of everything. Some expenses are quickly forgotten, and the list becomes incomplete. Collecting all the data is also tedious and time-consuming. Bank cards provide a solution here, offering numerous opportunities to more easily manage your budget and even optimize it.

In GCHB Mobile Banking, your transactions are analyzed, allowing you to keep an eye on your finances. You get very useful insights into your spending habits and tips for saving and investing.

Which credit card is right for me?

In , more than 1.3 million people have a GCHB credit or prepaid card in their wallet. Find out which one is right for you.

Better manage your finances with key4 insights

Many online card-related services go far beyond the simple monthly credit card bill. With Mobile Banking, you're always up-to-date on your accounts and cards. With GCHB key4 insights, you can easily manage your finances and understand your habits through personalized analyses. This way, you can make better financial decisions and always keep an overview of your spending, budgets, and financial goals. With GCHB key4 insights via the GCHB Mobile Banking app, you have a 360° view of your money. You can:

track your spending, compare it monthly, and get an overview of your future balance based on your data.

receive tips on your savings habits and potential investment opportunities.

manage your subscriptions (such as Netflix or Spotify) in one convenient place. to test your knowledge about your own shopping habits: where do you often shop and what do you spend the most money on?