In these situations, it’s good to be able to whip out a credit card

Get last-minute gifts with your credit card

Perfume for Mum, the panettone for your uncle: sometimes you simply don’t have time to think about birthday or Christmas presents early – let alone get them in the store. When shopping on the Internet, the delivery times are often just short enough for last-minute gifts to arrive on time. With a credit card, payment is also fast and easy.

Withdrawing money: book flights with your credit card

Booking a flight online without a credit card? With many airlines and tour operators, that’s not possible. So a credit card comes in handy when booking flights. After all, credit cards are also virtually the only payment method accepted during flights.

Saving: benefit with your credit card

Want to save money when going shopping? That’s only possible with a credit card. Thanks to unlimited cashback, you receive up to 1 percent turnover reimbursement with every purchase.

If you have difficulty falling asleep: get new books quickly with your credit card

You just cannot fall asleep without reading – but unfortunately you’ve just reached the last page of your thriller and urgently need a new book. With your credit card you can immediately get more reading material for your e-reader in online bookstores.

City shopping: stay flexible with your credit card

Oh, dear. You are in the shop at the checkout and have already had this fabulous jacket wrapped up. And now the card device indicates that you’ve already reached your debit card limit, because you paid for a new computer earlier this month. Then whip out your credit card, which still has plenty of funds for you to spend. You can of course also pay quickly and securely with your phone by activating your credit card in mobile payment solutions such as Apple Pay and TWINT − so you can even leave your wallet at home when you go shopping.

Globetrotting: reservation guarantees with your credit card

Do you like to travel all over the world, ideally without a lot of cash in your luggage? Whether you’re in New York, Singapore or Cape Town, credit cards are accepted by countless shops, hotels and restaurants worldwide. What’s more, paying for hotels, rental cars and flights with a credit card guarantees your reservation. Debit cards are often not accepted.

Hiring a vehicle: move house easily with your credit card

Whether clearing out, packing boxes or cleaning up, moving to another apartment is always stressful. And then there’s the question of how your things are transported from the old to the new apartment. You decide to hire a van. With a credit card, you can easily reserve and pay for the van – even outside the rental desk opening hours. Payment with prepaid and debit cards is usually not available.

Good to know: the practical functions of credit cards

With a credit card you always have your finances under control.You can manage your credit card with ease via e-finance or the PostFinance App:

• Real-time display of all transactions, your card limit and your available balance
• Top up your card and increase your available balance at any time
• Free notifications for executed transactions (push or SMS)
• Block or unblock your card and order a replacement card with ease
• Select your preferred payment method for your monthly credit card invoice

Practical, isn't it? Get an overview online now of which credit card suits you best and make a selection at your leisure.