May be a bit off topic but thought it best to post it here for peoples reference in the EF search functionality
A couple of points for your reference with regasrds to the credit card functionality
a) The credit limit is normally about 1000 to 1500 CHF based on your income details shared during registrations
b) The halb tax card automatically is renewed and a bill is charged to your Credit card. while this is very convinient for lazy bums like me
should you plan to cancel / not renew your halb tax remember to give adequate notice (2 to 3 months atleast)
c) I have found the help line to be very friendly and helpful. I was once struggling to purchace a holiday deal online but was unable to due to limited credit. On calling the hotline they provided me with a temporary overdraft feature and educated me on the possibility of overdraft by paying the card earlier.
e.g. for a transaction of 2000 CHF, I would need to transfer 1000CHF to the credit card's account a day before making the transaction.
That way we get 1000 CHF (while I transferred) and 1000 CHF( from the credit limit on the card).
As I am not a big fan of credit cards and this being my very first credit card, I found the service for a "free" credit card quite good.