FAQ - Fragen & Antworten · Formularcenter · Advanzia Websites · zur Advanzia Bank S.A. · zu slackerbonding.com · zu slackerbonding.com slackerbonding.com - Login. Jetzt gibt es die Gebührenfrei Mastercard GOLD als kostenlose Kreditkarte mit 25 € Startguthaben. Letzter Deal mit 50,- € Willkommensbonus ist abgelaufen. Mit der gebührenfreien Mastercard GOLD von Advanzia sind Sie komplett flexibel: Nutzen Sie die Karte an über 35 Millionen Akzeptanzstellen und 2 Millionen.
Sie möchten sich vorab über die Sicherheit des Angebots informieren?Ihre gebührenfreie Kreditkarte für Österreich. Nutzen Sie alle Vorteile einer goldenen Kreditkarte und das lebenslang ohne Gebühren – fühl dich free! Jetzt gibt es die Gebührenfrei Mastercard GOLD als kostenlose Kreditkarte mit 25 € Startguthaben. Letzter Deal mit 50,- € Willkommensbonus ist abgelaufen. Mit der gebührenfreien Mastercard GOLD von Advanzia sind Sie komplett flexibel: Nutzen Sie die Karte an über 35 Millionen Akzeptanzstellen und 2 Millionen.
My Gebührenfrei Noch keine Karte? VideoGebührenfreie MASTERCARD Gold Erfahrung + TEST (ehrlich \u0026 echt) Register to see more examples It's simple and it's free Register Connect. Nov eingestellt am 2. Name bestätigen. Kreditkartennummer. Passwort. Passwort vergessen? Einloggen. Sie sind neu hier? Registrieren Sie Ihre gebührenfreie Mastercard Gold in wenigen Schritten. FAQ - Fragen & Antworten · Formularcenter · Advanzia Websites · zur Advanzia Bank S.A. · zu slackerbonding.com · zu slackerbonding.com slackerbonding.com - Login. Ihre gebührenfreie Kreditkarte: Login und Service. Gebührenfrei Mastercard Gold – Deutschland & Luxemburg. Jetzt gibt es die Gebührenfrei Mastercard GOLD als kostenlose Kreditkarte mit 25 € Startguthaben. Letzter Deal mit 50,- € Willkommensbonus ist abgelaufen. Gebührenfrei. 17K likes. Transparenz, Einfachheit, Vertrauen – dieser Dreiklang bildet das Prinzip unseres gesamten Handelns. Impressum: Followers: 19K. English Translation of “gebührenfrei” | The official Collins German-English Dictionary online. Over , English translations of German words and phrases. 4/6/ · I was just sent a credit card with my name on it, from slackerbonding.com, in cooperation with Advanzia, which is a Luxemburg Bank (apparently). The info says that they don't charge anything for anything pretty much, other than an effective yearly rate of 19,94% on purchases no paid off within 7 weeks, and 25,9% for cash advances.
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But if the positive balance is due to a payment e. Therefore if I plan to withdraw money using the card, I could buy an item using the card, pay the whole amount, and return the item!
Ok, I get that normal day to day transactions if paid on time then there will be no extra charge. And before the 20th if following month if we pay everything then do we still get charged any interest?
Thanks, Aryan. Hello, thanks for the useful information, I am new with the Gebuhrenfrei Gold Card and had my first purchase yesterday, and i want to pay back, how should i transfer the balance via Sparkasse Bank in Germany?
After one month you will get the statement about all card transactions, and a deadline for when the whole amount needs to be paid back, in order for it to be interest free for you.
Hi, I have a credit card with Advanzia with a starting amount of Euro, which I used up in the same month that I got it December and my deadline for repayment is 22 of January, which I missed.
If I pay back the 30 Euro before this week runs out, will I pay interest or will it affect my credit history?
Yes, interest is incurred — that is, after all, how Advanzia Bank make their living. When the minimum amount has been received, it all should be fine.
The payment after the deadline does not have an effect on the external credit history. As to how Advanzia evaluates this internally, that is something they do not disclose.
Thanks for your great clarification. Could you explain it clearly? I spent euros this month and only manage to transfer euros back. So my question is, how much interest must I payon remaining unpaid amount of invoice?
Many thanks. The interest rate on credit with the Gold Card is rather high: We recommend our readers to forego cash withdrawals with this card, because the interest is incurred immediately.
For purchases it is sufficient to pay back the complete amount in time for the deadline. Is that correct?
Then you never have to pay any interest for these purchases with the card. In case you do not do that for one month, the interest rate per month is 1.
I have one of these cards and all has been fine. The one thing that I am lacking is an App to know what I have spent and what is left.
Hi i will like to know how to transfer money from Luxemburg bank account. I am new to this credit card i will like to know how to do that step by step thank you.
That is easy. You get a monthly statement via E-Mail. This contains your personal account number in the form of the IBAN. This is the account, to which you please do the transfers.
Please have another look at the article, it contains the answers. As a web portal, we of course cannot provide that.
Will it be OK for a while to pay only the interest? Obviously they will be earning a lot of money from me in the interim? Yes, that is possible.
On the monthly statement it always shows the minimum amount to be paid. That is approximately as much as the interest for using the whole line of credit.
One can do it, and it will make the credit card provider happy, because the interest rates are rather high.
Maybe you would like to look for a favorably priced installment credit or another credit line? Thanks, for a very good review. Cards that does charge a fee for cash, charges much more in fees than you pay in interest on this card.
I recieved this card via mail but found out that I do not need it. Is there any penalty or so if I decided not to activate it?
The card is completely free of charge. For the sake of fairness, simply send the card back with a friendly cancellation notice.
Eyebrow tattoo on the 15th of August. Do I only have 5 days interests free period to settle my bill? My card is due on 20th every month. How bout the exchange rate?
Scenario 2 For example, I have withdrawn a total of ca. SGD on 15th of Aug. Do I receive any free interests period to settle my credit? The exchange rate will be shown on your online statement, normally a few days after the card is charged.
The interest starts immediately after you have withdrawn the cash. No free interest period for cash withdrawal. Could you guys tell me how much interest I have to pay for these Euros if I return the whole amount in 15 days?
Hey Guys, Please, what if I ordered the card, activate it and keep it for when I will be in need to use the card, would I be charged any fee for not using the card for sometime?
Classic fees — such as annual or monthly fees — do not apply, no matter how often or not you use this MasterCard.
That is also an advantage of this provider! Waiting for some guys to answer this question as well. So you can not use the card at all or even use it but repay the full amount before the billing period which is usually the first week of the next month , as long as you have zero credit before the billing period no interest will be charged to you and you will not be required to pay any fee.
I am new with the Gold Card with a limit of Euro and I have spent Euro from it including a cash withdrawal of dollars while I was in the US, and my due date is 20th of September I can pay in the minimum 36 or 50 Euro now just to meet up.
It is quite simple: If the credit card account is completely settled on the due date, there will be no interest at all.
If only 1 cent remains open, the interest will be calculated on a daily basis for the period used. If not, you will probably be glad that you got time against interest.
Exception: With cash withdrawals, the interest is always calculated from the first day. For cash withdrawals, this card is not so optimal.
Advanzia Mastercard Gold identifies Revolut top up as a cash withdrawal and therefore it incurs interest.
Or total billing amount bears interest until paying off? Interest accrues overnight. That means, in your case, it would be EUR 0. Card transactions that are not considered cash sales are interest free until the date specified in your billing.
So in the next billing cycle Advanzia will give me a cumulative interest of both cash withdrawal and card payments?
What I mean is that if i choose to repay the partial amount, how Advanzia will know if I am paying off the cash withdrawal or card payment?
Interests are calculated if you do not pay the full amount of your bill, every transaction is individually and retroactively charged with interest, until the day of your payment.
That means that some interest may be charged on the next months bill if that is the time that you finally paid back the whole amount. If you make partial payments, interests will be calculated on the whole amount of your balance e.
These transactions are always being charged with interest fees from the day of transaction until the full payment of the amount.
Purchases are not being charged with interest fees, if the full amount of the invoice is paid until the due date stated on the invoice. If you make partial payments, purchases are charged with interest fees as noted above.
If you take some money from an ATM and you also purchase something, the money you pay back will cover a transaction that was done first.
That means if you purchase something and you take some cash a few days later, the payment you make considering it was a partial payment will cover the purchase since that transaction was done before and you will still receive interest for the cash withdrawal until you pay the full amount back You will receive interest for the whole balance and not only for the amount that was left.
Good evening! I have opened an account and today, the card has arrived. I live in Hamburg and want to repay the loan every month on time.
In the bank, it was promised to me that I can increase the loan limit by Euros 1, When can I withdraw the full amount? Thank you for the article and nice info.
I would only have one question — does this account have a minimum transaction amount per month? Since I might not use the card every month, would I be charged if there is no bill to settle?
Advanzia Card is not a scam. I was also hesistant to use it at first but so far, it was so good! Advanzia will just have it converted from your home currency to euro rate based on the date of transaction, unlike other credit cards who will have you pay additional foreign transaction fees.
What Ive learned ist that, although banks earn from credit card interest, they still prefer customers who always pay on time. On time means before the due date before 20th of the month for Advanzia.
And my personal rules about using credit cards: always pay before due date and never withdraw money from it cash advance , these gave me a good credit stand.
Many thanks for this up-to-date and comprehensive description of you experiences, and we wish you much enjoyment with the MasterCard. Making use of the credit card to send money via Western Union will you be charged like cash withdrawals.
Yes, that makes sense, since the recipient can get the money in cash right away. As customer, one has to pay attention, because cash withdrawals or, like in this case card sales marked as cash payments, incur credit interest immediately.
Many thanks for this tip for our readers! I want to order this credit card. How high is the credit line initially? I know that everything depends on a regular income, but I am rather interested in the estimated amount… I also take the credit card of my main bank Deutsche Bank into account, but I have to pay an annual fee there.
I kindly ask for your advice. No one can say this upfront, because a computer determines that based on your statements and the creditworthiness check.
The beautiful thing about this credit card is that the credit limit automatically increases with the use of the credit card. Where can I find the account number to deposit money I mean to repay into my Advanzia Gold credit card?
It is written on the monthly credit card statement. Usually days, sometimes even the same day. After all, payment transactions within the Euro zone are becoming quicker and quicker.
Yes, that is very probable, because a SEPA transfer is not supposed to take longer than 1 banking day. Hi I found your article quite informative.
Were you really charged 5 euros on the bank statement of Advaniza or have you been unsettled by the Sparkasse sticker? These stickers are used to discourage Sparksse customers from switch-ing.
I see. In last 2 weeks, they have left 4 messages and several calls of mine with no reply. This convinced me that Advanzia is not something trustworthy.
Good day. How about if I withdraw my credit and can I pay it back within one month and get an increase of credit immanently.
Once blocked, you cannot unblock it until you speak to support by phone, which can take hours because of long queue and you have to pay international call rates.
And there is no guarantee it will be unblocked immediately. Pros: — Works everywhere. I got the card and today sent them my signature, photo of my ID and passport and residence permit via email AND via post office.
I live in Germany. My question is how dow do i withdraw money from my card? When do i receive PIN code from them? Do i receive it via email or via post?
I really love a multicultural environment where every individual offers a different perspective to a particular issue.
This is one of the reasons why I recently joined Advanzia: It is a truly international company. Juan, Project Management Team. I not only joined a great team but I also had the chance to meet so many people virtually during my first weeks.
So even in challenging times, everyone at Advanzia made me feel welcome from day one. We all get along really well as a team! Alisa, Product Development Team.
The company understands and respects that there is life outside of work. I really appreciate the flexible working hours, as they give me enough freedom to juggle work and family life.
Is the euro refund in your current transactions or in your monthly bill? Whatever the case, you can safely say that whatever the amount on the monthly bill issued to you, that is the amount you should pay assuming you want to pay it all off straightaway and obviously having checked it adds up.
The euro refund will either have been taken into account in this month's bill or if, not, will be deducted from next month's bill.
Posted 21 Jun BTW, i have another question. I tried to find out their interest rates in case i don't pay the monthly balance all off.
They said the following on their website:. So i wonder if anyone can explain that in English, like if i have to pay euros and i pay only 30 euros by the due date, then how can i pay the rest?
Posted 6 Apr They say the interest rate of the cash withdraw would be calculated from the day i got the cash till the day i return it.
I paid back a a few days ago and my balance is now , but how should i know if they assumed that as the return for the cash withdraw and not for the purchases?
You really need to dig out the contract you signed to take the card and read through the terms and conditions, or call them. Without knowing the specific terms, it's a shot in the dark as to what you agreed to.
It really isn't that difficult, y'know? You need to be a member in order to leave a comment. Sign up for a new account in our community. It's easy!
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Die Gesamtkosten enthalten sowohl die vereinbarten Sollzinsen als auch die sonstigen Kosten, die im Zusammenhang mit dem Kreditvertrag anfallen, soweit diese Advanzia bekannt sind.
Der Gesamtkostenberechnung liegen die Angaben zur Berechnung des effektiven Jahreszinses zugrunde. Mit der letzten Zahlung des Karteninhabers sind der Saldo, die Zinsen und etwaige Kosten ausgeglichen.
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