Which Free Credit Card Is Better? Advanzia Gebührenfrei vs TF Bank Mastercard Gold Comparison 💳 🇩🇪
Вставка
- Опубліковано 7 сер 2024
- In this video I discuss Which Free Credit Card in Germany Is Better? ❤️ TF Bank: ahsanfinance.com/TFBank
or 💳 Advanzia Gebührenfrei: ahsanfinance.com/Advanzia
❤️ My Favourite ❤️
🌱 Broker: ahsanfinance.com/scalablecapital
💶 Free Bank Account: ahsanfinance.com/NorisBank
💼 Legal Insurance: ahsanfinance.com/GetSafe
💳 Free Credit Card: ahsanfinance.com/TFBank
🌍 Free Ebook on Financial Independence in Germany: ahsanfinance.com/FreeEbook
Get a Free Stock worth upto 200€
💵 Scalable Capital*: ahsanfinance.com/scalablecapital
💵 Trade Republic *: ahsanfinance.com/traderepublic
Watch Next //
🎬 How to Start a Business in Germany: • How to Start a Busines...
🎬 Taxes in Germany: • Tax Return for Employe...
🎬 How to Investin in Germany: • Video
Contact Me //
📸 Instagram - /
🌍 Facebook - / ahsanfinanceyt
Equipment Used to Make the video//
🔭 Tripod*: amzn.to/3ajokHo
🎤 Microphone*: amzn.to/3alkRb7
🎙️ Mic for pc *: amzn.to/36uCK6h
💡 Lighting setup*: amzn.to/3cm6shI
📷 Camera*: amzn.to/3xmPwzd
In this video I discuss:
#ahsanfinance #ahsanfinance #ahsanfinance
*Affiliate link, I may earn a commission if you use the link and make an account at no additional cost to you
Disclaimer: None of the content in this video is meant to be considered as investment advice, as I am not a financial expert and am only sharing my experience with stock investing. The information is based on my own research and is only accurate at the time of posting this video but may not be accurate in the future.
![Best [FREE] Credit Cards in Germany 💳](http://i.ytimg.com/vi/pTQjNjUPj1U/mqdefault.jpg)
![Best [FREE] Credit Cards in Germany 💳](/img/tr.png)
![Best FREE Credit Cards in Germany [2023 Update]](/img/n.gif)
I have a garmin watch with Garmin Pay, so I was thinking about the Gebuhrenfrei card. But I don’t like that it can’t be setup with a direct SEPA each month. I have the Amex Payback and it is easier to just use that card. I wish the Amex could work with garmin pay.
Maybe one of these credit cards could fit your needs: ua-cam.com/video/_m13lycMVXI/v-deo.html
Hi, please let me know, how they are as compared to American express payback card. Thanks
Payback has its own strength. It's more directed towards points collection from purchases. While these have insurance and travel benefits
Friend you didn't consider the currency exchange rate when using the card abroad. That's why there are no foreign transaction fees, they are built into the exchange rate. Second thing you didn't mention (even though you did discuss it in comments to another video) is that the cards are not user friendly when abroad. Usually the bank blocks foreign transactions; you have to inform them your travel plans in advance and even then it will randomly lock down again leaving you potentially stranded until such time you can call the bank again. If you are roaming on your sim this could prove very very costly and you are in danger of your sim getting blocked if your balance falls too far. SO although the cards CAN be used abroad the hassles are real.
Thanks for pointing out many valid points. I will definitely keep them in mind for future videos!
AOA Sir I've Volks bank Debit & MasterCard, Debit charges 5.99 Euro Monthly while Mastercard 80 Euro Annually. Sir, how can I close my account with Volks bank & get any TF MasterCard ? I really liked each of your video & thank You so Much for all.
I would say that you look into dkb bank or commerzbank to get a free bank account. You can also apply for tf master card. Once you get a bank account and the tf credit card, you can ask volksbank to close your account
How to pay credit card settlements ? Do you get email with their bank details and later on confirmation of successful transfer ?
Yes You get an invoice email with payment details where you need to manually transfer the amount
what's does it mean by " manually"?
Can I transfer the invoice amount from Wise or Revoult Account?
is it possible to transfer monthly invoices for Gebührenfrei credit card from my Wise/Revoult account?
Yes, it shouldn't be a problem to use Revolut at least. I think Wise should also work but I haven't tested it.
Just want to make sure. With Advanzia credit card… i am in germany and if i travel to UK and make payments there. Will there be any extra charges? Or will there be currency converting fee for that?
No fee but because it is built into the exchange rate which can be 5% or 10% worse than directly exchanging currency at the bank.
I need a credit card to rent a car in Canada, do you think the TF Bank is a good option? I don't need a credit for other reason than this, so I will never use it for other than this reason (I'm just scared the "free" options are not fully free)
Nevermind I just saw that you need a German ID for the TF.. I guess I could go for the Advanzia then
By German ID i meant, the normal id card you get from the ausländerbehörde and not a visa on the passport
Please make an video on Amex credit cards in Germany
Will do soon ☺
It’s stated that Gebuhrenfrei has 7 weeks of interest free payment? Does this mean there won’t be any interest rate if we pay in instalments?
No what it means is that, If you buy something on the 1st of January, you will get the invoice for that expense on the 3rd of February which you will have to pay in full by 20th February. This makes 7 weeks of interest Free period. You will have to pay interest if you select the installment plan.
I want to understand how interest rate works, if I'm paying on installments how much the interest would be every month?????
You pay interest on the unpaid amount
im using gebuhrenfrei, this month is the first payment I will make but I can't pay manually with my konto because it is in Luxemburg. How do pay?
If you have a German bank account then you should be able to pay the credit card bill as Luxemburg is in the SEPA zone
Hi, is there any Withdrawal fee on both Credit Cards? So is it possible feeless withdrawal cash at atms? Thank you :)
There can be fees from the ATM provider not from the credit card companies. Bur remember Interest will be charged starting from the day of cash withdrawal.
@@ahsanfinance Is it possible to pay the bill for cash withdrawl on the same day of cash withdrawl? e.g. on 12th of any month, I withdrew 50 euros in the morning from ATM and then I pay the card card bill on the same day?
My card is blocked, tried mailing them but did not work ehat should I do? Please help!
Which are? and are you outside Germany at the moment?
I have applied for Gebühr frei card from advanzia bank they ask Residence permit not address registration letter for Non EU citizens document for processing.What should I do in this case ?
Do you have any kind of visa with you? you can show that to them
Is it possible to transfer money from TF bank credit card to my other bank account (for example Commerzbank Account)? Btw this is possible in case of Advanzia.
At the moment this is not available
Ahsan, for closing Advanzia Credit Card is there period of time which we have to adhere to?
Do you mean time between getting the credit card and applying to close it?
@@ahsanfinanceYeah, and if there is a closing charge as well?
Nope no closing charges. But be careful when opening and closing credit cards too quickly as it can negatively affect your SCHUFA score
@@ahsanfinance Thanks Ahsan for the advice. Much appreciated!
What is the initial limit of both cards when we recieve them
Both of these cards have a starting limit of between 100 to 300 Euros. Some people do however get a higher initial limit but its quite rare
Why isn't there an English option in my advanzia app?
Its only in German unfortunately
Hey i forgot username and password of advazia credit card how can I retrieve it!!? 😢
You can call the Advianzia customer service and they should be able to help you if you have all the other details with you like your phone number which you registered with the Account and your ID card
Hello, can you please suggest me a credit card, which can be connected with my Girokonto and have an automatic payment option in Germany?
What features are a must have for you in a credit card?
@@ahsanfinance No annual fee and Auto payment
Look into barclays visa
@@ahsanfinance Thanks for the reply, does it have auto payment ?
Hey i applied once for Barclays but they rejected me because of less than 2 years Aufenthalt so what is better option now Tp or Gebührenfrei?
I lost my card. Can you help me in this? How can I request a new card??
You must report your card lost as soon as possible here: 0800/8801120 you can also request a new one
Hi, i have some questions, i want to live in Germany in the next few years and i would love to already have a somewhat high credit score could it be that taking one of these credit cards and using it while living abroad Germany could help me have a good credit score by the time i go to live there, also do i need to open a bank account and then take a credit card or could i only take a credit card and be ready to go(which bank account do you recommend that i could open being abroad)and also if i have an amex card could i transfer it to Germany or do i need to start over again
Well you would need an address in Germany to get a Credit Card so I don't think you would be able to get either. Credit Score in Germany is a bit different than the US, here is a video where I explain it : ua-cam.com/video/1zzURtXkiX8/v-deo.html
@@ahsanfinance I'm going to visit Germany for 1 month in the next months could I somewhat cheat the system and take out a credit card and use the address of where I'm staying and when I need to go back to my country I could still be able to use the credit card and be able to build credit ? and could you tell me what card companies are the ones who offer the best credit cards like what would be the equivalent in Germany of an American express platinum or like the capital one venture x
I am assuming you are from the US? if yes then Credit Score in Germany is totally different compared to USA. The hassle won't benefit you at all.
Mistakenly I applied twice for Advanzia Card. Will it create any problem. During the first time I mentioned wrong nationality.
Contact Advanzia and clear the mix up. They might cancel both the applications.
@@ahsanfinance Yeah I just received the email and they said that "Thank you for your interest in the fee-free Mastercard Gold.
While processing your applications today, we discovered that you have applied for the credit card multiple times. We would like to draw your attention to the fact that we can only issue one card per customer. For this reason we will not process this request further. You will receive a separate message regarding your further application.
We ask for your understanding and thank you for the trust you have placed in us."
Now what should I do?
You have to wait and see how they process your other application
Advanzia bank many times reject transactions without any clear reason when you use it out of country. It happened many times to me that even after 3d auth verification tranaction failed. Otherwise, the card and services is good.
Thanks for pointing it out! Yes this issue is quite common with most credit cards.
CAN I APPLY TF WITH FIKTION PAPER WHILES I WAIT FOR THE RES PERMIT
They might reject your fiktion papers. But you can always try your luck
I have applied for a Advianzia card but i won't to cancel it before it comes
Use the contact form on their website and cancel the card.
i made repayment day before yesterday payment reflected in my account yesterday but i don’t able to use if any one know after how much time i can use the card please let me know ( Tf Bank card )
It can take a couple of days for the transaction to go through.
@@ahsanfinance ok thanks
Glad to help
Can anyone tell me the highest limit of tf credit card i can’t find it on website?
The credit limit depends on your Credit Score. You generally start with a lower limit and once you use the Credit Card you can ask for the limit to be increased
@@ahsanfinancethanks 👍
Which one doesn't have autopay?
Unfortunately neither. You have to make a manual transfer
@@ahsanfinance that's rubbish. I don't see any averages Vs Barclaycard which has autopay
Interesting. Please turn off the background music. We need to hear you😅.
😅 Sorry about that
I cannot order from indonesia. I m german citizen and live in Indonesia.
Unfortunately these are only available in Germany
Hi Ahsan,
Can you please let me know how to increase credit limit of TF Bank gold credit card.
Hi Ravi, if you have recently gotten the card then you might need to use it for a couple of months to get the credit limit increased. This is because you do not have a client relationship with TF bank in the beginning
@@ahsanfinance Thanks for info
Glad to help 😇
hey ravi can you please tell me after repayment how much time it’ll take to use again our limits?
I try to apply they didn't reply me what happened
How many days have you been waiting?
Now they have replied me but they told me is schufa that means is not possible what should I do what is schufa
I am assuming you opened an account with TF bank and they rejected your application. If this is the case, then you should try to register with Advanzia bank
I have both credit cards
And which card do you find better?
can you tell me the highest limit of tf bank credit card?
It depends on your Credit Score
hey bro can you please tell me after repayment how much time it’ll take to use again our limits?
💳
TF I don‘t know, I don‘t have any experience with it. But Advanzia? NO! NO! NO! GET AWAY FROM IT!
It seems you had a horrible experience with them. Could you please share some details?
I think now I do have a stroke of epilepsy !
All the cuts and effects are highly distractive.
🤣 I should add an epilepsy disclaimer in the beginning
@@ahsanfinance Seriously this ain't a joke. I believe you have good information in your video but all the effects, distract the viewer from actually listening.
Plus, as an insider of the industry : you don't need it ;-)
I have actually changed my editing style in my newer videos , if you look at my videos after August you can notice the difference 😇
Both are BS..
Would love to hear your opinion in detail
I have just received this card it says
Annual fee (permanent) 0 euros, Foreign transaction fee (worldwide) 0 euros, Cash withdrawal fee worldwide at the counter/ATM 0 euros, card mailing 0 euros card lock 0 euros, emergency replacement card 0 euros Replacement PIN (Secret number) 0 euros, duplicate invoice 0 euros, Invoicing (postage) 0 euros
Which one did you get?
@@ahsanfinance Adavnzia Gebührenfrei mastercard gold
There is always some fine print. You can watch my detailed video on it here: ua-cam.com/video/9F8NNwMqq2M/v-deo.html
Warum geben mir nicht scheiße