Free credit card: Find the best credit card!

A free credit card offers optimal financial independence today. In order to provide you with the best possible information, we have worked out a free credit card comparison for a good overview with our financial editors and experienced experts. If you would also like to read more about the topic or are interested in specific aspects, you can find a comprehensive guide under the comparison. Find the best free credit card for you now and apply for it directly online!

 

The best free credit card at a glance

credit card at a glance

  • No annual fee
  • Free partner card
  • No costs for cash orders
  • Often part of free checking accounts
  • Available with special additional services

The small plastic cards have become an integral part of our wallets. Whether in the supermarket, at a gas station or in a restaurant, cashless payment is practical. If you have a lot to do with car rental companies, you know that the deposit can almost only be made by credit card. Of the many advantages that credit cards offer us, the fact that there are also free credit cards is the icing on the cake.

 

Cards with annual fees are “out”

credit Cards with annual fees are "out"

The branch banks and savings banks firmly adhere to their strategy of only issuing the cards available from them for a fee. The question is how long will the species of customers who are willing to do so remain there? The Internet generation has learned to look at each provider before making a purchase decision, which provider has the cheapest offer. A credit card comparison shows that the number of free credit cards in the check has increased significantly.

These are not just cards that otherwise do not offer any additional services. Free cash withdrawals abroad are just as special as collecting bonus points. The fee-based cards of the branch institutes offer no added value for the Classic cards and Gold cards – they only cost. This inevitably means that golden credit cards are now also available free of charge. They have had their day as a status symbol.

 

Is there a free credit card on a credit basis?

credit card on a credit basis?

Since the issuers generate part of their income through the interest on installments of the open balance, you can issue credit cards free of charge. This source of income does not apply to prepaid credit cards. For this reason, credit cards on a credit basis are not available. The annual fees for prepaid cards are very different, however, a comparison is essential.

 

The four most important criteria for a free credit card

credit card

  • The annual fee must be waived permanently, not only in the first year.
  • Free cash disposals should be possible in unlimited numbers, at least outside of Germany.
  • A free credit card for the partner is desirable as part of an account package.
  • Additional services, such as discount programs, have a positive impact.

 

Apply for a free credit card

Apply for a free credit card

Did you find what you were looking for in the free credit card check and would you like to take advantage of a free credit card?

The application is made via the provider’s homepage. If the application is made as part of the post-identification process, the application forms must first be completed and then printed out. You then send this to the credit card issuer by post. For this it is necessary that you visit a post office and present a valid ID card or passport with confirmation of residence. A driver’s license is not permitted as an identification document due to a lack of residence information. You will then receive the credit card by post. The PIN number will be sent to you in separate mail. Alternatively, you can choose the PIN yourself when applying. In this case, the delivery is omitted.

If the issuer offers the video identification process, there is no need to go to the post office. You also need a valid ID document. In addition, a computer with a camera and voice function is required. Activate a video chat via the homepage of the page. An employee of the credit card company photographs the front and back of the ID. To confirm the authenticity of the document, you have to wiggle it in front of the camera so that the hologram is visible. At the end of the process you will receive a TAN with which you can confirm the application process.

 

The free credit card check – the following criteria are important

The free credit card check - the following criteria are important

The number of free credit card offers is continuously increasing. A free credit card comparison is therefore essential. What should you look for in a toll-free credit card to apply for the best free credit card?

First of all, the exemption from fees must be permanent. Lure offers with the first year free of charge are not included in the check. Even with a free credit card, it is possible to repay the open balance in installments. Since the credit card issuers charge interest in this case, a comparison is worthwhile when the interest accrues and in what amount.

The topic of interest also plays a role in cash disposals. In the case of cash advances, some issuers do not only calculate the interest from the date of the invoice for the past month, but from the day on which the credit card was used to withdraw money. Here, too, the level of interest is decisive, although this case can easily be avoided. Who knows that he will withdraw money, simply transfers the corresponding amount to the credit card account in advance of the cash order.

Many toll-free credit cards offer free cash withdrawals worldwide. With a transfer to the credit card account before departure, there are definitely no further costs.

A plus with a free credit card is the participation in a discount system. This enables cardholders to save twice – on the one hand with the card fee and on the other hand with discount credits for every purchase.

If a bank provides a free credit card as part of a free current account, it is of course desirable that a free credit card for the partner is also part of the account package.

Credit card without checking account: Apply for the best card!

A credit card without a checking account was standard until the direct banks started offering free account packages with toll-free credit cards. In order to provide you with optimal information about these classic credit cards, we have drawn up a “credit card without checking account” comparison with our financial editors and experienced experts for a good overview. If you would also like to read more about the topic or are interested in specific aspects, you can find a comprehensive guide under the comparison. Now find the best credit card for you without a current account and apply for it directly online!

 

The credit card without a current account at a glance

The credit card without a current account at a glance

  • Classic credit cards
  • Prepaid cards
  • Miles & More
  • Free credit cards
  • Credit cards with certain motifs, for example club logo
  • Cards with discount systems

The number of providers for a credit card without a current account is completely confusing without a corresponding comparison. It is not just about the classic credit cards, which can be opened separately from a checking account, but require a checking account as a clearing account. There is also talk of prepaid credit cards that can be topped up in any way. Credit cards without a current account are available in numerous forms, so that the best credit card without a current account can be found for each user. Here is a small overview of the characteristics.

 

Is there a free credit card without a checking account?

credit card without a checking account?

If it is a real credit card, the number of free credit cards without checking account is extensive. Basically, consumers can only find the best individual card using a free credit card without checking the current account. However, prepaid credit cards, which also work without a current account, are not available free of charge. This type of card incurs fees, which vary from provider to provider.

 

The three most important criteria for a credit card without a checking account

credit card without a checking account

  • The elimination of the annual fee is desirable.
  • The variety of offers leaves nothing to be desired.
  • Available as a classic credit card, but also as a prepaid card.

 

Apply for a credit card without a current account – how it works

credit card without a current account - how it works

Have you found the best credit card for you without a current account from the multitude of offers and would you like to apply for one now? The credit card application can be found on the issuer’s homepage. With a classic credit card, a credit check is carried out, which is not necessary with a prepaid card. In most cases, you have to apply for the credit card without a current account by sending the completed documents back to the credit card issuer as part of the post-identification process. To do this, you need a valid ID card or passport with confirmation of residence for the legitimacy check.

If the publisher offers the video identification process, there is no need to go to the post office. For the video identification process you need a computer with camera and microphone and speaker in addition to the valid ID. You can contact the issuer via the video chat function, and an employee will guide you through the application process.

 

The credit card without checking the current account

The credit card without checking the current account

In general terms, due to the large number of offers, everyone has to decide for themselves which criteria are important for a credit card without a checking account. The majority of consumers want the credit card to be issued free of charge. Frequent flyers want to collect flight miles with card sales, frequent travelers prefer cards that offer a discount at the petrol pump. Whose heart is attached to a particular football club may choose a card with the club crest. Others are looking for a credit card that enables an individual card motif. There is a wide range of criteria that make up “the best credit card without a current account” for the cardholder.

 

Conclusion

A credit card without a current account is nothing new, the market is full of it. Only a consumer can find out which is the best credit card without a checking account for themselves by means of a credit card comparison.

Loans from private to private without Credit Bureau

Loans from private to private and without Credit Bureau are increasingly the last resort for precarious credit situations. In comparison to the service of a credit broker, the personal loan opens up savings potential. However, no miracles can be expected from private donors. The article highlights the advantages and disadvantages of both credit options.

Loans from private to private and without Credit Bureau – the framework?

Loans from private to private and without Credit Bureau - the framework?

Loans from private to private and without Credit Bureau can be found on the two major portals for personal loans. The idea of ​​networking savers and borrowers directly with each other is behind the business idea. Small savers struggle with the problem of capital devaluation on the savings book. The savings book interest is not even enough to compensate for inflation. The platforms offer savers an opportunity to generate interest income.

In many cases, borrowers can no longer simply go to the house bank to get a loan. The poor development in income has robbed her of creditworthiness. Your Credit Bureau score may still enable a mail order company credit, but larger credit requests remain unfulfilled.

Application for the loan from private

Application for the loan from private

The procedure for applying for a loan is almost the same for both platforms. First, the loan request must be presented in detail. The platforms also provide an opportunity to gain an insight into the private life of borrowers. Loans from private to private and without Credit Bureau run on the level of humanity. There are good chances for small loan amounts. The new children’s bike for a family in the Harz 4 – cover can be implemented without Credit Bureau and certificates.

Loans that are manageable are conceivable without collateral. An expensive car repair would go beyond this without security. At least property collateral should be offered for loans of this size. Again and again the personal loan appears in advertising as an instant loan. At least for now this is a promotional duck. The bidding process simply takes a long time.

Credit intermediary or personal loan?

Credit intermediary or personal loan?

Both options for loans in difficult credit situations have advantages and disadvantages. Credit intermediaries have a lot of experience in dealing with loans without Credit Bureau, using the international loan, the offers of domestic specialist providers and private investors. If there is a credit opportunity at all, a credit broker knows the way to open up the source of money. Your donors know what they’re getting into. You decide clearly and emotionlessly for a loan request or refuse the loan.

Private lenders make more decisions based on gut instinct when making their credit decisions. This behavior is advantageous for small credit requests. Especially when it comes to children’s wishes or training support, many people simply want to help. Loans from private to private and without Credit Bureau are easy to get in these cases. Larger sums that private donors are reluctant to allocate without a clean Credit Bureau.

Credit for 1 year – short-term loan

A loan for 1 year, as the name suggests, means an installment loan with a total term of 12 months. Only 12 months as a term are rather uncommon in the credit system, which is why the short term is mostly used for micro or small loans.

12 months installment loan

12 months installment loan

The monthly payments are always calculated by dividing the term, in this case the 12 months, by the total amount of the loan, which is made up of interest payments + loan amount. This shows that the monthly payments, especially for larger loans, are enormous and can hardly be managed by private individuals. Even with a small loan, which is colloquially put at a maximum amount of 5000 USD for private individuals, the monthly repayments can hardly be managed with a low or average income.

Therefore, taking out a loan for 1 year is only recommended if you are either sure that you can pay the full amount of the repayments on a month-to-month basis, or if the loan amount is so low that, conversely, the repayments are also very high turn out small. You can quickly find out how high the monthly financial burden is by using a credit calculator, which also provides information about the total costs of the loan.

Repay the loan as soon as possible

Repay the loan as soon as possible

The main reason for taking out a loan for 1 year is in most cases that the borrower wants to “get rid of the loan” as soon as possible in order to be debt-free in the future. This starting point is certainly also the right way to prevent possible over-indebtedness and to keep your own creditworthiness and creditworthiness at a high level.

Nevertheless, borrowers should under no circumstances undertake the repayments for a loan, since the payment in installments not only significantly reduces their own creditworthiness, but also the resulting interest on arrears can quickly drive up the total cost of the loan. A loan for 1 year is therefore only worthwhile if your own income is high enough to cope with the short term and the resulting high monthly repayments, or if the credit is so low that a longer term for both parties only would be unnecessary and disruptive.

So whether the loan is used with such a short term always depends on the individual situation and the financial condition of the borrower. In any case, get a comprehensive overview of neutral and independent loan comparisons before you accept them, which you can use as often as you like without obligation and free of charge.

Credit for 2000 USD – Apply for a small loan

 

Each of us has wishes or dreams that we would like to immediately put into practice. Some dream of a great vacation or cruise, others of a new piece of furniture or a small moped. Sometimes it is unfortunately the case that the necessary change is missing. Various banks or online institutes also offer small loans such as a loan for 2000 USD in such cases.

Wish fulfiller – the loan for 2000 USD

Wish fulfiller - the loan for 2000 USD

It is always worthwhile not just to go to the house bank and take a look at their loan, meanwhile numerous banks offer a loan for 2000 USD and a comparison is always worthwhile to get the best for yourself. The most important thing is to be clear beforehand about the loan amount that you need with additional costs more than the desired amount is due in the end. Before doing so, think carefully about how much you can pay for this loan each month in installments.

The interest rates for the loans can vary between 2% and 8%, a precise comparison is particularly important here so that in the end you don’t have to bear too much monthly debit. Compare exactly, read the additional costs carefully to see how much more you have to absorb.

The easiest way to do this is to make an “online selection”. The various search engines compare the loans in advance and offer you an overview of the various conditions such as interest rate, requirements and possible restrictions.

Online loan with no Credit Bureau query

Online loan with no Credit Bureau query

If you opt for an online loan, in most cases there is even no Credit Bureau query or negative Credit Bureau entry. Short distances also make it easier to apply for a loan. Simply request the desired amount online, wait for feedback from the respective bank, fill out the online application and send it to the responsible bank by Post-Ident. As soon as the application is received, the amount will be paid out.

At a bank itself, it’s just as easy. You make an appointment with the bank advisor, explain the desired amount to him and bring proof of income. The bank advisor fills out the contract, if necessary, if necessary, a security such as life or pension insurance and usually concludes the contract with you immediately. As soon as the loan officer has processed your application, you will be paid the amount.

Five steps on the way to the ideal installment loan

 

When it comes to financing, ie realizing the purchases, a clear picture emerges: what is necessary or can be planned is paid in cash, the unforeseen with a loan. The respondents save long-term for their own wishes, such as vacation. In contrast, expenses that are unforeseen are more likely to be paid for with a loan. After all, the broken car usually has to be replaced quickly so that you can get back to work. Appropriately, car loan is the most common use of an installment loan.

Five installment loan tips for you

Five installment loan tips for you

    In keeping with the motto “finance with reason”, we have put together the five most important installment loan tips for you. These tips should help you find the right installment loan and at the same time improve your chances of actually getting it.

    Short or long term: Available- vs. installment loan

    Short or long term: Available- vs. installment loan

    Depending on whether your purchase just overextends your budget or whether this will be the case in the long term, it is worth considering which form of credit is the right one: overdraft facility or installment loan. A disposition loan, ie an overdraft on your checking account, is often twice as expensive as an installment loan. If your account is overdrawn for a longer period, it makes more sense to apply for an installment loan. If you use your overdraft facility on a regular basis anyway, rescheduling on a cheaper installment loan offers a lot of savings potential.

    Same basis: comparison of conditions for installment loans

    If you have decided on an installment loan, it is always worth comparing the conditions of different institutes before applying. Some providers lure with an “asterisk offer”. This only applies to a restricted group of people with very good creditworthiness, for a certain loan amount and term. It is probably a few percentage points from your current interest rate.

    In general, the interest quantifies the price of the loan. Always compare the APR. It includes all costs for the loan and is therefore the ideal basis for a quick comparison. Also pay attention to an identical term and loan amount when comparing different providers: This is the only way the comparison is meaningful.

    Creditworthiness matters: the credit Score

    Creditworthiness matters: the credit Score

    Most loans are credit-dependent. That means: Based on your personal data, the credit institution determines the probability with which you will repay the requested loan. As a rule, the bank receives the information for this via credit (abbreviation for “Protection Association for General Credit Protection”). This credit agency collects the credit-relevant data of the people in order to make them available to banks and commercial companies.

    The higher your likelihood of repaying the loan and the lower the default risk for the bank, the higher your credit score and the better your credit rating. And the higher your credit rating is, the lower the interest rate that is offered to you. It makes sense to regularly check your own data at credit and correct it if necessary. You can arrange both on the credit website. Such information is free of charge for you once a year.

    Pay attention to the wording: correct credit inquiries

    Every credit request is forwarded to credit. Too many inquiries have a negative impact on your score and thus on your credit rating. The reason: credit then assumes that you make so many credit inquiries because you are always rejected.

    It is therefore important to explicitly advise the clerk to make a so-called “request loan terms”. Because this type of query is deleted after ten days and therefore does not affect your credit value. The installment loan specialists always ensures this when making inquiries and in this way reduces the risk of a bad credit score.

    Everything at a glance: Plan your financing request realistically

    Everything at a glance: Plan your financing request realistically

    Whether you are buying a new car, financing a modern kitchen or planning a debt rescheduling – your loan amount and the monthly installment should be tailored to your life situation. Clean up and compare all your income and expenses. This is the only way to get a realistic picture. For example, when rescheduling a debt, it is important not only to replace the old loans, but also to take account of credit card debts and overdrafts. It is also important that you can pay the monthly installment over the entire term.

    It is best to set the monthly rate a little lower and make special repayments if possible. In this way, you remain flexible and do not immediately get into a financial bottleneck in the event of unexpected special expenses.

    In summary, good interest rate conditions are crucial for installment loans, but not everything. Because the loan must first and foremost fit you and your individual financial situation. It is important that you do not overexert yourself, but plan realistically and remain flexible.

    Credit Types for Acquisitions

    For different purchases, there are also different types of loans that are tailored to the specific purchase request. For most people, a car or a house cannot be financed “just like that”. Such considerations require good planning as well as good funding. As everyone knows, there are various types of financing in the financial sector, depending on what you want to finance. But not only things like a car or a house require a loan, more and more everyday goods are now financed by a loan. As a result of this trend among consumers, more and more types of credit have also emerged.

     

    Overdraft facility: Flexible repayment but high interest

    Overdraft facility: Flexible repayment but high interest

    One of the best known loans is the overdraft facility, also called overdraft facility. It is the case with the overdraft facility that it is not automatically included when opening an account, but it is only offered that you have an overdraft facility available. The standard way is like any other loan that it otherwise has to be applied for. With a credit facility there are also prerequisites for the application, so the borrower must have a certain credit rating, which means that the bank requires regular income so that the credit facility can be used.

    The overdraft facility is a framework credit, which means that a certain amount can be used. This sum is usually three times the net income. The overdraft facility is a special form of repayment, because there is no fixed time at which the repayment must be made. However, you should only use the overdraft facility for short-term financing, because the interest is usually very high and can be as high as 14 percent. However, the overdraft facility can be repaid at any time and you can also repay the entire amount at once.

     

    Installment loan: consistency and planning security

    Installment loan: consistency and planning security

    One type of loan that has become very well established and that is also used very often is the installment loan. This is applied for to buy most consumer goods such as a car. If the installment loan is used to finance the loan, the bank issues a fixed sum to the borrower at a fixed interest rate. Already at the conclusion of the contract, a lot is determined for the installment loan, including the duration and all modalities of the installments, ie the amount and number, as well as the fees incurred for the loan. The repayment installments for the installment loan are made up of part interest and the other part loan repayment. With the installment loan you have an effective annual interest rate. This interest includes the total cost of the loan, including the fees. The APR tells you how “expensive”.

     

    Other types of installment loans: prepayment business and mortgage loan

    Other types of installment loans: prepayment business and mortgage loan

    There are other types of installment loans that are worth mentioning. First, a repayment transaction and second, the mortgage loan. In the payment transaction for a television, for example, no money is granted, but the goods themselves, which you can take with you and then pay off in the following period. The formalities are very limited, but it can be that you have a very long term and therefore pay off the consumer goods for a long time.

    In the case of a mortgage loan, the installment loan is secured through a mortgage. This has the consequence that as a borrower you can show good security that you can get a low-interest loan. For example, real estate transactions are financed. One can differentiate again with the mortgage loan, namely either the loan is tied to a specific purpose, so that, for example, certain value-enhancing renovations have to be carried out on a property, or the mortgage loan is purposeless, then whatever the borrower wishes can be financed.