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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.

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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.

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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.