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Which Free Credit Card Is Better? Advanzia Gebührenfrei vs TF Bank Mastercard Gold Comparison 💳 🇩🇪

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In this video I discuss Which Free Credit Card in Germany Is Better? ❤️ TF Bank: ahsanfinance.com/TFBank
or 💳 Advanzia Gebührenfrei: ahsanfinance.com/Advanzia
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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.

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1 авг 2024

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Комментарии : 115

@nilscalasanzio 8 месяцев назад

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.

@ahsanfinance 7 месяцев назад

Maybe one of these credit cards could fit your needs: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-_m13lycMVXI.html

@kost895 Год назад

Please make an video on Amex credit cards in Germany

@ahsanfinance Год назад

Will do soon ☺

@vipul192 Год назад

Hi, please let me know, how they are as compared to American express payback card. Thanks

@ahsanfinance Год назад

Payback has its own strength. It's more directed towards points collection from purchases. While these have insurance and travel benefits

@RasheedKhan-he6xx 6 месяцев назад

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.

@ahsanfinance 6 месяцев назад

Thanks for pointing out many valid points. I will definitely keep them in mind for future videos!

@Nirkan88 Год назад

How to pay credit card settlements ? Do you get email with their bank details and later on confirmation of successful transfer ?

@ahsanfinance Год назад

Yes You get an invoice email with payment details where you need to manually transfer the amount

@This_Is_Not_Important 3 месяца назад

what's does it mean by " manually"? Can I transfer the invoice amount from Wise or Revoult Account?

@DefenceAfghanistan Год назад

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.

@ahsanfinance Год назад

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

@TheRana65 11 месяцев назад

I want to understand how interest rate works, if I'm paying on installments how much the interest would be every month?????

@ahsanfinance 11 месяцев назад

You pay interest on the unpaid amount

@ophelieocean 11 месяцев назад

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)

@ophelieocean 11 месяцев назад

Nevermind I just saw that you need a German ID for the TF.. I guess I could go for the Advanzia then

@ahsanfinance 11 месяцев назад

By German ID i meant, the normal id card you get from the ausländerbehörde and not a visa on the passport

@syedsamarnaushad1647 8 месяцев назад

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?

@ahsanfinance 8 месяцев назад

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.

@This_Is_Not_Important 3 месяца назад

is it possible to transfer monthly invoices for Gebührenfrei credit card from my Wise/Revoult account?

@ahsanfinance 3 месяца назад

Yes, it shouldn't be a problem to use Revolut at least. I think Wise should also work but I haven't tested it.

@20memo Год назад

Hi, is there any Withdrawal fee on both Credit Cards? So is it possible feeless withdrawal cash at atms? Thank you :)

@ahsanfinance Год назад

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.

@arungupta3175 9 месяцев назад

@@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?

@sata1207 8 месяцев назад

Why isn't there an English option in my advanzia app?

@ahsanfinance 7 месяцев назад

Its only in German unfortunately

@joelcaloscosin7681 6 месяцев назад

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?

@ahsanfinance 6 месяцев назад

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

@karanahuja3992 6 месяцев назад

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 ?

@ahsanfinance 6 месяцев назад

Do you have any kind of visa with you? you can show that to them

@sudhanvr6445 7 месяцев назад

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?

@RasheedKhan-he6xx 6 месяцев назад

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.

@bhavyagirothra6412 5 месяцев назад

My card is blocked, tried mailing them but did not work ehat should I do? Please help!

@ahsanfinance 5 месяцев назад

Which are? and are you outside Germany at the moment?

@harshak1578 8 месяцев назад

What is the initial limit of both cards when we recieve them

@ahsanfinance 8 месяцев назад

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

@ravivijaykar1018 Год назад

Hi Ahsan, Can you please let me know how to increase credit limit of TF Bank gold credit card.

@ahsanfinance Год назад

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

@ravivijaykar1018 Год назад

@@ahsanfinance Thanks for info

@ahsanfinance Год назад

Glad to help 😇

@gujjuingermanygig9826 7 месяцев назад

hey ravi can you please tell me after repayment how much time it’ll take to use again our limits?

@contenthub6735 4 месяца назад

Hey i forgot username and password of advazia credit card how can I retrieve it!!? 😢

@ahsanfinance 4 месяца назад

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

@MDSAIFULISLAM-gb4vh 4 месяца назад

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.

@ahsanfinance 4 месяца назад

At the moment this is not available

@reshadzarif1003 Год назад

Hello, can you please suggest me a credit card, which can be connected with my Girokonto and have an automatic payment option in Germany?

@ahsanfinance Год назад

What features are a must have for you in a credit card?

@reshadzarif1003 Год назад

@@ahsanfinance No annual fee and Auto payment

@ahsanfinance Год назад

Look into barclays visa

@reshadzarif1003 Год назад

@@ahsanfinance Thanks for the reply, does it have auto payment ?

@a.haider_313 Год назад

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?

@jerinjames3001 Год назад

Ahsan, for closing Advanzia Credit Card is there period of time which we have to adhere to?

@ahsanfinance Год назад

Do you mean time between getting the credit card and applying to close it?

@jerinjames3001 Год назад

@@ahsanfinanceYeah, and if there is a closing charge as well?

@ahsanfinance Год назад

Nope no closing charges. But be careful when opening and closing credit cards too quickly as it can negatively affect your SCHUFA score

@jerinjames3001 Год назад

@@ahsanfinance Thanks Ahsan for the advice. Much appreciated!

@jdonaldjr Год назад

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

@ahsanfinance Год назад

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 : ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-1zzURtXkiX8.html

@jdonaldjr Год назад

@@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

@ahsanfinance Год назад

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.

@vivekkumar-iz2bh 6 месяцев назад

Mistakenly I applied twice for Advanzia Card. Will it create any problem. During the first time I mentioned wrong nationality.

@ahsanfinance 6 месяцев назад

Contact Advanzia and clear the mix up. They might cancel both the applications.

@vivekkumar-iz2bh 6 месяцев назад

@@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?

@ahsanfinance 6 месяцев назад

You have to wait and see how they process your other application

@vicmike5096 Год назад

I have applied for a Advianzia card but i won't to cancel it before it comes

@ahsanfinance Год назад

Use the contact form on their website and cancel the card.

@ShahTajEjaz Месяц назад

I lost my card. Can you help me in this? How can I request a new card??

@ahsanfinance Месяц назад

You must report your card lost as soon as possible here: 0800/8801120 you can also request a new one

@WahidAzizi1 7 месяцев назад

Interesting. Please turn off the background music. We need to hear you😅.

@ahsanfinance 7 месяцев назад

😅 Sorry about that

@ezrapeprah-kwakye3727 7 месяцев назад

CAN I APPLY TF WITH FIKTION PAPER WHILES I WAIT FOR THE RES PERMIT

@ahsanfinance 7 месяцев назад

They might reject your fiktion papers. But you can always try your luck

@navkam4 5 месяцев назад

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.

@ahsanfinance 5 месяцев назад

Thanks for pointing it out! Yes this issue is quite common with most credit cards.

@gujjuingermanygig9826 9 месяцев назад

Can anyone tell me the highest limit of tf credit card i can’t find it on website?

@ahsanfinance 8 месяцев назад

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

@gujjuingermanygig9826 7 месяцев назад

@@ahsanfinancethanks 👍

@gujjuingermanygig9826 7 месяцев назад

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 )

@ahsanfinance 6 месяцев назад

It can take a couple of days for the transaction to go through.

@gujjuingermanygig9826 6 месяцев назад

@@ahsanfinance ok thanks

@ahsanfinance 6 месяцев назад

Glad to help

@impact0r Год назад

Which one doesn't have autopay?

@ahsanfinance Год назад

Unfortunately neither. You have to make a manual transfer

@impact0r Год назад

@@ahsanfinance that's rubbish. I don't see any averages Vs Barclaycard which has autopay

@mr.wildworld5191 5 месяцев назад

I cannot order from indonesia. I m german citizen and live in Indonesia.

@ahsanfinance 5 месяцев назад

Unfortunately these are only available in Germany

@sayitallfaster3959 11 месяцев назад

I try to apply they didn't reply me what happened

@ahsanfinance 11 месяцев назад

How many days have you been waiting?

@sayitallfaster3959 11 месяцев назад

Now they have replied me but they told me is schufa that means is not possible what should I do what is schufa

@ahsanfinance 11 месяцев назад

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

@AsmrannnaHawkins 3 месяца назад

💳

@andreplumeau6951 9 месяцев назад

I think now I do have a stroke of epilepsy ! All the cuts and effects are highly distractive.

@ahsanfinance 9 месяцев назад

🤣 I should add an epilepsy disclaimer in the beginning

@andreplumeau6951 9 месяцев назад

@@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 ;-)

@ahsanfinance 9 месяцев назад

I have actually changed my editing style in my newer videos , if you look at my videos after August you can notice the difference 😇

@Ramsundar121 9 месяцев назад

I have both credit cards

@ahsanfinance 9 месяцев назад

And which card do you find better?

@gujjuingermanygig9826 9 месяцев назад

can you tell me the highest limit of tf bank credit card?

@ahsanfinance 8 месяцев назад

It depends on your Credit Score

@gujjuingermanygig9826 7 месяцев назад

hey bro can you please tell me after repayment how much time it’ll take to use again our limits?

@malte812 2 месяца назад

TF I don‘t know, I don‘t have any experience with it. But Advanzia? NO! NO! NO! GET AWAY FROM IT!

@ahsanfinance 2 месяца назад

It seems you had a horrible experience with them. Could you please share some details?

@selammskulu1 10 месяцев назад

Warum geben mir nicht scheiße

@parthisubramanian Год назад

Both are BS..

@ahsanfinance Год назад

Would love to hear your opinion in detail

@Kein__name Год назад

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

@ahsanfinance Год назад

Which one did you get?

@Kein__name Год назад

@@ahsanfinance Adavnzia Gebührenfrei mastercard gold

@ahsanfinance Год назад

There is always some fine print. You can watch my detailed video on it here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-9F8NNwMqq2M.html