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Chiko135
1 year ago

Yes, for cash withdrawals, you have to pay interest that will be calculated on a daily basis. The sooner you transfer the amount back to the card account, the better.

Also the payment of your monthly billing is very cumbersome, because it is not debited from the account, but you have to transfer the amount by 20, the month itself. For each delay, you will pay the 1.89% interest per month. This adds to a proud annual interest of over 20% .

Check something again, there are other credit gardens that are really free and not such an uncomfortable mogel package.

maribi
1 year ago
Reply to  lilabo

Why don’t you just take a debit card for cash payment and the Advanzia for payments and bails?

Chiko135
1 year ago
Reply to  lilabo

There are plenty of offers, especially for students. You can also receive the Hanseatic credit card regardless of the current account. Call and ask for offers for students.

maribi
1 year ago

There are no separate offers for students. If one student accepts, they usually get a card with a 500€ limit.

maribi
1 year ago

Yeah, it’s always interest in cash withdrawal. You can reduce them to a few cents by simply balancing the complete balance by bank transfer. Alternatively, you could assign the amount beforehand and withdraw from the balance, then no interest will be charged. Although Advanzia officially does not offer guidance in the credit, it tolerates it for a short time. In Germany, for example, you can also take cash with dm or Aldi Süd free of charge and interest. But no guarantee how long this remains 😊