Tag Archives: finances

Free Credit Cards Become The Default

More and more banks offer their customers free credit cards – frequently also as extra to the current account in the last few years a lot has happened in the German financial market enormously and is here not by the financial and economic crisis and your consequences. Much”refers in this case much more on the fact that many financial sectors are fundamentally changing. A clear trend to observe that ensures that classic payment methods, such as E.g. cash, more and more of the payment by card will be replaced for example in recent years is so. Especially the so-called credit cards “have distinguished himself in this context especially, unite them but a maximum financial flexibility with the ability to pay cashless anywhere in the world. As everywhere in the financial sector there is a very sharp and lively run competition for market share now but also for the credit cards.

On their hunt for customers all companies, and of course the various smaller credit card companies are, always new, eager for the customer to bring even more attractive offers on the market. Classic credit cards always have cost an annual fee, it was now only a matter of time until is set precisely at this point in this regard and come the first completely free credit cards on the market. But why can the cards be offered free of charge? In this case, what deserves the credit card company? Now, the credit card company can offer only so free the card, because it charges a fee from the company for each use of the card that receives a payment. In this way the card can finance easily yourself and the consumers can be provided at no charge. If the card is free now from the outset, or whether first a certain minimum turnover must be achieved with the map is different from credit card companies, credit card companies and can not be purchased. Also, it is quite possible that a Bank has models in the range, where that U.b.. in addition to the credit card also the fee for the current account is avoided linked also may be at certain sizes of sales. Summary one can say that you should spend more money as a customer never than is absolutely necessary.

Who look at the market, namely quickly realizes that there are already a number of credit card offers which cost more no fee at all. For an appropriate credit card a little to facilitate the work in the research, many sites on the Internet offer a free credit card comparison. Here interested, can see in a few seconds, which offers currently available and which model you might be right. Mischa Hill

Smava.de

“Special Edition shows the financial test: smava.de provides for independent cheap alternatives to the Bank online credit Exchange smava.de already for the fourth time positive financial test rated often there are the loans at favourable conditions, assessed the Special Edition special self-employed by Stiftung Warentest leader has smava.de over 37 million euros of loans conveys Berlin, 12.10.2010 already for the fourth time the online credit market was smava.de by the Stiftung Warentest magazine Finanztest positively this time in the current Special Edition special self-employed persons”. This financial test writes that smava.de not only for individuals, but also for the self-employed is a good alternative to the Bank. The magazine advises: “If you want to try it with a credit application over the Internet, smava first choice.” The first choice was smava.de for the heating and sanitary operation Axel Niedenthal. The sole trader needed 18,000 euros as a result of charging through Investment and tax office demands. “Niedenthal recorded a credit of smava.de and reasoned: I have an online credit with smava.de opted for, because it was faster than when the Bank.” Usually financed projects on a day. “” The judge also Stiftung Warentest: If the creditworthiness … positive, is the money already, as well as on the account “, it means self-employed in the current special”.

I am pleased that we have once again received a good assessment by Stiftung Warentest. This shows us that we properly with our concept and is an incentive to expand our online credit marketplace”, says Alexander Artope, CEO and co-founder of smava.de GmbH. smava.de distinguishes itself in addition to the fast speed of financing due to a high level of transparency and self-determination. Because borrowers do not occur as a supplicant, but meet investors as market participants at eye level. Also can any borrowers with the smava loan calculator on 128 + Kreditrechner.html his conditions in advance to see. While borrowers the rate at which they borrow money, themselves set. As well, the possibility of free replacement without notice is important for many self-employed because they are very flexible.

That’s why many entrepreneurs take advantage of smava.de as a tool to order preliminary or interim financing. That agrees the concept in smava.de, demonstrate not only the positive reviews by independent financial experts such as Stiftung Warentest and the financial magazine euro. In particular, the growing number of users speak for Germany’s leading online credit marketplace: now financed by over 12,000 investors around 4,800 credit agreements. Overall, over 37 million euros of loans were communicated successfully. Smava.de smava.de.de is Germany’s largest credit exchange and offers an online platform where they can make money directly to each other for borrowers and investors. smava.de is for borrowers and Get investors the smart alternative to banks, because they share the common banking interest margin and better conditions. Borrowers benefit from low interest rates and the possibility to settle their credit at any time free of charge. Investors benefit from a higher rate of return than interest in other forms of investment. In addition, investors will receive a social rate of return, since they determine when smava.de itself which project they support. The smava.de GmbH is a German company headquartered in Berlin, which was started by an experienced management from the financial and Internet area. More information at or. Press contact: Zucker.Kommunikation team smava.de Tel: 030/247 587-0 fax: 030 / 247 587-77