So you want to know how to pay the Advanzia Credit Card bill? Well the answer is very simple: You need to wait for the Invoice Email and Pay the Credit Card Bill. There is no auto pay feature with the Advanzia Gebührenfrei credit card, so you need to be very careful not to miss the deadline.
Advanzia Credit Card Review
Why paying the Advanzia Credit Card bill might be difficult
Some people forget that this is a credit card and this doesn’t give you free money. To use this credit card properly you need to understand the billing cycle.
Advanzia Credit Card Billing Cycle
The billing cycle of Advanzia Mastercard Gold credit card starts from 3rd of each month and ends the 2nd of the next month, and the deadline to pay each billing cycle month is the 20th of next month.
For example, the billing cycle for October starts on 3. October till 2nd November. The credit card statement is sent by email on the 3 November, and the deadline for payment would be 20th November.

Advanzia Credit Card Interest Free Period
Between the billing cycle and the deadline day you can have an interest free payment. For example if you used your credit card to buy something on 30th October, this purchase will be in the October billing cycle and you will have until 20th November to repay this amount without paying an interest on it.
So depending on when you make your card purchase, you will have between 20 days and 47 days interest-free period to make the payment

Cash withdrawal with Advanzia Gebührenfrei
You can withdraw Cash with your Gebührenfrei Credit card but Cash Withdrawals using Advanzia Mastercard Gold are treated differently. Here interest on cash withdrawal using credit cards are due immediately. So, the interest on cash withdrawal will be applicable from the first day.
In addition to cash withdrawal, you can also use this Free Credit Card in Germany to transfer funds from the Credit Card to your bank account.
This can be done through bank transfer option in the app. The transfer limit for regular bank transfer will be again based on your credit limit. Similar to cash withdrawal, bank credit transfer will also incur interest from the second you make the transfer.

Paying Advanzia Credit Card Bill invoice
To pay the advanzia credit card bill , you first need to wait for the invoide. On the 3rd of Each month you will get an email similar to this one

You will also get a invoice as well in the attachement. This will have details with you can use to pay pay your credit card bill using manual bank transfer.
Each month, you must take the initiative to transfer funds from your bank account to pay your Advanzia Credit Card Bill. This is not done automatically, so be sure to transfer the funds on time.
To ensure no interest charges are incurred, make the transfer online at least two business days prior to the due date.
With every invoice, you’ll see a minimum payment amount listed. This amount depends on how much of your credit limit you’ve used. The minimum is the least you have to pay, but if you don’t pay the rest, interest will start to add up.
I always make sure to pay the full amount at least a week before the due date, and ideally, I pay on the same day I get the invoice. This way, I don’t have to pay any interest on my credit card usage.
Related Guide: Learn how to increase Advanzia Credit Card Limit
Gebührenfrei Credit Card Interest Rate
The interest rate of the Advanzia Gebührenfrei Credit Card is 24.69% per year. This interest applies if you don’t pay your invoice in full. For cash withdrawals and bank transfers, interest starts right away. There is no interest-free period for these transactions.
Gebührenfrei Interest Calculations
Let’s do some interest calculations. To find out approximately how much interest you’ll be charged, you can use this formula:
(balance x interest rate x number of days) / 365
For example, if your balance is €1,000 and you carry it for 30 days over the interest free period , the interest would be:
(€1,000 x 24.69% x 30) / 365 = €20.30
So, you’d have to pay €20.30 in interest for carrying a €1,000 balance for 30 days after the due date.
You must pay the Advanzia Credit Card Bill, or else
At least the minimum payment for the Advanzia credit card must be paid each month. Make sure you pay it within the deadline, otherwise you will risk Advanzia Cancelling your credit card.
If your Advanzia Credit Card is cancelled, and you have any outstanding balance then you will have to pay the bill in full. If you do not have the money or are slow to pay, they can send a debt collecting firm which will destroy your Schufa Score.
So if you want to pay your Advanzia Bill, you must be proactive and pay the bill at least 4-5 days before the deadline and avoid serious problems!
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Disclaimer: None of the content in this article is meant to be considered as investment advice, as I am not a financial expert and am only sharing my experience. The information is based on my own research and is only accurate at the time of posting this article but may not be accurate at the time you are reading it.