@Europoor Thanks for the nice overview and assessment, very valuable 💎 Finally a constructive analysis of Vivid 😄
•
11
•
@Maksym Do you use the account yourself?
••
@Europoor No, not yet. But I've been evaluating a few times if it's something for me 😄 Somehow I always feel like I'm missing out on some money by not using the cashback program. Everything else I hardly need actually. The problem I have - I use VISA Gold from Consorsbank and pay 60€ per year for it. However, I usually recoup this money through my many transactions. There is vei the Consorsbank 10 cents per transaction when using the VISA Gold, up to a total of 5€ per month back. So comes out to exactly the 60€. Not sure I would recover that 60€ through Vivid either. And I don't like that you somehow feel "forced" to take care of the cashback program to earn something from it. After all, Cashvack is not available everywhere and often at different stores. So you have to adjust your habits, which I have little desire to do. Conclusion: I'll stick with my VISA Gold for now 😄
•
11
•@Maksym you don't have to get anything because the card itself costs nothing. That's where I would see the difference.
•
11
•@Europoor Need my VISA Gold, but still. Could now earn up to 15€ per month by switching - up to 20€ cashback from Vivid minus 5€ fee for the Gold card. But somehow it's too much effort for too little money 😅 If Vivid would not cap at 20€ per month, then you could still consider it 😬
••
@Maksym Do not know now whether the Visa Card Gold can still something special, there would be enough free alternatives, if it is especially about the credit limit.
••
@Europoor With VISA Gold you get smartphone insurance, some travel insurance (health, baggage, cancellation) and merchandise insurance up to 500€. In addition, there are no fees for currency exchange and the exchange rate is always very good. For me, the 60€ per year is definitely worth it, and you mostly get reimbursed by 10 cents per transaction, as already mentioned 😬
••
@Maksym Well, that's what you get with free cards, especially since the insurance companies usually have a couple of asterisks.
••
@Europoor That's true, I haven't read through the conditions completely and compared them with other offers, I admit, but who does that voluntarily anyway? 😄 If you know a free real credit card with the same conditions (especially around currencies), which also debits the money itself monthly, then give it to me 😁
••
@Maksym Advanzia is available with direct debit variants and Hanseatic for foreign withdrawals.
•
11
•@Europoor I look at times, thank you
••