The credit card waiting at the end of your credit file.

An entry is not a verdict. FIAON obtains your report, explains every entry, has challengeable ones deleted — and then opens the door: a current account straight away, a credit card as soon as your file supports it.

Four stages, one goal

Nobody gets a card because they apply for it; they get it because their file supports it.

  • Insight: your report within 24 hours, every entry explained
  • Action: deletion requests, objections and instalment agreements — reviewed, approved by you, sent by registered post
  • Account: a current account for every customer, regardless of the file
  • Card: FIAON calculates your readiness and prepares the application with the card partner

Four plans, one credit report

FIAON Start, Pro, Ultra and High End in twelve monthly instalments, cancellable monthly; just the credit report as a one-off. Every plan starts with your report; the difference is how much FIAON takes on afterwards. The bank always decides on account, card and limit.

Honest comparison

A score app shows a number, a lawyer charges by the hour, FIAON obtains the report within 24 hours, sends the letters by registered post, prepares the account and the path to a card — with a person who knows your file.

Frequently asked questions

Am I guaranteed a credit card?

No — the bank decides on card and limit. What FIAON does: put your file in order, calculate your readiness and prepare the application when it is realistic. Every customer gets a current account.

How quickly do I see my report?

Usually within 24 hours of activation. FIAON makes the request to SCHUFA, KSV or CRIF with your authorisation — you fill in no forms.

What happens if an entry is justified?

Then we say so. Justified entries disappear once the claim is settled and the deadline expires — since 2024 already after 18 months if you pay within 100 days of the report. FIAON helps with instalment agreements and the settled marker.

What does it cost — and how long am I tied in?

Plans from €7.99 a month, twelve instalments by direct debit. After the twelfth we ask whether you want to stay. Just the report: €74.00 one-off.

Can I change the plan later?

Yes — directly in the application, and in the onboarding call we check together whether it fits.

Does this also apply in Austria and Switzerland?

Yes. FIAON works with KSV1870 and CRIF (Austria) and with CRIF and Intrum (Switzerland). The rights under the GDPR and the Swiss DSG are comparable, the deadlines differ — we know both.

What does FIAON need from me?

Only a few details for the application. Then your ID and bank statements for the last three months — a phone photo is enough. FIAON obtains the report.

How do I reach my contact person?

In your area, by e-mail, by phone — and for many customers by WhatsApp. Every question lands with the person who knows your file.