The credit card waiting at the end of your credit file.
An entry is not a verdict. FIAON explains every entry in your credit report, 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 credit assessment from your bank statements; the data copy you request yourself, 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 and your credit assessment
FIAON Start, Pro, Ultra and High End in twelve monthly instalments, cancellable monthly thereafter. Every plan starts with your credit assessment — for new plan customers it is included; on its own it costs €149 one-off. The difference is how much FIAON takes on afterwards. The bank always decides on account and card.
Honest comparison
A score app shows a number, a lawyer charges by the hour, FIAON explains every entry of your report, 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 do I get my credit report?
You are entitled to your data copy from SCHUFA, KSV or CRIF free of charge. You request it yourself — our free generator writes the letter. Upload it and your plan explains every entry.
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 bank transfer. After the twelfth we ask whether you want to stay. The credit assessment on its own costs €149 one-off, with a running plan €74; for new plan customers it is included in the plan.
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. In Austria the bureaus are KSV1870 and CRIF, in Switzerland CRIF and Intrum — you request your data copy there yourself, we explain it. 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; your credit assessment is built from them. The credit assessment is not a report from a credit bureau and not a credit score. You can request your free data copy yourself at any time — upload it and we will include it.
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.