What is left each month?The same calculation banks do with your bank statement – just beforehand, and just for you.Read onWhich card is realistic? – Five details – an honest assessment of which card route is realistic today (debit, prepaid, credit limit) and what opens the next step. Free, no sign-up.How serious is the situation really? – Enter income, expenses and instalments – an honest assessment with debt ratio, free income and next steps. If serious: free debt counselling first.The card comes through your report. – Which card is realistic today, how the limit grows over twelve months and what issuers really see. FIAON prepares — the bank decides on card and limit.First know, then act. – Twenty free calculators, checkers and letter generators on SCHUFA, credit files, debt collection and loans: deletion request, deadlines, debt plan.