No annual fees : There is no annual fee for having the YOU Card. You will also not have to pay fees for using it abroad, which is very beneficial for those who travel frequently. You will also not pay issuance, maintenance, cancellation or renewal fees, as well as currency exchange fees. Fee for payments outside the SEPA (): An additional fee is charged if you make payments outside the SEPA area. Some members of this area are Spain, France, Germany, Italy, Netherlands, Portugal, Belgium, Greece, etc.
Grace period of up to 7 weeks : if you pay iceland phone number library the full balance before the due date Slow activation process : According to some users' experience, the card activation process may take longer than expected and be a bit complicated.
You don't need to change banks : which allows you to have the card and keep your original account, thus avoiding all the paperwork involved in switching from one bank to another. Late payment fees : If you do not pay on time, late fees and increased interest apply.
It is an international credit card : so you can use it all over the world. It does not have a rewards program : unlike other cards, it does not offer rewards or points for purchases made.
Excellent customer service : 24 hours a day, 7 days a week and through different channels (toll-free numbers and via email). To date, there is still no app for the YOU Card. The YOU card does not have physical offices : therefore all management is done through its web platform or customer service. This can be an advantage for digital users, but a disadvantage for those who prefer face-to-face contact.
Convenience of online payments : allows you to make payments and purchases online in a simple and secure way
No fees for currency exchanges within the Eurozone : transactions within the Eurozone do not generate additional costs
Purchase insurance : You will have purchase insurance included, so all the products and services you pay for with it will be protected. It also includes travel insurance, but it is a bit limited.