Homeless people can apply for credit cards

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How does an ICS Visa credit card work?

With an ICS Visa credit card you can pay at over 30 million acceptance points worldwide. This makes the Visa credit card the most widely accepted credit card in the world. You pay with your signature or by entering your PIN. For example, you can use your ICS Visa credit card to pay:

  • Restaurants
  • Hotels
  • Online purchases
  • clothing
  • Refueling
  • Parking fees
  • cinema tickets
  • Jewelry, watches and electron. equipment
Your ICS Visa credit card is accepted as a method of payment almost everywhere abroad.
Read more about the advantages of the ICS Visa credit card.

Can I apply for an ICS Visa credit card with any German bank account?

Yes, the application for your ICS Visa credit card is independent of your existing current account.

How can I find out the current balance of my credit card?

We will be happy to inform you of your balance on 0211 - 69152666 from Monday to Friday from 9:00 a.m. to 5:00 p.m. The easiest way is to register in our meinICS online portal so that you can always have an overview of your current credit limit and your card transactions. You will then only receive your monthly invoice online and no longer by post. After registering, you can also download our "ICS Cards" app from the Apple App Store or Google Play Store.

Can I also pay back the outstanding balance on my credit card in installments?

Of course. You only have to pay 2.5% of the outstanding balance per month, at least € 20 via bank transfer or SEPA direct debit. If you are paying by direct debit, please inform us of the change in your payment request.

How can I cancel my credit card?

Please send your cancellation in writing to:
International Card Services B.V.
Office Germany
P.O. Box 350124
40443 Düsseldorf

I would like to transfer money from my credit card to my current account (reference account). How does this work?

No problem, of course we can do it for you on 0211 - 69152666. The minimum amount for transfers is 150 euros. We charge a fee of EUR 3.50 for each transfer. Transfers from the credit are free of charge and without a minimum amount.

Why am I not receiving credit card statements in the mail?

You have registered for our meinICS online service so that you have online access to your credit card statements and current sales at any time. An invoice will no longer be sent to you by post.

I moved houses. How can I communicate my new address?

Please send us your new address details by post to:
International Card Services B.V.
Office Germany
P.O. Box 350124
40443 Düsseldorf

What are the International Card Services bank details?

Bank: BNP Paribas S.A. Office Germany
Recipient: International Card Services
IBAN: DE07 3701 0600 1100 6011 97
Please enter your credit card account number as the intended purpose.

What is the International Card Services address?

International Card Services B.V.
Office Germany
P.O. Box 350124
40443 Düsseldorf

What are the current contact details for an out-of-court dispute resolution?

German Bundesbank
Arbitration Board
P.O. Box 11 12 32
60047 Frankfurt am Main.
Online: www.bundesbank.de

Federal Financial Supervisory Authority
Graurheindorfer Strasse 108
53117 Bonn
Lurgiallee 12,
60439 Frankfurt
Online: www.bafin.de

Online dispute resolution of the European Union
The European Union has set up an online platform ("OS platform") that you can contact for out-of-court settlement of consumer disputes. You can find the platform at https://ec.europa.eu/consumers/odr/.

Why am I charged additional fees for cash withdrawals?

The ATM operators may charge additional fees for using the ATM. ICS has no influence on this. ICS does not reimburse these fees.

Can't find your question?

Please call ICS customer service on 0211 - 69 15 26 66 Monday to Friday from 9:00 a.m. to 5:00 p.m.

More information about ICS