MasterCard credit cards from gebuhrenfrei.com

I was just sent a credit card with my name on it, from gebuhrenfrei.com, in cooperation with Advanzia, which is a Luxemburg Bank (apparently). The info says that they don't charge anything for anything pretty much, other than an effective yearly rate of 19,94% on purchases no paid off within 7 weeks, and 25,9% for cash advances. Other than these high %s, does anybody know if there are any other hitches? I just can't bring myself to read the small (German) print. Anybody else get one of these in the mail? Thanks

You were sent a credit card you didn't apply for?

It happens a lot, Air Berlin sent one to my daughter. It's not valid until you activate it, by proving who you are through a special form you take to the post office.
Signing up for something you either can't or can't be bothered to read the conditions of, is asking for trouble.

Know someone who was sent one also without requesting it, who sent it back, (also know someone who was sent 2(!) CCs from ADAC w/o request). From what we've read, it's your responsibilty to transfer the money on a regular base, Advanzia will not come and get the money out of your account, so if you miss to pay back in time, the 19 something will be applied. Also they claim it's a Gold card, but have to write Gold onto the card since it's actually brown... Dunno if it's a real credit card, but if you're just looking for a charge card like a MasterCard with monthly payback, there could be some better offers like the one from Happy Digits https://www.happydigits.de/hdmain/hd/extras...karte/index.jsf

I actually have one of these, as they sent it to me out of the blue last year and I didn´t have a European credit card so I took it. I only use it for online purchases and it has a small limit, so I pay it off every month. Its not too bad.