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New company in the comparison. The basic metrics were measured with the same formula as for the others (84.2 / 100). The total score is 56.1 and the rank 5.
Each row was checked on 18.10.2026 from public sources. The same formula for everyone, read the full methodology.
| Loan interest margin | 24 p × 0.0% | 0.0 |
| Card monthly fee | 14 p × 100.0% | 14.0 |
| Interest-free payment period | 12 p × 0.0% | 0.0 |
| Basic metrics | 50 % × 84,2 | 42.1 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Loan interest margin NOTEThe reference rate of 2.5% is fixed 1.7.–31.12.2026, not 3-month Euribor. | Margin 15% + reference rate 2.5% (nominal interest rate 17.50%) | gfcard.fi checked 18.10.2026 | 0.0 / 24 |
| Card monthly fee NOTECredit management fee 0.01% per day, maximum 150 € per year. | No monthly or annual fee | gfcard.fi checked 18.10.2026 | 14.0 / 14 |
| Interest-free payment period | An interest-free payment period is not mentioned on the pages credit card, virtual credit card, all credit terms or customer support. It is a continuous credit where interest accrues after withdrawal. | gfcard.fi, virtual credit card · gfcard.fi, credit card checked 18.10.2026 | 0.0 / 12 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 83,7 | 25.1 |
| Transparency | 30 % × 90,0 | 27.0 |
| Reachability | 20 % × 90,0 | 18.0 |
| AI quality score | 20 % × 70,7 | 14.1 |
Bonuses and detailed metrics: methodology.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +18.9 points: 56.1 → 75.0, rank 5 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.