Luxembourg-based Advanzia Bank opened for business 18 years ago as a monoline credit card issuer. Today, it has 2.2 million customers in Germany, France, Spain, Italy, Austria and Luxembourg. When Advanzia offers credit cards directly to consumers and businesses, it creates distinct names for its products in each country. When it issues cards with co-brand partners, they carry only the partner’s name. The company also provides white-label turnkey programs to small financial institutions that want to have their own branded card program. Credit card accounts are available in the following c...