Transcard Financial Services EAD (TFS) is a financial institution, the issuer of credit cards with the logo of Transcard – the first Bulgarian credit cards’ brand. TFS is one of the leaders in the Bulgarian credit cards sector. The company is a part of Petrol Holding AD, a major business structure in this country.
TFS issues credit cards for domestic use under Transcard brand and international credit cards under Transcard MasterCard and Transcard JCB brands. All credit cards issued by TFS are with a revolving credit, up to 45-day interest free period and up to 10% cash back on purchases in Bulgaria.
TFS issues credit cards to clients with a good creditworthiness and net monthly income above the average salary in Bulgaria. The company takes its credit decisions using analytical tools and scoring models provided by Experian, the global leader in this area.
