The renaming of the V.A.G Kredit Bank GmbH into "V.A.G Bank GmbH" signals the move into the direct banking business, which takes its place next to the classic dealership and customer financing activities. In November 1990, it offers in conjunction with the Volkswagen/Audi Card System for the first time in Germany both leading credit cards, EUROCARD and VISA, in a single package. The product portfolio of Volkswagen's financial services subsidiary, which is renamed "Volkswagen Bank GmbH" on December 14, 1994 and is successively expanded to include installment plans for external customers and AutoCredit, which would be introduced in 1995. The low monthly payment plan carries the option of returning the vehicle at the end of the contract period, making the final payment of contract or renewal. In 1999, Volkswagen Bank expands its operations further providing mortgages and investment fund services.