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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       The Securities Exchange Act of 1934


Date of Report (Date of earliest event reported): November 30, 1999

                                  Advanta Corp.
             (Exact name of registrant as specified in its charter)


                                                             
           Delaware                         0-14120                    23-1462070
 (State or other jurisdiction           (Commission File             (IRS Employer
      of incorporation)                     Number)                Identification No.)

Welsh and McKean Roads, P.O. Box 844, Spring House, PA                     19477
         (Address of principal executive offices)                        (Zip Code)



Registrant's telephone number, including area code: (215) 657-4000
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Item 5.           Other Events

On November 30, 1999 Advanta Corp. (the "Company" or "Advanta") provided
earnings guidance for its 2000 fiscal year and demonstrated some of its new
tools and Internet capabilities at a meeting in New York today with analysts and
investors. Based on factors described below, the Company expects its 2000 fiscal
year earnings per diluted share to be approximately $2.75.

In 2000, Advanta plans to grow its managed receivables by 10% to 20%. In
addition, the Company plans to increase margins and realize further operating
efficiencies. Further, Advanta expects to continue to improve operating cash
flow. The Company anticipates a total charge-off rate in 2000 of between 1.7%
and 2.0%. As a result, pre-tax returns on managed receivables are expected to
improve in 2000 by 20 bps to 30 bps compared to pro forma 1999 operating
results.

Dennis Alter, Chairman and Chief Executive Officer, stated, "Advanta is
positioned advantageously in the shifting marketplace for financial services.
The way people live, work and manage their money is changing. Advanta, with its
focus on non-conforming mortgages, small business credit and small ticket
leasing, perfectly fits the changes in the market caused by the increasing
demand for non-conforming debt, the rapid growth in small business formation,
and the SoHo and Free Agent phenomena. Advanta has always focused on these
customers and can now capitalize on the expanding potential customer base and
the growing opportunities to partner with other businesses serving these
markets. This will create long-term value for our shareholders."

At the meeting, Advanta demonstrated its Advanta Intelligent Mortgage System, or
"AIMS," an automated non-conforming mortgage decision engine. Bill Rosoff,
President, said, "AIMS provides loan officers with the full range of loans for
which a particular customer qualifies within seconds while the loan officer
remains on the phone with the customer. The system will enable us to greatly
increase our conversion of calls to closed loans."

Advanta also demonstrated Advanta Business Card's Internet capabilities,
including online instant decisioning and cardholder customer service and
reported on its current eCommerce tools at Advanta Mortgage, Advanta Leasing and
Advanta National Bank. The Company also discussed eCommerce initiatives underway
for rollout in the first and second quarters of 2000.

Advanta also indicated that retail originations for October improved over
September volumes to $118.9 million. Current origination volumes in November
continued to improve over October levels.

Advanta (http://www.advanta.com) is a highly focused financial services company
with over 2,500 employees, approximately $12.2 billion in managed assets and
approximately $10.5 billion in assets serviced for third parties. Advanta
provides consumers and small businesses with
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innovative products and services including mortgages, equipment leases, business
credit cards, insurance and deposit products. The Company is also one of the
largest servicers of non-conforming mortgages for third parties in the country.

This Current Report on Form 8-K contains forward-looking statements that are
subject to certain risks and uncertainties that could cause actual results to
differ materially from those projected. The most significant among these risks
and uncertainties are: (1) the Company's managed net interest margin; (2)
factors that affect consumer debt; (3) competitive pressures; (4) the level of
delinquencies and charge-offs; (5) the rate of prepayments; (6) interest rate
fluctuations; (7) the level of expenses; (8) managed and sub-serviced
receivables volume; (9) the timing of the securitizations of the Company's
receivables; (10) the effects of government regulation; (11) relationships with
significant vendors and customers; (12) the amount and cost of financing
available to the Company; and (13) the ratings on the debt of the Company and
its subsidiaries. Additional risks that may affect the Company's future
performance are detailed in the Company's filings with the Securities and
Exchange Commission, including its most recent Annual Report on Form 10-K and
its Quarterly Reports on Form 10-Q.
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Form 8-K                           Advanta Corp.
November 30, 1999


                                   SIGNATURES


         Pursuant to the requirements of the Securities Exchange Act of l934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.



                              Advanta Corp.


                              By: /s/ Elizabeth H. Mai
                                  Elizabeth H. Mai, Senior Vice President,
                                  Secretary and General Counsel


November 30, 1999