{"id":316,"date":"2014-04-01T14:36:01","date_gmt":"2014-04-01T13:36:01","guid":{"rendered":"http:\/\/bestfinance.ch\/?p=316"},"modified":"2021-03-15T14:20:24","modified_gmt":"2021-03-15T13:20:24","slug":"les-cartes-de-credit-pratiques-mais-cheres","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/kreditkarten-praktisch-aber-teuer-3\/","title":{"rendered":"LES CARTES DE CR\u00c9DIT: PRATIQUES MAIS CH\u00c8RES"},"content":{"rendered":"

Les banques de cartes de cr\u00e9dit facturent des int\u00e9r\u00eats de retard et de cr\u00e9dit lorsqu'un client paie sa facture mensuelle en retard ou ne paie qu'une partie de la dette. Les banques de cartes facturent des taux d'int\u00e9r\u00eat annuels pour les int\u00e9r\u00eats cr\u00e9diteurs et les int\u00e9r\u00eats moratoires compris entre 1,5 et 2,5 %. 9.5% et 15%<\/strong>.<\/p>\n

Les m\u00e9thodes de calcul des int\u00e9r\u00eats varient consid\u00e9rablement, sont souvent peu transparentes et peu compr\u00e9hensibles. Dans certains cas, ils calculent \u00e9galement les int\u00e9r\u00eats sur la dur\u00e9e, c'est-\u00e0-dire m\u00eame pour les montants partiels qui ont \u00e9t\u00e9 pay\u00e9s \u00e0 temps.<\/p>\n

Attention aux retraits d'esp\u00e8ces
\nPour les utilisateurs \u00e0 l'\u00e9tranger, il est particuli\u00e8rement important de pr\u00eater attention aux frais li\u00e9s aux devises \u00e9trang\u00e8res. Outre une surcharge de traitement comprise entre 0,9 et 2,5 %, de nombreux fournisseurs de cartes de cr\u00e9dit facturent \u00e9galement des frais de conversion qui repr\u00e9sentent parfois plus de 2 % du montant pay\u00e9. Pour les retraits d'esp\u00e8ces en devises \u00e9trang\u00e8res, il y a des frais suppl\u00e9mentaires pouvant aller jusqu'\u00e0 4 % du montant retir\u00e9.<\/p>\n

\"Nous consid\u00e9rons les cartes de cr\u00e9dit comme un moyen de paiement, pas comme un moyen d'obtenir de l'argent liquide\".<\/strong><\/p>\n

N'utilisez pas du tout l'option de paiement par acomptes, mais payez toujours le montant total du relev\u00e9 de carte de cr\u00e9dit, \u00e9vitant ainsi le paiement d'int\u00e9r\u00eats suppl\u00e9mentaires au taux d'int\u00e9r\u00eat et aux frais les plus \u00e9lev\u00e9s.<\/p>\n

Le risque est grand de d\u00e9penser plus d'argent que vous n'en avez r\u00e9ellement.<\/p>\n

\n

Si vous avez d\u00e9j\u00e0 une ou plusieurs dettes de carte de cr\u00e9dit, nous vous recommandons de les rembourser avec un pr\u00eat. Cela vous permettra d'\u00e9conomiser des int\u00e9r\u00eats et des frais de traitement inutiles.<\/h2>\n

 <\/p>\n

Demander un cr\u00e9dit<\/a><\/p>\n

Sauvegarder l'article en PDF :\u00a0Les cartes de cr\u00e9dit : pratiques mais co\u00fbteuses.pdf\u00a0<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Si vous payez votre facture de carte de cr\u00e9dit et ne transf\u00e9rez que le montant partiel minimum, vous risquez de devoir payer des int\u00e9r\u00eats extr\u00eamement \u00e9lev\u00e9s.<\/p>","protected":false},"author":2,"featured_media":275,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Vorsicht: Teure Zinsen bei Kreditkarten!","_seopress_titles_desc":"Erfahren Sie, wie Zinsen und Geb\u00fchren bei Kreditkartennutzung schnell ansteigen k\u00f6nnen.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-316","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/316","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/comments?post=316"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/316\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media\/275"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media?parent=316"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/categories?post=316"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/tags?post=316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}