{"id":21495,"date":"2023-08-31T00:00:00","date_gmt":"2023-08-31T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/prets-101-les-faits-sur-les-differentes-options-de-credit\/"},"modified":"2024-05-14T14:06:58","modified_gmt":"2024-05-14T14:06:58","slug":"prets-101-les-faits-sur-les-differentes-options-de-credit","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/prets-101-les-faits-sur-les-differentes-options-de-credit\/","title":{"rendered":"Pr\u00eats\u00a0101\u00a0: les faits sur les diff\u00e9rentes options de cr\u00e9dit"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\">\n\t\t\t\t\t\t\t<span>Finances personnelles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Pr\u00eats\u00a0101\u00a0: les faits sur les diff\u00e9rentes options de cr\u00e9dit<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Amanda Reaume<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-31T144319.990.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Femme dans une \u00e9picerie, payant avec sa carte de cr\u00e9dit\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-31T144319.990.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-31T144319.990.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-31T144319.990.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Pr\u00eats\u00a0101\u00a0: les faits sur les diff\u00e9rentes options de cr\u00e9dit &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/prets-101-les-faits-sur-les-differentes-options-de-credit\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/prets-101-les-faits-sur-les-differentes-options-de-credit\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 31 ao\u00fbt 2023 \u2022 5 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Le cr\u00e9dit joue un r\u00f4le important dans les finances de chacun. Il permet, en effet, d\u2019acc\u00e9der \u00e0 un financement lorsque cela est n\u00e9cessaire pour r\u00e9pondre \u00e0 un besoin. Qu\u2019il s\u2019agisse d\u2019acheter une voiture, de faire face \u00e0 une urgence financi\u00e8re ou simplement de g\u00e9rer des achats du quotidien, il est important de conna\u00eetre les avantages des diff\u00e9rents types de cr\u00e9dit pour choisir le meilleur produit en fonction des circonstances ou des besoins qui se pr\u00e9sentent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00eats aux particuliers<\/h2>\n\n\n\n<p>Les pr\u00eats aux particuliers constituent la solution id\u00e9ale pour les d\u00e9penses importantes, telles que la r\u00e9novation domiciliaire, l\u2019achat d\u2019une voiture ou la consolidation de dette. En contractant un pr\u00eat personnel, l\u2019emprunteur b\u00e9n\u00e9ficie d\u2019un montant de cr\u00e9dit forfaitaire pr\u00e9d\u00e9fini. Ainsi, il acc\u00e8de d\u2019embl\u00e9e \u00e0 la totalit\u00e9 du montant du financement approuv\u00e9.<\/p>\n\n\n\n<p>Les pr\u00eats aux particuliers offrent de nombreux avantages, notamment&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Termes souples&nbsp;<\/strong>: le terme des pr\u00eats aux particuliers est g\u00e9n\u00e9ralement compris entre 1&nbsp;et 5&nbsp;ans.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Versements moins \u00e9lev\u00e9s&nbsp;<\/strong>: les \u00e9ch\u00e9ances sont habituellement r\u00e9parties sur une p\u00e9riode plus longue, ce qui rend les versements mensuels plus faciles \u00e0 g\u00e9rer.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Uniformit\u00e9&nbsp;<\/strong>: les pr\u00eats aux particuliers sont g\u00e9n\u00e9ralement assortis d\u2019un taux d\u2019int\u00e9r\u00eat et d\u2019un d\u00e9lai de remboursement fixes, ce qui rend leur remboursement pr\u00e9visible et facilite la gestion du budget aff\u00e9rent.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>La seule limite d\u2019un pr\u00eat aux particuliers r\u00e9side dans l\u2019impossibilit\u00e9 d\u2019augmenter la limite de cr\u00e9dit si l\u2019emprunteur a besoin de fonds suppl\u00e9mentaires par rapport \u00e0 la valeur initiale approuv\u00e9e du pr\u00eat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Marge de cr\u00e9dit<\/h2>\n\n\n\n<p>La marge de cr\u00e9dit est un excellent instrument financier que vous pouvez inclure dans votre bo\u00eete \u00e0 outils. Les particuliers y ont souvent recours pour g\u00e9rer leurs d\u00e9penses personnelles, faire face \u00e0 des urgences ou b\u00e9n\u00e9ficier de taux d\u2019int\u00e9r\u00eat r\u00e9duits en transf\u00e9rant les soldes des cartes pr\u00e9sentant des taux plus \u00e9lev\u00e9s.<\/p>\n\n\n\n<p>Une marge de cr\u00e9dit peut apporter les avantages suivants&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Souplesse&nbsp;<\/strong>: l\u2019utilisateur a acc\u00e8s aux fonds quand il le souhaite, \u00e0 concurrence de sa limite de cr\u00e9dit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Limite de cr\u00e9dit plus \u00e9lev\u00e9e&nbsp;<\/strong>: souvent offerte si vous choisissez de garantir votre marge de cr\u00e9dit \u00e0 l\u2019aide d\u2019un actif tel que votre maison ou votre portefeuille de placements.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Acc\u00e8s au cr\u00e9dit disponible&nbsp;<\/strong>: lorsque la marge de cr\u00e9dit est rembours\u00e9e, le cr\u00e9dit disponible redevient accessible.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Taux d\u2019int\u00e9r\u00eat variable :<\/strong>&nbsp;cela peut s\u2019av\u00e9rer avantageux lorsque les taux d\u2019int\u00e9r\u00eat sont bas.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Options de remboursement souples et versements r\u00e9duits&nbsp;<\/strong>: une marge de cr\u00e9dit vous permet de rembourser le solde int\u00e9gral \u00e0 tout moment sans p\u00e9nalit\u00e9s, et d\u2019\u00e9conomiser ainsi sur les int\u00e9r\u00eats, sachant que le versement mensuel minimal peut \u00e9galement se limiter aux int\u00e9r\u00eats.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Bien qu\u2019une marge de cr\u00e9dit offre de nombreux avantages, il est important de conserver de bonnes habitudes de consommation, car la disponibilit\u00e9 de l\u2019acc\u00e8s au cr\u00e9dit peut amener \u00e0 faire des d\u00e9penses excessives.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cartes de cr\u00e9dit<\/h2>\n\n\n\n<p>\u00c0 l\u2019heure actuelle, les cartes de cr\u00e9dit repr\u00e9sentent l\u2019un des outils financiers les plus courants et pratiques. Utilis\u00e9es pour les achats quotidiens de produits et de services, elles offrent les avantages suivants aux clients&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>S\u00e9curit\u00e9&nbsp;<\/strong>: la possibilit\u00e9 de payer vos achats avec une carte vous \u00e9vite de devoir transporter de grosses sommes en liquide.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Aspect pratique&nbsp;<\/strong>: les cartes de cr\u00e9dit permettent \u00e0 leur titulaire de faire des achats rapidement et facilement, souvent par simple effleurement, en fonction du prix de l\u2019achat.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Commodit\u00e9&nbsp;<\/strong>: la plupart des cartes de cr\u00e9dit \u00e9tant accept\u00e9es dans tous les pays, leurs titulaires peuvent voyager et les utiliser \u00e0 l\u2019\u00e9tranger sans interruption.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Malgr\u00e9 son aspect pratique et la souplesse qu\u2019elle procure, la carte de cr\u00e9dit doit \u00eatre g\u00e9r\u00e9e de mani\u00e8re responsable. En effet, la plupart des cartes de cr\u00e9dit sont assorties de taux d\u2019int\u00e9r\u00eat plus \u00e9lev\u00e9s que les marges de cr\u00e9dit ou les pr\u00eats aux particuliers, et peuvent m\u00eame comporter des frais annuels. Le fait de r\u00e9gler chaque mois l\u2019int\u00e9gralit\u00e9 du solde de carte de cr\u00e9dit permet d\u2019\u00e9viter les frais d\u2019int\u00e9r\u00eat.<\/p>\n\n\n\n<p>Que vous souhaitiez faire un achat important, acheter une nouvelle voiture, r\u00e9nover votre maison, emprunter pour investir ou consolider votre dette, nous avons une solution de cr\u00e9dit qui convient \u00e0 vos besoins et \u00e0 votre budget.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Vous souhaitez d\u00e9couvrir les options de cr\u00e9dit dont vous pouvez b\u00e9n\u00e9ficier\u00a0? Consultez d\u00e8s aujourd\u2019hui les\u00a0<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">Pr\u00eats et marges de cr\u00e9dit<\/a>\u00a0RBC\u00a0!<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Pr\u00eats\u00a0101\u00a0: les faits sur les diff\u00e9rentes options de cr\u00e9dit &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/prets-101-les-faits-sur-les-differentes-options-de-credit\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/prets-101-les-faits-sur-les-differentes-options-de-credit\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1bd5fe6a-968f-46d7-8568-8566faec66de\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme tapant sur un ordinateur lors de la r\u00e9vision d\u2019un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/conseils-fiscaux-moyens-pour-le-contribuable-de-proteger-ses-donnees\/\" class=\"card-title h4 mar-t-0\">Conseils fiscaux : moyens pour le contribuable de prot\u00e9ger ses 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primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/securite-numerique-et-escroqueries-comment-vous-proteger-en-ligne\/\" class=\"card-title h4 mar-t-0\">S\u00e9curit\u00e9 num\u00e9rique et escroqueries : comment vous prot\u00e9ger en ligne<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-1bd5fe6a-968f-46d7-8568-8566faec66de {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1bd5fe6a-968f-46d7-8568-8566faec66de {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Conna\u00eetre les types d\u2019options de cr\u00e9dit vous aidera \u00e0 d\u00e9terminer si l\u2019un vous convient.<\/p>\n","protected":false},"author":112,"featured_media":21496,"parent":6559,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[130],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[270],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,95,46],"class_list":["post-21495","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-finances-personnelles","rbc_content_type-article","rbc_lob_group-financement-auto","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-comprendre-les-prets","rbc_mmm_category-credit-t-et-emprunt"],"acf":{"contently_publication_id":"360252","custom_author":"Amanda 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