{"id":34448,"date":"2024-05-01T22:07:00","date_gmt":"2024-05-01T22:07:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=34448"},"modified":"2025-10-17T19:45:26","modified_gmt":"2025-10-17T19:45:26","slug":"comment-etablir-un-dossier-de-credit-aux-etats-unis","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-cartes\/comment-etablir-un-dossier-de-credit-aux-etats-unis\/","title":{"rendered":"Comment \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis \u00a0"},"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\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/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\">Comment \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis \u00a0<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/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=\"1024\" height=\"695\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-1416048929.webp?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-1416048929.webp 2048w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-1416048929.webp?resize=300,203 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-1416048929.webp?resize=768,521 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-1416048929.webp?resize=1024,695 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-1416048929.webp?resize=1536,1042 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=Comment \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis \u00a0 &#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-cartes\/comment-etablir-un-dossier-de-credit-aux-etats-unis\/\">\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-cartes\/comment-etablir-un-dossier-de-credit-aux-etats-unis\/\">\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 1 mai 2024 \u2022 8 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>Si vous \u00eates Canadien et que vous pr\u00e9voyez passer du temps aux \u00c9tats-Unis, que ce soit ponctuellement, de mani\u00e8re permanente ou m\u00eame temporairement, il peut \u00eatre utile d\u2019<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/how-to-start-building-your-u-s-credit-as-a-canadian\/\" class=\"rbc-link-format\">\u00e9tablir un dossier de cr\u00e9dit<\/a> aux \u00c9tats-Unis. Voici pourquoi c\u2019est important et par o\u00f9 commencer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-etablir-un-dossier-de-credit-aux-etats-unis\">Pourquoi \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis? &nbsp;<\/h2>\n\n\n\n<p>Aux \u00c9tats-Unis comme au Canada, la cote de solvabilit\u00e9 est un \u00e9l\u00e9ment crucial de votre situation financi\u00e8re. Si une bonne cote de solvabilit\u00e9 peut vous aider \u00e0 \u00e9conomiser de l\u2019argent sur des produits essentiels du quotidien comme l\u2019assurance et le forfait de t\u00e9l\u00e9phonie cellulaire, son principal avantage est de vous permettre d\u2019emprunter de l\u2019argent plus facilement. En effet, une bonne cote de solvabilit\u00e9 signale aux pr\u00eateurs que vous \u00eates un emprunteur fiable qui remboursera probablement ses dettes \u00e0 temps.&nbsp;<\/p>\n\n\n\n<p>Par exemple, si, par la suite, vous cherchez \u00e0 acheter un bien aux \u00c9tats-Unis, vous obtiendrez plus facilement un pr\u00eat hypoth\u00e9caire si vous disposez d\u2019un dossier de cr\u00e9dit am\u00e9ricain. Certains pr\u00eateurs tiendront compte de votre cote de solvabilit\u00e9 canadienne au moment de <a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-mortgages.html?promo_name=ENT_Cross-Border_DNL&amp;promo_id=205185&amp;promo_position=body&amp;promo_creative=Why%20Canadians%20Should%20Consider%20Building%20a%20U.S.%20Credit%20History&amp;_gl=1*czwhm0*_ga*MTM4MTE5NDU0LjE2OTI4MjE2NTI.*_ga_89NPCTDXQR*MTY5NTI5OTI0OC40MzIuMS4xNjk1Mjk5NDE3LjUzLjAuMA..\" class=\"rbc-link-format\">d\u00e9terminer votre admissibilit\u00e9 \u00e0 un pr\u00eat hypoth\u00e9caire<\/a>, mais le fait de disposer d\u2019un bon dossier de cr\u00e9dit aux \u00c9tats-Unis peut faciliter le processus de demande de pr\u00eat hypoth\u00e9caire et vous permettre d\u2019obtenir un taux d\u2019int\u00e9r\u00eat inf\u00e9rieur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-etablir-un-dossier-de-credit-aux-etats-unis-en-5-etapes\">Comment \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis en 5&nbsp;\u00e9tapes<\/h2>\n\n\n\n<p>Comment <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/how-to-start-building-your-u-s-credit-as-a-canadian\/\" class=\"rbc-link-format\">\u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis<\/a>? Il n\u2019est pas difficile d\u2019obtenir une cote de solvabilit\u00e9 aux \u00c9tats-Unis, mais cela implique quelques \u00e9tapes. Comme il existe plusieurs mod\u00e8les de notation de la solvabilit\u00e9, ou m\u00e9thodes de calcul de la cote de solvabilit\u00e9, il vaut mieux recourir \u00e0 plusieurs moyens pour montrer que vous savez g\u00e9rer votre argent. Voici cinq choses que vous pouvez faire pour \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-demander-un-numero-de-securite-sociale-ssn\">1. Demander un num\u00e9ro de s\u00e9curit\u00e9 sociale&nbsp;(SSN)<\/h3>\n\n\n\n<p>Vous pouvez faire une demande de cr\u00e9dit sans SSN. Toutefois, vous aurez besoin de ce num\u00e9ro pour vous assurer que votre dossier de cr\u00e9dit est complet et qu\u2019il a \u00e9t\u00e9 pr\u00e9sent\u00e9 aux diverses agences d\u2019\u00e9valuation du cr\u00e9dit des \u00c9tats-Unis avec exactitude, ce qui vous permettra \u00e0 terme d\u2019\u00e9tablir votre dossier de cr\u00e9dit. Pour savoir comment obtenir votre SSN, veuillez consulter le site de la <a href=\"https:\/\/www.ssa.gov\/forms\/\" class=\"rbc-link-format\">Social Security Administration<\/a>.<\/p>\n\n\n\n<p>Si vous n\u2019\u00eates pas citoyen des \u00c9tats-Unis, vous devez \u00eatre autoris\u00e9 \u00e0 travailler aux \u00c9tats-Unis pour pouvoir obtenir un SSN.&nbsp; Si vous ne pouvez pas obtenir de SSN, vous pouvez demander un <a href=\"https:\/\/www.usa.gov\/itin\" class=\"rbc-link-format\">num\u00e9ro d\u2019identification de contribuable individuel<\/a>&nbsp;(Individual Taxpayer Identification Number ou ITIN). Il s\u2019agit d\u2019un num\u00e9ro \u00e9mis par l\u2019Internal Revenue Service&nbsp;(IRS) aux personnes qui ne sont pas des citoyens des \u00c9tats-Unis et qui n\u2019ont pas de num\u00e9ro de s\u00e9curit\u00e9 sociale ou qui n\u2019y sont pas admissibles. &nbsp;Bien que les agences d\u2019\u00e9valuation du cr\u00e9dit n\u2019utilisent pas votre ITIN comme identifiant, vous pourrez peut-\u00eatre l\u2019utiliser pour demander une marge de cr\u00e9dit, ce qui peut vous aider \u00e0 \u00e9tablir un dossier de cr\u00e9dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-ouvrir-un-compte-bancaire-aux-etats-unis\">2. Ouvrir un compte bancaire aux \u00c9tats-Unis &nbsp;<\/h3>\n\n\n\n<p>Le fait de disposer d\u2019un compte bancaire aux \u00c9tats-Unis peut ne pas avoir d\u2019incidence directe sur votre cote de solvabilit\u00e9, mais la cr\u00e9ation d\u2019une relation avec une banque am\u00e9ricaine peut d\u00e9montrer une responsabilit\u00e9 financi\u00e8re et vous donner l\u2019occasion de demander une carte de cr\u00e9dit ou une marge de cr\u00e9dit aux \u00c9tats-Unis.&nbsp;<\/p>\n\n\n\n<p>Si vous \u00eates client de la Banque Royale du Canada, c\u2019est tr\u00e8s simple, car vous n\u2019avez pas besoin de r\u00e9sider aux \u00c9tats-Unis, d\u2019avoir une adresse aux \u00c9tats-Unis, ni de disposer d\u2019un num\u00e9ro de s\u00e9curit\u00e9 sociale am\u00e9ricain pour ouvrir un <a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-bank-accounts.html\" class=\"rbc-link-format\">compte am\u00e9ricain \u00e0 la Banque Royale du Canada<\/a> en tant que Canadien. Pour ouvrir un compte, vous devez simplement \u00eatre \u00e2g\u00e9 d\u2019au moins 18&nbsp;ans, vivre au Canada ou aux \u00c9tats-Unis, et avoir un num\u00e9ro d\u2019assurance sociale et une pi\u00e8ce d\u2019identit\u00e9 officielle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-demander-une-carte-de-credit\">3. Demander une carte de cr\u00e9dit &nbsp;<\/h3>\n\n\n\n<p>Une carte de cr\u00e9dit am\u00e9ricaine est \u00e9galement un tr\u00e8s bon point de d\u00e9part pour \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis. En tant que Canadien, vous pouvez demander \u00e0 obtenir <a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-credit-cards.html\" class=\"rbc-link-format\">certaines cartes de cr\u00e9dit am\u00e9ricaines<\/a> sans avoir de dossier de cr\u00e9dit aux \u00c9tats-Unis, car votre dossier de cr\u00e9dit au Canada peut \u00eatre utilis\u00e9 pour v\u00e9rifier si vous \u00eates admissible.&nbsp;<\/p>\n\n\n\n<p>Vous pouvez \u00e9galement choisir une carte de cr\u00e9dit garantie, pour laquelle vous d\u00e9posez une certaine somme en garantie. Le montant de votre d\u00e9p\u00f4t correspond \u00e0 votre limite de cr\u00e9dit; si vous d\u00e9posez 500&nbsp;$, votre limite est de&nbsp;500&nbsp;$. Les cartes de cr\u00e9dit garanties sont g\u00e9n\u00e9ralement plus faciles \u00e0 obtenir que les cartes non garanties. Au fil du temps et apr\u00e8s avoir d\u00e9montr\u00e9 votre capacit\u00e9 \u00e0 rembourser syst\u00e9matiquement vos dettes, vous passez g\u00e9n\u00e9ralement \u00e0 une carte non garantie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-payer-votre-facture-de-carte-de-credit-a-temps\">4. Payer votre facture de carte de cr\u00e9dit \u00e0 temps<\/h3>\n\n\n\n<p>Pour qu\u2019une carte de cr\u00e9dit vous aide \u00e0 \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis, utilisez-la et r\u00e9glez syst\u00e9matiquement votre solde \u00e0 temps. L\u2019historique de paiement est un facteur cl\u00e9 de votre cote de solvabilit\u00e9. Ainsi, en payant \u00e0 temps, vous b\u00e2tissez un dossier de cr\u00e9dit favorable, qui vous permettra potentiellement d\u2019obtenir d\u2019autres formes de cr\u00e9dit plus avanc\u00e9es, comme un pr\u00eat ou un pr\u00eat hypoth\u00e9caire. Toutefois, si vous manquez des paiements, cela sera \u00e9galement consign\u00e9.<\/p>\n\n\n\n<p>Il est \u00e9galement important d\u2019\u00e9viter de laisser les dettes s\u2019accumuler, car votre cote de solvabilit\u00e9 repose entre autres sur votre taux d\u2019utilisation du cr\u00e9dit. Il s\u2019agit du pourcentage de cr\u00e9dit disponible que vous utilisez sur vos cartes de cr\u00e9dit et autres marges de cr\u00e9dit. Les pr\u00eateurs s\u2019en servent pour d\u00e9terminer si vous g\u00e9rez votre dette actuelle de mani\u00e8re ad\u00e9quate ou non. Le fait de maintenir un faible taux d\u2019utilisation du cr\u00e9dit peut am\u00e9liorer la cote de solvabilit\u00e9. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-payer-vos-autres-factures-a-temps\">5. Payer vos autres factures \u00e0 temps &nbsp;<\/h3>\n\n\n\n<p>Bien que la cote de solvabilit\u00e9 d\u00e9pende en grande partie de la fa\u00e7on dont vous avez g\u00e9r\u00e9 vos dettes comme les pr\u00eats et les cartes de cr\u00e9dit, le paiement de vos autres factures&nbsp;(loyer, services publics, Internet et t\u00e9l\u00e9phone) entre \u00e9galement en jeu.&nbsp; Si les agences d\u2019\u00e9valuation du cr\u00e9dit constatent une tendance constante \u00e0 payer ces factures, cela peut avoir un effet positif sur votre dossier de cr\u00e9dit aux \u00c9tats-Unis. Vous n\u2019avez pas de t\u00e9l\u00e9phone ni d\u2019adresse aux \u00c9tats-Unis? Vous pouvez vous procurer une carte de magasin ou de carburant pour prouver par ailleurs votre bon comportement en mati\u00e8re de cr\u00e9dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-comment-verifier-votre-cote-de-solvabilite-aux-etats-unis\">Comment v\u00e9rifier votre cote de solvabilit\u00e9 aux \u00c9tats-Unis<\/h3>\n\n\n\n<p>Lorsque votre cote de solvabilit\u00e9 est \u00e9tablie, vous pouvez demander un exemplaire gratuit de votre rapport de solvabilit\u00e9 aux trois principales agences d\u2019\u00e9valuation du cr\u00e9dit des \u00c9tats-Unis&nbsp;: Equifax<sup>MD<\/sup>, Experian<sup>MD<\/sup>, et TransUnion<sup>MD<\/sup>. Vous pouvez aussi demander facilement votre rapport en ligne sur le site&nbsp;Internet&nbsp;<a href=\"https:\/\/www.annualcreditreport.com\/index.action\" class=\"rbc-link-format\">AnnualCreditReport.com<\/a> ou en composant le 1-877-322-8228.<\/p>\n\n\n\n<p>Votre cote de solvabilit\u00e9 a une incidence sur de nombreux aspects de votre vie aux \u00c9tats-Unis. Le fait d\u2019\u00e9tablir un dossier de cr\u00e9dit et de maintenir une bonne cote peut vous aider \u00e0 profiter de votre mode de vie aux \u00c9tats-Unis et vous permettre d\u2019acheter un logement et d\u2019autres biens&nbsp;(qui n\u00e9cessitent un emprunt) \u00e0 l\u2019avenir.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color 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<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"683\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-1.jpg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-22626\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-1.jpg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-1-300x200.jpg 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-1-1024x683.jpg 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-1-768x512.jpg 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-1-1536x1024.jpg 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-1-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading mar-l-hlf mar-t-hlf\" id=\"h-vous-voulez-etablir-un-dossier-de-credit-aux-etats-unis\">Vous voulez \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis?<\/h4>\n\n\n\n<p class=\"mar-l-hlf\">Ouvrez trois comptes de pr\u00eat aux \u00c9tats-Unis, l\u2019un de ceux-ci pouvant \u00eatre une carte de cr\u00e9dit transfronti\u00e8re.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-buttons mar-b-hlf is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before mar-l-hlf\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/fr\/dms\/services-bancaires-transfrontieres\/index-fr-i-or.html?utm_source=Blog&amp;utm_medium=organic&amp;utm_campaign=MMM\" data-dig-id=\"LP-34448-34c2ecc8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Pour en savoir plus-https:\/\/www.rbcroyalbank.com\/fr\/dms\/services-bancaires-transfrontieres\/index-fr-i-or.html?utm_source=Blog&amp;utm_medium=organic&amp;utm_campaign=MMM \">Pour en savoir plus<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse87d3b6d8\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse87d3b6d8\" data-dig-id=\"LP-34448-87d3b6d8\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Ce que nos avocats veulent que vous sachiez\"><div>Ce que nos avocats veulent que vous sachiez<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse87d3b6d8\">\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\t\n\t<div class=\"wp-block-tk-spacer id-4c254855-6305-41fc-8412-57945cd6772c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partagez 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=Comment \u00e9tablir un dossier de cr\u00e9dit aux \u00c9tats-Unis \u00a0 &#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-cartes\/comment-etablir-un-dossier-de-credit-aux-etats-unis\/\">\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-cartes\/comment-etablir-un-dossier-de-credit-aux-etats-unis\/\">\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-44042c46-cdd3-4e93-a874-b4591bfda7c6\" 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\/credit-et-dette\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">cr\u00e9dit et dette<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/services-transfrontieres\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Services Transfrontieres<\/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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1057767656.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1057767656.jpg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1057767656.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1057767656.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1057767656.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1057767656.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1057767656.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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\/credit-t-et-emprunt\/comprendre-cartes\/\">\n\t\t\t\t\t\tComprendre les cartes de cr\u00e9dit\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\/credit-t-et-emprunt\/comprendre-cartes\/devriez-vous-augmenter-la-limite-de-votre-carte-de-credit\/\" class=\"card-title h4 mar-t-0\">Devriez-vous augmenter la limite de votre carte de cr\u00e9dit\u00a0?<\/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\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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"femmes utilisant leur t\u00e9l\u00e9phone portable pour examiner des documents afin de comprendre les transferts de solde de carte de cr\u00e9dit\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg 4901w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/04\/shutterstock_722608003_understanding-credit-card-balances.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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\/credit-t-et-emprunt\/comprendre-cartes\/\">\n\t\t\t\t\t\tComprendre les cartes de cr\u00e9dit\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\/credit-t-et-emprunt\/comprendre-cartes\/comprehension-de-votre-solde-de-carte-de-credit\/\" class=\"card-title h4 mar-t-0\">Compr\u00e9hension de votre solde de carte de cr\u00e9dit<\/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\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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/shutterstock_TripCan_Int_Cards_Article-2123880437.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme avec un chapeau pr\u00e9parant sa valise pour un voyage tout en regardant son t\u00e9l\u00e9phone\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/shutterstock_TripCan_Int_Cards_Article-2123880437.jpg 6720w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/shutterstock_TripCan_Int_Cards_Article-2123880437.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/shutterstock_TripCan_Int_Cards_Article-2123880437.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/shutterstock_TripCan_Int_Cards_Article-2123880437.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/shutterstock_TripCan_Int_Cards_Article-2123880437.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/03\/shutterstock_TripCan_Int_Cards_Article-2123880437.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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\/credit-t-et-emprunt\/comprendre-cartes\/\">\n\t\t\t\t\t\tComprendre les cartes de cr\u00e9dit\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\/credit-t-et-emprunt\/comprendre-cartes\/assurance-annulation-interruption-voyage-avec-carte-de-credit\/\" class=\"card-title h4 mar-t-0\">Assurance annulation et interruption de voyage offerte avec une carte de cr\u00e9dit : fonctionnement<\/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-4c254855-6305-41fc-8412-57945cd6772c {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-4c254855-6305-41fc-8412-57945cd6772c {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-44042c46-cdd3-4e93-a874-b4591bfda7c6 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-44042c46-cdd3-4e93-a874-b4591bfda7c6 {\n\t\t\theight: 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