{"id":6681,"date":"2018-11-14T00:00:00","date_gmt":"2018-11-14T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/credit-et-cartes-de-credit-ce-quil-faut-savoir\/"},"modified":"2024-02-27T13:40:59","modified_gmt":"2024-02-27T13:40:59","slug":"credit-et-cartes-de-credit-ce-quil-faut-savoir","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/credit-et-cartes-de-credit-ce-quil-faut-savoir\/","title":{"rendered":"Cr\u00e9dit et cartes de cr\u00e9dit : ce qu&rsquo;il faut savoir"},"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\/services-bancaires-services-bancaires-numeriques\/\">\n\t\t\t\t\t\t\t<span>Services bancaires\/services bancaires num\u00e9riques<\/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\">Cr\u00e9dit et cartes de cr\u00e9dit : ce qu&rsquo;il faut savoir<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-233_402x.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-233_402x.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-233_402x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-233_402x.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=Cr\u00e9dit et cartes de cr\u00e9dit : ce qu&rsquo;il faut savoir &#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\/credit-et-cote-de-solvabilite\/credit-et-cartes-de-credit-ce-quil-faut-savoir\/\">\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\/credit-et-cote-de-solvabilite\/credit-et-cartes-de-credit-ce-quil-faut-savoir\/\">\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 14 novembre 2018 \u2022 3 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<h2 class=\"wp-block-heading\">Que signifie l&rsquo;expression \u00ab acheter \u00e0 cr\u00e9dit \u00bb ?<\/h2>\n\n\n\n<p>Il s&rsquo;agit de la capacit\u00e9 d&rsquo;acheter maintenant et de payer plus tard. Contrairement \u00e0 lorsque vous payez en argent comptant ou avec votre carte de d\u00e9bit, en payant avec votre carte de cr\u00e9dit, l&rsquo;argent ne provient pas directement de votre compte bancaire. Vous pouvez payer plus tard lorsque vous recevrez votre facture de carte de cr\u00e9dit, ce qui signifie en fait que vous empruntez de l&rsquo;argent.<\/p>\n\n\n\n<p>Chaque mois, vous recevez un relev\u00e9 de carte de cr\u00e9dit qui comprend la liste de toutes les op\u00e9rations que vous avez effectu\u00e9es durant la p\u00e9riode de facturation. Une op\u00e9ration peut sembler petite par elle-m\u00eame, mais elle s&rsquo;additionne aux autres. Si vous ne payez pas votre solde lorsqu&rsquo;il est exigible, vous devrez payer des int\u00e9r\u00eats jusqu&rsquo;\u00e0 son r\u00e8glement int\u00e9gral. Acheter des objets dont vous n&rsquo;avez pas besoin au moyen de votre carte de cr\u00e9dit peut devenir tr\u00e8s co\u00fbteux, alors utilisez votre carte de cr\u00e9dit de fa\u00e7on responsable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelques faits importants sur les cartes de cr\u00e9dit :<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous ne pouvez pas avoir votre propre carte de cr\u00e9dit avant d&rsquo;avoir atteint l&rsquo;\u00e2ge de la majorit\u00e9 (vous pouvez toutefois obtenir une carte suppl\u00e9mentaire sur le compte de l&rsquo;un de vos parents)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>une carte poss\u00e8de une limite de cr\u00e9dit d\u00e9termin\u00e9e \u00e0 l&rsquo;avance, laquelle doit rester basse au d\u00e9but (les cartes pour \u00e9tudiants ont habituellement une limite de cr\u00e9dit moins \u00e9lev\u00e9e)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>certaines cartes comportent des frais annuels<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>des frais ou des p\u00e9nalit\u00e9s peuvent s&rsquo;appliquer pour les paiements en retard ou oubli\u00e9s<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>il est important de lire le texte en petits caract\u00e8res et de bien comprendre les conditions de la carte<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>il est \u00e9galement important de conna\u00eetre le taux d&rsquo;int\u00e9r\u00eat sur votre carte<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Les cartes de cr\u00e9dit peuvent comporter de nombreux avantages :<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>elles sont commodes et pratiques, et constituent un moyen facile de r\u00e9gler vos achats en ligne<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>elles sont utiles en cas d&rsquo;urgence, par exemple si votre voiture tombe en panne<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les renseignements sur votre carte de cr\u00e9dit peuvent vous aider \u00e0 faire le suivi de vos d\u00e9penses<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>vous empruntez de l&rsquo;argent gratuitement si vous r\u00e9glez la totalit\u00e9 de votre solde \u00e0 la date d&rsquo;\u00e9ch\u00e9ance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>l&rsquo;utilisation d&rsquo;une carte de cr\u00e9dit permet d&rsquo;\u00e9tablir des ant\u00e9c\u00e9dents de cr\u00e9dit et une cote de cr\u00e9dit<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>certaines cartes offrent des primes de fid\u00e9lit\u00e9, telles que des remises en argent ou des points grands voyageurs<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Au bout du compte, vous \u00eates la seule personne \u00e0 pouvoir d\u00e9cider si le moment est bien choisi pour obtenir une carte de cr\u00e9dit. Si vous sentez que vous pouvez faire preuve de discipline et utiliser votre carte de cr\u00e9dit seulement en cas d&rsquo;urgence ou pour les achats que vous serez en mesure de payer dans un d\u00e9lai raisonnable, celle-ci peut \u00eatre un excellent outil qui vous offrira la tranquillit\u00e9 d&rsquo;esprit et vous permettre de profiter au maximum de votre vie d&rsquo;\u00e9tudiant. Toutefois, si vous pensez que vous serez attir\u00e9 par toutes les ventes au centre d&rsquo;achats, peut-\u00eatre devriez-vous y r\u00e9fl\u00e9chir de nouveau avant de remplir votre demande.<\/p>\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=Cr\u00e9dit et cartes de cr\u00e9dit : ce qu&rsquo;il faut savoir &#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\/credit-et-cote-de-solvabilite\/credit-et-cartes-de-credit-ce-quil-faut-savoir\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-5e83acc7-0a7b-437b-a34a-7092a6afc596\" 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\/services-bancaires-services-bancaires-numeriques\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Services bancaires\/services bancaires num\u00e9riques<\/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 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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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https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-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\/cybersecurite-pour-les-entreprises\/\">\n\t\t\t\t\t\tCybers\u00e9curit\u00e9 pour les entreprises\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\/cybersecurite-pour-les-entreprises\/cybersecurite-des-entreprises-comment-prevenir-et-contrer-les-escroqueries\/\" class=\"card-title h4 mar-t-0\">Cybers\u00e9curit\u00e9 des entreprises : comment pr\u00e9venir et contrer les escroqueries<\/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=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Livret de poche sur une table.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg 1080w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=1024,768 1024w\" 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\/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-5e83acc7-0a7b-437b-a34a-7092a6afc596 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-5e83acc7-0a7b-437b-a34a-7092a6afc596 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Lorsque vous entrez au coll\u00e8ge ou \u00e0 l&rsquo;universit\u00e9, vous pouvez avoir l&rsquo;impression de recevoir des offres de carte de cr\u00e9dit de partout !<\/p>\n","protected":false},"author":112,"featured_media":8350,"parent":6560,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[129],"rbc_content_type":[121],"rbc_audience":[126],"rbc_lob_group":[127],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,45,332,46,91],"class_list":["post-6681","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-services-bancaires-services-bancaires-numeriques","rbc_content_type-article","rbc_audience-etudiants","rbc_lob_group-etudiants","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-credit-et-cote-de-solvabilite","rbc_mmm_category-credit-t-et-emprunt","rbc_mmm_category-types-de-comptes"],"acf":{"contently_publication_id":"191542","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- 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