{"id":6682,"date":"2018-11-16T00:00:00","date_gmt":"2018-11-16T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/guide-sur-letablissement-de-solides-antecedents-de-credit-a-lintention-des-etudiants\/"},"modified":"2024-02-16T16:24:56","modified_gmt":"2024-02-16T16:24:56","slug":"guide-sur-letablissement-de-solides-antecedents-de-credit-a-lintention-des-etudiants","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\/guide-sur-letablissement-de-solides-antecedents-de-credit-a-lintention-des-etudiants\/","title":{"rendered":"Guide sur l&rsquo;\u00e9tablissement de solides ant\u00e9c\u00e9dents de cr\u00e9dit \u00e0 l&rsquo;intention des \u00e9tudiants"},"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\">Guide sur l&rsquo;\u00e9tablissement de solides ant\u00e9c\u00e9dents de cr\u00e9dit \u00e0 l&rsquo;intention des \u00e9tudiants<\/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-bjjbj_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-bjjbj_402x.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-bjjbj_402x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-bjjbj_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=Guide sur l&rsquo;\u00e9tablissement de solides ant\u00e9c\u00e9dents de cr\u00e9dit \u00e0 l&rsquo;intention des \u00e9tudiants &#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\/guide-sur-letablissement-de-solides-antecedents-de-credit-a-lintention-des-etudiants\/\">\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\/guide-sur-letablissement-de-solides-antecedents-de-credit-a-lintention-des-etudiants\/\">\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 16 novembre 2018 \u2022 4 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>Votre cote de solvabilit\u00e9 est le reflet de votre capacit\u00e9 d&#8217;emprunter de fa\u00e7on responsable. De nombreuses personnes peuvent avoir \u00e0 consulter votre cote de solvabilit\u00e9 afin d&rsquo;\u00e9valuer votre sant\u00e9 financi\u00e8re : un propri\u00e9taire \u00e9ventuel, la compagnie de t\u00e9l\u00e9phone ou un nouveau pr\u00eateur. Il va sans dire, que plus la cote est \u00e9lev\u00e9e, meilleur est votre classement !<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment \u00e9tablir \u0096 et maintenir \u0096 de solides ant\u00e9c\u00e9dents de cr\u00e9dit<\/h2>\n\n\n\n<p>Plusieurs facteurs pr\u00e9cis sont utilis\u00e9s pour calculer votre cote de solvabilit\u00e9. Voici les cinq principaux facteurs qui ont une incidence sur votre cote, ainsi que quelques fa\u00e7ons de vous assurer de partir du bon pied.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Vos ant\u00e9c\u00e9dents de paiement.<\/h3>\n\n\n\n<p>Le fait de payer vos factures \u00e0 temps est le facteur qui influence le plus votre cote de solvabilit\u00e9. C&rsquo;est pourquoi vous devriez tenter de les payer avant la date d&rsquo;\u00e9ch\u00e9ance \u0096 m\u00eame celles dont le solde est faible et qui vous semblent peu importantes.<\/p>\n\n\n\n<p>Conseil : Si vous pensez que vous aurez de la difficult\u00e9 \u00e0 payer une facture, songez \u00e0 obtenir une protection contre les d\u00e9couverts sur votre compte. Lorsque vous avez une protection contre d\u00e9couvert, votre banque comble les \u00e9ventuels d\u00e9ficits momentan\u00e9s (jusqu&rsquo;\u00e0 concurrence d&rsquo;une certaine limite), prot\u00e9geant ainsi votre cote de solvabilit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Montant que vous devez.<\/h3>\n\n\n\n<p>Si les limites de vos cartes de cr\u00e9dit sont presque atteintes, vous pr\u00e9sentez un risque plus \u00e9lev\u00e9 pour votre pr\u00eateur. M\u00eame s&rsquo;il est toujours pr\u00e9f\u00e9rable de rembourser en totalit\u00e9 le solde de vos cartes de cr\u00e9dit, il est essentiel d&rsquo;effectuer au moins les paiements minimums exig\u00e9s.<\/p>\n\n\n\n<p>Conseil : Essayez d&rsquo;utiliser moins de 35 % de votre limite de cr\u00e9dit disponible. Par exemple, si la limite de votre carte de cr\u00e9dit est de 2 500 $, essayez de maintenir un solde inf\u00e9rieur \u00e0 875 $ (35 pour cent de 2 500 $).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. P\u00e9riode vis\u00e9e par vos ant\u00e9c\u00e9dents de cr\u00e9dit.<\/h3>\n\n\n\n<p>Plus la p\u00e9riode vis\u00e9e par vos ant\u00e9c\u00e9dents de cr\u00e9dit est longue, plus votre cote de solvabilit\u00e9 est exacte. Si vous commencez \u00e0 peine \u00e0 recourir au cr\u00e9dit, votre cote sera plus faible\u0085 mais vous pourrez la b\u00e2tir au fil du temps, et le fait de d\u00e9buter d\u00e8s maintenant vous permettra d&rsquo;\u00e9tablir un bon dossier de cr\u00e9dit et d&#8217;emprunter plus tard des montants plus \u00e9lev\u00e9s.<\/p>\n\n\n\n<p>Conseil : Songez \u00e0 garder ouvert un compte que vous poss\u00e9dez depuis longtemps, m\u00eame si vous n&rsquo;en avez plus besoin (surtout s&rsquo;il ne comporte pas de frais annuels). Utilisez-le de temps \u00e0 autre pour le garder actif.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Demandes de cr\u00e9dit.<\/h3>\n\n\n\n<p>Si vous pr\u00e9sentez fr\u00e9quemment de nouvelles demandes de cr\u00e9dit ou de majoration de limite, les pr\u00eateurs pourraient y voir un signe que vous \u00e9prouvez des difficult\u00e9s financi\u00e8res. Limitez le nombre de demandes de cr\u00e9dit que vous faites au cours d&rsquo;une courte p\u00e9riode.<\/p>\n\n\n\n<p>Conseil : De temps \u00e0 autre, il est recommand\u00e9 de passer en revue votre rapport de solvabilit\u00e9 pour vous assurer qu&rsquo;il est exact et \u00e0 jour. Pour ce faire, vous devez communiquer avec l&rsquo;une des deux agences de notation au Canada : Equifax ou Trans Union.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Types de cr\u00e9dit.<\/h3>\n\n\n\n<p>Le fait d&rsquo;\u00eatre titulaire de plusieurs types de comptes indique que vous poss\u00e9dez une certaine exp\u00e9rience dans la gestion de diverses formes de cr\u00e9dit. Ce facteur a peu d&rsquo;incidence sur votre cote, il n&rsquo;est donc pas n\u00e9cessaire d&rsquo;\u00e9tablir d&rsquo;autres comptes de cr\u00e9dit uniquement pour diversifier votre dossier.<\/p>\n\n\n\n<p>Conseil : Assurez-vous d&rsquo;\u00eatre en mesure de rembourser toutes les sommes emprunt\u00e9es. Sinon, vous pourriez nuire \u00e0 votre cote de solvabilit\u00e9 en contractant des dettes d\u00e9passant votre capacit\u00e9 de remboursement.<\/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=Guide sur l&rsquo;\u00e9tablissement de solides ant\u00e9c\u00e9dents de cr\u00e9dit \u00e0 l&rsquo;intention des \u00e9tudiants &#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\/guide-sur-letablissement-de-solides-antecedents-de-credit-a-lintention-des-etudiants\/\">\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\/guide-sur-letablissement-de-solides-antecedents-de-credit-a-lintention-des-etudiants\/\">\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-dd096f34-b279-4d67-9e4d-78a1bec852e0\" 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 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href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/gestion-des-flux-de-tresorerie-et-donnees-financieres\/\">\n\t\t\t\t\t\tGestion des flux de tr\u00e9sorerie et donn\u00e9es financi\u00e8res\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\/entreprises\/gestion-de-lentreprise\/gestion-des-flux-de-tresorerie-et-donnees-financieres\/principales-deductions-fiscales-pour-les-petites-entreprises-ne-laissez-pas-largent-vous-filer-entre-les-doigts\/\" class=\"card-title h4 mar-t-0\">Principales d\u00e9ductions fiscales pour les petites entreprises : ne laissez pas l\u2019argent vous filer entre les doigts<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T150458.605.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Poign\u00e9e de main entre deux hommes au-dessus de documents et d&#039;un maillet sur un bureau.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T150458.605.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T150458.605.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-20T150458.605.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/\">\n\t\t\t\t\t\tFaillite personnelle\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\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/le-processus-de-faillite-en-bref\/\" class=\"card-title h4 mar-t-0\">Le fonctionnement du processus de faillite personnelle au Canada : un guide \u00e9tape par \u00e9tape<\/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 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href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/\">\n\t\t\t\t\t\tFaillite personnelle\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\/endettement-et-reduction-du-stress\/faillite\/faillite-personnelle\/la-faillite-personnelle-au-canada-reponses-aux-10-principales-questions\/\" class=\"card-title h4 mar-t-0\">La faillite personnelle au Canada : r\u00e9ponses aux 10 principales questions<\/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-dd096f34-b279-4d67-9e4d-78a1bec852e0 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-dd096f34-b279-4d67-9e4d-78a1bec852e0 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Si vous commencez \u00e0 recourir au cr\u00e9dit \u0096 par l&rsquo;entremise d&rsquo;une carte de cr\u00e9dit, d&rsquo;un pr\u00eat \u00e9tudiant ou d&rsquo;une autre forme de cr\u00e9dit \u0096 vous serez bien plac\u00e9 pour \u00e9tablir vos ant\u00e9c\u00e9dents de cr\u00e9dit rapidement.<\/p>\n","protected":false},"author":112,"featured_media":8357,"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":[32,332,46,34,29,54],"class_list":["post-6682","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-credit-et-cote-de-solvabilite","rbc_mmm_category-credit-t-et-emprunt","rbc_mmm_category-difficulte-a-joindre-les-deux-bouts","rbc_mmm_category-endettement-et-reduction-du-stress","rbc_mmm_category-gestion-et-consolidation-des-dettes"],"acf":{"contently_publication_id":"191574","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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