{"id":7051,"date":"2023-07-24T00:00:00","date_gmt":"2023-07-24T00:00:00","guid":{"rendered":""},"modified":"2024-02-22T16:17:19","modified_gmt":"2024-02-22T16:17:19","slug":"5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite","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\/5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite\/","title":{"rendered":"5 conseils pour maintenir une bonne cote de solvabilit\u00e9"},"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\">5 conseils pour maintenir une bonne cote de solvabilit\u00e9<\/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-2023-07-10T165109.348.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Des cartes de cr\u00e9dit sous le st\u00e9thoscope\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T165109.348.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T165109.348.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T165109.348.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=5 conseils pour maintenir une bonne cote de solvabilit\u00e9 &#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\/5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite\/\">\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\/5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite\/\">\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 24 juillet 2023 \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 r\u00e9ussite financi\u00e8re d\u00e9pend en tr\u00e8s grande partie du maintien d&rsquo;une bonne cote de solvabilit\u00e9. C&rsquo;est un indicateur que scrutent de pr\u00e8s les pr\u00eateurs hypoth\u00e9caires, les \u00e9metteurs de cartes de cr\u00e9dit, les propri\u00e9taires d&rsquo;immeubles, les fournisseurs de services de t\u00e9l\u00e9phonie mobile et les concessionnaires automobiles.<\/p>\n\n\n\n<p>Les agences d&rsquo;\u00e9valuation du cr\u00e9dit auxquelles recourent le plus souvent les pr\u00eateurs canadiens sont TransUnion et Equifax. Si votre cote est bonne, vous obtiendrez sans doute plus vite votre pr\u00eat \u0096 \u00e0 un taux d&rsquo;int\u00e9r\u00eat probablement plus avantageux, de surcro\u00eet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&rsquo;est-ce que la cote de solvabilit\u00e9 ?<b><\/b><\/h2>\n\n\n\n<p>La cote de solvabilit\u00e9 est un bon indicateur de votre situation financi\u00e8re et de votre capacit\u00e9 \u00e0 rembourser vos dettes en temps et lieu. C&rsquo;est l&rsquo;un des param\u00e8tres cl\u00e9s qu&rsquo;examinent les banques, les \u00e9metteurs de cartes de cr\u00e9dit, etc. avant d&rsquo;accorder ou non un pr\u00eat.<\/p>\n\n\n\n<p>Les agences d&rsquo;\u00e9valuation ne divulguent pas les formules qu&rsquo;elles utilisent pour calculer les cotes de solvabilit\u00e9, mais les chiffres mentionn\u00e9s ci-dessous sont r\u00e9alistes.<\/p>\n\n\n\n<p><strong>Voici les cinq grands facteurs dont d\u00e9pend votre cote de solvabilit\u00e9.<\/strong><\/p>\n\n\n\n<p><b>1. Historique des paiements<\/b><b><\/b><\/p>\n\n\n\n<p>La cote de solvabilit\u00e9 d\u00e9pend \u00e9troitement des paiements faits jusqu&rsquo;ici par l&rsquo;int\u00e9ress\u00e9. Leur r\u00e9gularit\u00e9 et leur ponctualit\u00e9 indiquent qu&rsquo;il s&rsquo;agit d&rsquo;un emprunteur responsable. Si vous remboursez r\u00e9guli\u00e8rement et en temps voulu vos cr\u00e9anciers, vous marquez des points. Inversement, si vous sautez des paiements, vous risquez de perdre des points. L&rsquo;<a href=\"https:\/\/www.transunion.com\/blog\/credit-advice\/how-credit-scoring-works-transunion\" target=\"_blank\" rel=\"noopener\">historique des paiements<\/a> compte pour environ 35 % dans le calcul de la cote de solvabilit\u00e9.<\/p>\n\n\n\n<p><b>2. Ratio d&rsquo;utilisation du cr\u00e9dit<\/b><b><\/b><\/p>\n\n\n\n<p>Un autre facteur pris en compte est le ratio entre votre dette totale et le cr\u00e9dit total dont vous disposez. Si vous sollicitez trop vos cartes de cr\u00e9dit, le ratio d&rsquo;utilisation sera \u00e9lev\u00e9, ce qui pourrait nuire \u00e0 votre cote de solvabilit\u00e9. Il est conseill\u00e9 de maintenir le ratio \u00e0 <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/credit-reports-score\/improve-credit-score.html\" target=\"_blank\" rel=\"noopener\">au maximum 30-35 %<\/a>, tous instruments de cr\u00e9dit confondus. Un exemple : si la limite de votre carte de cr\u00e9dit est de 10 000 $, faites en sorte que le solde mensuel ne d\u00e9passe pas 3 000 $. Le ratio compte pour environ 30 % dans le calcul de la cote de solvabilit\u00e9.<\/p>\n\n\n\n<p><b>3. Multiplicit\u00e9 des instruments de cr\u00e9dit<\/b><b><\/b><\/p>\n\n\n\n<p>La diversit\u00e9 des instruments de cr\u00e9dit dont vous disposez peut favoriser votre cote de solvabilit\u00e9. S&rsquo;ils se limitent \u00e0 une carte de cr\u00e9dit, votre cote risque d&rsquo;\u00eatre moins bonne que celle de quelqu&rsquo;un qui a souscrit \u00e9galement un pr\u00eat-auto. Cet aspect peut compter pour environ 10 % dans le calcul de la cote de solvabilit\u00e9.<\/p>\n\n\n\n<p><b>4. V\u00e9rifications de solvabilit\u00e9<\/b><b><\/b><\/p>\n\n\n\n<p>Si vous sollicitez un nouveau cr\u00e9dit, le pr\u00eateur demandera probablement un rapport de solvabilit\u00e9 complet \u00e0 votre sujet. Une demande de rapport partiel (\u00ab enqu\u00eate discr\u00e8te \u00bb) n&rsquo;a aucun impact sur votre cote (c&rsquo;est le genre de demande que vous pouvez faire vous-m\u00eame). Par contre, si vous faites l&rsquo;objet de plusieurs demandes rapproch\u00e9es de rapport complet, on pourrait estimer que vous exposez les pr\u00eateurs \u00e0 un risque assez \u00e9lev\u00e9 ; votre cote pourrait en souffrir. Cet aspect peut compter pour 10 % dans le calcul de la cote de solvabilit\u00e9.<\/p>\n\n\n\n<p><b>5. Dur\u00e9e de vos ant\u00e9c\u00e9dents<\/b><b><\/b><\/p>\n\n\n\n<p>Plus votre dossier de cr\u00e9dit est ancien, plus les pr\u00eateurs disposent d&rsquo;informations \u00e0 votre sujet. Votre cote de solvabilit\u00e9 n&rsquo;en sera que meilleure si votre historique des paiements est impeccable et votre ratio d&rsquo;utilisation, raisonnable. Les pr\u00eateurs aiment savoir que vous vous acquittez de vos dettes et que vos pr\u00eats sont de diff\u00e9rents types. Vos ant\u00e9c\u00e9dents peuvent compter pour environ 15 % dans le calcul de votre cote.<\/p>\n\n\n\n<p>Savoir quels facteurs influent sur votre cote de solvabilit\u00e9 est une chose. L&rsquo;\u00e9tape suivante ? Se servir de cette information pour optimiser sa cote et atteindre ainsi plus s\u00fbrement ses objectifs financiers.<\/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 aimeriez conna\u00eetre votre cote actuelle ? Les clients de RBC peuvent\u00a0<a href=\"https:\/\/www.rbcroyalbank.com\/dms\/olb\/credit-score\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">v\u00e9rifier gratuitement leur cote de cr\u00e9dit<\/a>\u00a0\u00e0 l\u2019aide de RBC Banque en direct.<\/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=5 conseils pour maintenir une bonne cote de solvabilit\u00e9 &#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\/5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite\/\">\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\/5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite\/\">\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-96b16bd0-1874-4e62-bcd6-011c2edfb3ca\" 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<\/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 donn\u00e9es<\/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=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Trois coll\u00e8gues regardant un ordinateur.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg 1000w, 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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-96b16bd0-1874-4e62-bcd6-011c2edfb3ca {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-96b16bd0-1874-4e62-bcd6-011c2edfb3ca 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Nos conseils devraient vous aider \u00e0 trouver la juste voie.<\/p>\n","protected":false},"author":112,"featured_media":11660,"parent":6560,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[289],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[276],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,58,332,46,34,29],"class_list":["post-7051","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-credit-et-dette","rbc_content_type-article","rbc_lob_group-modes-dacces","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-amelioration-de-votre-cote-de-solvabilite","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"],"acf":{"contently_publication_id":"364329","custom_author":"Amanda Reaume","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":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Maintenir sa cote de solvabilit\u00e9 exige davantage que des d\u00e9penses raisonnables. 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