Looking for the best credit cards in France? With banqo.fr you can compare the best credit card deals and benefits.
In general you associate a credit card with a costly product. You do this because you expect that the card which gives you access to many benefits cannot be free. Well, there is good news, currently you can find on the market many credit cards with 0 opening costs.
Banks look to attract new customers by offering them the best deals. If you are one of the persons who want to benefit of a free product but still enjoy several benefits of the credit card, the 0 cost credit card is meant for you. Yet, you need to pay attention, as 0 cost does not mean that you won't have to pay for anything. This kind of card, although coming with 0 opening cost, may come with a higher interest on the credit you'll use, a smaller number of instalments, or a smaller grace period.
Surprisingly, such cards may offer you access to a fair amount of benefits. For instance you may be able to pay in instalments, you may have access to discount when paying with merchants, or even to accumulate fidelity bonus on the card. Yet importantly, you may also benefit of warrantee extension or of guarantees for the on-line purchases. This type of card may be a good fit for people with limited resources, such as students, or people in their early career. More generally, it serves very well the needs of people who do not want to pay for getting a credit card, but are willing to pay a higher price for services used down the road and are disciplined enough to pay the credit in time.
If you are a disciplined person, who pays his debts in time, this type of card is for you, as you will enjoy a very resourceful product. However, if you pay late your credit, you need to know that you will pay a higher interest on the credit used or on the associated products, such as the instalments.