French credit card

User avatar
DominicBest
Posts: 4258
Joined: Thu Mar 01, 2018 8:13 pm
Location: Where 86,16 and 79 meet.
Has thanked: 111 times
Been thanked: 1146 times

Re: French credit card

Post by DominicBest »

I have a French credit card through my Banque Populaire account. Each time I use it I get the option to use the credit facility or to use it as a normal debit card.

Gardengirl
Posts: 2985
Joined: Sat Mar 10, 2018 7:45 pm
Location: Berkshire and the Gard
Has thanked: 934 times
Been thanked: 568 times

Re: French credit card

Post by Gardengirl »

I used to pay for my card with CA, but moved to the Carrefour Pass a few weeks ago. Nothing upfront to pay and payment is taken for all spending from my CA account at the end of each month. I haven’t come across any problems so far. I handed back my CA card to be cut up and now only have their cheapie card for paying in cheques; cash withdrawals can be from any machine with my Carrefour Pass card.

Kathyc
Posts: 543
Joined: Thu Mar 01, 2018 11:26 pm
Has thanked: 563 times
Been thanked: 112 times

Re: French credit card

Post by Kathyc »

DominicBest wrote:
Tue Apr 24, 2018 5:25 pm
I have a French credit card through my Banque Populaire account. Each time I use it I get the option to use the credit facility or to use it as a normal debit card.
Does that work in the same was as a UK credit card or is it one where you just settle up at the end of the month?

elsie
Posts: 622
Joined: Fri Mar 02, 2018 8:47 pm
Location: Western foothills of the Vosges
Has thanked: 4 times
Been thanked: 128 times

Re: French credit card

Post by elsie »

I have a Cora Visa card which is a debit and a credit card. I get a choice at the card reader each time I use it of debit or credit.

For most purposes I use it as a debit card and the debt is cleared each month by a automatic direct debit.

Just about the only time I use it as a credit card is when hiring a car to pay the deposit (many car hire companies don't accept a debit card since there are no guarantees of funds backing it). The credit card charges are similar to a UK credit card + compulsory insurance but they will make a direct debit of part of the sum owing on the basis the total sum owed will be paid over 18 months. The only change to the sum paid which can be made online is to pay up to twice that monthly sum. To make any additional payment or to clear the total credit debt has to be done by a cheque.

The only problem I've found is although most car hire companies just block the deposit sum on the card and unblock it at the end of the hire occasionally they actually take the money from the account. And on occasions when they have taken the money the refund has gone to the debit card account (the card only has one number for both debit and credit card accounts), so I end up with a credit card debt and usually have to pay one month interest and insurance before the cheque goes through to pay it all off (but I do have a debit account credit to net off against the debit card use for the month!)

ajm
Posts: 1157
Joined: Tue Apr 03, 2018 10:23 am
Location: 49 paradis
Has thanked: 166 times
Been thanked: 257 times

Re: French credit card

Post by ajm »

Without wishing to tempt fate our Halifax accounts have been registered at our French address with no problems. When our cards ( debit and credit ) are up for renewal they are sent to us here.
If I had known I was going to live this long, I would have taken better care of myself. Mae West.

Kathyc
Posts: 543
Joined: Thu Mar 01, 2018 11:26 pm
Has thanked: 563 times
Been thanked: 112 times

Re: French credit card

Post by Kathyc »

elsie wrote:
Tue Apr 24, 2018 8:19 pm
I have a Cora Visa card which is a debit and a credit card. I get a choice at the card reader each time I use it of debit or credit.

For most purposes I use it as a debit card and the debt is cleared each month by a automatic direct debit.

Just about the only time I use it as a credit card is when hiring a car to pay the deposit (many car hire companies don't accept a debit card since there are no guarantees of funds backing it). The credit card charges are similar to a UK credit card + compulsory insurance but they will make a direct debit of part of the sum owing on the basis the total sum owed will be paid over 18 months. The only change to the sum paid which can be made online is to pay up to twice that monthly sum. To make any additional payment or to clear the total credit debt has to be done by a cheque.

The only problem I've found is although most car hire companies just block the deposit sum on the card and unblock it at the end of the hire occasionally they actually take the money from the account. And on occasions when they have taken the money the refund has gone to the debit card account (the card only has one number for both debit and credit card accounts), so I end up with a credit card debt and usually have to pay one month interest and insurance before the cheque goes through to pay it all off (but I do have a debit account credit to net off against the debit card use for the month!)
That sounds like quite a major problem!

User avatar
bubbles1
Posts: 2984
Joined: Thu Mar 01, 2018 9:34 pm
Location: Dept 24
Has thanked: 514 times
Been thanked: 420 times

Re: French credit card

Post by bubbles1 »

Loiseau wrote:
Tue Apr 24, 2018 5:23 pm
Is there not an extra charge on the transaction each time you use a UK credit card abroad?
On my NatWest card there is, so I try and remember to use my French debit card as much as possible when I am over there.
Yes there is so just put some bits and bobs on it every few months and pay it off when the bill comes - a few euros for keeping your card - worth it I would say !!!!
The truth is always the truth even if no-one believes it - a lie is always a lie even if everyone believes it

User avatar
bubbles1
Posts: 2984
Joined: Thu Mar 01, 2018 9:34 pm
Location: Dept 24
Has thanked: 514 times
Been thanked: 420 times

Re: French credit card

Post by bubbles1 »

elsie wrote:
Tue Apr 24, 2018 8:19 pm
I have a Cora Visa card which is a debit and a credit card. I get a choice at the card reader each time I use it of debit or credit.

For most purposes I use it as a debit card and the debt is cleared each month by a automatic direct debit.

Just about the only time I use it as a credit card is when hiring a car to pay the deposit (many car hire companies don't accept a debit card since there are no guarantees of funds backing it). The credit card charges are similar to a UK credit card + compulsory insurance but they will make a direct debit of part of the sum owing on the basis the total sum owed will be paid over 18 months. The only change to the sum paid which can be made online is to pay up to twice that monthly sum. To make any additional payment or to clear the total credit debt has to be done by a cheque.

The only problem I've found is although most car hire companies just block the deposit sum on the card and unblock it at the end of the hire occasionally they actually take the money from the account. And on occasions when they have taken the money the refund has gone to the debit card account (the card only has one number for both debit and credit card accounts), so I end up with a credit card debt and usually have to pay one month interest and insurance before the cheque goes through to pay it all off (but I do have a debit account credit to net off against the debit card use for the month!)
Gosh is that your only choice due to circumstances which are private because if not - I would seriously look to change. IMO you are being rippeed of :cry:
The truth is always the truth even if no-one believes it - a lie is always a lie even if everyone believes it

User avatar
Tom
Posts: 2548
Joined: Fri Mar 02, 2018 2:30 pm
Location: 58 La Nièvre
Has thanked: 327 times
Been thanked: 658 times

Re: French credit card

Post by Tom »

https://www.cora.fr/fileadmin/communs/R ... 202015.pdf

Revolving credit cards are rare in France so Elsie has done well to find one...

:lol: But I'm going to need more than Google Translate to figure out all the intricacies of this one by Cora.
Here’s a good rule of thumb:
Too clever is dumb.
—Ogden Nash

pomme homme
Posts: 774
Joined: Mon Mar 19, 2018 7:45 pm
Has thanked: 83 times
Been thanked: 141 times

Re: French credit card

Post by pomme homme »

ajm wrote:
Tue Apr 24, 2018 8:40 pm
Without wishing to tempt fate our Halifax accounts have been registered at our French address with no problems. When our cards ( debit and credit ) are up for renewal they are sent to us here.
I also have a Tesco Mastercard. So far - touch wood - Tesco Bank is quite happy to send both replacement cards and statements to my French address. Thus it does seem to be Barclaycard exclusively that wants to discriminate against UK citizens who are resident abroad.

Post Reply