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Crédit gratuit

dimanche 6 juin 2010










Le crédit gratuit

Le crédit gratuit est un crédit à la consommation réglementé : La publicité, autorisée, doit indiquer le montant de la remise qui vous sera consenti en cas de paiement comptant (possibilité des crédits d’une durée supérieure ou égale à 90 jours) et préciser qui prend en charge le coût du crédit.

En quoi ça consiste ?

Vous voyez parfois apparaître chez des commerçants des propositions de crédit gratuit ou de crédit à 0% ou encore de paiement en 3 fois sans intérêt, etc.

Il faut savoir que ce type de proposition est étroitement réglementé par le Code de la Consommation pour protéger le consommateur contre des pratiques commerciales qui pourraient provoquer chez certaines personnes fragiles, des situations de surendettement. Cette protection a été réaffirmée par la loi Lagarde du 1/07/2010.

Toute publicité pour le crédit gratuit est autorisée, même en dehors des lieux de vente.

Elle doit préciser qui prend en charge le coût du crédit consenti gratuitement au consommateur, afin de ne pas induire celui-ci en erreur, car en réalité, un crédit n’est jamais gratuit (futur art. L 311-27 C. conso).

A noter : la publicité relative aux opérations de crédit à la consommation hors des lieux de vente reste interdite quand elle propose une franchise de paiement des loyers ou de remboursement des échéances de crédit pendant une période supérieure à 3 mois.





2 Messages de forum

  • eDenaDerekb

    26 janvier 01:07, par rStephanDarrinc
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