La Banque Postale
Card with no additional fees. Payment in cash or on credit, as you prefer. Extended manufacturer's warranty up to 2 years on certain purchases.
Introducing the Credit Option Card offer
The La Banque Postale Credit Option Card combines a Visa bank card with the possibility of paying in cash or on credit for each payment or withdrawal transaction.
This card does not require any additional fees to activate the credit option, nor any re-issuance fees.
The associated revolving credit facility is free of charge if you don't use it. Eligibility requires approval of your application by La Banque Postale and La Banque Postale Consumer Finance.
Credit transactions are only available at merchants or ATMs equipped with CB payment in France, excluding purchases abroad.
A statutory 14-day cooling-off period is offered after final acceptance of your application. Repay your loan at your own pace according to the agreed terms.
How to subscribe to the Option Credit Card
Subscription is quick and fully digital, or possible at a post office depending on your preference.
Have your La Banque Postale card ready and complete a request in your secure customer area or contact the dedicated telephone service.
Customers must be of legal age, hold a postal current account and an eligible Visa card.
Review of the application and final acceptance by La Banque Postale and its subsidiary Consumer Finance before activation of the option.
Once the option is activated, the card retains the same PIN and all the standard guarantees.
Key features of the map
The main advantage is the flexibility of payment: choose cash or credit at the time of payment or withdrawal, ideal for dealing with unexpected expenses.
The card includes a two-year Manufacturer's Warranty Extension on eligible purchases, at no extra cost.
You have access to detailed tracking of your credit transactions in your customer area or by telephone.
Email or SMS alerts are automatically sent as soon as the credit limit is used or if the limit of the revolving credit is approached.
Flexible management: possibility to change options or make an early refund without penalty, directly from your Customer Area.
Limitations to consider
This card is only available to customers who already hold or are eligible for a La Banque Postale Visa card and an accepted revolving credit facility.
Credit payment is restricted to CB terminals in France, excluding payments abroad or contactless payments in particular.
Subscription to the revolving credit facility remains subject to final acceptance of the application and the applicant's borrowing capacity.
Supporting documents and a solvency check are essential before the application is accepted.
However, the card does not charge any additional fees as long as the revolving credit is not used.
Our opinion: final verdict
The La Banque Postale Credit Option Card stands out for its great versatility and practicality, while retaining all the services expected of a classic bank card.
Its option of immediate payment or credit, backed by a 2-year warranty extension, makes it particularly attractive for managing your budget and unexpected expenses with peace of mind.
The absence of additional fees is an undeniable advantage for users seeking flexibility without additional commitment.
However, be careful to properly manage the use of revolving credit; credit is always a commitment and must be repaid according to your means.
It's a solid offer for those who want to combine freedom, control and additional services in their daily shopping.
