{"id":6815,"date":"2021-03-02T11:42:31","date_gmt":"2021-03-02T15:42:31","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=6815"},"modified":"2022-03-07T09:25:02","modified_gmt":"2022-03-07T13:25:02","slug":"comment-bien-choisir-sa-carte-de-credit","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/","title":{"rendered":"Comment bien choisir sa carte de cr\u00e9dit\u2009?"},"content":{"rendered":"

Le syst\u00e8me bancaire canadien peut \u00eatre un vrai casse-t\u00eate pour les nouveaux arrivants, en particulier la notion d\u2019historique de cr\u00e9dit. Avant de choisir une carte de cr\u00e9dit, prenez le temps de cerner vos besoins en mati\u00e8re de cr\u00e9dit et de bien vous informer.<\/em><\/p>\n

Observer ses habitudes de paiement<\/strong><\/h2>\n

Si vous payez vos d\u00e9penses courantes et remboursez toujours le solde \u00e0 la fin du mois, optez pour une carte associ\u00e9e \u00e0 un programme de r\u00e9compenses avec des primes en argent, sous forme de rabais, ou encore en points voyage.<\/span><\/p>\n

V\u00e9rifiez les frais annuels\u00a0: les cartes qui offrent les meilleures gratifications ont souvent des frais annuels \u00e9lev\u00e9s. Tenez compte de tous les frais\u00a0: int\u00e9r\u00eats sur le solde, avances de fonds et co\u00fbts des transactions en devises \u00e9trang\u00e8res ne doivent pas exc\u00e9der la valeur des r\u00e9compenses.<\/span><\/p>\n

Les programmes de fid\u00e9lit\u00e9 incitent \u00e0 acheter davantage \u00e0 cr\u00e9dit. R\u00e9sistez \u00e0 la tentation de surconsommer\u2009!<\/span><\/p>\n

Si, au contraire, vous ne payez pas toujours la totalit\u00e9 du solde mensuel, vous avez avantage \u00e0 choisir une carte offrant un faible taux d\u2019int\u00e9r\u00eat, m\u00eame si pour cela vous devez payer des frais annuels. La plupart des \u00e9metteurs facturent un taux de 20\u00a0%. Certains grimpent \u00e0 pr\u00e8s de 30\u00a0%, ce qui peut avoir des r\u00e9percussions importantes sur vos finances. Bref, essayez toujours, dans la mesure du possible, de r\u00e9gler votre solde chaque mois.<\/span><\/p>\n

Vous pouvez utiliser\u00a0<\/span>l\u2019outil de comparaison des cartes de cr\u00e9dit de l\u2019Agence de la consommation en mati\u00e8re financi\u00e8re du Canada<\/a>\u00a0pour vous aider \u00e0 trouver la carte la plus avantageuse pour vous.<\/span><\/p>\n

B\u00e2tir son historique de cr\u00e9dit<\/strong><\/h2>\n

Sans historique de cr\u00e9dit, il est tr\u00e8s difficile d\u2019obtenir un pr\u00eat personnel, un pr\u00eat auto ou une marge de cr\u00e9dit. Cet historique repose sur votre dossier de cr\u00e9dit, qui est un r\u00e9sum\u00e9 de vos ant\u00e9c\u00e9dents dans ce domaine, compil\u00e9 par les deux principales\u00a0<\/span>agences au Canada\u00a0: Equifax et TransUnion<\/a>.<\/u>\u00a0Votre dossier regroupe des informations sur votre conduite en tant qu\u2019utilisateur du cr\u00e9dit (sommes dues, respect des \u00e9ch\u00e9ances, retards de paiements\u2026), afin d\u2019\u00e9tablir votre\u00a0<\/span>cote de cr\u00e9dit<\/a>.<\/u>\u00a0Pour \u00e9tablir votre solvabilit\u00e9, les pr\u00eateurs et les institutions financi\u00e8res consulteront votre dossier avant de vous consentir un pr\u00eat.<\/span><\/p>\n

Si vous venez d\u2019arriver au Canada, commencez par demander une carte de cr\u00e9dit avec une petite limite, de 1\u2009500\u00a0$ CAN \u00e0 2\u2009000\u00a0$ CAN maximum. Utilisez-la comme un instrument de paiement et remboursez la totalit\u00e9 du solde tous les mois. Vous d\u00e9montrerez ainsi que vous \u00eates un bon payeur et commencerez ainsi \u00e0 b\u00e2tir votre dossier de cr\u00e9dit.<\/span><\/p>\n

Il existe aussi des cartes avec garantie, destin\u00e9es habituellement aux personnes qui n\u2019ont jamais eu de carte de cr\u00e9dit au Canada ou \u00e0 celles qui veulent redorer leur cote de cr\u00e9dit. Vous devrez verser un d\u00e9p\u00f4t de s\u00e9curit\u00e9 pour rassurer sur votre capacit\u00e9 \u00e0 payer votre solde chaque mois. Ce d\u00e9p\u00f4t est g\u00e9n\u00e9ralement plac\u00e9 dans un certificat de placement garanti. Vous r\u00e9cup\u00e9rerez votre argent et les int\u00e9r\u00eats accumul\u00e9s \u00e0 la fin du contrat. Les taux des cartes avec garantie sont comparables \u00e0 ceux de la moyenne des cartes.<\/span><\/p>\n

Gare \u00e0 l\u2019endettement<\/strong><\/h2>\n

Plus de 65\u00a0% des achats au Canada sont r\u00e9gl\u00e9s par carte de cr\u00e9dit. Pratiques, elles contribuent tout de m\u00eame \u00e0 la croissance de\u00a0<\/span>l\u2019endettement des m\u00e9nages<\/a>. Avec la g\u00e9n\u00e9ralisation du paiement sans contact (<\/span>Paypass<\/em>), il est facile de perdre le compte de ses d\u00e9penses et la ma\u00eetrise de son budget.<\/span><\/p>\n

Comme tout produit qui comporte une part de marketing, la carte de cr\u00e9dit est con\u00e7ue pour \u00eatre utilis\u00e9e, mais il est important d\u2019en faire un usage responsable.<\/span><\/p>\n

Cet article a \u00e9t\u00e9 \u00e9crit \u00e0 partir d\u2019un article de R\u00e9mi Leroux publi\u00e9 en d\u00e9cembre 2019.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Le syst\u00e8me bancaire canadien peut \u00eatre un vrai casse-t\u00eate pour les nouveaux arrivants, en particulier la notion d\u2019historique de cr\u00e9dit. Avant de choisir une carte de cr\u00e9dit, prenez le temps de cerner vos besoins en mati\u00e8re de cr\u00e9dit et de bien vous informer. Observer ses habitudes de paiement Si vous payez vos d\u00e9penses courantes et […]<\/p>\n","protected":false},"author":3488,"featured_media":6816,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-6815","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-d-experts","8":"entry"},"acf":[],"yoast_head":"\nComment bien choisir sa carte de cr\u00e9dit\u2009? - Immigrant Qu\u00e9bec<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment bien choisir sa carte de cr\u00e9dit\u2009? - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Le syst\u00e8me bancaire canadien peut \u00eatre un vrai casse-t\u00eate pour les nouveaux arrivants, en particulier la notion d\u2019historique de cr\u00e9dit. Avant de choisir une carte de cr\u00e9dit, prenez le temps de cerner vos besoins en mati\u00e8re de cr\u00e9dit et de bien vous informer. Observer ses habitudes de paiement Si vous payez vos d\u00e9penses courantes et […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Immigrant Qu\u00e9bec\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/immigrantquebec\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-02T15:42:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-07T13:25:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/01\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"950\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Prot\u00e9gez-Vous\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Prot\u00e9gez-Vous\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/\"},\"author\":{\"name\":\"Prot\u00e9gez-Vous\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#\\\/schema\\\/person\\\/c3b3acb7c8209196fca1fe405af2fc21\"},\"headline\":\"Comment bien choisir sa carte de cr\u00e9dit\u2009?\",\"datePublished\":\"2021-03-02T15:42:31+00:00\",\"dateModified\":\"2022-03-07T13:25:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/\"},\"wordCount\":673,\"publisher\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg\",\"articleSection\":[\"Conseils d'experts\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/\",\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/\",\"name\":\"Comment bien choisir sa carte de cr\u00e9dit\u2009? - Immigrant Qu\u00e9bec\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg\",\"datePublished\":\"2021-03-02T15:42:31+00:00\",\"dateModified\":\"2022-03-07T13:25:02+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/#primaryimage\",\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg\",\"contentUrl\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg\",\"width\":950,\"height\":400},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/comment-bien-choisir-sa-carte-de-credit\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Conseils d'experts\",\"item\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/conseils-d-experts\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Comment bien choisir sa carte de cr\u00e9dit\u2009?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/\",\"name\":\"Immigrant Qu\u00e9bec\",\"description\":\"Immigrer, vivre, travailler et \u00e9tudier au Qu\u00e9bec, Canada\",\"publisher\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#organization\",\"name\":\"Immigrant Qu\u00e9bec\",\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/LogoIQ-2024-RVB.png\",\"contentUrl\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/LogoIQ-2024-RVB.png\",\"width\":2500,\"height\":1137,\"caption\":\"Immigrant Qu\u00e9bec\"},\"image\":{\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/immigrantquebec\",\"https:\\\/\\\/x.com\\\/ImmigrantQuebec\",\"https:\\\/\\\/www.instagram.com\\\/immigrantquebec\",\"https:\\\/\\\/www.youtube.com\\\/user\\\/ImmigrantQc\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/#\\\/schema\\\/person\\\/c3b3acb7c8209196fca1fe405af2fc21\",\"name\":\"Prot\u00e9gez-Vous\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/fba44336-00e2-4fe3-a367-c42f78bdb51f-96x96.png\",\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/fba44336-00e2-4fe3-a367-c42f78bdb51f-96x96.png\",\"contentUrl\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/fba44336-00e2-4fe3-a367-c42f78bdb51f-96x96.png\",\"caption\":\"Prot\u00e9gez-Vous\"},\"description\":\"Prot\u00e9gez-Vous est un organisme sans but lucratif ind\u00e9pendant qui aide les Qu\u00e9b\u00e9cois \u00e0 faire les meilleurs choix en mati\u00e8re de consommation.\",\"sameAs\":[\"https:\\\/\\\/www.protegez-vous.ca\\\/\"],\"url\":\"https:\\\/\\\/immigrantquebec.com\\\/fr\\\/author\\\/protegez-vous\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comment bien choisir sa carte de cr\u00e9dit\u2009? - Immigrant Qu\u00e9bec","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/","og_locale":"fr_FR","og_type":"article","og_title":"Comment bien choisir sa carte de cr\u00e9dit\u2009? - Immigrant Qu\u00e9bec","og_description":"Le syst\u00e8me bancaire canadien peut \u00eatre un vrai casse-t\u00eate pour les nouveaux arrivants, en particulier la notion d\u2019historique de cr\u00e9dit. Avant de choisir une carte de cr\u00e9dit, prenez le temps de cerner vos besoins en mati\u00e8re de cr\u00e9dit et de bien vous informer. Observer ses habitudes de paiement Si vous payez vos d\u00e9penses courantes et […]","og_url":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/","og_site_name":"Immigrant Qu\u00e9bec","article_publisher":"https:\/\/www.facebook.com\/immigrantquebec","article_published_time":"2021-03-02T15:42:31+00:00","article_modified_time":"2022-03-07T13:25:02+00:00","og_image":[{"width":950,"height":400,"url":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/01\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg","type":"image\/jpeg"}],"author":"Prot\u00e9gez-Vous","twitter_misc":{"\u00c9crit par":"Prot\u00e9gez-Vous","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/#article","isPartOf":{"@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/"},"author":{"name":"Prot\u00e9gez-Vous","@id":"https:\/\/immigrantquebec.com\/fr\/#\/schema\/person\/c3b3acb7c8209196fca1fe405af2fc21"},"headline":"Comment bien choisir sa carte de cr\u00e9dit\u2009?","datePublished":"2021-03-02T15:42:31+00:00","dateModified":"2022-03-07T13:25:02+00:00","mainEntityOfPage":{"@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/"},"wordCount":673,"publisher":{"@id":"https:\/\/immigrantquebec.com\/fr\/#organization"},"image":{"@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/01\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg","articleSection":["Conseils d'experts"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/","url":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/","name":"Comment bien choisir sa carte de cr\u00e9dit\u2009? - Immigrant Qu\u00e9bec","isPartOf":{"@id":"https:\/\/immigrantquebec.com\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/#primaryimage"},"image":{"@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/01\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg","datePublished":"2021-03-02T15:42:31+00:00","dateModified":"2022-03-07T13:25:02+00:00","breadcrumb":{"@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/#primaryimage","url":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/01\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg","contentUrl":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/01\/e5aa0a0b-2287-4272-a6a4-424853d3d693.jpg","width":950,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/comment-bien-choisir-sa-carte-de-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/immigrantquebec.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Conseils d'experts","item":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/"},{"@type":"ListItem","position":3,"name":"Comment bien choisir sa carte de cr\u00e9dit\u2009?"}]},{"@type":"WebSite","@id":"https:\/\/immigrantquebec.com\/fr\/#website","url":"https:\/\/immigrantquebec.com\/fr\/","name":"Immigrant Qu\u00e9bec","description":"Immigrer, vivre, travailler et \u00e9tudier au Qu\u00e9bec, Canada","publisher":{"@id":"https:\/\/immigrantquebec.com\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/immigrantquebec.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/immigrantquebec.com\/fr\/#organization","name":"Immigrant Qu\u00e9bec","url":"https:\/\/immigrantquebec.com\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/immigrantquebec.com\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2024\/03\/LogoIQ-2024-RVB.png","contentUrl":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2024\/03\/LogoIQ-2024-RVB.png","width":2500,"height":1137,"caption":"Immigrant Qu\u00e9bec"},"image":{"@id":"https:\/\/immigrantquebec.com\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/immigrantquebec","https:\/\/x.com\/ImmigrantQuebec","https:\/\/www.instagram.com\/immigrantquebec","https:\/\/www.youtube.com\/user\/ImmigrantQc"]},{"@type":"Person","@id":"https:\/\/immigrantquebec.com\/fr\/#\/schema\/person\/c3b3acb7c8209196fca1fe405af2fc21","name":"Prot\u00e9gez-Vous","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/03\/fba44336-00e2-4fe3-a367-c42f78bdb51f-96x96.png","url":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/03\/fba44336-00e2-4fe3-a367-c42f78bdb51f-96x96.png","contentUrl":"https:\/\/immigrantquebec.com\/fr\/wp-content\/uploads\/2022\/03\/fba44336-00e2-4fe3-a367-c42f78bdb51f-96x96.png","caption":"Prot\u00e9gez-Vous"},"description":"Prot\u00e9gez-Vous est un organisme sans but lucratif ind\u00e9pendant qui aide les Qu\u00e9b\u00e9cois \u00e0 faire les meilleurs choix en mati\u00e8re de consommation.","sameAs":["https:\/\/www.protegez-vous.ca\/"],"url":"https:\/\/immigrantquebec.com\/fr\/author\/protegez-vous\/"}]}},"_links":{"self":[{"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/posts\/6815","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/users\/3488"}],"replies":[{"embeddable":true,"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/comments?post=6815"}],"version-history":[{"count":0,"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/posts\/6815\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/media\/6816"}],"wp:attachment":[{"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/media?parent=6815"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/categories?post=6815"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immigrantquebec.com\/fr\/wp-json\/wp\/v2\/tags?post=6815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}