{"id":368,"date":"2026-10-29T00:03:36","date_gmt":"2026-10-29T04:03:36","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=368"},"modified":"2026-10-29T00:03:36","modified_gmt":"2026-10-29T00:03:36","slug":"credit-cards-convenient-borrowing-that-can-get-expensive","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/credit-cards-convenient-borrowing-that-can-get-expensive\/","title":{"rendered":"Cartes de cr\u00e9dit\u00a0: des emprunts pratiques qui peuvent co\u00fbter cher"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"368\" class=\"elementor elementor-368\">\n\t\t\t\t<section class=\"elementor-element elementor-element-9610e14 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"9610e14\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9610e14\">\n    <div class=\"elementor-element elementor-element-90add6a e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"90add6a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"90add6a\">\n    <article class=\"elementor-element elementor-element-24aa0e5 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"24aa0e5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"24aa0e5\">\n    <div class=\"elementor-element elementor-element-0214e47 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"0214e47\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0214e47\">\n    <div class=\"elementor-element elementor-element-45f829d e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"45f829d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"45f829d\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"9590bdf\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"76ba5d0\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"cebe248\">\n\tPrincipes fondamentaux de l&#039;emprunt\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-20e6216 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"20e6216\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"20e6216\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"befe164\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b03b8af\">Article 3 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"59b8815\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"ec04619\" class=\"title-lg e-heading-base e-default-h1\">Cartes de cr\u00e9dit\u00a0: des emprunts pratiques qui peuvent co\u00fbter cher<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"10fd1ce\" id=\"30\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-34.webp 1600w\" alt=\"Illustration for the article: Credit Cards: Convenient Borrowing That Can Get Expensive\"\/>\t\t<div class=\"elementor-element elementor-element-c083034 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"c083034\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c083034\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"951135e\">Une carte de cr\u00e9dit est un pr\u00eat renouvelable. La banque vous accorde une limite, vous d\u00e9pensez et vous remboursez. Si vous payez la totalit\u00e9 du solde avant la date d&#039;\u00e9ch\u00e9ance, vous ne payez g\u00e9n\u00e9ralement pas d&#039;int\u00e9r\u00eats. Dans le cas contraire, des int\u00e9r\u00eats s&#039;appliquent et peuvent \u00eatre \u00e9lev\u00e9s.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"e78a4be\" class=\"prose-heading e-heading-base e-default-h2\">Comment fonctionnent les int\u00e9r\u00eats sur les cartes<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-d689955 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"d689955\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d689955\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"724461a\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"4d1791c\" class=\"title-md e-heading-base e-default-h2\">Inscrivez-vous gratuitement pour continuer la lecture.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"c85ca2e\">Les articles de base sont gratuits. Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe, puis connectez-vous pour lire les 50 articles de base.<\/p>\n\t\t<div class=\"elementor-element elementor-element-e8416c7 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"e8416c7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e8416c7\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"b45cbce\">\n\tS&#039;inscrire gratuitement\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"3e78df3\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-9f1cbbf e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"9f1cbbf\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9f1cbbf\">\n    <a class=\"elementor-element elementor-element-5d39f30 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"5d39f30\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5d39f30\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/your-credit-score-in-canada-how-newcomers-can-build-one-from-zero\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"18f6410\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"36e8cba\">Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-6247a1f e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"6247a1f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6247a1f\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/understanding-interest-apr-fixed-vs-variable-and-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"a668f99\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"a9fc0f2\">Comprendre les int\u00e9r\u00eats\u00a0: TAP, taux fixe vs taux variable et capitalisation<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-56d0abd e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"56d0abd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"56d0abd\">\n    <div class=\"elementor-element elementor-element-e01ff6a e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"e01ff6a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e01ff6a\">\n    <div class=\"elementor-element elementor-element-c91ee8e e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"c91ee8e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c91ee8e\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"19295ec\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"7c2c29f\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-2ffdf0f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2ffdf0f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2ffdf0f\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/what-is-borrowing-the-basics-explained\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"5e27675\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"7eb4c6d\">Qu&#039;est-ce qu&#039;un emprunt\u00a0? Explications de base<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-5d49c21 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5d49c21\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5d49c21\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/your-credit-score-in-canada-how-newcomers-can-build-one-from-zero\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"84f0cca\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"351d414\">Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-aa06a78 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"aa06a78\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aa06a78\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/credit-cards-convenient-borrowing-that-can-get-expensive\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0dea05b\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"44d17e0\">Cartes de cr\u00e9dit\u00a0: des emprunts pratiques qui peuvent co\u00fbter cher<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-cfefbcc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"cfefbcc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cfefbcc\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/understanding-interest-apr-fixed-vs-variable-and-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"91a094f\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3fed889\">Comprendre les int\u00e9r\u00eats\u00a0: TAP, taux fixe vs taux variable et capitalisation<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-3327a91 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"3327a91\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3327a91\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/student-loans-borrowing-for-education-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"64c3bf7\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"0a38470\">Pr\u00eats \u00e9tudiants : emprunter pour \u00e9tudier au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-b1a6511 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b1a6511\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b1a6511\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/personal-loans-and-lines-of-credit-which-one-fits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0857304\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"92b11c2\">Pr\u00eats personnels et lignes de cr\u00e9dit\u00a0: lequel vous convient le mieux\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-67b3fdc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"67b3fdc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"67b3fdc\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/mortgages-101-borrowing-to-buy-a-home-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"077ce1d\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"1ed298b\">Les bases des pr\u00eats hypoth\u00e9caires\u00a0: emprunter pour acheter une maison au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7010bce e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7010bce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7010bce\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/payday-loans-and-high-cost-borrowing-the-risks\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e4d1537\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"01854f9\">Pr\u00eats sur salaire et emprunts \u00e0 taux d&#039;int\u00e9r\u00eat \u00e9lev\u00e9s\u00a0: les risques<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0463e7d e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0463e7d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0463e7d\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/how-much-can-you-safely-borrow-budgeting-and-debt-ratios\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e214ff3\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2b21d6f\">Combien pouvez-vous emprunter sans risque\u00a0? Budget et ratios d\u2019endettement<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-6227638 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"6227638\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6227638\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/getting-help-managing-debt-trouble-and-avoiding-scams\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"84fc20a\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f65986c\">Obtenir de l&#039;aide : g\u00e9rer ses probl\u00e8mes d&#039;endettement et \u00e9viter les arnaques<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"4518656\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Borrowing Fundamentals Free with Basic Article 3 of 10 2 min read Credit Cards: Convenient Borrowing That Can [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":365,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-368","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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