{"id":19079,"date":"2025-10-08T19:48:33","date_gmt":"2025-10-08T17:48:33","guid":{"rendered":"https:\/\/clickfinancas.com\/fr-cf\/?p=19079"},"modified":"2025-11-27T14:11:42","modified_gmt":"2025-11-27T13:11:42","slug":"carte-de-credit-oney-banque-auchan-paiement-simplifie-de-vos-achats","status":"publish","type":"post","link":"https:\/\/clickfinancas.com\/fr-cf\/carte-de-credit-oney-banque-auchan-paiement-simplifie-de-vos-achats\/","title":{"rendered":"Carte de cr\u00e9dit Oney Banque Auchan\u00a0: Paiement simplifi\u00e9 de vos achats"},"content":{"rendered":"\n<p>Oney Banque op\u00e8re dans le secteur des services financiers avec une sp\u00e9cialisation dans le cr\u00e9dit \u00e0 la consommation et les solutions de paiement associ\u00e9es \u00e0 la grande distribution. <\/p>\n\n\n\n<p>Le partenariat \u00e9tabli avec l&#8217;enseigne Auchan a donn\u00e9 naissance \u00e0 plusieurs produits financiers incluant la carte Auchan, con\u00e7ue pour faciliter les achats au sein du r\u00e9seau de magasins et sur les plateformes num\u00e9riques du groupe.<\/p>\n\n\n<div class=\"lazyblock-lazy-pis-pasep-1kGXXy wp-block-lazyblock-lazy-pis-pasep\"><!-- Template HTML para LazyBlocks -->\n<div class=\"pis-calculator-block\" data-block=\"En savoir plus sur les cartes de cr\u00e9dit\">\n    <div class=\"block-container\">\n        <!-- Imagem no topo (se houver) -->\n          <div class=\"block-image\">\n            <img decoding=\"async\" src=\"https:\/\/clickfinancas.com\/fr-cf\/wp-content\/uploads\/2025\/10\/image-15.png\" alt=\"\">\n          <\/div>\n                <!-- Conte\u00fado Principal -->\n        <div class=\"block-content\">\n            <!-- Se\u00e7\u00e3o de Recomendado -->\n            <div class=\"recommended-label\">RECOMMAND\u00c9<\/div>\n            \n            <h2 class=\"block-title\">En savoir plus sur les cartes de cr\u00e9dit<\/h2>\n            <span class=\"block-subtitle\">Ci-dessous, nous partagerons des articles sur ce sujet. Alors, continuez votre lecture\u00a0:<\/span>\n            \n            <!-- Bot\u00f5es CTA -->\n            <div class=\"buttons-container\">\n                <!-- Bot\u00e3o Principal -->\n                <a href=\"https:\/\/clickfinancas.com\/fr-cf\/les-24-meilleures-cartes-de-credit-en-france-guide-pratique-pour-choisir-en-confiance\/\" class=\"cta-button\">\n                    Comment demander une carte de cr\u00e9dit\n                    <svg class=\"arrow-icon\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                        <path d=\"M5 12h14M12 5l7 7-7 7\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/svg>\n                <\/a>\n                \n                <!-- Bot\u00e3o Secund\u00e1rio (opcional) -->\n                <a href=\"https:\/\/clickfinancas.com\/fr-cf\/credit-pour-interdit-bancaire-en-france-la-solution-progressive-de-la-banque-postale\/\" class=\"cta-button secondary\">\n                    Meilleures cartes de cr\u00e9dit pour mauvais cr\u00e9dit\n                    <svg class=\"arrow-icon\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                        <path d=\"M5 12h14M12 5l7 7-7 7\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/svg>\n                <\/a>\n                \n                <!-- Bot\u00e3o Terci\u00e1rio (opcional) -->\n                <a href=\"https:\/\/clickfinancas.com\/fr-cf\/carte-de-credit-carrefour-pass\/\" class=\"cta-button tertiary\">\n                    Carte de cr\u00e9dit Carrefour Pass\n                    <svg class=\"arrow-icon\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                        <path d=\"M5 12h14M12 5l7 7-7 7\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/svg>\n                <\/a>\n                \n                <!-- Bot\u00e3o Quatern\u00e1rio (opcional) -->\n                <a href=\"https:\/\/clickfinancas.com\/fr-cf\/carte-american-express-avantages-exclusifs-et-privileges-premium\/ \" class=\"cta-button quaternary\">\n                    Carte de cr\u00e9dit American Express\n                    <svg class=\"arrow-icon\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                        <path d=\"M5 12h14M12 5l7 7-7 7\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/svg>\n                <\/a>\n\n                <!-- Bot\u00e3o Quin\u00e1rio (opcional) -->\n\n                <!-- Bot\u00e3o Sen\u00e1rio (opcional) -->\n\n            <\/div>\n            \n            <!-- Texto de rodap\u00e9 -->\n            <span class=\"footer-text\">*Vous resterez sur le m\u00eame site<\/span>\n        <\/div>\n    <\/div>\n<\/div>\n\n<style>\n\/* Import da fonte Figtree *\/\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Figtree:wght@400;500;600;700&display=swap');\n\n\/* CSS do Block *\/\n.pis-calculator-block {\n    background-color: #ffffff;\n    padding: 40px;\n    border-radius: 12px;\n    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);\n    border: 0.5px solid #666666;\n    margin: 20px auto;\n    position: relative;\n    max-width: 900px;\n    font-family: 'Figtree', sans-serif;\n}\n\n.block-container {\n    max-width: 800px;\n    margin: 0 auto;\n    text-align: center;\n}\n\n\/* Imagem *\/\n.block-image {\n    margin-bottom: 30px;\n}\n\n.block-image img {\n    max-width: 100%;\n    height: auto;\n    border-radius: 8px;\n    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);\n}\n\n\/* Badge Recomendado *\/\n.recommended-label {\n    display: inline-block;\n    background-color: #f8f9fa;\n    color: #666;\n    padding: 8px 20px;\n    font-size: 14px;\n    font-weight: 500;\n    letter-spacing: 1px;\n    margin-bottom: 30px;\n    border-radius: 4px;\n    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);\n    font-family: 'Figtree', sans-serif;\n}\n\n\/* T\u00edtulo e Subt\u00edtulo *\/\n.block-title {\n    font-size: 36px !important;\n    font-weight: 700 !important;\n    color: #1a1a1a !important;\n    margin: 0 0 20px 0 !important;\n    line-height: 1.2 !important;\n    font-family: 'Figtree', sans-serif !important;\n}\n\n.block-subtitle {\n    font-size: 18px !important;\n    color: #666 !important;\n    margin: 0 0 30px 0 !important;\n    line-height: 1.5 !important;\n    font-family: 'Figtree', sans-serif !important;\n}\n\n\/* Container dos Bot\u00f5es - ESPA\u00c7AMENTO REDUZIDO *\/\n.buttons-container {\n    display: inline-flex;\n    flex-direction: column;\n    gap: 8px;\n    align-items: stretch;\n    margin-top: 25px;\n    width: auto;\n    margin-left: auto;\n    margin-right: auto;\n}\n\n\/* Bot\u00f5es - COM SOMBREAMENTO FORTE *\/\n.cta-button {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    gap: 10px;\n    background-color: #1e7e34;\n    color: white !important;\n    padding: 16px 36px;\n    font-size: 18px;\n    font-weight: 600;\n    text-decoration: none;\n    border-radius: 8px;\n    transition: all 0.3s ease;\n    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.9);\n    cursor: pointer;\n    width: 100%;\n    margin: 5px 0;\n    font-family: 'Figtree', sans-serif;\n    white-space: nowrap;\n}\n\n.cta-button:hover {\n    background-color: #155d27;\n    transform: translateY(-1px);\n    box-shadow: 0 6px 16px rgba(0, 0, 0, 0.9);\n    color: white !important;\n}\n\n\/* Bot\u00e3o Secund\u00e1rio *\/\n.cta-button.secondary {\n    background-color: #0066cc;\n}\n\n.cta-button.secondary:hover {\n    background-color: #0052a3;\n}\n\n\/* Bot\u00e3o Terci\u00e1rio *\/\n.cta-button.tertiary {\n    background-color: #6c757d;\n}\n\n.cta-button.tertiary:hover {\n    background-color: #5a6268;\n}\n\n\/* \u00cdcone de Seta *\/\n.arrow-icon {\n    width: 24px;\n    height: 24px;\n    transition: transform 0.3s ease;\n}\n\n.cta-button:hover .arrow-icon {\n    transform: translateX(5px);\n}\n\n\/* Texto de rodap\u00e9 *\/\n.footer-text {\n    font-size: 13px;\n    color: #999999;\n    margin-top: 20px;\n    margin-bottom: 0;\n    text-align: center;\n    font-family: 'Figtree', sans-serif;\n    font-style: italic;\n}\n\n\/* Desktop - 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Tablet *\/\n@media (max-width: 768px) {\n    .pis-calculator-block {\n        padding: 30px 20px;\n        margin: 15px;\n    }\n    \n    .block-title {\n        font-size: 28px !important;\n        margin-bottom: 15px !important;\n    }\n    \n    .block-subtitle {\n        font-size: 16px !important;\n        margin-bottom: 25px !important;\n    }\n    \n    .recommended-label {\n        font-size: 12px;\n        padding: 6px 16px;\n        margin-bottom: 20px;\n    }\n    \n    .cta-button {\n        font-size: 18px;\n        padding: 16px 30px;\n        width: 100%;\n        white-space: normal;\n    }\n    \n    .buttons-container {\n        gap: 6px;\n        margin-top: 20px;\n        width: 100%;\n        display: flex;\n    }\n    \n    .footer-text {\n        font-size: 12px;\n        margin-top: 15px;\n    }\n}\n\n\/* Responsividade - Mobile *\/\n@media (max-width: 480px) {\n    .pis-calculator-block {\n        padding: 20px 15px;\n        margin: 10px;\n        border-radius: 8px;\n    }\n    \n    .block-title {\n        font-size: 24px !important;\n        margin-bottom: 12px !important;\n    }\n    \n    .block-subtitle {\n        font-size: 14px !important;\n        margin-bottom: 20px !important;\n        padding: 0 10px !important;\n    }\n    \n    .recommended-label {\n        font-size: 11px;\n        padding: 5px 12px;\n        margin-bottom: 15px;\n        letter-spacing: 0.5px;\n    }\n    \n    .cta-button {\n        font-size: 16px;\n        padding: 14px 24px;\n        width: 100%;\n        gap: 8px;\n        margin: 3px 0;\n        white-space: normal;\n    }\n    \n    .arrow-icon {\n        width: 20px;\n        height: 20px;\n    }\n    \n    .buttons-container {\n        gap: 5px;\n        margin-top: 15px;\n        padding: 0 10px;\n        width: 100%;\n        display: flex;\n    }\n    \n    .block-image {\n        margin-bottom: 20px;\n    }\n    \n    .footer-text {\n        font-size: 11px;\n        margin-top: 12px;\n    }\n}\n\n\/* Responsividade - Mobile pequeno *\/\n@media (max-width: 360px) {\n    .pis-calculator-block {\n        padding: 15px 10px;\n    }\n    \n    .block-title {\n        font-size: 20px !important;\n    }\n    \n    .block-subtitle {\n        font-size: 13px !important;\n    }\n    \n    .cta-button {\n        font-size: 14px;\n        padding: 12px 20px;\n    }\n}\n\n\/* CSS para cores personaliz\u00e1veis *\/\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button {\n    background-color: #128722;\n}\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button:hover {\n    filter: brightness(0.9);\n}\n\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.secondary {\n    background-color: #128722;\n}\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.secondary:hover {\n    filter: brightness(0.9);\n}\n\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.tertiary {\n    background-color: #128722;\n}\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.tertiary:hover {\n    filter: brightness(0.9);\n}\n\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.quaternary {\n    background-color: #128722;\n}\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.quaternary:hover {\n    filter: brightness(0.9);\n}\n\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.quinary {\n    background-color: #128722;\n}\n.pis-calculator-block[data-block=\"En savoir plus sur les cartes de cr\u00e9dit\"] .cta-button.quinary:hover {\n    filter: brightness(0.9);\n}\n\n<\/style><\/div>\n\n\n<h2 class=\"wp-block-heading\">Structure \u00e9conomique et conditions tarifaires<\/h2>\n\n\n\n<p>La carte Auchan propos\u00e9e par Oney Banque fonctionne selon un mod\u00e8le combinant avantages commerciaux et services de cr\u00e9dit. La cotisation annuelle varie selon les formules commerciales, avec des montants g\u00e9n\u00e9ralement compris entre 15 et 45 euros par an.<\/p>\n\n\n\n<p>Cette tarification positionn\u00e9e en entr\u00e9e de gamme vise \u00e0 favoriser l&#8217;adh\u00e9sion massive des clients r\u00e9guliers des magasins Auchan.<\/p>\n\n\n\n<p>Les taux d&#8217;int\u00e9r\u00eat appliqu\u00e9s au cr\u00e9dit renouvelable associ\u00e9 s&#8217;\u00e9tablissent selon une grille variable en fonction des montants emprunt\u00e9s. Les TAEG constat\u00e9s sur ce segment oscillent habituellement entre 8,5% et 21% conform\u00e9ment aux seuils d&#8217;usure r\u00e9glementaires. <\/p>\n\n\n\n<p>Oney Banque propose r\u00e9guli\u00e8rement des op\u00e9rations de financement \u00e0 taux pr\u00e9f\u00e9rentiels voire \u00e0 0% sur des p\u00e9riodes d\u00e9finies pour stimuler les achats dans l&#8217;enseigne partenaire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avantages fid\u00e9lit\u00e9 et r\u00e9ductions commerciales<\/h2>\n\n\n\n<p>Le principal b\u00e9n\u00e9fice de la carte Auchan r\u00e9side dans son programme de fid\u00e9lit\u00e9 Waaoh. Ce syst\u00e8me permet d&#8217;accumuler des points de fid\u00e9lit\u00e9 sur l&#8217;ensemble des achats effectu\u00e9s dans les magasins Auchan et sur les sites internet du groupe. <\/p>\n\n\n\n<p>Le ratio d&#8217;accumulation varie selon les cat\u00e9gories de produits et les op\u00e9rations promotionnelles en cours, avec g\u00e9n\u00e9ralement un point pour chaque euro d\u00e9pens\u00e9 en utilisant la carte.<\/p>\n\n\n\n<p>Les points accumul\u00e9s peuvent \u00eatre convertis en bons d&#8217;achat utilisables lors de transactions futures. Le taux de conversion s&#8217;\u00e9tablit habituellement \u00e0 un centime d&#8217;euro par point, permettant ainsi de transformer 100 points en un bon de r\u00e9duction d&#8217;un euro.<\/p>\n\n\n\n<p> Des bonifications temporaires multiplient parfois la valeur des points sur des cat\u00e9gories de produits cibl\u00e9es ou pendant des p\u00e9riodes promotionnelles sp\u00e9cifiques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Modalit\u00e9s de paiement fractionn\u00e9<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Options de r\u00e8glement en 3 ou 4 fois sans frais sur une s\u00e9lection de produits et montants d&#8217;achat<\/li>\n\n\n\n<li>Fractionnements sur p\u00e9riodes plus longues avec application d&#8217;un taux d&#8217;int\u00e9r\u00eat d\u00e9fini contractuellement<\/li>\n\n\n\n<li>Possibilit\u00e9 de conversion d&#8217;un achat en paiement fractionn\u00e9 apr\u00e8s r\u00e9alisation de la transaction initiale<\/li>\n\n\n\n<li>Remboursements anticip\u00e9s autoris\u00e9s sans p\u00e9nalit\u00e9 pour r\u00e9duire la dur\u00e9e et le co\u00fbt du cr\u00e9dit<\/li>\n\n\n\n<li>Pr\u00e9l\u00e8vements automatiques mensuels avec possibilit\u00e9 de majoration du montant \u00e0 tout moment<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Fonctionnement de la r\u00e9serve de cr\u00e9dit<\/h2>\n\n\n\n<p>La carte Auchan int\u00e8gre une r\u00e9serve de cr\u00e9dit renouvelable dont le montant est d\u00e9termin\u00e9 lors de l&#8217;analyse du dossier de souscription. Les montants accord\u00e9s varient g\u00e9n\u00e9ralement de quelques centaines \u00e0 plusieurs milliers d&#8217;euros selon les revenus et la situation financi\u00e8re du demandeur. Cette r\u00e9serve peut \u00eatre utilis\u00e9e pour les achats dans l&#8217;enseigne Auchan mais \u00e9galement dans tous les commerces acceptant les cartes Mastercard.<\/p>\n\n\n\n<p>Le m\u00e9canisme de remboursement pr\u00e9voit un pr\u00e9l\u00e8vement mensuel automatique comprenant une fraction du capital emprunt\u00e9 et les int\u00e9r\u00eats dus. Le montant minimal correspond \u00e0 un pourcentage d\u00e9fini contractuellement, g\u00e9n\u00e9ralement autour de 3 \u00e0 5% du capital utilis\u00e9 avec un minimum absolu variable selon les contrats. Le titulaire conserve la libert\u00e9 d&#8217;effectuer des versements sup\u00e9rieurs pour acc\u00e9l\u00e9rer l&#8217;extinction de la dette.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conditions d&#8217;obtention et proc\u00e9dure de souscription<\/h2>\n\n\n\n<p>L&#8217;acc\u00e8s \u00e0 la carte Auchan n\u00e9cessite de r\u00e9pondre \u00e0 plusieurs crit\u00e8res d&#8217;\u00e9ligibilit\u00e9. Le demandeur doit \u00eatre majeur, r\u00e9sider en France et disposer de revenus r\u00e9guliers. Les seuils de revenus minimaux requis demeurent accessibles, facilitant l&#8217;obtention pour une large base de client\u00e8le. La souscription peut s&#8217;effectuer directement en magasin lors d&#8217;un passage en caisse ou en ligne via le site internet Oney ou Auchan.<\/p>\n\n\n\n<p>Le processus de demande requiert la fourniture d&#8217;informations personnelles, professionnelles et bancaires. La constitution du dossier n\u00e9cessite une pi\u00e8ce d&#8217;identit\u00e9, un justificatif de domicile r\u00e9cent et un relev\u00e9 d&#8217;identit\u00e9 bancaire. L&#8217;analyse automatis\u00e9e du dossier d\u00e9livre g\u00e9n\u00e9ralement une r\u00e9ponse de principe en quelques minutes. La validation d\u00e9finitive et l&#8217;\u00e9mission de la carte interviennent apr\u00e8s v\u00e9rification des justificatifs et expiration du d\u00e9lai de r\u00e9tractation l\u00e9gal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Services digitaux et gestion en ligne<\/h2>\n\n\n\n<p>L&#8217;espace client Oney accessible via le site internet et l&#8217;application mobile permet une gestion autonome de la carte et du cr\u00e9dit associ\u00e9. Les fonctionnalit\u00e9s disponibles incluent la consultation des op\u00e9rations r\u00e9centes, le suivi du montant de cr\u00e9dit disponible, la visualisation des mensualit\u00e9s \u00e0 venir et la r\u00e9alisation de paiements anticip\u00e9s. L&#8217;interface affiche \u00e9galement le solde de points de fid\u00e9lit\u00e9 Waaoh et permet de demander la conversion en bons d&#8217;achat.<\/p>\n\n\n\n<p>Le syst\u00e8me de notification configurable envoie des alertes lors de chaque transaction ou lorsque le solde disponible atteint un seuil d\u00e9fini. Cette fonctionnalit\u00e9 permet de maintenir un contr\u00f4le constant sur l&#8217;utilisation de la carte et de d\u00e9tecter rapidement toute anomalie susceptible d&#8217;indiquer une utilisation frauduleuse.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dispositifs de s\u00e9curit\u00e9 transactionnelle<\/h2>\n\n\n\n<p>Les paiements effectu\u00e9s avec la carte Auchan b\u00e9n\u00e9ficient des standards de s\u00e9curit\u00e9 du r\u00e9seau Mastercard. Le protocole 3D Secure impose une authentification renforc\u00e9e pour les transactions en ligne via la validation par code \u00e0 usage unique. Ce dispositif conforme aux directives europ\u00e9ennes DSP2 r\u00e9duit consid\u00e9rablement les risques de fraude sur les paiements \u00e0 distance.<\/p>\n\n\n\n<p>Les syst\u00e8mes de d\u00e9tection analysent en temps r\u00e9el chaque op\u00e9ration pour identifier les comportements suspects. Les crit\u00e8res d&#8217;analyse incluent le montant de la transaction, la localisation g\u00e9ographique, la fr\u00e9quence des op\u00e9rations et l&#8217;historique du porteur. Les transactions pr\u00e9sentant des caract\u00e9ristiques atypiques peuvent d\u00e9clencher une proc\u00e9dure de validation compl\u00e9mentaire ou un blocage temporaire pour v\u00e9rification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Obligations r\u00e9glementaires et protection du consommateur<\/h2>\n\n\n\n<p>Oney Banque est soumis \u00e0 l&#8217;ensemble des obligations r\u00e9glementaires encadrant les cr\u00e9dits renouvelables en France. L&#8217;\u00e9tablissement doit proc\u00e9der annuellement \u00e0 une v\u00e9rification de la solvabilit\u00e9 du titulaire et ajuster si n\u00e9cessaire le montant de la r\u00e9serve disponible. Les relev\u00e9s mensuels d\u00e9taill\u00e9s permettent au porteur de suivre l&#8217;\u00e9volution de son endettement et de prendre des d\u00e9cisions \u00e9clair\u00e9es concernant l&#8217;utilisation du cr\u00e9dit.<\/p>\n\n\n\n<p>Le d\u00e9lai de r\u00e9tractation de 14 jours s&#8217;applique \u00e0 compter de la signature du contrat de cr\u00e9dit. Durant cette p\u00e9riode, le souscripteur peut annuler son engagement sans justification. Si le cr\u00e9dit a \u00e9t\u00e9 utilis\u00e9 pendant le d\u00e9lai de r\u00e9tractation, les sommes emprunt\u00e9es doivent \u00eatre restitu\u00e9es avec les int\u00e9r\u00eats calcul\u00e9s au jour le jour depuis la date de d\u00e9blocage des fonds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions fr\u00e9quentes<\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-e439db5c uagb-faq-icon-row-reverse uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-d25b5a3b \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M416 352c-8.188 0-16.38-3.125-22.62-9.375L224 173.3l-169.4 169.4c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25l192-192c12.5-12.5 32.75-12.5 45.25 0l192 192c12.5 12.5 12.5 32.75 0 45.25C432.4 348.9 424.2 352 416 352z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Comment fonctionne le programme de fid\u00e9lit\u00e9 Waaoh ?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Le programme Waaoh attribue des points sur les achats r\u00e9alis\u00e9s dans l&#8217;enseigne Auchan en utilisant la carte. Le ratio d&#8217;accumulation standard correspond g\u00e9n\u00e9ralement \u00e0 un point par euro d\u00e9pens\u00e9, avec des bonifications possibles sur certains produits ou p\u00e9riodes. Les points accumul\u00e9s se convertissent en bons d&#8217;achat utilisables lors de transactions futures.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-c0113fcc \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M416 352c-8.188 0-16.38-3.125-22.62-9.375L224 173.3l-169.4 169.4c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25l192-192c12.5-12.5 32.75-12.5 45.25 0l192 192c12.5 12.5 12.5 32.75 0 45.25C432.4 348.9 424.2 352 416 352z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Peut-on utiliser la carte Auchan en dehors des magasins de l&#8217;enseigne ?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>La carte fonctionne dans l&#8217;ensemble des commerces physiques et en ligne acceptant les cartes Mastercard, en France comme \u00e0 l&#8217;\u00e9tranger. Les avantages de fid\u00e9lit\u00e9 et les r\u00e9ductions promotionnelles restent toutefois sp\u00e9cifiques aux achats effectu\u00e9s dans le r\u00e9seau Auchan.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-0ca30af7 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M416 352c-8.188 0-16.38-3.125-22.62-9.375L224 173.3l-169.4 169.4c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25l192-192c12.5-12.5 32.75-12.5 45.25 0l192 192c12.5 12.5 12.5 32.75 0 45.25C432.4 348.9 424.2 352 416 352z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Quelle est la dur\u00e9e maximale d&#8217;un paiement fractionn\u00e9 ?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Les dur\u00e9es de fractionnement varient selon les montants d&#8217;achat et les conditions commerciales. Les paiements en 3 ou 4 fois sans frais concernent g\u00e9n\u00e9ralement des p\u00e9riodes de quelques mois. Les fractionnements plus longs avec int\u00e9r\u00eats peuvent s&#8217;\u00e9tendre sur 12, 24 ou 36 mois selon les montants emprunt\u00e9s et les capacit\u00e9s de remboursement.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-e92c5e30 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M416 352c-8.188 0-16.38-3.125-22.62-9.375L224 173.3l-169.4 169.4c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25l192-192c12.5-12.5 32.75-12.5 45.25 0l192 192c12.5 12.5 12.5 32.75 0 45.25C432.4 348.9 424.2 352 416 352z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Comment consulter le montant de cr\u00e9dit encore disponible ?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Le montant de la r\u00e9serve disponible est consultable \u00e0 tout moment via l&#8217;espace client en ligne ou l&#8217;application mobile Oney. Les relev\u00e9s mensuels papier ou \u00e9lectroniques indiquent \u00e9galement le montant disponible, le capital utilis\u00e9 et les int\u00e9r\u00eats factur\u00e9s. Le service client t\u00e9l\u00e9phonique peut \u00e9galement communiquer cette information.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f0164474 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M416 352c-8.188 0-16.38-3.125-22.62-9.375L224 173.3l-169.4 169.4c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25l192-192c12.5-12.5 32.75-12.5 45.25 0l192 192c12.5 12.5 12.5 32.75 0 45.25C432.4 348.9 424.2 352 416 352z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Que faire si le remboursement des mensualit\u00e9s devient difficile ?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>En cas de difficult\u00e9s financi\u00e8res, il est imp\u00e9ratif de contacter rapidement Oney Banque pour exposer la situation. Des am\u00e9nagements peuvent parfois \u00eatre n\u00e9goci\u00e9s tels qu&#8217;un \u00e9talement des mensualit\u00e9s ou une suspension temporaire des pr\u00e9l\u00e8vements.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-17fb83fe \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M416 352c-8.188 0-16.38-3.125-22.62-9.375L224 173.3l-169.4 169.4c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25l192-192c12.5-12.5 32.75-12.5 45.25 0l192 192c12.5 12.5 12.5 32.75 0 45.25C432.4 348.9 424.2 352 416 352z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Quels sont les frais li\u00e9s \u00e0 l\u2019utilisation de la Carte Oney Banque Auchan ?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>La carte peut comporter une cotisation annuelle ainsi que des frais associ\u00e9s \u00e0 l\u2019utilisation du cr\u00e9dit renouvelable (taux d\u2019int\u00e9r\u00eat appliqu\u00e9 aux sommes utilis\u00e9es). Des frais sp\u00e9cifiques peuvent \u00e9galement \u00eatre factur\u00e9s lors de retraits d\u2019esp\u00e8ces, de paiements en devises \u00e9trang\u00e8res ou en cas d\u2019incident de paiement.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Avec la Carte de Cr\u00e9dit Oney Banque Auchan, simplifiez vos achats gr\u00e2ce au paiement flexible et \u00e0 des services adapt\u00e9s \u00e0 votre quotidien.<\/p>\n","protected":false},"author":74,"featured_media":19466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-19079","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-carte-de-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.5 (Yoast SEO v24.2) - 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