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provisio revolving credit

Provisio revolving credit

Credit

Provisio

The PROVISIO revolving credit is available for bank transfer, or, if you sign up for the credit option, with your Visa Classic, Premier or Infinite card.(1)

  • NO APPLICATION FEE

(1) Subject to eligibility and approval by BNP Paribas.

In detail

Amount

An available line of credit You control your budget

Your allocated revolving credit is gradually generated by the amounts you repay.

Advantage

FREE EXTENSIONMANUFACTURER’S WARRANTY(2)

By using the Provisio revolving credit option associated with your VISA Classic, Premier or Infinite card, you benefit from free manufacturer's warranty extensions for all your cash or credit purchases.

(2) For terms and conditions, please contact your branch.

Usage

Ease of useIn-store choice

With the Provisio revolving credit option associated with your VISA Classic, Premier or Infinite card, you may choose your means of payment at your merchant's payment terminal.(1)

(1) Subject to eligibility and approval by BNP Paribas.

Further details

Detailed characteristics of

Provisio

Download the pdf

  • Eligibility, usage, amount, term, interest rate
  • Supporting documents, legal withdrawal period
  • Credit Use, account statement
  • Repayment, insurance, closure
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Eligibility

To sign up for Provisio revolving credit,(1) you must be of legal age and a BNP Paribas accountholder, with no other BNP Paribas revolving credit.

If you wish to sign up for the Provisio revolving credit payment option, you must also be a VISA Classic, Premier, or Infinite cardholder.

(1) Subject to eligibility and approval by BNP Paribas.

Usage

Your allocated credit is gradually generated by the amounts you repay, which become available for subsequent use, up to the limit of the amount in your line of credit.

Amount

You can borrow from €750 to €21,500(2) based on your needs and your ability to repay.

(2) Subject to eligibility and approval by BNP Paribas.

Term

The term of your Provisio revolving credit is one year, which may be renewed.

Interest rate

The total cost of your Provisio revolving credit depends on the use you make of it, and it varies with the amount and term for which you use it.

For agreements entered into as of 2014-11-01:

Credit Utilization Brackets applied to your revolving credit

Annual nominal interest rate

From €750 to €3,000

15.50%

From €3,000.01 to €6,000

13.65%

From €6000.01 to €15,000

9.05%

From €15,000.01 to €21,500

9.05%

For example:

23 monthly payments of €50 and an adjusted last payment of €14.23
Adjustable APR: 16.65%(3)
Total amount due: €1,164.23
A line of credit is a legal commitment and must be repaid. Please verify your ability to repay before signing up.

For example: for a revolving line of credit in the amount of €1,000, used all at once in full (from 2014-07-26 onwards) under the normal conditions of your revolving credit, with no possible reuse:
Over 24 months you would make 23 monthly payments of €50 and one last adjusted payment of €14.23, not including optional insurance, at the adjustable Annual Percentage Rate of 16.65% (adjustable borrowing rate of 15.50% annually) for an amount due of €1,164.23. Interest: €164.23.

If you sign up for the optional insurance(4) (Death, Complete and Irreversible Loss of Independence and Total Temporary Incapacity to Work, Loss of Employment following Dismissal), the maximum cost of the optional insurance(4) is €3.50 per month up until 59 years of age, €4.80 per month from 60 to 64 years of age and €6.50 per month thereafter. This cost is included in your monthly payment and entails an extension of the term of the loan. One year revolving credit agreement. Financial and contractual terms and conditions in effect as of 2014-11-01. Representative example reported under Article L311-4 of the Consumer Code.

The PROVISIO offer is for one-year of revolving credit, which may be renewed. You have a legal withdrawal period of 14 calendar days from the date when you accept the loan agreement.

(3) Annual Percentage Rate (APR) in effect on 2014-11-01 not including optional insurance, subject to acceptance of your application by BNP Paribas.
(4) Insurance policy offered by Cardif Assurance Vie (life insurance) and Cardif Assurance Risques Divers (casualty insurance).

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In addition

  • Carte Visa ClassicCardsVisa Classic CardMake purchases and withdraw money both in France and abroad.
  • Prêt diversLoansMISCELLANEOUS LOANA personal loan to help you carry out all your plans.
  • terceo-vignetteCardsTercéoThe three-installment payment option for purchases made with your debit card.

Have a question?

Our advisors are here to assist you.


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For assistance or to make a claim/contest a charge, your advisor can be reached on their direct line (a standard rate call).

BNP Paribas, limited company with a capital of €2,492,770,306 – Headquarters: 16 boulevard des Italiens, 75009 Paris. Registered with the Paris RCS (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.

Cardif Assurance Vie, limited company with a capital of €717,559,216 – registered with the Paris RCS (Trade and Companies Registry) as No. 732 028 154 – regulated by the French Insurance Code – Headquarters: 1 boulevard Haussmann, 75009 Paris – Offices: 8 rue du Port, 92728 Nanterre Cedex, France – Tel. 01 41 42 83 00