Loans and Credits in Crédit Agricole Online
Let’s learn more about this bank. The French company CA Consumer Finance, SA – is the undisputed leader in consumer credit in the country, as well as throughout Europe. This company is very credible, mainly because it is under the patronage of the French banking group Crédit Agricole, CA Consumer Finance, SA In addition, the bank is recognized as one of the largest in twenty-three countries in Europe. Its range of financial services is quite broad. Being a client of CA Consumer Finance, SA is very profitable and easy – you can do it in just four steps. Later we talk about it.
With the help of CA Consumer Finance, SA You can contract an amount of 5,000 to 500,000 euros per term deposit agreement. You have the right to subscribe to a variety of contracts with a time deposit, the timing and the desired amount, the amount of which will depend on you.
CA Consumer Finance provides only term deposits. How this product works: they invest in the bank account of a certain amount within the established period and the bank promises to pay their money at a certain interest rate during the term of the deposit. Interest is paid annually or twice a year (depending on the duration of the deposit) in your account tied to a fixed deposit.
Making new contributions to the bond and valid term is not possible in CA Consumer Finance. If you sign a fixed-term contract, and later you want to pay an additional amount, you will have to open a new contribution.
The company has a highly developed Internet service management. With the help of the online CA Consumer Finance service, you can always see the status of your contributions (amounts, associated account deadlines, etc.). Online – management is very important because it is the main channel for customer communication with the bank’s advisers, and they often have to use this service. Therefore, it is important to have Internet knowledge – surfing and keep in touch.
If you decide to pay your deposit in advance, it is necessary to request this service by post by registered letter with acknowledgment of receipt to the branch address in San Sebastian, Spain.
In the letter that has to be your signature, the date and the name, identity document and the address of the sender. The cancellation will take place during thirty two days from the date of sending the request. Then, you will certainly have the amount of the payment (plus accrued interest), net of a fine, which will impose the size of the company according to the column in the “Terms and Conditions”. The fine can not exceed the amount of interest accrued from the beginning of the deposit in any case.
Fortunately, the cancellation process can be simplified, literally, without great effort. To do this, simply print and complete the form, which is on the company’s website, and then send it to the specified email.
And now we come to the most important issue – what actions should I commit to opening a fixed-term deposit at CA Consumer Finance, SA?
– First, please fill out an online application form on the website. Simply click on «Contract deposit» and enter the necessary data.
– Next, you get to the bank’s documentation (pre-contractual documents and a welcome letter), you need to read the terms and sign documents on all the sheets and send them together with a messenger.
– Next, the bank will take several days to confirm your identity.
Agreement on the term deposit will not take effect until the necessary amount is made to the bank account belonging to CA Consumer Finance, SA, which will be informed of the employees of the bank. Upon receipt of the amount, SMS is reached – message to the email address that will contain the code to access the online service.
It should be borne in mind that not everyone can open a time deposit. It is not possible for the following categories:
– If an applicant does not have the right to open his own account (under 18, etc.);
– If an applicant already has bad credit experience in Spain or is among the debtors.
– If an applicant is not able to confirm his place of residence in Spain.
Regarding the commission and other expenses, CA Consumer Finance, SA does not charge anything.