Silver: the French, even affluent, often short – Le Parisien

Silver: the French, even affluent, often short – Le Parisien

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“I’m still in the red! “61% of French people think (or pronounce) this phrase at least once a year according to an exclusive study of comparison of financial institutions * Panorabanques. What is the profile of the French short? How to explain such behavior in people who may have no concern for money, with monthly salaries of some € 3,000 or more? And how can they reduce the costs associated with those discovered in rehearsal?

61% of French short at least once a year. Nearly two-thirds of French exceed their overdraft at least once a year, and a quarter (24%) at least once a month.
                         
                 
                  <- hard dé e: 0.065596103668213 sec -> “A fairly steady rate,” according Panorabanques. Logically, people in financial difficulty are usually short (27% of people whose income is less than € 1,500 exceed their authority at least once a month). “But there also has discovered addicts ensures William Clavel, President Panorabanques. Thus, 51% of French who make monthly payments of more than 3 000 are in bright red at least once a year. “

Neglect, through a homegrown … Three-quarters of those surveyed explained be exceeded due to financial difficulties. But can we also talk about bank phobia? According to the study, “one in four agrees that it is in excess because it is mismanaging his account.” “People who have savings accounts with well sometimes do not have the reflex to make transfers. Better management of their accounts would allow them to save money, “said William Clavel.

In case of problems, act as if nothing had happened … Facing this situation, many people act as if nothing had happened, the famous ostrich policy. Nearly half of them do not come in connection with their banker to prevent it. “Now the bank is more understanding when it is prevented, says William Clavel. It will charge the bank charges, but not necessarily the commission of intervention, which is the most expensive. “


 Set up alerts! one bank to another, billing intervention commissions vary significantly. But the study points out that 14 banks charge fees below the legal limit. “With the Internet and mobile applications, it is also becoming increasingly easy to manage and view their account daily, and set up alerts when the account comes under a certain threshold. Another tip: choose a credit card that requires systematic authorization every time

* Survey conducted on the Internet in 2014 with 31,945 people aged 18-50 years