Related advertising: Issuance and maintenance of a credit card with the deferred payment option.
1. The deferred (revolving) payment method consists of paying for the entire credit used in monthly instalments, with interest. Representative example calculated for repaying credit of €1,500 used on 01-04-2022 (total amount of the credit) with the deferred payment method over 48 months (first effective payment on 01-05-2022): AER 22.42% NIR: 20.40%. Total amount owed: €2,206.23. Total cost of credit (interest payments): €706.23. Monthly payments: 47 instalments of €45.97 and a final payment of €45.64. French repayment system. The foregoing assumes that no new transactions are made that increase the card's outstanding balance and that the debt is formalised at the beginning of the period.
You can view the usual prices of the most common banking services at www.caixabank.es/particular/general/tarifascomisiones_es.
2. Although you can choose the monthly payment amount, there is a minimum monthly amount set to reduce the risk of excessive prolongation of the debt repayment period: the result of adding 0.8% to the monthly NIR (obtained by dividing the annual NIR by 12) and multiplying it by the card's credit limit.
Credit cards are granted subject to analysis of the applicant's credit rating and ability to repay the sum, in accordance with the risk policies of CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U.
* Card issued by CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U., with Tax ID A-08980153, a hybrid payment institution registered in the Bank of Spain Official Register of Companies under number 8776. CaixaBank, S.A. acts as the agent of the card issuing entity. The system chosen by CaixaBank Payments & Consumer to protect payment service users' funds is to deposit them in a separate account opened with CaixaBank, S.A.
In addition to Visa &Go, different financing options are available. Ask your branch for information about the best option for your needs.
IRN: 21231-2022-05555
