Bank publishes for the third consecutive year the results of a survey on the budget and the good plans of the French for Christmas. A budget down $ 22.00 for the year 2019, compared to that of 2018. 11% of the French questioned by the CSA Research institute even count in priority on a payment facility or a consumer credit to fill their hood. Focus on all the key figures from the survey.
Christmas 2019: what is the budget of the French?
The perception of the French on the decline in purchasing power is found under the tree. According to the recent survey led by CSA Research for Bank and Rakuten, the French budget for Christmas 2019 fell by $ 22.00, going from $ 571.00 in 2018 to $ 549.00 for December 2019. 39% of this total budget will be devoted to various online purchases, ie $ 215.00 on average.
What are the most used means of financing?
More than two in three French people (68%) will simply dip into their budget dedicated to current expenses to make their Christmas gifts and do their various shopping.
29% rely primarily on gift vouchers or vouchers to finance most of the purchases. 21% of respondents have no choice but to take some money out of their piggy bank. Finally, we note that 11% of French people rely on a payment facility or a consumer loan to know the pleasure of offering.
Which credits are best suited for Christmas?
Payment in 3x or 4x by bank card
The easiest way to finance purchases on credit is through a credit card payment facility. Payment in three or four times is implemented by hundreds of e-commerce sites. Cdiscount offers for example a payment in several times by CB in partnership with bank cors. The credit organization Oney, specialist in payments in several installments, is also partner with more than a hundred sites.
Small revolving credit can be obtained directly in certain stores, through a payment and loyalty card. We are talking about affected credit. In this case, it is important to check that the rate applied is not exaggerated. In some cases, the brands practice zero-rate credit solutions. It is also possible to obtain a revolving credit online, via our comparator. Be careful however to anticipate the request in order to receive the money before Christmas. A fast consumer credit is obtained in 10 to 12 days on average.