Crédit Agricole offers a wide range of bank cards to meet the needs of its customers. For security reasons, they are subject to a ceiling. This is a limit on the amount of money the cardholder can spend over a set period. I explain to you what you need to know about credit card limits at Crédit Agricole.
The use of a bank card is not without limits. Each financial institution sets ceilings according to the range of the card as well as the agreement concluded between the account holder and the bank. This limitation makes it possible in particular to:
The amount of the ceiling is defined when the account is opened. To find out, you can look for information in the personal space or contact an advisor.
There are two types of credit card limits: the payment limit and the withdrawal limit. They designate the maximum threshold not to be exceeded over a given period. Beyond a certain amount, you can no longer pay for a purchase or withdraw money.
Limits are generally set over a period of 7 days for withdrawals and 30 days for payments. If you have exceeded the authorized limit, your card will be automatically blocked. You will therefore have to let the sliding days pass before you can use your bank card again.
When the waiting period is reached, the Crédit Agricole card limit then returns to zero. Note that the limits are not renewed at the beginning of each month, but according to the day on which you carried out an operation. Indeed, rolling days are calculated from the day you reach the limit.
In practice, the counter is reset on the 8th day for withdrawals and the day after the 30th day for payments.
The maximum amount of Crédit Agricole cards varies from one user to another. Indeed, it is quite possible to personalize the limitation of your bank card. This change can be made for a fixed period or for an unlimited period.
For example, if you have more spending than expected over a month, you can temporarily increase the limit of your bank card. To do this, you can use the My Bank application, developed by Crédit Agricole. It makes it easy to do things remotely. Otherwise, you can also contact a bank advisor.
You can therefore choose your bank card according to your expectations. I offer you a summary of Crédit Agricole cards.
This Crédit Agricole MasterCard card can be used in France and abroad. It is aimed at young people aged 12 to 25. In concrete terms, the account holder must be between 12 and 17 years old at the time of subscription. The card can then be renewed for up to 25 years.
The Mozaïc card is the perfect solution to familiarize yourself with the world of banking. It is available in two versions:
The withdrawal limit for this card is 300 euros per week. For minors, the bank card is systematically checked at each withdrawal or payment attempt. On the other hand, adults under the age of 25 have access to the card without a balance check.
This bank card is intended for people wishing to control their expenses as much as possible. It allows you to withdraw money or pay for your purchases in France and abroad. It is an immediate debit card, meaning that your withdrawals and payments are debited instantly from your account.
With each transaction, your balance is consulted. If your account is not funded, the transaction will be declined.
The maximum limit of this card is 300 euros for withdrawal, defined over 7 days. The payment ceiling, meanwhile, is 750 euros, defined over 30 days.
It is a withdrawal and payment card provided by MasterCard. The Maestro card is an international card with systematic authorization. Indeed, the card requires authorization from the bank before each transaction. If the requested balance is not available, the operation is refused.
With a Maestro card, you will never be overdrawn. However, not all banks offer this card. It can be used at most merchants displaying the CB logo (in France) or the Maestro logo (abroad and on the Internet).
Accessible from the age of 16, it is mainly intended for young people with no regular income. It is also intended for users designated as “fragile”. These are people with a sensitive financial profile.
By opting for the Maestro card, the maximum authorized limit per week is 500 euros for withdrawals, and 1000 euros per month for payments.
The EKO package includes a current account, an international payment bank card, and an online personal space on the Ma Banque mobile application. For only 2 euros per month, or 24 euros per year, you can manage your personal finances from your smartphone. This offer appeals to young people a lot, but not only. It is open to anyone over the age of 18, regardless of income.
With the EKO card, no overdraft is allowed. To validate a transaction, you must have the requested amount in your account.
The limits are customizable according to your income and your needs. But in general, the withdrawal is limited to 300 euros per week and the payment to 1200 euros per month.
The MasterCard allows payments to be made in-store or remotely, whether in France or abroad. It is accompanied by assistance and insurance services. In addition to an international card, you also benefit from travel guarantees and advantages on your travels.
By choosing the Crédit Agricole MasterCard, you are faced with usage limits. The maximum amount of withdrawals is 450 euros over 7 consecutive days. As for payments, you are limited to 2600 euros over a month.
This card is valid on French territory and abroad. This is a deferred debit card that includes insurance and assistance services. It allows free and unlimited withdrawals in the euro zone.
It is the ideal card for travelers who travel a lot in the euro zone. For withdrawals abroad, a fee of 2% on the amount to be withdrawn is to be expected.
The withdrawal limit is set at 1500 euros over 7 days. Payments are limited to 6,000 euros over a month.
This is a very high end card. It is completed with a bank account at Crédit Agricole. Withdrawal and payment limits are customizable and high. In addition, you can opt for immediate or deferred debit.
The Visa Infinite card is intended for users with a high income. It allows you to benefit from daily freedom of action and flexibility in your expenses.
For more comfort, the withdrawal limit is unlimited. It is only advisable to set a ceiling of 5000 euros per week. The monthly payment ceiling is customizable between 15,000 euros and 50,000 euros.
The World Elite card is the most prestigious range of the MasterCard network. According to the agreement determined with your adviser, the maximum amount you can benefit from can be adjusted at any time. It also features enhanced insurance and assistance services.
With this bank card, withdrawals and purchases are unlimited. However, a ceiling of 5000 euros is recommended for withdrawals. For payments, the ceiling is customizable between 15,000 and 50,000 euros.