{"id":2542,"date":"2021-11-05T10:26:46","date_gmt":"2021-11-05T10:26:46","guid":{"rendered":"https:\/\/www.bling.eu\/media\/?p=2542"},"modified":"2023-05-29T10:59:30","modified_gmt":"2023-05-29T10:59:30","slug":"consequences-decouvert-non-paye","status":"publish","type":"post","link":"https:\/\/www.bling.eu\/media\/consequences-decouvert-non-paye\/","title":{"rendered":"D\u00e9couvert non pay\u00e9 : gravit\u00e9, cons\u00e9quences et solutions"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">D\u00e9couvert non pay\u00e9, il fait souvent peur surtout \u00e0 ceux qui sont souvent \u00e0 d\u00e9couvert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre compte bancaire passe r\u00e9guli\u00e8rement dans le rouge et vous vous demandez si votre banque va vous sanctionner ou vous demander de payer des indemnit\u00e9s ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pas de panique, on vous explique tout ce que vous devez savoir sur les cons\u00e9quences du d\u00e9couvert bancaire, en fonction de votre situation.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>\ud83d\udcce Dans cet article :<\/h2><ul><li><a href=\"#h-quand-est-ce-qu-on-est-en-decouvert-bancaire\" data-level=\"2\">Quand est-ce qu\u2019on est en d\u00e9couvert bancaire ?<\/a><\/li><li><a href=\"#h-le-decouvert-bancaire-autorise-qui-n-est-en-fait-que-tolere\" data-level=\"2\">Le d\u00e9couvert bancaire autoris\u00e9 (qui n\u2019est en fait que tol\u00e9r\u00e9)<\/a><\/li><li><a href=\"#h-le-decouvert-bancaire-non-autorise-qui-n-est-pas-du-tout-tolere\" data-level=\"2\">Le d\u00e9couvert bancaire non autoris\u00e9 (qui n\u2019est pas du tout tol\u00e9r\u00e9 !)<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quand-est-ce-qu-on-est-en-decouvert-bancaire\">Quand est-ce qu\u2019on est en d\u00e9couvert bancaire ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le d\u00e9couvert bancaire, c\u2019est tout simplement ce qu\u2019il se produit lorsque vous avez <strong>d\u00e9pens\u00e9 plus d\u2019argent que vous n\u2019en aviez sur votre compte courant.<\/strong> Vous \u00eates donc en situation de d\u00e9couvert lorsque votre compte passe en n\u00e9gatif, qu\u2019il est <strong>d\u00e9biteur<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cette position, votre banque peut se montrer tol\u00e9rante si le d\u00e9couvert reste modeste, mais il faut garder en t\u00eate qu\u2019elle peut tout aussi bien vous sanctionner m\u00e9chamment d\u00e8s le premier euro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toujours est-il que si votre d\u00e9couvert se creuse et surtout s\u2019il dure un peu trop longtemps, la situation peut vite devenir beaucoup plus tendue ! C\u2019est l\u00e0 toute la diff\u00e9rence \u00e0 conna\u00eetre entre <strong>d\u00e9couvert autoris\u00e9 et d\u00e9couvert non-autoris\u00e9<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <em><strong>\u00c0 lire aussi :<\/strong> <a href=\"https:\/\/www.bling.eu\/media\/decouvert-bancaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9couvert bancaire : tout ce que vous devez savoir !<\/a><\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/bling.eu\/fr\/coming-soon?utm_source=blog&utm_medium=article&utm_campaign=post%3D2542\" target=\"_blank\" rel=\"noreferrer noopener\"><img  loading=\"lazy\"  decoding=\"async\"  width=\"720\"  height=\"230\"  src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABAQMAAAAl21bKAAAAA1BMVEUAAP+KeNJXAAAAAXRSTlMAQObYZgAAAAlwSFlzAAAOxAAADsQBlSsOGwAAAApJREFUCNdjYAAAAAIAAeIhvDMAAAAASUVORK5CYII=\"  alt=\"\"  class=\"wp-image-3861 pk-lazyload\"  data-pk-sizes=\"auto\"  data-ls-sizes=\"auto, (max-width: 720px) 100vw, 720px\"  data-pk-src=\"https:\/\/www.bling.eu\/media\/wp-content\/uploads\/2022\/10\/BANNER-v1.png\"  data-pk-srcset=\"https:\/\/www.bling.eu\/media\/wp-content\/uploads\/2022\/10\/BANNER-v1.png 720w, https:\/\/www.bling.eu\/media\/wp-content\/uploads\/2022\/10\/BANNER-v1-300x96.png 300w, https:\/\/www.bling.eu\/media\/wp-content\/uploads\/2022\/10\/BANNER-v1-640x204.png 640w, https:\/\/www.bling.eu\/media\/wp-content\/uploads\/2022\/10\/BANNER-v1-600x192.png 600w\" ><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-le-decouvert-bancaire-autorise-qui-n-est-en-fait-que-tolere\">Le d\u00e9couvert bancaire autoris\u00e9 (qui n\u2019est en fait que tol\u00e9r\u00e9)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qu\u2019est-ce que c\u2019est ?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le d\u00e9couvert autoris\u00e9, c\u2019est en quelque sorte <strong>une avance que votre banque vous accorde<\/strong> et qui est <strong>pr\u00e9vue d\u00e8s la signature de votre contrat <\/strong>au moment de l\u2019ouverture du compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce d\u00e9couvert tol\u00e9r\u00e9 vous permet d\u2019effectuer des op\u00e9rations bancaires (r\u00e8glement par ch\u00e8que, paiement par carte de cr\u00e9dit, pr\u00e9l\u00e8vement\u2026) m\u00eame si votre compte est d\u00e9biteur, dans la limite d\u2019un certain montant et pour une certaine dur\u00e9e bien s\u00fbr !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong><em>\u00c0 lire aussi : <\/em><\/strong><em><a href=\"https:\/\/www.bling.eu\/media\/sortir-de-son-decouvert-bancaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">Comment sortir rapidement de votre d\u00e9couvert bancaire<\/a><\/em> ?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont ces cons\u00e9quences ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00catre en situation de d\u00e9couvert autoris\u00e9 n\u2019entra\u00eene <strong>aucune sanction particuli\u00e8re <\/strong>de la part de votre banque, toutefois vous devez rapidement r\u00e9approvisionner votre compte courant pour ne pas d\u00e9passer les d\u00e9lais autoris\u00e9s et \u00e9viter de vous retrouver en d\u00e9couvert non autoris\u00e9 !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la plupart des banques, le d\u00e9lai autoris\u00e9 pour r\u00e9approvisionner votre compte est de quelques jours.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote has-text-align-left\"><blockquote><p>\ud83d\udca1 <em><strong>Bon \u00e0 savoir<\/strong> : Le montant et la dur\u00e9e accord\u00e9s dans le cadre d\u2019un d\u00e9couvert autoris\u00e9 d\u00e9pendent du profil du client. La plupart du temps, ce montant autoris\u00e9 est calcul\u00e9 en fonction de vos revenus : renseignez-vous donc aupr\u00e8s de votre banque pour le conna\u00eetre pr\u00e9cis\u00e9ment\u2026 \u00c9videmment si vous avez 3 ans de SMIC plac\u00e9 sur d\u2019autres comptes, la banque va se montrer hypertol\u00e9rante envers vous !<\/em><\/p><\/blockquote><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong><em>\u00c0 lire aussi : <\/em><\/strong><a href=\"https:\/\/www.bling.eu\/media\/autorisation-decouvert\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>autorisation de d\u00e9couvert : comment \u00e7a fonctionne ?<\/em><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-le-decouvert-bancaire-non-autorise-qui-n-est-pas-du-tout-tolere\">Le d\u00e9couvert bancaire non autoris\u00e9 (qui n\u2019est pas du tout tol\u00e9r\u00e9 !)<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u2019est-ce que c\u2019est ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous l\u2019aurez compris :<strong> le d\u00e9couvert non autoris\u00e9 arrive lorsque vous avez d\u00e9pass\u00e9 les seuils de tol\u00e9rance pr\u00e9vus par votre banque<\/strong> au moment de la signature de votre contrat.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote has-text-align-left\"><blockquote><p>\u26a0\ufe0f <em><strong>Attention<\/strong> : si aucun d\u00e9couvert autoris\u00e9 n\u2019\u00e9tait pr\u00e9vu dans votre contrat, gardez \u00e0 l\u2019esprit que vous passerez automatiquement en situation de d\u00e9couvert non autoris\u00e9 d\u00e8s le premier euro d\u00e9biteur, avec les cons\u00e9quences associ\u00e9es !<\/em><\/p><\/blockquote><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les cons\u00e9quences ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est l\u00e0 que les choses se compliquent. En cas de d\u00e9couvert non autoris\u00e9, votre \u00e9tablissement bancaire va vous<strong> facturer des agios<\/strong>, c\u2019est-\u00e0-dire des <strong>p\u00e9nalit\u00e9s en fonction du montant et de la dur\u00e9e de votre d\u00e9couvert<\/strong>, et <strong>du taux pratiqu\u00e9 par votre banque.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant des agios est fix\u00e9 par chaque \u00e9tablissement bancaire, vous pouvez donc vous renseigner aupr\u00e8s de votre conseiller pour le conna\u00eetre exactement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais ce n\u2019est pas tout : le d\u00e9couvert non autoris\u00e9 peut entra\u00eener <strong>le paiement de commissions d\u2019intervention<\/strong>, voire le refus de toutes vos op\u00e9rations bancaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les commissions d\u2019intervention sont des frais pr\u00e9lev\u00e9s par votre banque pour financer l\u2019analyse de votre situation<\/strong> afin de d\u00e9cider si elle accepte ou non vos op\u00e9rations\u2026 Ces commissions peuvent en effet co\u00fbter jusqu\u2019\u00e0 8\u20ac par op\u00e9ration et 80\u20ac par mois. Elles sont fort heureusement plafonn\u00e9es depuis le <a href=\"https:\/\/www.economie.gouv.fr\/cedef\/frais-bancaires\" target=\"_blank\" rel=\"noreferrer noopener\">1er janvier 2014<\/a> de plus, il existe une <a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/offre-bancaire-fragilite-financiere\" target=\"_blank\" rel=\"noreferrer noopener\">offre sp\u00e9cifique pour les clients en situation de fragilit\u00e9 financi\u00e8re<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <em><strong>\u00c0 lire aussi :<\/strong> <a href=\"https:\/\/www.bling.eu\/media\/comment-rembourser-frais-bancaires\/\" target=\"_blank\" rel=\"noreferrer noopener\">comment se faire rembourser ses frais bancaires ?<\/a> <\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quoi qu\u2019il en soit, vos <a href=\"https:\/\/www.bling.eu\/media\/bien-remplir-un-cheque\/\" target=\"_blank\" rel=\"noreferrer noopener\">ch\u00e8ques<\/a> seront refus\u00e9s et vous pourrez subir une interdiction d\u2019en \u00e9mettre pour une dur\u00e9e de 5 ans.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote has-text-align-left\"><blockquote><p>\ud83d\udca1 <strong><em>Bon \u00e0 savoir <\/em><\/strong>: <em>certaines banques peuvent aussi vous refuser un paiement de 19\u20ac faute de fonds suffisants avant\u2026 De vous pr\u00e9lever 19\u20ac pour \u00ab frais de rejet \u00bb ! Eh oui, s\u2019ils ne l\u2019\u00e9taient pas pour votre premier paiement, vos fonds seront cette fois-ci \u00ab suffisants \u00bb aux yeux de la banque pour accepter le pr\u00e9l\u00e8vement des frais\u2026 <\/em><\/p><\/blockquote><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, <strong>un d\u00e9couvert bancaire non autoris\u00e9 peut entra\u00eener un fichage \u00e0 la Banque de France<\/strong> en tant <strong>qu\u2019interdit bancaire<\/strong>, ce qui pourrait potentiellement vous poser probl\u00e8me dans votre vie future : les \u00e9tablissements bancaires ne vous accorderont pas de cr\u00e9dit immobilier ou de cr\u00e9dit \u00e0 la consommation facilement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>\ud83d\udccc \u00c0 lire aussi :<\/strong> <a href=\"https:\/\/www.bling.eu\/media\/savoir-si-on-est-interdit-bancaire\/\">comment savoir si on est interdit bancaire et y rem\u00e9dier ?<\/a><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Vous connaissez d\u00e9sormais toutes les cons\u00e9quences d\u2019un d\u00e9couvert non pay\u00e9, qu\u2019il s\u2019agisse d\u2019un d\u00e9couvert autoris\u00e9 par votre banque ou non. <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"D\u00e9couvert non pay\u00e9, il fait souvent peur surtout \u00e0 ceux qui sont souvent \u00e0 d\u00e9couvert. Votre compte bancaire&hellip;\n","protected":false},"author":3,"featured_media":2168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":["post-2542","post","type-post","status-publish","format-standard","has-post-thumbnail","category-l-academie-bling","cs-entry","cs-video-wrap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>D\u00e9couvert Non-Pay\u00e9 : Quelles Cons\u00e9quences ?<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez en quoi consistent les d\u00e9couverts bancaires autoris\u00e9s et non-autoris\u00e9s, ainsi que les diff\u00e9rentes cons\u00e9quences qu\u2019ils entra\u00eenent.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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