Of course, you can choose the option that best suits you at any time.
It defers the payment of what you spend with fixed or variable repayments. The minimum you can defer is 10% of the credit limit of your VIA-T card, with a minimum fee of €30.
The monthly interest rate for deferring your payment is 1.85% nominal monthly, 22.20% annual NIR (APR 24.60%).
Example for a purchase of € 100 made on the 1st of the month, with a deferred payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 22.20%; APR 24.60%; 12 repayments of €9.68. Total amount of the credit: €100. Total amount owed: €116.16. Total cost of the credit: €16.16. The VIA-T issuance fee of €30 has been included in the calculation. This example does not anticipate the existence of new uses of the credit line at this time, nor incidents with repayments.