What is slippery days?
Sliding days: definition
The number of slippery days constitutes the delay between the use of a service and the moment when it will be available again. Thus, the slippery days correspond to a calculated period from date to datewithout based on a fixed week or month calendar. Concretely, every passing day makes the period “slide”.
Monthly payment ceiling: 7 sliding days
In the banking field, this concept is very common. For example, a credit card (withdrawal card or payment card) has a ceiling fixed on seven slippery : If you reach this ceiling on Wednesday, you will have to wait until the following Wednesday (same time) to find all of your withdrawal or payment capacities.
Slippery months: on 30 sliding days
The slippery months follow the same principle, but over a longer period. This is a period of 30 consecutive days Calculated from date to date, and not on the calendar month. For example, if your payment ceiling is set at 2,000 euros per sliding month and you make a first purchase of 1,500 euros on March 20, you will have 500 euros until April 19 inclusive.
When do the slippery days start?
The first slippery day is not referred to a calendar date, but at first day of use of service. The ceilings are therefore not reset at the beginning of each month, but over the water depending on the use of carriers. If, for example, the maximum withdrawal is reached on May 7, it will be necessary to wait until May 14 (seven days in a row later) to remove species.
How to calculate the slippery days?
The calculation of slippery days is based on a simple logic: we take as a starting point the exact date and time of an operation (payment, withdrawal, etc.), then we look at the defined period (often seven days or 30 days) from this moment. At each new act, the “slide” period: we do not calculate per week or per month fixed, but from date to date.
What is the use of slippery days?
A protective measure for the user
The main objective of slippery days is to establish a protection measure against abusive or fraudulent uses. By limiting the amount of withdrawals and payments over a given period (seven or 30 days), the system prevents a third party having stolen a bank card can fully empty the account in a few hours.
But also for the bank
For financial institutions, slippery days are also set up for security reasons. They allow Check the flow of money outputs And to reduce the risks linked to massive fraud or reckless banking behavior. This organization contributes to the overall stability of the payment network.
Regulation adapted to the client’s financial situation
The mechanism of slippery days also allows take into account the financial situation of each client. By fixing suitable ceilings (depending on income, seniority or banking profile), the bank limits the risk of overdraft or too fast debt. This ensures a balance between the freedom to use your means of payment and the necessary prudence.
A real -time and scalable system
The slippery days are system in real time. Each operation is recorded immediately And comes to turn on the ceiling. Over the days, the reference period “Slips” and the old operations automatically emerge from the calculation, thus restoring user margins to the customer.
What is the payment ceiling for a bank card?
Ceiling of bank cards and slippery days (Postal Bank, Crédit Agricole, Crédit Mutuel, etc.)
Two types of ceiling are practiced on bank cards: the payment ceiling and the withdrawal ceiling. To each of these caps corresponds a quota of slippery days Before a new use becomes possible again.
Bank card payment ceiling
The payment ceiling is calculated over 30 slippery days. The withdrawal ceilings differ depending on the category of the payment card, but the principle is the same. The chip inserted into the bank card adds the amount of payments made. The consequence of a cumulative amount that exceeds the ceiling? Payment is refused.
- For entry -level cards, this ceiling is generally limited to 1,200 euros over 30 days.
- High -end cards are entitled to larger payment ceilings (always over 30 days).
- With a Visa Premier card or a Gold Mastercard, it reaches around 3,000 euros over 30 days and goes to 12,000 euros with a Platinium card.
- Visa Infinite and World Elite Mastercard cards bring this payment ceiling to 20,000 euros over 30 days.
Maximum withdrawal ceiling to the distributor
Conditioned by seven -day period, the entry -level cards withdrawal is between 300 and 500 euros every day. With mid -range cards, this payment ceiling increases to around 1,000 euros and it reaches 4,000 euros with the Infinite Visa card or the World Elite Mastercard card.
When is the bank ceiling rewarding zero?
The bank ceiling is releasingly rewarded fixed datewhen defined on a calendar basis, or gradual waywhen calculated in slippery days: in this case, the ceiling never returns completely to zero, because it reconstructs the capacity of the card as and when.
How to increase the ceiling of your bank card?
Ceilings and slippery days: appeal
When faced with a punctual need, a banking user may request a Exceptional recovery ceilings, for example when it comes to adjusting an important purchase (household appliances, travel, etc.). This request can be made online or with an advisor if the bank has a network of physical agencies.
Some banks offer an option warning the card holder as soon as they approach the Limits thresholds (payment or withdrawal).
Temporary or permanent increase
The increase in the ceiling can be temporaryfor example for a period of a few days or weeks (useful in the event of a trip or exceptional expenses), but also permanentif the customer justifies a recurring need (increase in income, professional expenses, higher standard of living, etc.).
Acceptance conditions and criteria
The bank is not obliged to grant an increase. Its decision depends of course on the customer’s profile (seniority, revenue stability, banking history) and its estimated reimbursement capacity (especially in the event of a delayed debit card). Last point scrutinized: banking behavior (absence of payment incidents, healthy account management).
Alternatives to exceptional recovery
If the bank refuses to increase the ceilings, it is always possible to carry out several operations (payments or withdrawals) Time spread outtaking into account the rule of slippery days, or even to use another means of payment (check, transfer, secondary card).
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