Fan of online shopping? You certainly know Cdiscount. With a commercial strategy consisting in offering quality products at low prices, this web giant has won the hearts of the French. One of Cdiscount's priorities is to allow consumers to shop easily and without constraints. This is why the brand has implemented a technological means of online payment: the Cdiscount card, a credit card and payment accessory to a revolving credit contract. Thanks to it, you have access to many services, such as payments in France and abroad, contactless payments up to 50 euros, free cash withdrawals from Crédit Mutuel and CIC distributors, payment in 3 times free of charge at Casino throughout the year, cash or credit settlement,the spreading out in small monthly installments of the payments, the withdrawals carried out in cash, the extension of guarantee or the fidelity advantages. In addition, with the Cdiscount card, you benefit from a welcome discount. Here is all you need to know.
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How does the Cdiscount card work?
The Cdiscount card is a means of payment that can be used on the Cdiscount.com site, but also with merchants and e-merchants.
It is available in 2 models: MasterCard Classic and MasterGold cards.
The first has the same advantages as the MasterCard Classic bank card.
As for the second, it provides access to several bonuses, such as travel assistance, a high withdrawal limit or even insurance for civil liability abroad.
More than a simple classic credit card, the Cdiscount card combines a multitude of advantages resulting from the collaboration between FLOA Bank, Cdiscount and MasterCard.
Here are the main ones:
A wider range of payment methods: contactless, cash or deferred debit in more than 200 countries, but also on the Cdiscount.com platform with payments in 3, 5 and 10 times from 150 euros of purchase, up to 20 times from 300 euros.
Cashback: recovery of at least 1% of all purchases paid with the Cdiscount card, whether they are shopping in store or on the web.
Additional discounts in most Cdiscount universes, with the possibility of accumulating euros all year round in a pot that generates vouchers.
Several guarantees included to secure purchases: the assurance of a "Good end of delivery" (100% satisfied or refunded), purchases protected against breakage, accidental damage and theft for 30 days, or a delay of reflection extended up to 1 month to be reimbursed.
To obtain the Cdiscount bank card, it's very simple, just go to Cdiscount.com, section “Cdiscount card”, and follow the purchase process, step by step.
Only a RIB and an identity document in digital format are required to validate its obtaining.
Note that to obtain the Cdiscount card, you must be at least 18 years old, not be registered in the Personal Credit Repayment Incident File managed by the Banque de France, have a customer account registered on the Cdiscount site, reside in mainland France and see the file accepted by FLOA Bank services.
How much does the Cdiscount card cost?
After validation of the file, customers receive a letter on D + 3 offering them to personalize their password if they have checked the option "Choose your MDP". Then, they have a week to call the number indicated in the mail and set their password. Failing this, a random code is assigned to them from the 8th day and the production of the Cdiscount bank card is launched. It takes an average of 15 days to receive it.
Cdiscount's Mastercard Classic and Mastercard Gold prices are particularly affordable.
The classic Cdiscount card (Classic Mastercard) costs 1.25 euros per month, or 15 euros per year.
The high-end Cdiscount card (Mastercard Gold) is offered at 4.50 euros per month.
In addition, new customers can take advantage of a welcome offer of -50% immediate discount on a Cdiscount order, up to a limit of 200 euros reduction.
If Internet users request their Cdiscount card at the same time as an order on the site, the welcome discount is immediately deducted from the final amount.
If they apply for their card without placing an order, they will receive the welcome discount on their Cdiscount customer area within 20 days, in the form of a voucher.
How to pay in installments on Cdiscount?
On Cdiscount.com, you can permanently choose between payment in cash, on credit or in several installments (3, 5, 10 and even 20 times depending on the purchase thresholds).
On all other websites, payments are systematically made in cash.
However, it is possible to spread them out later in payment on credit (in small monthly installments or in several installments) from the FLOA Bank customer area.
To do this, you must connect to your customer account, go to the "Spread my payments" section, then choose the amount to be spread and the repayment period.
A simulation is then displayed before confirmation.
A member can also request to spread his payments by telephone by contacting customer service on 0 825 954 993 (0.15 euros per minute + price of the call).
How to cancel your Cdiscount card?
You can terminate your Cdiscount card at any time, provided you have previously reimbursed all of your revolving credit. The ideal is to send a registered letter with acknowledgment of receipt specifying your contact details, your contract number and the date on which you want the termination to take place. The address to indicate is as follows: Cdiscount.com / SGPN - Customer Service - BP 90 200 - 93472 Neuilly sur Marne.
If you have any difficulties relating to your card, you can contact Cdiscount. Various communication channels are possible: via the customer account, by telephone from Monday to Friday from 9 a.m. to 7 p.m., as well as weekends and holidays from 9 a.m. to 6 p.m. If you choose this option, you must call 09 70 80 90 50 (non-surcharged number) or 3979 (0.70 euros per minute + price of the call). Cdiscount can also be reached via social networks, in particular on Facebook and Twitter, or by mail in the event of a complaint, at the above-mentioned address.
Finally, it is possible to contact FLOA Bank, either by telephone on 0825 95 49 89 (service 0.15 euros per minute + price of the call), or via the contact request form.
Advisors are also available from the website or via Facebook.
If the dispute persists and the responses provided do not meet their expectations, holders of the Cdiscount card have the option of entering into an independent mediator.
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Also discover all the good deals and promo codes Cdiscount