In Brief (TL;DR)
The BancoPosta Più Credit Card is a flexible credit card that allows you to choose how to pay for your purchases, in full or in installments.
It offers the possibility to transfer liquidity from the card to the BancoPosta account and to receive an SMS for every operation carried out.
With the BancoPosta Più Credit Card, manage your expenses in a simple, secure, and convenient way.
The devil is in the details. 👇 Keep reading to discover the critical steps and practical tips to avoid mistakes.
Are you looking for a credit card that offers you maximum flexibility and total control over your expenses? The BancoPosta Più Credit Card could be the ideal solution for you! Issued by Poste Italiane in collaboration with Compass, this card allows you to pay in installments, transfer liquidity and manage everything comfortably online. In this complete guide, you will discover benefits, costs, security and how to request the BancoPosta Più Credit Card. Get ready to take control of your finances!
What is the BancoPosta Più Credit Card?
The BancoPosta Più Credit Card is a revolving credit card from Poste Italiane, actually issued by Compass, which allows you to manage your expenses flexibly. With this card, you can decide whether to pay for your purchases in a single payment at the end of the month or pay them off in convenient installments. Additionally, it offers the possibility to transfer the available liquidity from the card’s credit limit to your BancoPosta account.
One of the main advantages of the BancoPosta Più Credit Card is the ability to choose the repayment plan that best suits your needs. You can opt for payment in full, which involves repaying the entire amount spent at the end of the month, or for installment payment, which allows you to spread the payment of purchases over 6, 12, 18, or 24 months. To access the installment repayment plan, the amount to be paid in installments must be equal to or greater than €180. Poste Italiane also provides a practical online calculator that allows you to simulate the installments and choose the solution that best suits your needs.
Another interesting feature of the BancoPosta Più Credit Card is the “Deferral of the 1st payment“, which allows you to postpone the payment of the first installment. This option can be useful for better managing your finances and having greater flexibility in payments.
Pros and Cons of the BancoPosta Più Credit Card
The BancoPosta Più Credit Card offers numerous advantages:
- Payment flexibility: choose whether to pay in full or in installments.
- High spending availability: manage your expenses with a high credit limit.
- Liquidity transfer: transfer money from the card to your BancoPosta account.
- Online management: check your expenses and manage your card via the online Customer Area.
- SMS Service: receive an SMS for every operation carried out with the card.
- ScontiPoste: get discounts at numerous participating merchants.
- Insurance package: take advantage of insurance coverage for purchases made with the card.
It is interesting to note that, based on the information gathered, no specific disadvantages linked to the BancoPosta Più Credit Card have emerged.
How to Request the BancoPosta Più Credit Card
To activate the BancoPosta Più Credit Card, you need to contact customer service at the toll-free number 800.216.740 from Italy or at +3902.48.24.44.48 from abroad.
Although detailed information on how to request the card is not currently available on the Poste Italiane website, the procedure likely involves submitting a formal request, verifying the applicant’s requirements (such as age, income, and creditworthiness), and providing certain documents. For more precise information, it is recommended to visit a post office or contact BancoPosta customer service.
Costs and Fees
The BancoPosta Più Credit Card involves several costs and fees:
| Cost | Amount |
|---|---|
| Annual fee | €37 |
| Installment collection fee | 0.50% of the installment amount |
| Paper statement | €1 per month |
| Online statement | Free |
| Stamp duty | €2 |
Furthermore, default interest applies in case of late payments, as well as fees for cash withdrawals, payments in foreign currency, and other operations.
For a complete overview of costs, consult the Standard European Consumer Credit Information (SECCI) document available on the Poste Italiane website.
Security and Customer Support
Poste Italiane has implemented several security measures to protect the BancoPosta Più Credit Card from fraud and unauthorized use:
- Card shipped inactive: for security reasons, the card is shipped inactive and must be activated by the holder via a call to customer service. This prevents the card from being used in case of theft or loss during shipping.
- Mastercard Identity Check: for online purchases, an additional level of verification is required via OTP (One Time Password) or static password. This system protects your online purchases from potential fraud.
- Contactless technology: the card uses contactless technology for secure and fast payments. You can pay by simply tapping the card on the POS, without having to physically insert it.
- Card blocking: in case of loss or theft, it is possible to block the card by calling customer service at the toll-free number 800.216.740.
In addition to these security measures, the BancoPosta Più Credit Card also offers the ability to manage the card online via the website “cartabancopostapiu.compass.it”. Through this site, you can access various features, such as viewing transactions, statements, requesting transfers to your account, modifying personal data, and changing your password.
For any needs or assistance, you can contact BancoPosta and Postepay customer service at the number 06.45.26.3322 from Italy and abroad.
Conclusions
The BancoPosta Più Credit Card, issued by Poste Italiane in collaboration with Compass, stands out as a versatile financial solution suitable for various needs. Its main feature is the flexibility it offers in managing expenses, allowing you to choose between payment in full or in installments, with the possibility of spreading purchases over convenient installments from 6 to 24 months. This option proves particularly useful for facing significant expenses, such as buying appliances or booking trips, allowing you to distribute the cost over time and better manage your budget.
A further strength of the BancoPosta Più Credit Card lies in its security. Poste Italiane has implemented several measures to protect holders from fraud and unauthorized use. The card is shipped inactive and must be activated by the holder via a call to customer service, thus preventing use in case of theft or loss during shipping. For online purchases, the Mastercard Identity Check service is provided, which requires an additional level of verification via OTP or static password, ensuring maximum protection against potential fraud. Furthermore, the card is equipped with contactless technology for quick and secure payments, avoiding the physical insertion of the card into the POS.
In addition to flexibility and security, the BancoPosta Più Credit Card offers a series of additional services that make it a complete tool for managing one’s finances. Among these, the possibility to transfer liquidity from the card’s credit limit to one’s BancoPosta account, the SMS service that notifies you of every operation carried out with the card, and the ScontiPoste program, which offers discounts at numerous participating merchants. Additionally, the card includes an insurance package that offers coverage for purchases made.
Finally, the BancoPosta Più Credit Card integrates perfectly with the BancoPosta Più Account, offering the possibility to manage one’s finances synergistically. Through the dedicated online Customer Area, it is possible to monitor expenses, view statements, request transfers, and modify personal data, ensuring complete and intuitive management of the card.
Ultimately, the BancoPosta Più Credit Card represents a valid solution for those looking for a complete, secure and easy-to-manage credit card, with the possibility to pay in installments for purchases and access additional services that simplify daily money management.
Frequently Asked Questions
To request the BancoPosta Più Credit Card, you can visit a post office or contact Poste Italiane customer service.
The BancoPosta Più Credit Card has an annual fee of €37, an installment collection fee of 0.50%, and a stamp duty of €2.
Yes, the BancoPosta Più Credit Card can be used abroad for payments and withdrawals.
To increase the credit limit, you can contact customer service or visit a post office.
Yes, the card offers several security measures, including inactive shipping, Mastercard Identity Check, and contactless technology.
If you lose your card, you can block it immediately by calling customer service.
Yes, you can manage your card and check your expenses online via the dedicated website.
To request the card, you must be of legal age, resident in Italy, and have a demonstrable income.
The necessary documents are an identity document, the health card (tessera sanitaria), and an income document.
You can pay in installments for purchases of an amount equal to or greater than €180.
The credit limit of the BancoPosta Più Credit Card varies based on the applicant’s financial situation and is established by Poste Italiane at the time of the request.
Yes, the BancoPosta Più Credit Card can be used for payments and withdrawals worldwide, at merchants that accept the Mastercard circuit. However, fees may apply for operations carried out abroad.
To block your BancoPosta Più Credit Card in case of loss or theft, immediately call customer service at the toll-free number 800.216.740 from Italy or at +3902.48.24.44.48 from abroad.
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