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In the midst of a purchasing power crisis, one market is doing well: that of consumer credit. But the other side of the coin is the risk of over-indebtedness. Over one year, payment incidents have increased by 30%.
The daily with a debit balance and difficulties in repaying his or her credits. In recent weeks, banking incidents have multiplied for French people with increasingly tight budgets. In Strasbourg (Bas-Rhin), an association advises and supports the households most in difficulty. Households that are sometimes on the verge of over-indebtedness, suffocated by soaring prices in recent months.
These situations are more and more numerous. In July, credit repayment incidents jumped, with an increase of 30% compared to last year. For the past two years, with the pandemic, there were fewer cases thanks to banks that were more flexible than usual. Now, banks are anticipating the risk of non-payment with hundreds of millions of euros set aside: a sign that the situation is deteriorating.