For contractors in the building and civil engineering sector, having a credit card offers the possibility of making purchases of equipment or supplies without having to open an account with each supplier. It's a simple, practical solution for dealing with the unexpected. What's more, many common expenses can be paid with a credit card, such as fuel, parking, vehicle or tool repairs, office supplies and business meals.
There are several options for obtaining a credit card: from a traditional bank, by opting for a prepaid bank card, or by turning to an online account service.
In this article, we'll explore the steps you need to take to obtain a payment card, whether from a traditional bank or via Anytime.
Traditional banks
When it comes to opening a bank account, the first option that naturally springs to mind is a traditional bank. All you have to do is open an account with the bank of your choice, and they'll send you a checkbook and bank card by post - provided, of course, that you've applied for one in advance.
To open an account, an ordinary private individual must provide at least proof of identity and proof of address. However, it is important to note that a building contractor, whether operating as a sole proprietorship or a company, is considered a professional, and as such must open a business account.
A business account has one distinctive feature: it is generally more expensive than a personal account. Depending on the legal status of the company, banking services may vary. Some banks offer services specifically adapted to self-employed entrepreneurs, while others target mainly companies. The services offered and the rates also differ. As a result, it's essential for building contractors to compare the different offers and choose the bank that best suits their needs.
Here are the steps to follow to obtain a credit card from a traditional bank:
- Search for local banks with specific offers for building contractors. The main advantage of a traditional bank is its physical presence. You can have face-to-face discussions with an advisor and establish a privileged relationship. However, it's worth noting that opening hours are often restricted and that more and more services are automated.
- Once you've chosen a bank according to your needs, make an appointment with an advisor. Having a good relationship with your advisor is important for the future. However, it's not uncommon for advisors to change branches frequently, as is common practice in banks.
- Prepare the documents required to open a business account, such as the manager's identity document, the lease for the business premises (if applicable), a certificate of domicile in the manager's name with proof of address, the draft articles of association (in the case of a company), a Kbis extract (or equivalent), and any other additional documents requested by the bank.
- At your appointment with the advisor, explain your specific needs as a building contractor and discuss the different bank card options available. Ask questions about the fees, features and benefits of each card.
- Complete the credit card application forms. Your application will then be evaluated and a credit check performed.
- Once your request has been approved, you will receive your new bank card at the address indicated, within the time limit set by the bank.
It's important to follow these steps and provide all the required documents to facilitate the process of obtaining your credit card from a traditional bank.
The Anytime online account
Online banking offers much lower rates than traditional banks, while providing equivalent or even better services. It's perfectly possible to have an authorized overdraft, a checkbook or even to cash checks. Depending on the package, some additional features may be included, such as billing fee management tools and automatic VAT detection. These practical, efficient tools are flexible and easy to activate.
When it comes to payment cards, options range from physical bank cards to virtual, ephemeral cards compatible with Apple Pay and Google Pay.
Let's take a look at the steps involved in obtaining a credit card from Anytime:
- Go to the Anytime website and create an account by providing basic information such as your name, contact details and e-mail address.
- Choose the price plan that best suits your business. Anytime offers a range of tailor-made solutions, each with its own special features.
- Fill in your company details, such as your SIRET number, registered office address and any other information requested.
- Once you've created your account, download the Anytime mobile application onto your smartphone.
- Follow the instructions to activate your account and scan the required documents, such as your ID, Kbis extract (or equivalent), bank statements, etc.
- Once your account has been approved, you can order an Anytime bank card from the application. You'll usually be able to personalize your card with your company logo.
- You will receive your new Anytime bank card at the address indicated within a few days.
Please note that the procedures may vary slightly depending on the payment solution chosen. It is always best to contact the Anytime sales department for the best advice and information.