{"id":4995,"date":"2021-11-18T00:00:00","date_gmt":"2021-11-17T23:00:00","guid":{"rendered":"https:\/\/www.jep.be\/bnp-paribas-fortis-alphacredit-17-11-2021-pas-de-remarques\/"},"modified":"2026-06-16T10:06:00","modified_gmt":"2026-06-16T08:06:00","slug":"bnp-paribas-fortis-alphacredit-17-11-2021-pas-de-remarques","status":"publish","type":"post","link":"https:\/\/www.jep.be\/fr\/bnp-paribas-fortis-alphacredit-17-11-2021-pas-de-remarques\/","title":{"rendered":"BNP Paribas Fortis – Alphacredit 17-11-2021: Pas de remarques"},"content":{"rendered":"

Adverteerder \/ Annonceur: BNP PARIBAS FORTIS \u2013 ALPHACREDIT<\/strong><\/h3>\n

Product-Dienst \/ Produit-Service: Pr\u00eat \u00e0 temp\u00e9rament Cetelem<\/strong><\/h3>\n

Media \/ M\u00e9dia: Radio<\/strong><\/h3>\n

 <\/p>\n

Beschrijving van de reclame \/ Description de la publicit\u00e9 <\/strong><\/h3>\n

Le spot radio se d\u00e9roule ainsi :
VO : \u00ab Avec Cetelem, votre pr\u00eat est 100 % en ligne, pas de paperasse \u00e0 renvoyer, vous remplissez votre demande et vos documents depuis votre smartphone ou ordinateur. Profitez de nos conditions avantageuses. A tout de suite sur cetelem.be. Type de pr\u00eat : pr\u00eat \u00e0 temp\u00e9rament. Attention, emprunter de l\u2019argent co\u00fbte aussi de l\u2019argent. \u00bb.<\/p>\n

Klacht(en) \/ Plainte(s)<\/strong><\/h3>\n

La plaignante se r\u00e9f\u00e8re \u00e0 une publicit\u00e9 qui explique \u00e0 quel point il est facile de contracter un cr\u00e9dit \u00e0 temp\u00e9rament (\u00ab aucune paperasse \u00bb, tout se fait en ligne, facilement).
Selon elle, ceci incite le consommateur \u00e0 avoir recours \u00e0 ce type de cr\u00e9dit. En mettant en avant le c\u00f4t\u00e9 si facile, l\u2019annonceur vise une population plus d\u00e9munie en termes de capacit\u00e9 administrative et moins capable aussi de se renseigner sur les tenants et aboutissants de ce genre de cr\u00e9dit.
Elle a ajout\u00e9 que l’incitation \u00e0 l’endettement facile est inacceptable.<\/p>\n

Beslissing Jury in eerste aanleg: Geen opmerkingen
D\u00e9cision Jury de premi\u00e8re instance: Pas de remarques<\/strong><\/h3>\n

Le Jury d\u2019Ethique Publicitaire (JEP) de premi\u00e8re instance a pris la d\u00e9cision suivante dans ce dossier.<\/p>\n

Le Jury a pris connaissance du spot radio et de la plainte qui le concerne.<\/p>\n

Il tient tout d\u2019abord \u00e0 pr\u00e9ciser qu\u2019il se limite \u00e0 examiner le contenu de la publicit\u00e9 vis\u00e9e et qu\u2019il ne ressort pas de sa comp\u00e9tence de se prononcer sur le produit ou service promu.<\/p>\n

Il a constat\u00e9 que la voix-off dans la publicit\u00e9 pr\u00e9cise que la demande de cr\u00e9dit peut \u00eatre effectu\u00e9e en ligne, sans se prononcer directement sur l\u2019octroi du cr\u00e9dit en tant que tel.<\/p>\n

Sur la base des \u00e9l\u00e9ments textuels de la publicit\u00e9, le Jury est d\u2019avis que le spot radio n\u2019est pas de nature \u00e0 \u00eatre per\u00e7u par le consommateur moyen comme mettant sp\u00e9cifiquement en valeur la facilit\u00e9 ou la rapidit\u00e9 avec lesquelles le cr\u00e9dit peut \u00eatre obtenu, comme l\u2019interdit l\u2019article VII.65 du Code de droit \u00e9conomique.<\/p>\n

Eu \u00e9gard \u00e0 ce qui pr\u00e9c\u00e8de, le Jury a estim\u00e9 que la publicit\u00e9 en question n\u2019est pas contraire \u00e0 la disposition susmentionn\u00e9e et ne t\u00e9moigne pas non plus d\u2019un manque de juste sens de la responsabilit\u00e9 sociale dans le chef de l\u2019annonceur.<\/p>\n

A d\u00e9faut d\u2019infractions aux dispositions l\u00e9gales ou autodisciplinaires, le Jury a estim\u00e9 n\u2019avoir pas de remarques \u00e0 formuler sur ces points.<\/p>\n

Veuillez noter que cette d\u00e9cision ne devient d\u00e9finitive qu\u2019apr\u00e8s l\u2019expiration du d\u00e9lai d\u2019appel.<\/p>\n","protected":false},"excerpt":{"rendered":"

Adverteerder \/ Annonceur: BNP PARIBAS FORTIS \u2013 ALPHACREDIT Product-Dienst \/ Produit-Service: Pr\u00eat \u00e0 temp\u00e9rament Cetelem Media \/ M\u00e9dia: Radio   Beschrijving van de reclame \/ Description de la publicit\u00e9 Le spot radio se d\u00e9roule ainsi :VO : \u00ab Avec Cetelem, votre pr\u00eat est 100 % en ligne, pas de paperasse \u00e0 renvoyer, vous remplissez votre demande et vos […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[108],"tags":[],"class_list":["post-4995","post","type-post","status-publish","format-standard","hentry","category-decisions"],"yoast_head":"\nBNP Paribas Fortis - Alphacredit 17-11-2021: Pas de remarques - JEP - Jury d'Ethique Publicitaire<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.jep.be\/fr\/bnp-paribas-fortis-alphacredit-17-11-2021-pas-de-remarques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BNP Paribas Fortis - 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