{"id":28567,"date":"2021-08-15T12:00:00","date_gmt":"2021-08-15T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28567"},"modified":"2021-08-14T19:56:32","modified_gmt":"2021-08-14T19:56:32","slug":"cartao-ourocard-universitario-ou-cartao-acesso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/cartao-ourocard-universitario-ou-cartao-acesso\/","title":{"rendered":"Ourocard Universit\u00e1rio Card nebo Access Card: kterou si vybrat?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-ourocard-universit%C3%A1rio-x-acesso-descubra-qual-escolher\">Ourocard Universit\u00e1rio x Acesso: descubra qual escolher<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso? Fonte: Pexels.\"  id=\"28568\" src=\"https:\/\/ucarecdn.com\/adb98eac-e9cb-4984-a824-8b5095e0b413\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se voc\u00ea est\u00e1 em d\u00favida entre o cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso, n\u00e3o precisa mais se preocupar! Hoje, vamos falar melhor sobre esses dois produtos financeiros para que voc\u00ea possa escolher qual se encaixa melhor nas suas necessidades.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, embora ambos os cart\u00f5es tenham cobertura internacional, cada um conta com uma bandeira diferente. Ademais, o cart\u00e3o Ourocard Universit\u00e1rio tem um p\u00fablico espec\u00edfico, enquanto o cart\u00e3o Acesso \u00e9 uma \u00f3tima op\u00e7\u00e3o para quem quer controlar os gastos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, continue a leitura para conhecer os pr\u00f3s e os contras de cada produto financeiro e decidir qual \u00e9 o melhor para voc\u00ea. Vamos l\u00e1?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZHFcFF\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o kartu Ourocard Universit\u00e1rio\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-ourocard-universitario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o kartu Ourocard Universit\u00e1rio\">\n            Jak za\u017e\u00e1dat o kartu Ourocard Universit\u00e1rio        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Karta Ourocard Universit\u00e1rio je alternativou pro vysoko\u0161kolsk\u00e9 studenty. Nevy\u017eaduje dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f a nab\u00edz\u00ed bezplatn\u00e9 ro\u010dn\u00ed \u010dlensk\u00e9 poplatky. Pod\u00edvejte se, jak objedn\u00e1vat!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Koukej jak to funguje!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Jak za\u017e\u00e1dat o p\u0159\u00edstupovou kreditn\u00ed kartu              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Ourocard Universit\u00e1rio<\/strong><\/td><td><strong>P\u0159\u00edstup<\/strong><\/td><\/tr><tr><td><strong>Minim\u00e1ln\u00ed p\u0159\u00edjem&nbsp;<\/strong><strong><\/strong><\/td><td>Nen\u00ed po\u017eadov\u00e1no<\/td><td>Nen\u00ed po\u017eadov\u00e1no<\/td><\/tr><tr><td><strong>Anuita<\/strong><strong><\/strong><\/td><td>\u017d\u00e1dn\u00fd ro\u010dn\u00ed poplatek<\/td><td>R$ 5,95 m\u011bs\u00ed\u010dn\u011b<\/td><\/tr><tr><td><strong>Vlajka<\/strong><strong><\/strong><\/td><td>V\u00edzum<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>St\u0159echa<\/strong><strong><\/strong><\/td><td>Mezin\u00e1rodn\u00ed<\/td><td>Mezin\u00e1rodn\u00ed<\/td><\/tr><tr><td><strong>V\u00fdhody&nbsp;<\/strong><strong><\/strong><\/td><td>Limite pr\u00e9-aprovado de R$ 1.500,00, pagamento por aproxima\u00e7\u00e3o<\/td><td>Bez konzultace SPC nebo Serasa osvobozen\u00ed od ro\u010dn\u00edho poplatku, pokud nen\u00ed z\u016fstatek<\/td><\/tr><\/tbody><\/table><figcaption>Ale konec konc\u016f, jak\u00e9 jsou jeho hlavn\u00ed vlastnosti?<\/figcaption><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-cart%C3%A3o-ourocard-universit%C3%A1rio\">Univerzitn\u00ed karta Ourocard<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sem d\u00favida, o cart\u00e3o \u00e9 uma boa op\u00e7\u00e3o para quem est\u00e1 buscando mais autonomia financeira. Assim, pensando no p\u00fablico estudante, o Banco do Brasil lan\u00e7ou o cart\u00e3o Ourocard Universit\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, se voc\u00ea est\u00e1 cursando n\u00edvel superior e tem entre 16 e 28 anos de idade, o cart\u00e3o pode ser uma oportunidade incr\u00edvel para voc\u00ea tomar conta das finan\u00e7as de uma forma pr\u00e1tica e simples.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, se voc\u00ea tem menos de 18 anos, ser\u00e1 necess\u00e1rio pedir a autoriza\u00e7\u00e3o do seu respons\u00e1vel legal para fazer a solicita\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora, sobre as principais caracter\u00edsticas do cart\u00e3o, podemos mencionar a sua cobertura internacional e bandeira Visa. Assim, voc\u00ea faz compras no Brasil e no mundo com muito mais facilidade, al\u00e9m de poder comprar em lojas presenciais e online. Ademais, a bandeira permite que voc\u00ea participe do programa Vai de Visa para ganhar descontos especiais em diversos estabelecimentos parceiros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o Banco do Brasil sabe que muitos estudantes ainda n\u00e3o podem trabalhar por conta dos estudos. Por isso, voc\u00ea n\u00e3o precisa comprovar renda e o cart\u00e3o tamb\u00e9m n\u00e3o tem taxa de anuidade. Ent\u00e3o, essa \u00e9 uma oportunidade e tanto para ter mais liberdade financeira, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-acesso\">P\u0159\u00edstupov\u00e1 karta<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o cart\u00e3o Acesso \u00e9 uma op\u00e7\u00e3o interessante para quem quer manter um controle das finan\u00e7as e n\u00e3o exagerar nos gastos. Isso porque ele funciona na modalidade pr\u00e9-pago e voc\u00ea s\u00f3 gasta o valor dispon\u00edvel no saldo da sua conta. Assim, para usar o cart\u00e3o, voc\u00ea deve recarreg\u00e1-lo antes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, para recarregar o seu cart\u00e3o \u00e9 muito f\u00e1cil e voc\u00ea pode fazer de v\u00e1rias formas, como boleto banc\u00e1rio, transfer\u00eancia, dep\u00f3sito em conta e at\u00e9 mesmo em estabelecimentos credenciados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra caracter\u00edstica do cart\u00e3o \u00e9 que ele tem cobertura internacional para voc\u00ea fazer compras em lojas f\u00edsicas e online, tanto no Brasil quanto no exterior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, voc\u00ea conta com duas vers\u00f5es de cart\u00e3o: o f\u00edsico e o virtual. Assim, as suas compras ficam muito mais pr\u00e1ticas, al\u00e9m de voc\u00ea poder fazer assinaturas e pagamentos em servi\u00e7os, como Netflix e Uber.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, voc\u00ea pode solicitar o produto financeiro mesmo que esteja negativado, pois n\u00e3o \u00e9 feita consulta a \u00f3rg\u00e3os de prote\u00e7\u00e3o ao cr\u00e9dito. Ent\u00e3o, o cart\u00e3o \u00e9 uma \u00f3tima maneira de tomar conta das finan\u00e7as, n\u00e3o acha?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-ourocard-universit%C3%A1rio\">Jak\u00e9 jsou v\u00fdhody karty Ourocard Universit\u00e1rio?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28971\" src=\"https:\/\/ucarecdn.com\/04545aa6-2aaf-4645-a907-481f2cec2830\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak\u00e9 jsou tedy jeho v\u00fdhody? Zdroj: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, vamos falar agora sobre as principais vantagens de cada cart\u00e3o para que voc\u00ea possa decidir qual deles mais se encaixa na sua vida financeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o cart\u00e3o Ourocard Universit\u00e1rio \u00e9 uma ferramenta bastante interessante para os jovens estudantes de ensino superior controlarem as suas finan\u00e7as.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, o cart\u00e3o j\u00e1 vem com um limite pr\u00e9-aprovado no valor de R$ 1.500,00. Dessa forma, voc\u00ea pode utiliz\u00e1-lo de acordo com as suas necessidades. Mas lembre-se de manter os gastos controlados e tenha sempre um bom planejamento financeiro para n\u00e3o correr o risco de gerar d\u00edvidas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o Banco do Brasil \u00e9 um grande patrocinador de eventos culturais, esportivos e de entretenimento, n\u00e3o \u00e9 mesmo? Ent\u00e3o, os seus clientes n\u00e3o ficariam de fora! Por isso, voc\u00ea aproveita descontos e promo\u00e7\u00f5es exclusivas em diversos desses eventos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra vantagem do cart\u00e3o \u00e9 a tecnologia de pagamento por aproxima\u00e7\u00e3o. Assim, para finalizar as compras, basta aproximar o seu cart\u00e3o ou pulseira Ourocard da maquininha e pronto! Assim, a opera\u00e7\u00e3o fica muito mais segura, pois n\u00e3o \u00e9 preciso usar a senha.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-acesso\">Jak\u00e9 jsou v\u00fdhody p\u0159\u00edstupov\u00e9 karty?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28974\" src=\"https:\/\/ucarecdn.com\/93c62dd0-4bef-47ab-bad6-766e23a9c14d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak\u00e9 jsou tedy jeho v\u00fdhody? Zdroj: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora, sobre os pontos positivos do cart\u00e3o Acesso, podemos mencionar que voc\u00ea n\u00e3o precisa ser correntista do banco para pedir o seu. Assim, voc\u00ea aproveita todos os seus benef\u00edcios sem ter que se preocupar em abrir conta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, \u00e9 muito f\u00e1cil pedir o seu! Ent\u00e3o, voc\u00ea tem duas op\u00e7\u00f5es de compra: por meio do site oficial ou em lojas e mercados credenciados. \u00c9 muita praticidade, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, a cobran\u00e7a mensal da taxa de manuten\u00e7\u00e3o do seu cart\u00e3o s\u00f3 \u00e9 realizada caso voc\u00ea tenha saldo. Assim, voc\u00ea n\u00e3o precisa se preocupar em ficar com a conta negativa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, o cart\u00e3o conta com a bandeira Mastercard que oferece v\u00e1rios benef\u00edcios aos seus clientes. Assim, voc\u00ea pode usar o seu cart\u00e3o em milhares de estabelecimentos credenciados no mundo todo, al\u00e9m de participar do programa de recompensas Mastercard Surpreenda.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-as-desvantagens-do-cart%C3%A3o-ourocard-universit%C3%A1rio\">Jak\u00e9 jsou nev\u00fdhody karty Ourocard Universit\u00e1rio?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, conforme j\u00e1 mencionamos, o cart\u00e3o tem algumas restri\u00e7\u00f5es estabelecidas para os seus clientes. Por isso, voc\u00ea s\u00f3 pode solicitar o seu produto financeiro caso tenha entre 16 e 28 anos e esteja matriculado em um curso de n\u00edvel superior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, caso voc\u00ea deixe de se encaixar nesses requisitos, o Banco do Brasil poder\u00e1 fazer a altera\u00e7\u00e3o do seu cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, embora o pagamento por aproxima\u00e7\u00e3o com a pulseira Ourocard seja uma forma bastante pr\u00e1tica de fazer as suas compras, h\u00e1 uma taxa de R$ 40,00 para voc\u00ea adquirir a sua. Por\u00e9m, ela \u00e9 opcional e voc\u00ea pode continuar utilizando a tecnologia normalmente apenas com o cart\u00e3o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-acesso\">Jak\u00e9 jsou nev\u00fdhody p\u0159\u00edstupov\u00e9 karty?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, um dos pontos negativos do cart\u00e3o \u00e9 que h\u00e1 algumas taxas para realizar determinadas opera\u00e7\u00f5es. Por exemplo, em recargas abaixo de R$ 500,00, a taxa do servi\u00e7o \u00e9 de R$ 2,50. Caso a quantia seja superior, a recarga sai de gra\u00e7a.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o cart\u00e3o cobra uma taxa mensal de R$ 5,95. Mas, como j\u00e1 mencionamos, voc\u00ea precisa ter saldo para que o valor seja descontado. Assim, voc\u00ea nunca fica com a conta negativa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, voc\u00ea n\u00e3o pode fazer o parcelamento das suas compras. Isso porque o cart\u00e3o \u00e9 pr\u00e9-pago e n\u00e3o permite esse tipo de opera\u00e7\u00e3o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-ourocard-universit%C3%A1rio-ou-cart%C3%A3o-acesso-qual-escolher\">Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso: qual escolher?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora que voc\u00ea j\u00e1 conhece melhor sobre os dois cart\u00f5es est\u00e1 mais f\u00e1cil tomar uma decis\u00e3o, n\u00e3o \u00e9 mesmo? Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, para solicitar o cart\u00e3o Ourocard Universit\u00e1rio, voc\u00ea deve estar cursando ensino superior, al\u00e9m de ter entre 16 e 28 anos. E se voc\u00ea se encaixa nessa categoria, o cart\u00e3o est\u00e1 recheado de vantagens, como pagamento por aproxima\u00e7\u00e3o e limite pr\u00e9-aprovado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1 o cart\u00e3o Acesso \u00e9 perfeito para quem quer controlar os gastos, pois \u00e9 preciso ter saldo em conta para poder utiliz\u00e1-lo. Por\u00e9m, ele n\u00e3o \u00e9 a melhor op\u00e7\u00e3o para quem quer fazer compras parceladas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, avalie com calma cada cart\u00e3o para escolher o mais adequado para as suas necessidades financeiras atuais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, se voc\u00ea chegou at\u00e9 aqui e, ainda, est\u00e1 com d\u00favida, n\u00f3s podemos te ajudar! Por isso, confira o nosso conte\u00fado recomendado abaixo com a compara\u00e7\u00e3o de mais dois cart\u00f5es incr\u00edveis dispon\u00edveis no mercado.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1dpNu3\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Renner ou cart\u00e3o Polishop?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3ef75870-1b79-4cdc-8cbb-e423e5471485\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/cartao-renner-ou-cartao-polishop-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Renner ou cart\u00e3o Polishop?\">\n            Cart\u00e3o Renner ou cart\u00e3o Polishop?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Renner card nebo Polishop card: zjist\u011bte v\u0161e o t\u011bchto dvou kart\u00e1ch s exkluzivn\u00edmi slevami na n\u00e1kupy v kamenn\u00fdch obchodech a online.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A\u0165 u\u017e jde o kartu Ourocard Universit\u00e1rio nebo kartu Acesso, ob\u011b maj\u00ed mezin\u00e1rodn\u00ed pokryt\u00ed a nevy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjmu. Porovnejte zde!<\/p>","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[385,1423,425,285],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cart\u00e3o Ourocard Universit\u00e1rio ou Cart\u00e3o Acesso: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Seja o cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso, ambos t\u00eam cobertura internacional e n\u00e3o exigem comprova\u00e7\u00e3o de renda. 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