{"id":29031,"date":"2021-08-17T12:00:00","date_gmt":"2021-08-17T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29031"},"modified":"2021-08-16T21:41:08","modified_gmt":"2021-08-16T21:41:08","slug":"cartao-ibicard-ou-cartao-crefisa-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/cartao-ibicard-ou-cartao-crefisa-qual-o-melhor\/","title":{"rendered":"Ibicard Card nebo Crefisa Card: kter\u00e1 je nejlep\u0161\u00ed?"},"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-ibicard-x-crefisa-descubra-qual-escolher\">Ibicard x Crefisa: 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 Ibicard ou cart\u00e3o Crefisa: qual escolher? Fonte: Pxhere.\"  id=\"29033\" src=\"https:\/\/ucarecdn.com\/3bb99ff3-6a1b-4615-af44-72d1912a350c\/\" 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 Ibicard ou cart\u00e3o Crefisa: qual escolher? Fonte: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c9 prov\u00e1vel que voc\u00ea tenha chegado at\u00e9 aqui porque n\u00e3o conseguiu aprova\u00e7\u00e3o em nenhum cart\u00e3o de cr\u00e9dito por estar com nome sujo, n\u00e3o \u00e9 mesmo? Pensando nisso, vamos trazer detalhes para que voc\u00ea escolha entre o cart\u00e3o Ibicard ou cart\u00e3o Crefisa, que aparecem como chance para este p\u00fablico.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, o cart\u00e3o Ibicard \u00e9 associado ao Banco Bradesco, tem chance alta de aprova\u00e7\u00e3o para quem tem score baixo ou est\u00e1 com nome negativo, ou seja, ele libera um certo limite e os benef\u00edcios mesmo com inadimpl\u00eancia. Al\u00e9m disso, funciona como qualquer outro cart\u00e3o de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, temos o cart\u00e3o Crefisa, que tamb\u00e9m promete a aprova\u00e7\u00e3o para caracter\u00edsticas como as j\u00e1 citadas. Entretanto, \u00e9 um cart\u00e3o que exige algumas coisas para funcionar na fun\u00e7\u00e3o d\u00e9bito, como a transfer\u00eancia de valores ou a aprova\u00e7\u00e3o de um empr\u00e9stimo pela Crefisa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, \u00e9 ideal para quem j\u00e1 possui hist\u00f3rico com a empresa e pode ser a solu\u00e7\u00e3o caso voc\u00ea precise de dinheiro r\u00e1pido, por exemplo. Por fim, vamos comparar esses dois cart\u00f5es e destacar as informa\u00e7\u00f5es mais importantes, a fim de que decida entre o cart\u00e3o Ibicard ou cart\u00e3o Crefisa. Vamos l\u00e1!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z10ynK8\">\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-ibicard-facil\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Ibicard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a0a4d66f-f503-42c5-9542-bf525d5206aa\/\" 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-ibicard-facil\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Ibicard\">\n            Como solicitar o cart\u00e3o Ibicard        <\/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            Perfeito para negativados, o cart\u00e3o Ibicard possibilita compras online e internacionais, al\u00e9m de prazo de 40 dias para pagar primeiras compras. Conhe\u00e7a!        <\/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-ibicard-facil\/\"  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? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? 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-ibicard-facil\/\"  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\/a0a4d66f-f503-42c5-9542-bf525d5206aa\/\">          \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                Como solicitar o cart\u00e3o Ibicard              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-ibicard-facil\/\"  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=\"wp-block-lazyblock-cta lazyblock-cta-nWpF5\">\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-crefisa\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o kartu Crefisa\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1551fa3a-7136-41ab-bcc5-5e7a1bcf9912\/\" 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-crefisa\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o kartu Crefisa\">\n            Jak za\u017e\u00e1dat o kartu Crefisa        <\/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            Empr\u00e9stimo para negativado e conta digital pronta para qualquer transa\u00e7\u00e3o banc\u00e1ria? Somente a Crefisa pode oferecer. Saiba mais!        <\/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-crefisa\/\"  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? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? 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-crefisa\/\"  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\/1551fa3a-7136-41ab-bcc5-5e7a1bcf9912\/\">          \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 kartu Crefisa              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-o-cartao-crefisa\/\"  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 is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>Cart\u00e3o Ibicard<\/strong><\/td><td><strong>Karta Crefisa<\/strong><\/td><\/tr><tr><td><strong>Minim\u00e1ln\u00ed p\u0159\u00edjem<\/strong><\/td><td>Nen\u00ed po\u017eadov\u00e1no<\/td><td>Nen\u00ed po\u017eadov\u00e1no<\/td><\/tr><tr><td><strong>Anuita<\/strong><\/td><td>R$ 36,00<\/td><td>Osvobozeno<\/td><\/tr><tr><td><strong>Vlajka<\/strong><\/td><td>MasterCard<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>St\u0159echa<\/strong><\/td><td>N\u00e1rodn\u00ed a mezin\u00e1rodn\u00ed<\/td><td>N\u00e1rodn\u00ed<\/td><\/tr><tr><td><strong>V\u00fdhody<\/strong><\/td><td>Poss\u00edvel aprova\u00e7\u00e3o para negativos<br>40 dias para pagar compras<br>N\u00e3o precisa comprovar renda<\/td><td>Debetn\u00ed karta\u00a0<br>P\u016fj\u010dka pro negativn\u00ed lidi s pen\u011bzi dostupn\u00fdmi na \u00fa\u010dtu Crefisa<br>Vyb\u00edrejte pen\u00edze z bankomat\u016f Banco24Horas<\/td><\/tr><\/tbody><\/table><figcaption>Ale konec konc\u016f, kter\u00fd si vybrat?<\/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-ibicard-\"><strong>Cart\u00e3o Ibicard<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mais que pare\u00e7a dif\u00edcil de acreditar, a promessa do cart\u00e3o Ibicard \u00e9 uma op\u00e7\u00e3o para quem tem score baixo conseguir um bom limite de cr\u00e9dito e poder realizar transa\u00e7\u00f5es como qualquer pessoa adimplente, ou seja, parcelar compras, participar de programas de pontos e fazer compras internacionais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Depois que a aprova\u00e7\u00e3o acontece, voc\u00ea ter\u00e1 um cart\u00e3o associado ao banco Bradesco com isen\u00e7\u00e3o de comprova\u00e7\u00e3o de renda, al\u00e9m disso, ter\u00e1 algumas op\u00e7\u00f5es de ibicard para escolher, entre elas, o ibicard F\u00e1cil, indicado para quem est\u00e1 negativado e precisa pagar na modalidade cr\u00e9dito os servi\u00e7os de streaming, aplicativos de comida ou outros pagamentos mensais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa maneira, voc\u00ea poder\u00e1 parcelar compras em at\u00e9 12x, utilizar as bandeiras de cr\u00e9dito normalmente e ainda pagar as taxas mais baixas entre os cart\u00f5es do mesmo perfil, ademais, h\u00e1 tamb\u00e9m a vantagem da conta F\u00e1cil, que possibilita o parcelamento de boletos de \u00e1gua e luz em at\u00e9 3x, benef\u00edcios que voc\u00ea s\u00f3 encontra fazendo o pedido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, na hora de escolher entre o cart\u00e3o Ibicard ou cart\u00e3o Crefisa, considere qual seria ideal para seu momento financeiro, por exemplo, ent\u00e3o, continue a leitura e veja o comparativo.<\/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-crefisa-\"><strong>Karta Crefisa<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em contrapartida, h\u00e1 chances de que o cart\u00e3o Crefisa seja liberado para pessoas com score baixo, mas o foco \u00e9 outro: essa op\u00e7\u00e3o \u00e9 ideal para clientes da marca, que possam fazer empr\u00e9stimos ou transfer\u00eancias de valores e movimentar a conta de d\u00e9bito com esse valor disponibilizado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em suma, voc\u00ea recarrega o cart\u00e3o como puder, de prefer\u00eancia contratando um empr\u00e9stimo e seguindo com as transa\u00e7\u00f5es financeiras. Seja como for, ele tem bandeira Mastercard, possibilita compras \u00e0 vista e n\u00e3o cobra anuidade. Ademais, o cart\u00e3o Crefisa pode ser solicitado pelo site, bem como as modalidades de empr\u00e9stimo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Logo ap\u00f3s o pedido feito, \u00e9 preciso esperar a aprova\u00e7\u00e3o\u00a0e abrir uma conta Crefisa, ent\u00e3o, movimente o dinheiro como uma conta banc\u00e1ria normal: fa\u00e7a transfer\u00eancias, pagamento de boletos, fa\u00e7a a portabilidade de sal\u00e1rio e construa um hist\u00f3rico financeiro com a empresa, j\u00e1 que isso pode te ajudar na aprova\u00e7\u00e3o de cr\u00e9dito pessoal ou consignado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, avalie esses pontos se for negativado e precisa decidir entre o cart\u00e3o Ibicard ou cart\u00e3o Crefisa: os dois podem ser liberados para quem tem nome sujo, mas somente um pode disponibilizar um limite de cr\u00e9dito pr\u00e9-aprovado, parcelamentos e outras transa\u00e7\u00f5es inerentes a cart\u00f5es de cr\u00e9dito.<\/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-ibicard-\"><strong>Quais as vantagens do cart\u00e3o Ibicard?<\/strong><\/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 Ibicard n\u00e3o exige comprova\u00e7\u00e3o de renda. Fonte: Ibicard.\"  id=\"20884\" src=\"https:\/\/ucarecdn.com\/cb042d15-115b-4b75-af90-49cba2b5607f\/\" 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 Ibicard n\u00e3o exige comprova\u00e7\u00e3o de renda. Fonte: Ibicard.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m da possibilidade de acesso a negativados, o Ibicard conta com uma baixa anuidade e \u00e9 associado a um banco com diversas vantagens, como Bradesco, portando, ser\u00e1 como ser um cliente Bradesco e aproveitar as suas facilidades. Ademais, veja outras vantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Aprova\u00e7\u00e3o para negativado com renda pr\u00e9-estabelecida;<\/li><li>Tipos de cart\u00e3o para escolher a depender do perfil financeiro;<\/li><li>Anuidade baixa;<\/li><li>Parcelamentos dispon\u00edveis e at\u00e9 pagamentos boletos, como \u00e1gua e luz em parcelas;<\/li><li>Acumule pontos nas compras;<\/li><li>Movimente e fa\u00e7a saques nas ag\u00eancias ou no aplicativo Bradesco.<\/li><\/ul>\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-crefisa-\"><strong>Jak\u00e9 jsou v\u00fdhody karty Crefisa?<\/strong><\/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=\"Empr\u00e9stimo para negativado e conta gratuita. Fonte: Crefisa.\"  id=\"21917\" src=\"https:\/\/ucarecdn.com\/31bc40cf-1152-4c16-b2e7-caec573cebb7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Empr\u00e9stimo para negativado e conta gratuita. Fonte: Crefisa.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mais que pare\u00e7a direcionado a apenas um p\u00fablico, o cart\u00e3o Crefisa pode ser a sa\u00edda para quem est\u00e1 mergulhado em d\u00edvidas e precisa pagar algumas contas com cart\u00e3o de d\u00e9bito, j\u00e1 que por exemplo, algumas compras pela internet n\u00e3o s\u00e3o feitas por boletos. Portanto, confira mais vantagens abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Nunca pague anuidade;<\/li><li>Receba seu empr\u00e9stimo mais r\u00e1pido e fa\u00e7a compras no d\u00e9bito;<\/li><li>Facilite a aprova\u00e7\u00e3o do empr\u00e9stimo com a an\u00e1lise do cart\u00e3o;<\/li><li>Conta digital com transa\u00e7\u00f5es banc\u00e1rias dispon\u00edveis, como transfer\u00eancias, saques e pagamento de boletos;<\/li><li>Agente crefisa: indique amigos e ganhe dinheiro se eles contratarem;<\/li><li>Movimente a conta pelo aplicativo Crefisa.<\/li><\/ul>\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-ibicard-\"><strong>Quais as desvantagens do cart\u00e3o Ibicard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m de benef\u00edcios, precisamos citar as desvantagens deste cart\u00e3o, entre elas, a anuidade que cobra um valor todo m\u00eas independentemente do uso ou n\u00e3o do limite para fazer compras ou pagamentos. Al\u00e9m disso, h\u00e1 tamb\u00e9m taxas por saques, que chegam a 7,90%\u00a0 e taxas de\u00a0 parcelamentos, que podem chegar a 4,90%.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, n\u00e3o \u00e9 poss\u00edvel solicitar pela internet, somente por uma loja Ibi ou no pr\u00f3prio banco Bradesco, por exemplo. Em virtude da seguran\u00e7a, a informa\u00e7\u00e3o tamb\u00e9m de que o limite de cr\u00e9dito \u00e9 determinado por um dep\u00f3sito feito na conta, para a\u00ed sim um limite pr\u00e9-aprovado surgir, ou seja, deve-se movimentar a conta para que haja chances de aprova\u00e7\u00e3o e utiliza\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=\"6-quais-as-desvantagens-do-cart%C3%A3o-crefisa-\"><strong>Jak\u00e9 jsou nev\u00fdhody karty Crefisa?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mesmo que o cart\u00e3o Crefisa facilite a vida de quem busca por empr\u00e9stimo em um momento de dificuldades financeiras, ele tamb\u00e9m n\u00e3o aparece com muitas caracter\u00edsticas atrativas para que o cart\u00e3o seja solicitado. Ademais, n\u00e3o poder utiliz\u00e1-lo nas compras da modalidade cr\u00e9dito n\u00e3o soluciona.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, parcelamentos, participa\u00e7\u00e3o em programas de pontos das bandeiras e outras vantagens est\u00e3o exclu\u00eddas. Al\u00e9m disso, existem tarifas para saques feitos em esp\u00e9cie e voc\u00ea s\u00f3 poder\u00e1 movimentar a conta Crefisa mediante a contrata\u00e7\u00e3o de empr\u00e9stimo, portabilidade de sal\u00e1rio ou transfer\u00eancia de valores para compras.<\/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-ibicard-ou-cart%C3%A3o-crefisa-qual-escolher-\"><strong>Cart\u00e3o Ibicard ou Cart\u00e3o Crefisa: qual escolher?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, ainda que desvantagens apare\u00e7am, as duas op\u00e7\u00f5es s\u00e3o excelentes para quem est\u00e1 negativado e precisa realizar sonhos, pagar d\u00edvidas ou evoluir financeiramente. Nesse sentido, vale a pena, a n\u00e3o ser que voc\u00ea precise mais de um limite pr\u00e9-aprovado do que um valor dispon\u00edvel por meio de empr\u00e9stimo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, a decis\u00e3o fica mais f\u00e1cil na hora de escolher entre o cart\u00e3o Ibicard ou cart\u00e3o Crefisa, ainda sim, se a d\u00favida permanecer, n\u00e3o se preocupe: nossa equipe preparou outro comparativo para seu perfil e que pode te ajudar a ter cr\u00e9dito novamente, ou apenas pagar Netflix, Spotify ou aplicativos de comida e carona. Continue conosco!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZyDsF3\">\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-ourocard-universitario-ou-cartao-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/02a91394-46a7-4c0b-8e60-d1a0844ba966\/\" 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-ourocard-universitario-ou-cartao-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso\">\n            Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso        <\/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            Entre um cart\u00e3o para estudantes e outro para negativados, qual se encaixaria melhor no seu perfil? A primeira op\u00e7\u00e3o libera limite sem comprova\u00e7\u00e3o de renda. Saiba mais!        <\/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-ourocard-universitario-ou-cartao-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\/cartao-ourocard-universitario-ou-cartao-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\/02a91394-46a7-4c0b-8e60-d1a0844ba966\/\">          \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                Cart\u00e3o Ourocard Universit\u00e1rio ou cart\u00e3o Acesso              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/cartao-ourocard-universitario-ou-cartao-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>","protected":false},"excerpt":{"rendered":"<p>Desde que o cart\u00e3o de cr\u00e9dito foi criado, o objetivo n\u00e3o era o negativado. Entretanto, op\u00e7\u00f5es que chegam at\u00e9 esse p\u00fablico come\u00e7aram a aparecer. Por isso, decida entre o cart\u00e3o Ibicard e o cart\u00e3o Crefisa. Duas op\u00e7\u00f5es de cart\u00e3o ideais para voc\u00ea!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[275,498,198,445,265,296],"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 Ibicard ou Cart\u00e3o Crefisa: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decida entre o cart\u00e3o Ibicard ou cart\u00e3o Crefisa e conhe\u00e7a op\u00e7\u00f5es que podem ser ideais para os negativados. 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