{"id":40211,"date":"2021-10-21T12:00:00","date_gmt":"2021-10-21T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=40211"},"modified":"2021-10-21T19:15:38","modified_gmt":"2021-10-21T19:15:38","slug":"cartao-zencard-ou-cartao-atacadao","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/cartao-zencard-ou-cartao-atacadao\/","title":{"rendered":"Karta Zencard nebo karta Atacad\u00e3o: 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-zencard-x-atacad%C3%A3o-descubra-qual-escolher\">Zencard x Atacad\u00e3o: 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=\"Afinal, qual o melhor cart\u00e3o? Fonte: Pexels.\"  id=\"40213\" src=\"https:\/\/ucarecdn.com\/7ace42b6-1503-45a2-bb26-06615d21ec9a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afinal, qual o melhor cart\u00e3o? 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 Zencard ou o cart\u00e3o Atacad\u00e3o, ent\u00e3o, confira nosso conte\u00fado, a seguir, e descubra qual melhor atende \u00e0s suas necessidades financeiras. Nesse sentido, ambos s\u00e3o cart\u00f5es acess\u00edveis que oferecem benef\u00edcios exclusivos.<\/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 Zencard ou o cart\u00e3o Atacad\u00e3o oferecem benef\u00edcios, como programa de pontos das bandeiras. Ali\u00e1s, ambos oferecem cobertura internacional. Isso significa que voc\u00ea poder\u00e1 realizar suas compras tamb\u00e9m fora do pa\u00eds. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vale destacar que existem diversas op\u00e7\u00f5es de cart\u00e3o de cr\u00e9dito e \u00e9 importante pesquisar bastante antes de fazer a solicita\u00e7\u00e3o de um cart\u00e3o. Por isso, trouxemos aqui as caracter\u00edsticas principais, bem como vantagens e desvantagens dos dois cart\u00f5es, para que voc\u00ea possa decidir qual o ideal para o seu perfil. Confira!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2ko6hy\">\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-zencard\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o kartu Zencard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a528c157-5bf7-41c3-af5c-ab1fceaf29d9\/\" 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-zencard\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak za\u017e\u00e1dat o kartu Zencard\">\n            Jak za\u017e\u00e1dat o kartu Zencard        <\/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            O cart\u00e3o Zencard \u00e9 internacional e oferece programa de recompensa. Se voc\u00ea gostou das vantagens, veja agora mesmo o passo a passo para solicit\u00e1-lo.        <\/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-zencard\/\"  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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N\u00e1\u0161 t\u00fdm odd\u011blil pr\u016fvodce krok za krokem, abyste mohli odeslat sv\u016fj po\u017eadavek.        <\/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-cartao-atacadao\/\"  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-cartao-atacadao\/\"  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\/532ad1c2-6c88-4279-b815-427c2e5a89e6\/\">          \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 po\u017e\u00e1dat o kartu Atacad\u00e3o              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-atacadao\/\"  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><strong>&nbsp;<\/strong><\/td><td><strong>Karta Atacad\u00e3o<\/strong><\/td><td><strong>Karta Zencard<\/strong><\/td><\/tr><tr><td><strong>Minim\u00e1ln\u00ed p\u0159\u00edjem<\/strong><\/td><td>Neinformov\u00e1n<\/td><td>Neinformov\u00e1n<\/td><\/tr><tr><td><strong>Anuita<\/strong><\/td><td>12x z R$11.99<\/td><td>Osvobozeno<\/td><\/tr><tr><td><strong>Vlajka<\/strong><\/td><td>Visa nebo Mastercard<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>St\u0159echa<\/strong><\/td><td>Mezin\u00e1rodn\u00ed<\/td><td>Mezin\u00e1rodn\u00ed<\/td><\/tr><tr><td><strong>V\u00fdhody<\/strong><\/td><td>Exkluzivn\u00ed slevy; <br>Program benefit\u016f.<\/td><td>Clube de descontos;<br>Program p\u0159ekvapen\u00ed Mastercard.<\/td><\/tr><\/tbody><\/table><figcaption>Ostatn\u011b, jak\u00e9 jsou vlastnosti karet?<\/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-zencard-\"><strong>Karta Zencard<\/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=\"Confira mais sobre o cart\u00e3o Zencard. Fonte: Zencard.\"  id=\"40235\" src=\"https:\/\/ucarecdn.com\/6194a118-376a-417e-8c9b-d8e44cf8f65f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Confira mais sobre o cart\u00e3o Zencard. Fonte: Zencard.<\/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, o cart\u00e3o Zencard \u00e9 um cart\u00e3o de cr\u00e9dito pr\u00e9-pago que surgiu em parceria com a CredLuz. Ou seja, ele \u00e9 ideal para quem precisa de um cr\u00e9dito r\u00e1pido para sair do vermelho.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, \u00e9 poss\u00edvel obter um cr\u00e9dito pessoal tanto para pessoas f\u00edsicas quanto jur\u00eddicas. Dessa forma, voc\u00ea utiliza o valor no cart\u00e3o de cr\u00e9dito Zencard e as parcelas do empr\u00e9stimo s\u00e3o descontadas diretamente na sua conta de luz. Mas vale destacar que esse empr\u00e9stimo \u00e9 opcional, voc\u00ea tamb\u00e9m pode fazer a recarga normalmente no pl\u00e1stico.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, voc\u00ea pode acessar o site do Zencard e fazer a solicita\u00e7\u00e3o online, preenchendo um formul\u00e1rio. Caso seja aprovado, voc\u00ea receber\u00e1 o cart\u00e3o no endere\u00e7o informado com o valor solicitado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entretanto, \u00e9 importante informar que, por ser um cart\u00e3o pr\u00e9-pago, voc\u00ea n\u00e3o poder\u00e1 parcelar suas compras. Ali\u00e1s, tamb\u00e9m n\u00e3o pode sacar o valor do cr\u00e9dito pessoal em dinheiro. Assim, deve utiliz\u00e1-lo como cr\u00e9dito \u00e0 vista.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o cart\u00e3o \u00e9 emitido na bandeira Mastercard e oferece isen\u00e7\u00e3o de anuidade, mas cobra uma tarifa de mensalidade de R$ 7,90. Ali\u00e1s, voc\u00ea pode participar do programa de benef\u00edcios da bandeira, basta cadastrar seu cart\u00e3o no site da Mastercard.<\/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-atacad%C3%A3o-\"><strong>Karta Atacad\u00e3o<\/strong><strong><\/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=\"Afinal, como funciona o cart\u00e3o Atacad\u00e3o? Fonte: Atacad\u00e3o.\"  id=\"40233\" src=\"https:\/\/ucarecdn.com\/95a9eddd-642e-4d23-b500-7c559c83e22c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afinal, como funciona o cart\u00e3o Atacad\u00e3o? Fonte: Atacad\u00e3o.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de tudo, \u00e9 importante que voc\u00ea saiba que a rede de supermercados Atacad\u00e3o pertence a rede Carrefour. Dessa forma, o cart\u00e3o Atacad\u00e3o \u00e9 emitido pela Carrefour Solu\u00e7\u00f5es Financeiras e, portanto, \u00e9 um produto totalmente seguro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, a rede emite o cart\u00e3o nas bandeiras Visa ou Mastercard e oferece cobertura internacional. Ou seja, isso significa que voc\u00ea pode realizar compras com seu cart\u00e3o Atacad\u00e3o 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 pode solicitar seu cart\u00e3o de maneira online, atrav\u00e9s do site oficial das lojas Atacad\u00e3o. Ou ainda, pode comparecer a uma loja f\u00edsica e pedir o seu. Nesse sentido, a an\u00e1lise de cr\u00e9dito \u00e9 r\u00e1pida e, se aprovado, voc\u00ea poder\u00e1 sair da loja com seu cart\u00e3o em m\u00e3os.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, o cart\u00e3o \u00e9 bastante moderno e possui aplicativo pr\u00f3prio. Dessa forma, voc\u00ea pode fazer o download do app atrav\u00e9s da Play Store ou da App Store, j\u00e1 que ele est\u00e1 dispon\u00edvel tanto para Android quanto para iOS.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m do mais, o cart\u00e3o cobra anuidade no valor de R$11,99 mensais. Contudo, esse valor pode valer a pena caso voc\u00ea realize compras frequentes nas lojas da rede Atacad\u00e3o. Mas se voc\u00ea ainda tem d\u00favidas entre o cart\u00e3o Zencard ou o cart\u00e3o Atacad\u00e3o, continue a leitura e descubra mais detalhes sobre esses dois produtos.<\/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-zencard-\"><strong>Quais as vantagens do cart\u00e3o Zencard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, a principal vantagem do cart\u00e3o Zencard \u00e9 que ele aceita negativados. Ademais, como o cr\u00e9dito pessoal opcional \u00e9 descontado diretamente na sua conta de luz, ainda que voc\u00ea tenha alguma restri\u00e7\u00e3o no nome, voc\u00ea tem grandes chances de aprova\u00e7\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, o cart\u00e3o oferece isen\u00e7\u00e3o de anuidade al\u00e9m de possuir cobertura internacional. Ou seja, voc\u00ea poder\u00e1 usar seu cart\u00e3o tanto dentro, quanto fora do pa\u00eds. Ademais, voc\u00ea tem acesso ao Clube de Descontos no qual existem cupons ilimitados para comprar nas lojas credenciadas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, voc\u00ea tamb\u00e9m pode usar seu cart\u00e3o Zencard para participar do programa de benef\u00edcios Mastercard Surpreenda. Assim, pode acumular pontos e trocar por vouchers de descontos em lojas parceiras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No entanto, se voc\u00ea ainda n\u00e3o tem certeza se deve escolher o cart\u00e3o Zencard ou cart\u00e3o Atacad\u00e3o, confira, a seguir, as desvantagens de ambos os produtos. Desse modo, voc\u00ea ficar\u00e1 mais preparado na hora de optar por um desses produtos.<\/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-atacad%C3%A3o-\"><strong>Jak\u00e9 jsou v\u00fdhody karty Atacad\u00e3o?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De in\u00edcio, a vantagem mais atraente do cart\u00e3o Atacad\u00e3o s\u00e3o os benef\u00edcios que ele oferece para quem consome frequentemente nas lojas da rede. Nesse sentido, o cart\u00e3o te d\u00e1 direito a descontos exclusivos, al\u00e9m de parcelamento especial para alguns itens da loja.<\/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 ainda oferece atendimento e gerenciamento atrav\u00e9s de seu aplicativo exclusivo. Ademais, voc\u00ea tamb\u00e9m pode participar do programa de benef\u00edcios das bandeiras, como Vai de Visa ou Mastercard Surpreenda. Dessa forma, voc\u00ea s\u00f3 precisa cadastrar o seu cart\u00e3o Atacad\u00e3o no site oficial das bandeiras e come\u00e7ar a us\u00e1-lo!<\/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-zencard-\"><strong>Jak\u00e9 jsou nev\u00fdhody karty Zencard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o principal ponto negativo do cart\u00e3o Zencard s\u00e3o os juros. Nesse sentido, se voc\u00ea optar pelo cr\u00e9dito pessoal disponibilizado no cart\u00e3o, voc\u00ea pagar\u00e1 juros de acordo com as parcelas do cr\u00e9dito solicitado. Ali\u00e1s, os valores ser\u00e3o descontados diretamente na sua conta de luz, j\u00e1 que a Zencard possui parceria com a CredLuz.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, \u00e9 importante lembrar que voc\u00ea n\u00e3o poder\u00e1 parcelar nenhuma compra com o cart\u00e3o Zencard, al\u00e9m de n\u00e3o poder sacar o valor do cr\u00e9dito pessoal em dinheiro. Por\u00e9m, se voc\u00ea recarregar normalmente o cart\u00e3o pode sacar tranquilamente, mas tem uma tarifa de R$ 6,90 por transa\u00e7\u00e3o. Al\u00e9m disso, ele n\u00e3o cobra anuidade, mas tem uma mensalidade de R$ 7,90.<\/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-atacad%C3%A3o-\"><strong>Jak\u00e9 jsou nev\u00fdhody karty Atacad\u00e3o?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o principal ponto negativo do cart\u00e3o Atacad\u00e3o \u00e9 a cobran\u00e7a de anuidade. Nesse sentido, o cart\u00e3o cobra uma tarifa de R$11,99 mensais dos seus clientes. Ali\u00e1s, existem outras op\u00e7\u00f5es de cart\u00e3o de cr\u00e9dito no mercado que s\u00e3o isentas dessa taxa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o cart\u00e3o tem cobran\u00e7a de juros em caso de atraso de pagamento na fatura. Assim, os valores cobrados s\u00e3o bastante altos. Portanto, fique atento e n\u00e3o atrase o pagamento, ou voc\u00ea pode acabar endividado!<\/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-zencard-ou-cart%C3%A3o-atacad%C3%A3o-qual-escolher-\"><strong>Cart\u00e3o Zencard ou Cart\u00e3o Atacad\u00e3o: qual escolher?<\/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=\"Afinal, qual cart\u00e3o escolher? Fonte: Unsplash.\"  id=\"40214\" src=\"https:\/\/ucarecdn.com\/b262a734-2bf8-41ae-94e1-8e41d07bd9eb\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afinal, qual cart\u00e3o escolher? Fonte: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, tanto o cart\u00e3o Zencard ou cart\u00e3o Atacad\u00e3o oferecem pontos positivos e negativos. No entanto, eles s\u00e3o produtos diferentes para perfis financeiros distintos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, se voc\u00ea est\u00e1 com score baixo ou com alguma restri\u00e7\u00e3o no nome, ent\u00e3o, talvez o cart\u00e3o Zencard seja mais indicado para voc\u00ea. Nesse sentido, voc\u00ea pode ser aprovado mesmo que esteja negativado e o valor do cr\u00e9dito pessoal pode te ajudar a sair do sufoco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entretanto, caso voc\u00ea seja um cliente frequente da rede Atacad\u00e3o, ent\u00e3o, pode ser que o cart\u00e3o Atacad\u00e3o vale mais a pena para voc\u00ea. Desse modo, o cart\u00e3o oferece muitos benef\u00edcios para clientes da rede.<\/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 ainda tem d\u00favidas de qual cart\u00e3o \u00e9 ideal para voc\u00ea, confira nosso conte\u00fado, a seguir, e descubra mais op\u00e7\u00f5es!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1EtAw6\">\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-atacadao-ou-cartao-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Atacad\u00e3o ou cart\u00e3o Acesso: qual o melhor?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ea630f8d-b3ce-4461-ab1c-aff44ca83f98\/\" 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-atacadao-ou-cartao-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Atacad\u00e3o ou cart\u00e3o Acesso: qual o melhor?\">\n            Cart\u00e3o Atacad\u00e3o ou cart\u00e3o Acesso: qual o melhor?        <\/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            Escolha entre o cart\u00e3o Atacad\u00e3o ou cart\u00e3o Acesso. Ambos oferecem poucas tarifas e compras internacionais. Leia este post e confira todas as suas caracter\u00edsticas.        <\/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-atacadao-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? 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 ? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/cartao-atacadao-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>Se voc\u00ea est\u00e1 em d\u00favida entre o cart\u00e3o Zencard ou o cart\u00e3o Atacad\u00e3o, ent\u00e3o, confira nosso conte\u00fado e compare suas caracter\u00edsticas principais, al\u00e9m de vantagens e desvantagens. 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