{"id":49181,"date":"2022-02-21T12:01:00","date_gmt":"2022-02-21T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=49181"},"modified":"2022-02-21T22:28:49","modified_gmt":"2022-02-21T22:28:49","slug":"conheca-cartao-caixa-mais","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/conheca-cartao-caixa-mais\/","title":{"rendered":"Objevte kartu Caixa Mais"},"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>Cart\u00e3o Caixa Mais: um cart\u00e3o completo e internacional feito para voc\u00ea<\/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=\"Com o cart\u00e3o Caixa Mais o cliente participa do Programa de Pontos e j\u00e1 ganha um b\u00f4nus de 2.000 pontos ao pagar sua primeira fatura. Fonte: Caixa Econ\u00f4mica Federal.\"  id=\"51410\" src=\"https:\/\/cdn.adtechpanda.com\/8b5168f0-b8e9-487d-864f-262c8a1de8da\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Com o cart\u00e3o Caixa Mais o cliente participa do Programa de Pontos e j\u00e1 ganha um b\u00f4nus de 2.000 pontos ao pagar sua primeira fatura. Fonte: Caixa Econ\u00f4mica Federal.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1 conhece o cart\u00e3o Caixa Mais? Se voc\u00ea nunca ouviu falar, est\u00e1 perdendo tempo e a oportunidade de ter um cart\u00e3o completo em m\u00e3os de forma r\u00e1pida e simples. Portanto, o cart\u00e3o conta com a bandeira Elo, cobertura internacional e muitas outras vantagens que v\u00e3o te impressionar. Apesar de ser simples, ele d\u00e1 muita liberdade para o titular.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas isso \u00e9 pouco, vamos te contar mais sobre o cart\u00e3o, como solicitar, al\u00e9m da documenta\u00e7\u00e3o necess\u00e1ria para entregar ao banco. Ent\u00e3o, vamos l\u00e1 conhecer mais sobre esse cart\u00e3o e o que ele tem para nos oferecer!<\/p>\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><strong>Anuita<\/strong><\/td><td>12x z R$ 17.25<\/td><\/tr><tr><td><strong>Minim\u00e1ln\u00ed p\u0159\u00edjem<\/strong><\/td><td>Neinformov\u00e1n<\/td><\/tr><tr><td><strong>Vlajka<\/strong><\/td><td>Odkaz<\/td><\/tr><tr><td><strong>St\u0159echa<\/strong><\/td><td>Mezin\u00e1rodn\u00ed<\/td><\/tr><tr><td><strong>V\u00fdhody<\/strong><\/td><td>Programa de pontos, ampla aceita\u00e7\u00e3o, flexibilidade de pagamento<\/td><\/tr><\/tbody><\/table><figcaption>Caracter\u00edsticas do cart\u00e3o Caixa Mais<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1aNO0Y\">\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-cartao-caixa-mais\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak po\u017e\u00e1dat o kartu Caixa Mais\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4da31796-3803-43e5-a8b8-04d2a1e789b3\/\" 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-cartao-caixa-mais\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak po\u017e\u00e1dat o kartu Caixa Mais\">\n            Jak po\u017e\u00e1dat o kartu Caixa Mais        <\/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 Caixa Mais possui ampla aceita\u00e7\u00e3o com a bandeira Elo, cobertura internacional e programa de pontos. Aprenda aqui a solicitar o seu!        <\/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-caixa-mais\/\"  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-cartao-caixa-mais\/\"  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\/4da31796-3803-43e5-a8b8-04d2a1e789b3\/\">          \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 Caixa Mais              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-caixa-mais\/\"  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><!--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>Caracter\u00edsticas principais do Caixa Mais<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Caixa Mais possui cobertura internacional. Al\u00e9m disso, est\u00e1 vinculado a bandeira Elo, aceita em muitos lugares que oferece mais liberdade para o titular do cart\u00e3o. Destina-se a maiores de 18 anos ou menores de 16 emancipados. Al\u00e9m disso, ao adquirir o cliente contar\u00e1 com um b\u00f4nus de 2.000 pontos que ser\u00e1 creditado ap\u00f3s o pagamento da sua primeira fatura que conste a primeira compra realizada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O banco realiza a cobran\u00e7a de anuidade. No entanto, o parcelamento da mesma pode ser feito em at\u00e9 12 vezes sem juros, cobrados na fatura do seu cart\u00e3o. Falando em parcelamento, o cliente pode contar com flexibilidade de pagamento de suas compras, pois alguns estabelecimentos que aceitam o cart\u00e3o dividem suas compras em at\u00e9 24 vezes sem juros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra caracter\u00edstica desse cart\u00e3o \u00e9 a praticidade que ele oferece para os clientes. Ou seja, \u00e9 muito simples de utilizar. Sendo assim, pelo pr\u00f3prio app voc\u00ea pode pagar contas, boletos e realizar todo tipo de procedimento.<\/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>Pro koho je karta vhodn\u00e1<\/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, para quem \u00e9 indicado o cart\u00e3o Caixa Mais? Fonte: Pixabay.\"  id=\"49183\" src=\"https:\/\/cdn.adtechpanda.com\/b565f888-f15c-49e6-b58f-fc6a19cfcf37\/\" 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, para quem \u00e9 indicado o cart\u00e3o Caixa Mais? Fonte: Pixabay.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esse \u00e9 considerado um cart\u00e3o de entrada para pessoas que querem um servi\u00e7o simples e com boas vantagens principalmente com rela\u00e7\u00e3o \u00e0 bandeira. Al\u00e9m disso, o cart\u00e3o \u00e9 indicado para maiores de 18 anos ou menores de 16 anos emancipados.<\/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>Cart\u00e3o de cr\u00e9dito Caixa Mais vale a pena?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Analisando o cart\u00e3o Caixa Mais \u00e9 poss\u00edvel perceber que a bandeira Elo torna o cart\u00e3o ainda mais atrativo com o programa de pontos e as outras vantagens como troca de benef\u00edcios e muito mais.<\/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 pr\u00f3prio banco j\u00e1 oferece benef\u00edcios fixos como a cobertura Internacional. No entanto, \u00e9 cobrado anuidade de R$ 207,00, paga em 12 parcelas de R$ 17,25. Um ponto tamb\u00e9m a ser considerado \u00e9 a realiza\u00e7\u00e3o de an\u00e1lise de cr\u00e9dito. Portanto, o cart\u00e3o n\u00e3o aprova negativados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Resumindo, esse cart\u00e3o tem mais pontos altos do que baixos. Portanto, vale sim a pena solicitar o cart\u00e3o e come\u00e7ar a usufruir das suas vantagens.<\/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<h3>V\u00fdhody<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma das vantagens \u00e9 um programa de pontos com b\u00f4nus que os clientes podem aproveitar ao m\u00e1ximo \u00e0 medida que utilizam o cart\u00e3o. J\u00e1 em rela\u00e7\u00e3o aos pagamentos, voc\u00ea pode realizar parcelamentos em at\u00e9 24 vezes sem juros e tarifas de cobran\u00e7as. Para isso, consulte o estabelecimento parceiro. Ademais, o cart\u00e3o \u00e9 aceito dentro e fora do pa\u00eds. Ou seja, possui cobertura internacional.<\/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<h3>Nev\u00fdhody<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dentre as desvantagens podemos destacar, que o cart\u00e3o somente pode ser solicitado por maiores de 18 anos ou menores de 16 anos emancipados com renda pr\u00f3pria. Al\u00e9m disso, existe a cobran\u00e7a de anuidade parcelada em 12 vezes. Por fim, a Caixa Econ\u00f4mica Federal realiza an\u00e1lise de cr\u00e9dito para aprova\u00e7\u00e3o dos seus cart\u00f5es, o que poder\u00e1 impossibilitar aprova\u00e7\u00e3o para negativados.<\/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>Como fazer um cart\u00e3o de cr\u00e9dito Caixa Mais?<\/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=\"Solicite o cart\u00e3o Caixa Mais em uma ag\u00eancia mais pr\u00f3xima ou correspondente banc\u00e1ria, e tenha acesso ao app Caixa para realizar todas as movimenta\u00e7\u00f5es do seu cart\u00e3o. Fonte: Pexels.\"  id=\"49184\" src=\"https:\/\/cdn.adtechpanda.com\/fc35b4b8-bf17-4cd8-87b2-d21a15592f53\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Solicite o cart\u00e3o Caixa Mais em uma ag\u00eancia mais pr\u00f3xima ou correspondente banc\u00e1ria, e tenha acesso ao app Caixa para realizar todas as movimenta\u00e7\u00f5es do seu 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>Para solicitar o cart\u00e3o \u00e9 necess\u00e1rio comparecer a uma ag\u00eancia ou correspondente mais pr\u00f3xima de voc\u00ea e preencher o formul\u00e1rio de ades\u00e3o.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Os documentos necess\u00e1rios para solicita\u00e7\u00e3o s\u00e3o:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>CPF e Identidade;<\/li><li>Comprovante de renda e de resid\u00eancia.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Feito isto, ser\u00e1 realizada an\u00e1lise de cr\u00e9dito. No mesmo momento o atendente lhe dar\u00e1 resposta sobre a aprova\u00e7\u00e3o do seu cart\u00e3o Caixa Mais. Ademais, se quiser saber mais detalhes sobre esse processo, confira o conte\u00fado recomendado abaixo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1I82pJ\">\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-cartao-caixa-mais\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak po\u017e\u00e1dat o kartu Caixa Mais\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4da31796-3803-43e5-a8b8-04d2a1e789b3\/\" 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-cartao-caixa-mais\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak po\u017e\u00e1dat o kartu Caixa Mais\">\n            Jak po\u017e\u00e1dat o kartu Caixa Mais        <\/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 Caixa Mais possui ampla aceita\u00e7\u00e3o com a bandeira Elo, cobertura internacional e programa de pontos. Aprenda aqui a solicitar o seu!        <\/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-caixa-mais\/\"  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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Al\u00e9m disso, \u00e9 internacional e possui possibilita de parcelamento das compras em at\u00e9 24 vezes. Saiba mais sobre ele aqui.<\/p>","protected":false},"author":29,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[2574,202,2571,2972,2573,2570,2572],"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>Conhe\u00e7a o cart\u00e3o Caixa Mais - Senhor Panda<\/title>\n<meta name=\"description\" content=\"O cart\u00e3o Caixa Mais possui cobertura internacional com a bandeira Elo e oferece aos clientes benef\u00edcios, como programa de pontos. 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