{"id":27020,"date":"2021-08-04T23:01:00","date_gmt":"2021-08-04T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=27020"},"modified":"2021-08-16T16:57:35","modified_gmt":"2021-08-16T16:57:35","slug":"cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/de\/cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/","title":{"rendered":"Havan-Karte oder Ricardo-Eletro-Karte: Was ist besser?"},"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-havan-x-ricardo-eletro-descubra-qual-escolher\">Havan x Ricardo Eletro: Finden Sie heraus, welches Sie w\u00e4hlen sollten<\/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 Havan ou Cart\u00e3o Ricardo Eletro: qual o melhor? Fonte Pexels.\"  id=\"27145\" src=\"https:\/\/ucarecdn.com\/a7dc797e-7113-4616-ac92-c5c2ff596a9a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Havan Card oder Ricardo Eletro Card: Welche ist die Beste? Quelle Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Erstens ist die Wahl einer Kreditkarte nie einfach, und wenn sich die Gelegenheit ergibt, sie in einem gro\u00dfen Kaufhaus zu kaufen, denken viele Leute, dass sie m\u00f6glicherweise nicht vorteilhaft ist, was bei der Havan-Karte oder der Ricardo Eletro-Karte nicht der Fall ist.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dies liegt daran, dass viele Gesch\u00e4fte, wie die oben genannten, beschlossen haben, in ihre Kreditkarten zu investieren und sie so zu Verb\u00fcndeten bei der Finanzplanung zu machen. Im Falle der Havan-Karte oder der Ricardo Eletro-Karte bieten sie Vorteile, die f\u00fcr jedes Budget n\u00fctzlich sind.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deshalb haben wir die beiden Karten ausgew\u00e4hlt, um Ihnen bei Ihrer Entscheidung zu helfen, damit Sie einige wichtige Details wissen, wie zum Beispiel, dass die Havan-Karte nur f\u00fcr Eink\u00e4ufe im Gesch\u00e4ft gedacht ist, w\u00e4hrend die Ricardo-Eletro-Karte effektiv als Kredit fungiert Flagge und Jahresgeb\u00fchr.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Auch wenn es eine offensichtliche Wahl zu sein scheint, zeigen wir Ihnen die Vorteile und Details jeder einzelnen Option. Um eine ungesunde Entscheidung f\u00fcr Ihren Geldbeutel zu vermeiden, vergleichen Sie einfach zwischen der Havan-Karte und der Ricardo Eletro-Karte.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-uW9w6\">\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\/de\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie die Havan-Karte\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\" 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\/de\/como-solicitar-o-cartao-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie die Havan-Karte\">\n            So beantragen Sie die Havan-Karte        <\/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            Kaufen Sie immer im Laden? Besorgen Sie sich also eine Karte, die zinslose Ratenzahlungen, Rabatte auf verschiedene Produkte und vieles mehr bietet!        <\/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\/de\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Weiter lesen            <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\/de\/como-solicitar-o-cartao-havan\/\"  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\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\">          \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                So beantragen Sie die Havan-Karte              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-havan\/\"  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                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><br><\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZX2olU\">\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\/de\/como-solicitar-cartao-ricardo-eletro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie die Ricardo Eletro-Karte\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/401c9f8a-e304-4284-b9a5-678298e6c048\/\" 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\/de\/como-solicitar-cartao-ricardo-eletro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie die Ricardo Eletro-Karte\">\n            So beantragen Sie die Ricardo Eletro-Karte        <\/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            Eine Marken-Kreditkarte, ein Limit f\u00fcr Mindestlohnempf\u00e4nger und unglaubliche Rabatte in Ricardo Eletro-Filialen. Bestellen Sie Ihr!        <\/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\/de\/como-solicitar-cartao-ricardo-eletro\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Weiter lesen            <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\/de\/como-solicitar-cartao-ricardo-eletro\/\"  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\/401c9f8a-e304-4284-b9a5-678298e6c048\/\">          \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                So beantragen Sie die Ricardo Eletro-Karte              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-cartao-ricardo-eletro\/\"  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                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/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><strong>&nbsp;<\/strong><\/td><td><strong>Havanna-Karte<\/strong><\/td><td><strong>Ricardo Eletro-Karte<\/strong><\/td><\/tr><tr><td><strong>Mindesteinkommen<\/strong><\/td><td>Mindestlohn<\/td><td>nicht ben\u00f6tigt<\/td><\/tr><tr><td><strong>Rente<\/strong><\/td><td>Befreit<\/td><td>12x von R$ 12,99 (R$ 155,88)<\/td><\/tr><tr><td><strong>Flagge<\/strong><\/td><td>hat nicht<\/td><td>Visa<\/td><\/tr><tr><td><strong>Dach<\/strong><\/td><td>National<\/td><td>National<\/td><\/tr><tr><td><strong>Vorteile<\/strong><\/td><td>Eink\u00e4ufe werden nach 40 Tagen bezahlt, zinslose Raten;<br>Anfrage pro Bewerbung;<br>Erhebt keine Mitglieds- oder Jahresbeitr\u00e4ge;<br>Kein Mindesteinkommen erforderlich.<\/td><td>Mehrere Zusatzkarten;<br>Kann in verschiedenen Einrichtungen verwendet werden;<br>Zugang zum Vai de Visa-Programm.<\/td><\/tr><\/tbody><\/table><figcaption>Aber was ist schlie\u00dflich die beste Karte?<\/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-havan-\"><strong>Havanna-Karte<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Beachten Sie zun\u00e4chst, dass die Havan-Karte f\u00fcr diejenigen viel vorteilhafter ist, die h\u00e4ufig in den Gesch\u00e4ften der Marke einkaufen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es kann jedoch problemlos als Verb\u00fcndeter in der Finanzorganisation eingesetzt werden, insbesondere wenn im Gesch\u00e4ft monatliche Ausgaben anfallen. Legen Sie Ihre gew\u00fcnschten Eink\u00e4ufe auf diese Karte, zahlen Sie in so vielen Raten, wie Sie m\u00f6chten, ohne Zinsen und erhalten Sie mehr Zeit zum Bezahlen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Damit es nicht Ihre Hauptkreditkarte ist, ist die Havan-Karte eine tolle Option, um eine Verwechslung Ihrer Konten zu vermeiden und am Monatsende f\u00fcr Ordnung zu sorgen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vor diesem Hintergrund haben Sie mit der Havan-Karte 40 Tage Zeit zum Bezahlen und k\u00f6nnen au\u00dferdem einen von 9 Terminen im Monat w\u00e4hlen, um Ihre Monatsrechnung zu bezahlen, und Sie k\u00f6nnen diesen Termin jederzeit \u00e4ndern. Auch wenn es an anderen Orten nicht eingesetzt werden kann, kann es Ihr Verb\u00fcndeter sein.<\/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-ricardo-eletro-\"><strong>Ricardo Eletro-Karte<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zun\u00e4chst einmal ist die Ricardo Eletro-Karte ideal f\u00fcr Kunden, die Stammkunden im Laden sind und zudem eine einfache Kreditkartenvariante suchen, die auch bei R\u00fcckschl\u00e4gen von Nutzen ist.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn wir das so sagen, bedeutet das, dass es auch mit einem negativen Namen immer noch Ihr Partner mit den gleichen Vorteilen ist und die Marke Visa, alle Programme der Marke und sogar zus\u00e4tzliche Karten f\u00fcr die ganze Familie anbietet.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Daher ist es eine gute M\u00f6glichkeit, die Ricardo Eletro-Karte zus\u00e4tzlich zu Eink\u00e4ufen im Gesch\u00e4ft einem einzigen Zweck zuzuordnen, beispielsweise um dieses Limit aufzuheben, um kleine Rechnungen zu bezahlen oder Streaming-Dienste wie Netflix zu verg\u00fcnstigen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus ist f\u00fcr die Ausstellung dieser Karte weder ein Highscore noch ein ganz normaler Name erforderlich. Wenn Sie eine gute Vergangenheit im Gesch\u00e4ft haben, ist ein schlechter Ruf kein Problem, sodass Ihnen mit der Ricardo Eletro-Karte ein angemessenes Limit geboten wird. Der Nachteil besteht darin, dass die Abdeckung nur landesweit erfolgt.<\/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-havan-\"><strong>Welche Vorteile bietet die Havan-Karte?<\/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=\"Mas, afinal, quais as vantagens do cart\u00e3o? Fonte: Pexels.\"  id=\"27147\" src=\"https:\/\/ucarecdn.com\/09c484d6-f61c-445a-b22d-7dfa035e3baf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Doch welche Vorteile bietet die Karte \u00fcberhaupt? Quelle: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zu den Hauptvorteilen der Havan-Karte geh\u00f6rt eine l\u00e4ngere Zahlungsfrist und die M\u00f6glichkeit langer Ratenzahlungen. Dar\u00fcber hinaus bietet sie weitere Vorteile, die die Wahl zwischen der Havan-Karte oder der Ricardo Eletro-Karte erleichtern<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bevor Sie eine Entscheidung treffen, ber\u00fccksichtigen Sie die folgenden Punkte der Havanna-Karte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Es ist nicht erforderlich, ein Bankkonto zu er\u00f6ffnen.<\/li><li>Es gibt keinen Jahresbeitrag oder Mitgliedsbeitrag;<\/li><li>Erm\u00f6glicht Anfragen von Personen ab 16 Jahren, wenn ein Erziehungsberechtigter bereits eine Karte besitzt;<\/li><li>9 vom Kunden w\u00e4hlbare F\u00e4lligkeitstermine;<\/li><li>Rabatte auf alle Produkte im Gesch\u00e4ft;<\/li><li>Zahlung in bis zu 10 zinslosen Raten;<\/li><li>40 Tage Zeit, um die erste Rate beim Kauf zu bezahlen.<\/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-ricardo-eletro-\"><strong>Welche Vorteile bietet die Ricardo Eletro-Karte?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Haben Sie noch Fragen zur Havan-Karte oder zur Ricardo Eletro-Karte? Sehen Sie sich unten die Vorteile dieser Option im Detail an.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Diejenigen, die den Mindestlohn beziehen, erhalten eine gute Grenze;<\/li><li>Kann in verschiedenen Gesch\u00e4ften und Einrichtungen verwendet werden;<\/li><li>Exklusive Werbeaktionen im Gesch\u00e4ft;<\/li><li>Bestellen Sie bis zu 4 zus\u00e4tzliche Karten;<\/li><li>Zugang zum Vai de Vista-Programm und anderen Programmen der Marke;<\/li><li>Einfache Ratenzahlung im Gesch\u00e4ft;<\/li><li>Beschr\u00e4nken Sie die Erneuerung auch mit Einschr\u00e4nkungen.<\/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-havan-\"><strong>Welche Nachteile hat die Havan-Karte?<\/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=\"Mas, afinal, quais as desvantagens do cart\u00e3o? Fonte: Pexels.\"  id=\"27148\" src=\"https:\/\/ucarecdn.com\/1fbd235e-0bcc-470b-8821-c47369972aa1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Doch welche Nachteile hat die Karte \u00fcberhaupt? Quelle: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Andererseits gibt es auch einige Features, die an der Havan-Karte nicht attraktiv sind.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Eink\u00e4ufe nur in Gesch\u00e4ften in Havanna im Land;<\/li><li>Zum Beispiel keine Visa- oder Mastercard-Marke;<\/li><li>Duldet keine negativen Kunden.<\/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=\"6-quais-as-desvantagens-do-cart%C3%A3o-ricardo-eletro-\"><strong>Welche Nachteile hat die Ricardo Eletro-Karte?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Die Ricardo Eletro-Karte verf\u00fcgt nicht \u00fcber eine internationale Abdeckung, was ihre Kunden einschr\u00e4nkt. Dar\u00fcber hinaus haben wir unten weitere Nachteile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Jahresgeb\u00fchr in H\u00f6he von 155,88 R$ (12x von 12,99 R$);<\/li><li>Landesweite Abdeckung;<\/li><li>Die Genehmigung dauert eine Weile.<\/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=\"7-cart%C3%A3o-havan-ou-cart%C3%A3o-ricardo-eletro-qual-escolher-\"><strong>Havan Card oder Ricardo Eletro Card: welche soll ich w\u00e4hlen?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Da Sie nun \u00fcber beide Informationen verf\u00fcgen, k\u00f6nnen Sie unterscheiden, welche f\u00fcr Ihren Fall besser geeignet ist: die Havan-Karte oder die Ricardo Eletro-Karte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aber denken Sie daran, denjenigen Priorit\u00e4t einzur\u00e4umen, der Ihre Finanzen organisiert und Ihren Bed\u00fcrfnissen entspricht, und der nat\u00fcrlich in Ihr Budget passt! Wenn Sie also immer noch Zweifel haben, klicken Sie einfach auf den untenstehenden Link und schauen Sie sich einen anderen Vergleich an, der ideal sein k\u00f6nnte!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1uDAbR\">\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\/de\/cartao-gamescard-ou-cartao-next\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Gamescard oder Next Card?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8b7641ec-691a-46ef-9346-d92e0622945a\/\" 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\/de\/cartao-gamescard-ou-cartao-next\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Gamescard oder Next Card?\">\n            Gamescard oder Next Card?        <\/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            Welches ist das beste? Schauen Sie sich neben den Kreditkarten gro\u00dfer Gesch\u00e4fte auch andere Arten von Kreditkarten an. Vergessen Sie die Jahresgeb\u00fchr und freuen Sie sich \u00fcber die Rabatte.        <\/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\/de\/cartao-gamescard-ou-cartao-next\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Weiter lesen            <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\/de\/cartao-gamescard-ou-cartao-next\/\"  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                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Zweifeln Sie zwischen der Havan-Karte oder der Ricardo Eletro-Karte? Wir haben diesen Vergleich erstellt, damit Sie die beste Option ausw\u00e4hlen und einen Partner in der Finanzorganisation haben k\u00f6nnen. Lesen Sie also diesen Beitrag und schauen Sie sich das an!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,1329],"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 Havan ou Cart\u00e3o Ricardo Eletro: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Afinal, cart\u00e3o Havan ou cart\u00e3o Ricardo Eletro? Os dois cart\u00f5es tem \u00f3timas vantagens, mas qual \u00e9 o melhor para voc\u00ea? 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