{"id":30162,"date":"2021-08-24T12:01:00","date_gmt":"2021-08-24T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=30162"},"modified":"2021-08-23T20:58:09","modified_gmt":"2021-08-23T20:58:09","slug":"cartao-pagbank-ou-cartao-acesso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/de\/cartao-pagbank-ou-cartao-acesso\/","title":{"rendered":"PagBank-Karte oder Zugangskarte: 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-pagbank-x-acesso-descubra-qual-escolher-\"><strong>PagBank x Acesso: descubra 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=\"PagBank x Acesso: descubra qual escolher. Fonte: Pexels.\"  id=\"31091\" src=\"https:\/\/ucarecdn.com\/ad2bdce5-71a3-4fdb-8719-fb522f7cd4d7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >PagBank x Acesso: descubra qual escolher. 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 a procura de um cart\u00e3o com cobertura internacional, aus\u00eancia de comprova\u00e7\u00e3o de renda, programa de vantagens para os clientes e v\u00e1rios outros benef\u00edcios, o cart\u00e3o Pagbank ou cart\u00e3o Acesso, podem ser a alternativa que voc\u00ea est\u00e1 buscando.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, hoje, vamos te mostrar tudo sobre estes dois cart\u00f5es para que voc\u00ea possa escolher a op\u00e7\u00e3o que atende melhor as suas necessidades. Acompanhe!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2mhniE\">\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-pagbank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Pagbank-Karte\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/818ff183-d5f1-4e2b-bfc8-e60a4b2055ab\/\" 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-pagbank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Pagbank-Karte\">\n            So beantragen Sie eine Pagbank-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            Wenn Ihnen die Funktionalit\u00e4ten und Vorteile der Pagbank Prepaid-Karte gefallen haben, erfahren Sie jetzt, wie Sie die Beantragung unb\u00fcrokratisch durchf\u00fchren k\u00f6nnen.\n        <\/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-pagbank\/\"  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-pagbank\/\"  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\/818ff183-d5f1-4e2b-bfc8-e60a4b2055ab\/\">          \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 eine Pagbank-Karte              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-pagbank\/\"  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=\"wp-block-lazyblock-cta lazyblock-cta-Z169EtN\">\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-de-credito-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Kreditkarte\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\" 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-de-credito-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie eine Kreditkarte\">\n            So beantragen Sie eine Kreditkarte        <\/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            Die Beantragung Ihrer Access-Kreditkarte ist sehr einfach und unkompliziert. Sehen, wie es funktioniert!\n\n        <\/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-de-credito-acesso\/\"  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-de-credito-acesso\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                So beantragen Sie eine Kreditkarte              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    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><\/td><td><strong>Pagbank<\/strong><\/td><td><strong>Zugang<\/strong><\/td><\/tr><tr><td><strong>Mindesteinkommen<\/strong><\/td><td>nicht ben\u00f6tigt<\/td><td>nicht ben\u00f6tigt<\/td><\/tr><tr><td><strong>Rente<\/strong><\/td><td>Befreit<\/td><td>12x von R$ 5,95<\/td><\/tr><tr><td><strong>Flagge<\/strong><\/td><td>MasterCard<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Dach<\/strong><\/td><td>International<\/td><td>International<\/td><\/tr><tr><td><strong>Vorteile<\/strong><\/td><td>Ausgaben nur ab dem auf der Karte verf\u00fcgbaren Guthaben<br>Aufladen der Karte \u00fcber Kontostand, Bankeinzug, Einzahlung oder Online-Lastschrift<br>Digital- und Streaming-Dienste<br>Exklusive Rabatte und Verg\u00fcnstigungen<\/td><td>Befreiung von der Rente, wenn kein Restbetrag vorhanden ist<br>Mastercard-\u00dcberraschung<br><\/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-pagbank\">PagBank-Karte<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o cart\u00e3o PagBank \u00e9 um cart\u00e3o que funciona na modalidade de pr\u00e9-pago, mas como se fosse um 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>Isso porque, ao inseri-lo nas maquininhas do cart\u00e3o voc\u00ea vai escolher pela modalidade de cr\u00e9dito, mas ele vai fazer o desconto imediato como se fosse d\u00e9bito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, para que voc\u00ea possa utilizar o cart\u00e3o \u00e9 necess\u00e1rio ter saldo dispon\u00edvel, ou seja, para usar com frequ\u00eancia, precisa recarreg\u00e1-lo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, ele \u00e9 um cart\u00e3o internacional totalmente gratuito com bandeira Mastercard, por isso conta com v\u00e1rias vantagens para os clientes, como acesso ao programa Mastercard Surpreenda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, para solicitar o cart\u00e3o basta instalar o aplicativo, abrir uma conta no PagBank e fazer a solicita\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, o cart\u00e3o Pagbank \u00e9 um produto financeiro que tem v\u00e1rias vantagens para os clientes, inclusive, a possibilidade de ter controle das finan\u00e7as atrav\u00e9s do aplicativo.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-acesso\">Zugangskarte<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o cart\u00e3o Acesso \u00e9 um produto financeiro pr\u00e9-pago que precisa ser recarregado para ser utilizado, ou seja, voc\u00ea usa ele na fun\u00e7\u00e3o de cr\u00e9dito, mas ele funciona como se fosse de d\u00e9bito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, para utilizar o cart\u00e3o para fazer compras voc\u00ea precisa ter saldo dispon\u00edvel, caso contr\u00e1rio n\u00e3o vai conseguir utiliz\u00e1-lo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, o cart\u00e3o possui bandeira Mastercard e \u00e9 internacional, ou seja, voc\u00ea pode fazer compras em lojas nacionais e internacionais, assim como tem acesso a todas as vantagens da bandeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, voc\u00ea conta com o aplicativo do cart\u00e3o Acesso que est\u00e1 dispon\u00edvel para Android e iOS. Por meio dele, \u00e9 poss\u00edvel ter acesso a fun\u00e7\u00e3o para carregar o celular e o bilhete de transporte, assim como voc\u00ea pode acompanhar todas as movimenta\u00e7\u00f5es do seu cart\u00e3o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-pagbank\">Welche Vorteile bietet die PagBank-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o cart\u00e3o PagBank possui v\u00e1rias vantagens para os usu\u00e1rios, como a cobertura internacional na qual voc\u00ea pode utilizar para fazer compras em lojas nacionais ou estrangeiras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, voc\u00ea n\u00e3o precisa apresentar comprova\u00e7\u00e3o de renda e nem pagar anuidade. E, ainda, pode usufruir do Programa Mastercard Surpreenda. Portanto, o cart\u00e3o Pagbank tem v\u00e1rias vantagens para os seus clientes.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-acesso\">Welche Vorteile bietet die Access-Karte?<\/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? Fonte: Pexels.\"  id=\"30165\" src=\"https:\/\/ucarecdn.com\/9411e820-da72-4d06-8dcb-020ae38cad95\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Aber was sind schlie\u00dflich die Vorteile? 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>Pois bem, o cart\u00e3o Acesso conta com v\u00e1rias vantagens, como a aus\u00eancia de comprova\u00e7\u00e3o de renda e consulta aos \u00f3rg\u00e3os de prote\u00e7\u00e3o ao cr\u00e9dito, sendo uma \u00f3tima alternativa para negativados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, apesar de cobrar uma taxa de gerenciamento de R$5,95 ao m\u00eas este valor n\u00e3o \u00e9 descontado na sua conta caso ela esteja zerada.<\/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 possui cobertura internacional, ou seja, voc\u00ea pode fazer compras em lojas nacionais ou estrangeiras, tendo acesso a uma grande variedade de estabelecimentos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, ainda, possui bandeira bandeira Mastercard que oferece acesso a todos os benef\u00edcios da bandeira, como o programa Mastercard Surpreenda. Assim como voc\u00ea pode receber e transferir dinheiro para qualquer banco.<\/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-pagbank\">Welche Nachteile hat die PagBank-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, uma das maiores desvantagens do cart\u00e3o PagBank \u00e9 a cobran\u00e7a de saques realizada pelo banco no valor de R$7,50. Assim como a impossibilidade de se parcelar as compras devido ao funcionamento como cart\u00e3o pr\u00e9-pago.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, voc\u00ea precisa ter saldo para utilizar o cart\u00e3o, ou seja, se precisar fazer uma compra r\u00e1pida ou pagar uma conta e n\u00e3o tiver saldo, o cart\u00e3o n\u00e3o ser\u00e1 \u00fatil para voc\u00ea em um momento importante. Ent\u00e3o, antes de optar por este cart\u00e3o veja as desvantagens que ele apresenta.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-acesso-\"><strong>Welche Nachteile hat die Access-Karte?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, apesar de possuir v\u00e1rias vantagens, o cart\u00e3o Acesso tamb\u00e9m conta com algumas desvantagens, por exemplo, a impossibilidade de parcelamento de compras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, para usar o cart\u00e3o Acesso, assim como o cart\u00e3o Pagbank, voc\u00ea precisa ter saldo para poder fazer compras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, voc\u00ea tamb\u00e9m precisa pagar uma taxa de gerenciamento do cart\u00e3o para utilizar os servi\u00e7os. Portanto, antes de optar pelo cart\u00e3o Acesso, veja se essas desvantagens podem ser um empecilho.<\/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-pagbank-ou-cart%C3%A3o-acesso-qual-escolher-\"><strong>Cart\u00e3o PagBank ou Cart\u00e3o Acesso: 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=\"PagBank x Acesso: descubra qual escolher. Fonte: Pexels.\"  id=\"30166\" src=\"https:\/\/ucarecdn.com\/7a4e6c93-a13c-45b0-9f04-7db30175ef44\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >PagBank x Acesso: descubra qual escolher. 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 id=\"block-1c14889e-4ab8-42d0-89e0-8ac702ddc23d\">Ent\u00e3o, o cart\u00e3o PagBank ou cart\u00e3o Acesso, como voc\u00ea pode observar, t\u00eam uma proposta \u00fanica para negativados, isso porque os dois cart\u00f5es n\u00e3o fazem consulta aos \u00f3rg\u00e3os de prote\u00e7\u00e3o ao cr\u00e9dito, como SPC ou SERASA. Ent\u00e3o, se voc\u00ea est\u00e1 negativado, procurando uma op\u00e7\u00e3o de cart\u00e3o, eles podem ser uma \u00f3tima alternativa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p id=\"block-d659403e-fc74-46ef-b1f8-691e47011e05\">Mas, se ainda tiver d\u00favidas, veja outra compara\u00e7\u00e3o de cart\u00f5es no conte\u00fado recomendado, a seguir.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Zu84S6\">\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-saraiva-ou-cartao-pan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Saraiva-Karte oder Pan-Karte?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8a3c0dfc-e903-4d2d-83ac-21afe11d3617\/\" 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-saraiva-ou-cartao-pan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Saraiva-Karte oder Pan-Karte?\">\n            Saraiva-Karte oder Pan-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            Ob die Saraiva-Karte oder die Pan-Karte, beide verf\u00fcgen \u00fcber eine Rentenbefreiung und eine internationale Flagge. Weitere Informationen dazu finden Sie hier!\n        <\/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-saraiva-ou-cartao-pan\/\"  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-saraiva-ou-cartao-pan\/\"  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>Se voc\u00ea busca por um cart\u00e3o com aus\u00eancia de comprova\u00e7\u00e3o de renda e que tamb\u00e9m n\u00e3o faz consulta aos \u00f3rg\u00e3os de prote\u00e7\u00e3o ao cr\u00e9dito, como SPC e SERASA, ent\u00e3o, voc\u00ea est\u00e1 buscando pelo cart\u00e3o PagBank ou cart\u00e3o Acesso. Para conhecer um pouco mais sobre eles, leia este post e confira!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[385,1537,283,1536],"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 PagBank ou Cart\u00e3o Acesso: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"O cart\u00e3o pagbank ou cart\u00e3o acesso s\u00e3o cart\u00f5es ideais para negativados por n\u00e3o consultarem os \u00f3rg\u00e3os, como SPC ou SERASA. 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