{"id":31157,"date":"2021-08-25T23:00:00","date_gmt":"2021-08-25T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=31157"},"modified":"2021-08-25T19:44:13","modified_gmt":"2021-08-25T19:44:13","slug":"cartao-pagbank-ou-cartao-havan","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/de\/cartao-pagbank-ou-cartao-havan\/","title":{"rendered":"PagBank-Karte oder Havan-Karte: Welche soll ich w\u00e4hlen?"},"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-havan-descubra-qual-escolher-\"><strong>PagBank x Havan: 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 Havan: descubra qual escolher. Fonte: Pexels.\"  id=\"31486\" src=\"https:\/\/ucarecdn.com\/22e27e41-cc6c-40cf-b06b-db00e3cc5df9\/\" 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 Havan: 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 Havan, 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-ZATgue\">\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            Cart\u00e3o isento de anuidade, isento de comprova\u00e7\u00e3o e que aceita negativados? Vem para o PagBank.        <\/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-Hu9Ud\">\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\/52525b65-f14f-4533-80be-400e0a5151da\/\" 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            Obwohl die Havan-Karte nur in Filialisten genutzt werden kann, bietet sie bereits beim Kauf viele Vorteile. Als N\u00e4chstes erfahren Sie, wie Sie Ihren Antrag auf einfache und praktische Weise stellen k\u00f6nnen.        <\/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 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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\/52525b65-f14f-4533-80be-400e0a5151da\/\">          \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=\"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>Havanna<\/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>Befreit<\/td><\/tr><tr><td><strong>Flagge<\/strong><\/td><td>MasterCard<\/td><td>keine Flagge<\/td><\/tr><tr><td><strong>Dach<\/strong><\/td><td>International<\/td><td>National<\/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>Keine Rente<br>Wird in den 134 physischen und Online-Shops von Havanna akzeptiert<br>Bezahlung des ersten Kartenkaufs innerhalb von 40 Tagen<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 produto financeiro pr\u00e9-pago que funciona como se fosse de d\u00e9bito, mas com os valores descontados no momento da compra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque quando voc\u00ea inserir este cart\u00e3o nas maquininhas voc\u00ea dever\u00e1 escolher pela modalidade de cr\u00e9dito, mas ele vai fazer o desconto imediato como se fosse um cart\u00e3o de d\u00e9bito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, para que voc\u00ea consiga utilizar este cart\u00e3o precisar\u00e1 sempre ter saldo na sua conta PagBank, recarregando com frequ\u00eancia.<\/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 PagBank \u00e9 internacional, ou seja, voc\u00ea pode utiliz\u00e1-lo para fazer compras em lojas nacionais e internacionais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, ele possui a bandeira Mastercard, te dando acesso aos estabelecimentos parceiros, assim como aos benef\u00edcios da bandeira Mastercard, como o programa Mastercard Surpreenda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, para solicitar o cart\u00e3o basta instalar o aplicativo, abrir uma conta no PagBank e fazer a solicita\u00e7\u00e3o do seu cart\u00e3o de cr\u00e9dito de um jeito simples e sem nenhuma burocracia.<\/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 possui v\u00e1rios benef\u00edcios para os usu\u00e1rios, de uma forma que torne a vida financeira deles mais simples e acess\u00edvel.<\/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-havan\">Havanna-Karte<\/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 de cr\u00e9dito Havan \u00e9 um produto financeiro que foi criado para ser utilizado nas mais de 134 lojas f\u00edsicas e digitais da rede Havan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque \u00e9 um cart\u00e3o de cr\u00e9dito, mas funciona um pouco diferente dos demais cart\u00f5es, por exemplo, pelo fato de n\u00e3o possuir bandeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para solicitar o cart\u00e3o Havan, voc\u00ea n\u00e3o precisa pagar nada por isso, nem anuidade e nem taxa de ades\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, atrav\u00e9s deste cart\u00e3o voc\u00ea pode fazer compra em qualquer uma das lojas da rede presencialmente ou online, com condi\u00e7\u00f5es exclusivas para os clientes que adquirem os produtos com o cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, se voc\u00ea \u00e9 um cliente frequente das lojas Havan, este cart\u00e3o \u00e9 uma \u00f3tima alternativa para voc\u00ea.<\/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, isso porque atrav\u00e9s dela voc\u00ea poder\u00e1 utilizar o cart\u00e3o 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, para fazer a solicita\u00e7\u00e3o do cart\u00e3o n\u00e3o \u00e9 necess\u00e1rio comprovar renda, assim como tamb\u00e9m n\u00e3o precisa pagar anuidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tamb\u00e9m possui a bandeira Mastercard, ou seja, te d\u00e1 acesso a todos os estabelecimentos parceiros da Mastercard, assim como aos benef\u00edcios da rede, como o Programa Mastercard Surpreenda.<\/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 \u00f3timo aliado na hora de fazer compras em qualquer loja.<\/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-havan\">Welche Vorteile bietet die Havan-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 do cart\u00e3o? Fonte: Pexels.\"  id=\"31498\" src=\"https:\/\/ucarecdn.com\/7f61eb54-1bf0-467c-b83e-4417f3748d9d\/\" 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>Pois bem, o cart\u00e3o Havan apesar de s\u00f3 poder ser usado nas lojas da rede, possui v\u00e1rias vantagens, sendo a primeira delas o fato de voc\u00ea ter acesso a v\u00e1rias promo\u00e7\u00f5es especiais, descontos e sorteios v\u00e1lidos exclusivamente para os clientes.<\/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 pagamento da primeira parcela do cart\u00e3o acontece em at\u00e9 40 dias, assim como voc\u00ea pode parcelar suas compras em at\u00e9 10 vezes sem juros e sem entrada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, tamb\u00e9m d\u00e1 para flexibilizar a escolha do dia do vencimento da fatura do seu cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra vantagem \u00e9 que, voc\u00ea n\u00e3o paga taxa de ades\u00e3o e nem de anuidade, ou seja, o cart\u00e3o \u00e9 totalmente gratuito, assim como a segunda via tamb\u00e9m \u00e9 gratuita.<\/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 descomplicar sua vida financeira, d\u00e1 para voc\u00ea consultar seu extrato online em qualquer dia ou hor\u00e1rio.<\/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 Havan \u00e9 um \u00f3timo aliado para fazer compra nas lojas da rede Havan.<\/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, o cart\u00e3o PagBank possui algumas desvantagens, por exemplo, nem todos os saques s\u00e3o gratuitos, isso porque depois de 5 saques \u00e9 cobrado um valor de R$7,50 por transa\u00e7\u00e3o.<\/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, por ser um cart\u00e3o pr\u00e9-pago, se voc\u00ea \u00e9 uma pessoa que gosta de parcelar compras, o cart\u00e3o PagBank n\u00e3o \u00e9 para voc\u00ea, pois n\u00e3o d\u00e1 para parcelar compras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, se voc\u00ea quiser utilizar o cart\u00e3o, vai precisar ter saldo nele, ou seja, precisar\u00e1 recarregar com frequ\u00eancia, n\u00e3o podendo contar com saldo emergencial caso seja necess\u00e1rio. <\/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 bom cart\u00e3o, mas conta com alguns pontos negativos.<\/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-havan-\"><strong>Welche Nachteile hat die Havan-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, o cart\u00e3o Havan apesar de possuir v\u00e1rias vantagens, tamb\u00e9m possui algumas desvantagens, sendo a primeira delas o fato de n\u00e3o ser aceito em qualquer loja, isso porque o cart\u00e3o Havan s\u00f3 pode ser usado nas lojas da rede Havan.<\/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 n\u00e3o possui programa de cashback, assim como, n\u00e3o possui nenhum programa de ac\u00famulo de pontos, ou seja, \u00e9 uma desvantagem j\u00e1 que ainda que voc\u00ea compre bastante na rede, n\u00e3o ir\u00e1 ganhar valores ou produtos em troca.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, a aprova\u00e7\u00e3o do cart\u00e3o Havan est\u00e1 sujeita a an\u00e1lise de cr\u00e9dito, ou seja, dependendo da sua renda ou score de cr\u00e9dito, sua solicita\u00e7\u00e3o pode ser negada. <\/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 Havan apesar ser um \u00f3timo cart\u00e3o de compras, tamb\u00e9m possui os seus pontos negativos.<\/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-havan-qual-escolher-\"><strong>PagBank-Karte oder Havan-Karte: Welche soll ich w\u00e4hlen?<\/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 Havan: descubra qual escolher. Fonte: Pexels.\"  id=\"31160\" src=\"https:\/\/ucarecdn.com\/87247204-e161-4dc4-98a4-dc8287fe52db\/\" 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 Havan: 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 Havan, s\u00e3o cart\u00f5es bem diferentes entre si, mas que oferecem propostas interessantes buscando fidelizar seus clientes. Assim, se voc\u00ea estiver em busca de seguran\u00e7a, credibilidade e um bom cart\u00e3o para fazer compras, podem ser uma boa 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-jiQit\">\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\/2d537656-8671-4e61-839f-a1a595ff0c13\/\" 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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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\/cartao-saraiva-ou-cartao-pan\/\"  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\/2d537656-8671-4e61-839f-a1a595ff0c13\/\">          \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                Saraiva-Karte oder Pan-Karte?              <\/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 gosta de fazer compras, bem como busca isen\u00e7\u00e3o de taxas e um cart\u00e3o acess\u00edvel para negativados, o cart\u00e3o PagBank ou cart\u00e3o Havan podem ser o que voc\u00ea precisa. Ent\u00e3o, leia o nosso texto comparativo e saiba mais!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[571,525,1575,1574,283,1573],"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 Havan: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"O cart\u00e3o PagBank ou cart\u00e3o Havan s\u00e3o cart\u00f5es com isen\u00e7\u00e3o de taxas, acessivel para negativados e ideais para compras. 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