{"id":61762,"date":"2022-06-16T12:00:00","date_gmt":"2022-06-16T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=61762"},"modified":"2022-06-17T00:38:16","modified_gmt":"2022-06-17T00:38:16","slug":"acordo-do-cartao","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/de\/acordo-do-cartao\/","title":{"rendered":"Ich habe einen Kartenvertrag abgeschlossen: Kann ich ihn erneut nutzen?"},"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>Pr\u00fcfen Sie, ob die Nutzung der Karte w\u00e4hrend der Vertragslaufzeit freigegeben ist!<\/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=\"Saiba o que acontece com o uso do cart\u00e3o de cr\u00e9dito durante um acordo. Fonte: Adobe Stock.\"  id=\"62067\" src=\"https:\/\/cdn.adtechpanda.com\/0c15b420-5d88-4d8a-8e66-cce978da394b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Erfahren Sie, was mit der Kreditkartennutzung w\u00e4hrend eines Vertrags passiert. Quelle: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Viele Brasilianer machen auf ihren Kreditkarten Schulden, die mit der Zeit nicht mehr beglichen werden k\u00f6nnen. Um diese Situation umzukehren, entscheiden sich viele daf\u00fcr, eine Vereinbarung mit ihrer Kreditkarte abzuschlie\u00dfen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Auf diese Weise kann die Bank oder das Finanzinstitut der Person einige Vorteile bieten, damit sie die Schulden abbezahlen kann. Zinsrabatte und eine g\u00fcnstigere Laufzeit sind einige der positiven Punkte, die Sie bei einem Abschluss erhalten k\u00f6nnen.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1IbrKa\">\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\/tirar-nome-do-vermelho\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Schritt f\u00fcr Schritt, um den Namen aus Rot herauszuholen!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/70a773da-493e-48e2-a7de-b99d594bfcca\/\" alt=\"Dois cart\u00f5es de cr\u00e9ditos segurados por uma m\u00e3o masculina com uma loja no fundo.\">\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\/tirar-nome-do-vermelho\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Schritt f\u00fcr Schritt, um den Namen aus Rot herauszuholen!\">\n            Schritt f\u00fcr Schritt, um den Namen aus Rot herauszuholen!        <\/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            Sehen Sie sich Tipps an, wie Sie Ihre Schulden abbezahlen und ein friedlicheres und ges\u00fcnderes Finanzleben f\u00fchren 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\/tirar-nome-do-vermelho\/\"  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\/tirar-nome-do-vermelho\/\"  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\/70a773da-493e-48e2-a7de-b99d594bfcca\/\">          \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                Schritt f\u00fcr Schritt, um den Namen aus Rot herauszuholen!              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/tirar-nome-do-vermelho\/\"  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>Allerdings ist es wichtig, bei dieser Art von Operation vorsichtig zu sein und Ihr Bestes zu geben, die Zahlungen innerhalb der angegebenen Fristen zu leisten. Im folgenden Artikel erfahren Sie, wie eine Kreditkartenabrechnung abl\u00e4uft und ob Sie dabei Gefahr laufen, Ihre Karte zu verlieren.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-F7uTr\">\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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Schauen Sie sich 5 Tipps f\u00fcr die Planung Ihrer Finanzen an!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/88e608ff-32c0-4e00-85db-f83a325e0f5d\/\" alt=\"Duas pessoas sentadas com uma mesa cheia de pap\u00e9is a sua frente.\">\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\/5-dicas-para-iniciar-seu-controle-financeiro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Schauen Sie sich 5 Tipps f\u00fcr die Planung Ihrer Finanzen an!\">\n            Schauen Sie sich 5 Tipps f\u00fcr die Planung Ihrer Finanzen an!        <\/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            Finden Sie heraus, wie Sie mit Ihrer Finanzkontrolle beginnen k\u00f6nnen, um alle Ihre Rechnungen p\u00fcnktlich bezahlen zu 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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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\/88e608ff-32c0-4e00-85db-f83a325e0f5d\/\">          \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                Schauen Sie sich 5 Tipps f\u00fcr die Planung Ihrer Finanzen an!              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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><!--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>Verlieren Sie Ihre Karte, wenn Sie einen Deal abschlie\u00dfen?<\/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=\"Descubra o que acontece com seu cart\u00e3o de cr\u00e9dito ao fazer um acordo. Fonte: Pexels.\"  id=\"62073\" src=\"https:\/\/cdn.adtechpanda.com\/9405c69a-ad80-45d9-9c55-eaa08a4b6a44\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Finden Sie heraus, was mit Ihrer Kreditkarte passiert, wenn Sie ein Gesch\u00e4ft abschlie\u00dfen. 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>Der einfache Abschluss einer Vereinbarung zur Begleichung Ihrer Kreditkartenschulden f\u00fchrt nicht dazu, dass Sie Ihre Karte vollst\u00e4ndig verlieren. Wenn Sie die Vereinbarung einhalten und Zahlungen innerhalb der geforderten Fristen leisten, k\u00f6nnen Sie Ihre Kreditkarte normal nutzen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn Sie jedoch die Bedingungen der Vereinbarung nicht einhalten, beispielsweise die Zahlung nicht leisten, besteht die Gefahr, dass Sie Ihre Karte verlieren. Damit einhergehend verlieren Sie auch die Vorteile, die Sie sich durch den Abschluss des Deals verschafft haben.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus kann diese Verschuldung dazu f\u00fchren, dass Ihr Name in das Standardregister aufgenommen wird und im Quadrat schmutzig wird. Und mit einem schmutzigen Namen leiden Ihre Finanzen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In diesem Szenario wird es f\u00fcr Sie schwieriger, Zugang zu Finanzprodukten zu erhalten. Dinge wie der Zugang zu Krediten, der Abschluss einer Kreditkarte oder die Ausstellung einer Karte bei einer anderen Bank k\u00f6nnen komplizierter sein.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aus diesem Grund ist es wichtig, dass Sie versuchen, die vorgegebenen Fristen und Werte einzuhalten, um keine Nachteile zu erleiden.<\/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>Wie schlie\u00dfe ich ein Kreditkartengesch\u00e4ft ab?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Um einen Deal abzuschlie\u00dfen, k\u00f6nnen Sie sich an das Callcenter des Finanzinstituts oder direkt an die Bank wenden, um sich \u00fcber die verf\u00fcgbaren M\u00f6glichkeiten zur Schuldenbegleichung zu informieren.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dabei unterbreiten sie Ihnen Vorschl\u00e4ge mit dem monatlich zu zahlenden Betrag, den anfallenden Zinsen und der Zahlungsfrist. Hier ist es wichtig, dass Sie es gut analysieren und pr\u00fcfen, ob der Vorschlag in Ihr Budget passt, damit Sie bequem bezahlen k\u00f6nnen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Eine weitere M\u00f6glichkeit, den Kreditkartenvertrag abzuschlie\u00dfen, besteht auf der Website von Serasa Limpa Nome. Auf dem Portal k\u00f6nnen Sie die aktiven Schulden Ihres CPF einsehen und die zur Verhandlung verf\u00fcgbaren Angebote pr\u00fcfen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Auf diese Weise k\u00f6nnen Sie unter anderem den urspr\u00fcnglichen Betrag der Schulden, die angewandten Zinsen, die m\u00f6glichen Rabatte und andere Informationen dar\u00fcber einsehen. So k\u00f6nnen Sie eine entspanntere Entscheidung dar\u00fcber treffen, wie Sie Ihre Schulden abbezahlen m\u00f6chten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nach Pr\u00fcfung der Informationen k\u00f6nnen Sie das f\u00fcr Sie beste Angebot ausw\u00e4hlen. Hier kann festgelegt werden, ob die Zahlung in bar oder in Raten erfolgen soll, die Anzahl der Raten und der g\u00fcnstigste F\u00e4lligkeitstermin.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sobald dies erledigt ist, k\u00f6nnen Sie das Gesch\u00e4ft \u00fcber das Portal abschlie\u00dfen und die Belege f\u00fcr die vollst\u00e4ndige Begleichung der Schulden erstellen. Wenn Sie sich f\u00fcr eine Ratenzahlung entschieden haben, m\u00fcssen Sie jeden Monat einen Einzahlungsbeleg erstellen, bis Sie die Schulden beglichen haben.&nbsp;<\/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>Was ist bei der Vertragsabwicklung zu beachten?<\/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=\"Veja os principais pontos para se observar no seu acordo. Fonte: Unsplash.\"  id=\"62077\" src=\"https:\/\/cdn.adtechpanda.com\/a6c3a5d6-3017-43a3-bf57-010ce075cddf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Sehen Sie sich die wichtigsten Punkte an, die Sie in Ihrer Vereinbarung beachten sollten. Quelle: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn Sie ein Kreditkartengesch\u00e4ft abschlie\u00dfen m\u00f6chten, ist es interessant, vor Beginn des Kontakts Ihre finanzielle Situation genau zu analysieren. So k\u00f6nnen Sie ein Budget mit dem monatlichen Betrag festlegen, den Sie zur Tilgung der Schulden aufbringen k\u00f6nnen.<\/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 es bei der Kontaktaufnahme mit der Bank oder dem Finanzinstitut wichtig zu wissen, wie man die Schulden verhandelt. Wenn Sie den monatlichen Betrag kennen, den Sie sich leisten k\u00f6nnen, ist es einfacher, dies der Bank mitzuteilen und eine Vereinbarung zu treffen, die in Ihre Tasche passt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Und wenn die Zinsen der Kreditkarte zum Zeitpunkt des Vertragsabschlusses zu hoch sind, lohnt es sich, nach Alternativen zu suchen. Es gibt andere Optionen auf dem Markt, die Schulden billiger machen und es Ihnen erm\u00f6glichen, sie abzubezahlen.<\/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 es wichtig, den Vertrag zu lesen und sicherzustellen, dass er nur das enth\u00e4lt, was zuvor besprochen und vereinbart wurde.<\/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>Was passiert, wenn ich gegen die Kartenvereinbarung versto\u00dfe?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Die Nichtbegleichung der Schulden oder eine blo\u00dfe Verz\u00f6gerung der Zahlung kann zu einem Vertragsbruch mit der Kreditkarte f\u00fchren. In diesem Szenario bleiben Ihre Schulden ausstehend und es besteht weiterhin das Risiko:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>w\u00e4hrend der Vereinbarung erhaltene Rabatte verlieren;<\/li><li>Beeintr\u00e4chtigung Ihrer Kreditw\u00fcrdigkeit;<\/li><li>in das Schuldnerregister eintragen;<\/li><li>Ihre Kreditkarte verlieren.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In der Regel liegt ein Vertragsbruch vor, wenn die Zahlung der Raten nicht mehr m\u00f6glich ist. Dabei kommt es h\u00e4ufig vor, dass die Person feststellt, dass die Schuld nicht mehr mit ihrem Namen verkn\u00fcpft ist. Dies f\u00fchrt dazu, dass sie die Zahlung nicht abschlie\u00dfen kann.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In jedem Fall kann ein Vertragsbruch zu vielen finanziellen Problemen f\u00fcr Sie f\u00fchren. Mit Ihrem schmutzigen Namen verlieren Sie die M\u00f6glichkeit, Kredite aufzunehmen, haben Kreditkarten von anderen Institutionen oder Banken oder haben ein h\u00f6heres Limit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aus diesem Grund wird immer empfohlen, die Vereinbarung einzuhalten und zu versuchen, die Schulden zu begleichen. Eine Vorgehensweise, die Ihnen dabei helfen kann, besteht darin, eine Schuld nach der anderen abzubezahlen, nicht alle auf einmal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Um Ihnen bei dieser Wahl zu helfen, lesen Sie die folgenden unverzichtbaren Tipps zur Auswahl der ersten zu verhandelnden Schuld. Kasse!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-AbmDr\">\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\/qual-divida-negociar-primeiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Wissen Sie, welche Schulden Sie zuerst abbezahlen m\u00fcssen!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/df44382f-7bc2-4bf6-b551-a4a519616d59\/\" 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\/qual-divida-negociar-primeiro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Wissen Sie, welche Schulden Sie zuerst abbezahlen m\u00fcssen!\">\n            Wissen Sie, welche Schulden Sie zuerst abbezahlen m\u00fcssen!        <\/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            Erfahren Sie, wie Sie entscheiden, welche Ihrer Schulden zuerst verhandelt werden sollen, und lesen Sie Tipps f\u00fcr den Abschluss eines guten Gesch\u00e4fts!        <\/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\/qual-divida-negociar-primeiro\/\"  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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Und was passiert, wenn die Kreditkartenvereinbarung gebrochen wird? Wenn Sie diese Zweifel haben, lesen Sie in diesem Beitrag, was bei einem Deal wirklich passieren kann!<\/p>","protected":false},"author":31,"featured_media":61768,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25,38],"tags":[3979,179,3980],"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>Fiz acordo do cart\u00e3o: posso voltar a usar? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Descubra o que pode acontecer ap\u00f3s realizar um acordo do cart\u00e3o de cr\u00e9dito e veja dicas para fazer uma boa negocia\u00e7\u00e3o agora mesmo!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/de\/acordo-do-cartao\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fiz acordo do cart\u00e3o: posso voltar a usar?\" \/>\n<meta property=\"og:description\" content=\"Descubra o que pode acontecer ap\u00f3s realizar um acordo do cart\u00e3o de cr\u00e9dito e veja dicas para fazer uma boa negocia\u00e7\u00e3o agora mesmo!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/de\/acordo-do-cartao\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-16T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-17T00:38:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/9cb1b79d-f626-4bb4-87ad-0e9110063bc4\/\" \/>\n\t<meta property=\"og:image:width\" content=\"7952\" \/>\n\t<meta property=\"og:image:height\" content=\"5304\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Leticia Jord\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"de-CH\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"de-CH\",\"@id\":\"https:\/\/senhorpanda.com\/acordo-do-cartao\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/9cb1b79d-f626-4bb4-87ad-0e9110063bc4\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/9cb1b79d-f626-4bb4-87ad-0e9110063bc4\/\",\"width\":7952,\"height\":5304,\"caption\":\"Saiba o que acontece com o uso do cart\u00e3o de cr\u00e9dito durante um acordo. 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