{"id":29041,"date":"2021-08-17T12:01:00","date_gmt":"2021-08-17T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29041"},"modified":"2021-08-16T21:42:24","modified_gmt":"2021-08-16T21:42:24","slug":"cartao-ourocard-pre-pago-ou-cartao-itau-pre-pago-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/cartao-ourocard-pre-pago-ou-cartao-itau-pre-pago-qual-o-melhor\/","title":{"rendered":"Ourocard Prepaid Card \u03ae Ita\u00fa Prepaid Card: \u03c0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7;"},"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-ourocard-pr%C3%A9-pago-x-ita%C3%BA-pr%C3%A9-pago-descubra-qual-escolher\">Ourocard Pr\u00e9-pago x Ita\u00fa Pr\u00e9-pago: descubra qual escolher<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Ourocard Pr\u00e9-pago ou cart\u00e3o Ita\u00fa Pr\u00e9-pago: qual ideal para voc\u00ea? Fonte: Pxhere.\"  id=\"29043\" src=\"https:\/\/ucarecdn.com\/7cbd1533-2bba-4aaf-b803-c030bbb414fd\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Ourocard Pr\u00e9-pago ou cart\u00e3o Ita\u00fa Pr\u00e9-pago: qual ideal para voc\u00ea? Fonte: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Afinal, cart\u00e3o Ourocard Pr\u00e9-pago ou cart\u00e3o Ita\u00fa Pr\u00e9-pago? Leia este texto comparativo e decida qual deles \u00e9 o melhor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enquanto a op\u00e7\u00e3o de pr\u00e9-pago chega atrav\u00e9s do Banco do Brasil, o Ita\u00fa, pensando em atingir o mesmo p\u00fablico, tamb\u00e9m passa a oferecer um cart\u00e3o de cr\u00e9dito recarreg\u00e1vel, acess\u00edvel por todos mediante pagamento de algumas taxas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Embora sejam poucas as possibilidade de algu\u00e9m com nome sujo conseguir um cart\u00e3o de cr\u00e9dito dos bancos tradicionais, \u00e9 poss\u00edvel comprar na modalidade cr\u00e9dito mesmo com score baixo e inadimpl\u00eancia, possibilidade que foi trazida pelos cart\u00f5es pr\u00e9-pago, que s\u00e3o adquiridos e carreg\u00e1veis.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para quem n\u00e3o conhece, cart\u00f5es pr\u00e9-pagos podem ser comprados, solicitados pelo sites das marcas, ou seja, ap\u00f3s pagar taxas pr\u00e9-determinadas voc\u00ea pode voltar a pagar Netflix, Spotify, Uber, sem estar preso a anuidades ou taxas tradicionais de cart\u00f5es de cr\u00e9dito comum.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, quem precisa de cart\u00f5es do tipo, como o cart\u00e3o Ourocard pr\u00e9-pago ou cart\u00e3o Ita\u00fa pr\u00e9-pago, deve decidir entre as duas op\u00e7\u00f5es considerando detalhes muito espec\u00edficos, como a quantidade de taxas, a burocracia para o acesso, entre outros atributos de cada um. Portanto, pesquisamos sobre os dois e agora traremos as caracter\u00edsticas, ent\u00e3o, acompanhe!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1qmq1v\">\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\/el\/como-solicitar-o-cartao-ourocard-pre-pago\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Ourocard pr\u00e9-pago\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/2a74cd01-36e1-4c84-9973-df3c0796a595\/\" 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\/el\/como-solicitar-o-cartao-ourocard-pre-pago\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Ourocard pr\u00e9-pago\">\n            Como solicitar o cart\u00e3o Ourocard pr\u00e9-pago        <\/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            \u0398\u03ad\u03bb\u03b5\u03c4\u03b5 \u03bc\u03b9\u03b1 \u03ba\u03ac\u03c1\u03c4\u03b1 \u03c7\u03c9\u03c1\u03af\u03c2 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b5\u03c2 \u03c7\u03c1\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2, \u03c7\u03c9\u03c1\u03af\u03c2 \u03ba\u03b1\u03c4\u03b1\u03c7\u03c1\u03b7\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c7\u03c1\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c0\u03bf\u03ba\u03bb\u03b5\u03b9\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b5\u03ba\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2; \u0393\u03bd\u03c9\u03c1\u03af\u03c3\u03c4\u03b5 \u03bb\u03bf\u03b9\u03c0\u03cc\u03bd \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03bd\u03b7 Ourocard.        <\/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\/el\/como-solicitar-o-cartao-ourocard-pre-pago\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <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            \u03a7\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\/el\/como-solicitar-o-cartao-ourocard-pre-pago\/\"  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\/2a74cd01-36e1-4c84-9973-df3c0796a595\/\">          \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                Como solicitar o cart\u00e3o Ourocard pr\u00e9-pago              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/como-solicitar-o-cartao-ourocard-pre-pago\/\"  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                    \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u0398\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03af\u03b4\u03b9\u03bf \u03b9\u03c3\u03c4\u03cc\u03c4\u03bf\u03c0\u03bf              <\/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 is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>Cart\u00e3o Ourocard Pr\u00e9-pago<\/strong><\/td><td><strong>Cart\u00e3o Ita\u00fa Pr\u00e9-pago<\/strong><\/td><\/tr><tr><td><strong>\u0395\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03bf \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1<\/strong><\/td><td>\u0394\u03b5\u03bd \u03b1\u03c0\u03b1\u03b9\u03c4\u03b5\u03af\u03c4\u03b1\u03b9<\/td><td>\u0394\u03b5\u03bd \u03b1\u03c0\u03b1\u03b9\u03c4\u03b5\u03af\u03c4\u03b1\u03b9<\/td><\/tr><tr><td><strong>\u03a0\u03c1\u03cc\u03c3\u03bf\u03b4\u03bf\u03c2<\/strong><\/td><td>\u0391\u03c0\u03b1\u03bb\u03bb\u03ac\u03c3\u03c3\u03c9<\/td><td>\u0391\u03c0\u03b1\u03bb\u03bb\u03ac\u03c3\u03c3\u03c9<\/td><\/tr><tr><td><strong>\u03a3\u03b7\u03bc\u03b1\u03af\u03b1<\/strong><\/td><td>Visa<\/td><td>Mastercard e Visa<\/td><\/tr><tr><td><strong>\u03a3\u03c4\u03ad\u03b3\u03b7<\/strong><\/td><td>\u0395\u03b8\u03bd\u03b9\u03ba\u03cc\u03c2<\/td><td>\u0395\u03b8\u03bd\u03b9\u03ba\u03ac \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b5\u03b8\u03bd\u03ae<\/td><\/tr><tr><td><strong>\u039f\u03c6\u03ad\u03bb\u03b7<\/strong><\/td><td>N\u00e3o cobra taxas altas <br>Ideal para quem tem nome sujo<br>Compre na modalidade cr\u00e9dito em locais f\u00edsicos<br>N\u00e3o seja taxado em saques nos primeiros meses<\/td><td>N\u00e3o pague taxas de ades\u00e3o, anuidade ou qualquer outra<br>Cart\u00f5es com chip com compras pela internet<br>Recarregue pelo aplicativo e solicite sem sair de casa<\/td><\/tr><\/tbody><\/table><figcaption>Mas, afinal, qual ser\u00e1 o melhor?<\/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-ourocard-pr%C3%A9-pago-\"><strong>Cart\u00e3o Ourocard Pr\u00e9-pago<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Afinal, quem est\u00e1 negativado e n\u00e3o sente falta de fazer compras na modalidade cr\u00e9dito, n\u00e3o \u00e9 mesmo? Ali\u00e1s, essa op\u00e7\u00e3o para correntistas do banco do Brasil foi criada para atender quem n\u00e3o consegue quitar as d\u00edvidas, mas precisa de um cart\u00e3o para pagar a mensalidade do servi\u00e7o de streaming ou de outros aplicativos, por exemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, este cart\u00e3o pode ser solicitado pelo site do banco ou pelo aplicativo, entretanto, o cliente deve pagar uma taxa de ades\u00e3o que custa R$10,00. Ademais, o mesmo cliente pode ter at\u00e9 cinco cart\u00f5es pr\u00e9-pago, recarregando ou fazendo portabilidade de sal\u00e1rio, podendo assim, fazer assinaturas e compras em estabelecimentos nacionais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda que tenha bandeira de cr\u00e9dito, este cart\u00e3o n\u00e3o \u00e9 para compras em lojas online e tamb\u00e9m n\u00e3o \u00e9 poss\u00edvel fazer compras parceladas, apenas pagamentos \u00e0 vista mediante recarga da modalidade cr\u00e9dito, al\u00e9m disso, a conta pode ser movimentada normalmente pelo aplicativo BB.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, uma funcionalidade legal \u00e9 o agendamento de carga, que serve principalmente para a organiza\u00e7\u00e3o financeira, por exemplo. Ou seja, trate como se fosse uma fatura de cart\u00e3o de cr\u00e9dito a ser paga, deposite o dinheiro e pague o que precisar na modalidade cr\u00e9dito. Agora, veja mais informa\u00e7\u00f5es para decidir entre o cart\u00e3o Ourocard pr\u00e9-pago ou cart\u00e3o Ita\u00fa pr\u00e9-pago.<\/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-ita%C3%BA-pr%C3%A9-pago-\"><strong>Cart\u00e3o Ita\u00fa Pr\u00e9-pago<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, o cart\u00e3o Ita\u00fa pr\u00e9-pago surge muito mais amplo, com a mesma exig\u00eancia do cliente ser correntista do banco, ou seja, tenha sua conta. Assim, \u00e9 poss\u00edvel solicitar o cart\u00e3o de cr\u00e9dito pela internet e come\u00e7ar a usar sem pagar taxa de ades\u00e3o, diferentemente do que acontece com a op\u00e7\u00e3o do BB.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, as bandeiras Visa e Mastercard permitem compras pela internet e tamb\u00e9m online, sem falar que \u00e9 poss\u00edvel depositar dinheiro de outras moedas na conta, ou seja, utilize euro ou d\u00f3lar para fazer compras sem qualquer impedimento ou tarifa alta por parte do Banco Ita\u00fa, o que amplia ainda mais os horizontes do cliente que precisa da modalidade cr\u00e9dito.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, existe uma taxa de 6,38% de IOF para recargas de moeda estrangeira, o que \u00e9 muito baixo mediante as vantagens para viajantes que est\u00e3o com nome sujo, por exemplo. Al\u00e9m disso, o Ita\u00fa n\u00e3o cobra taxa de entrega ou de emiss\u00e3o do cart\u00e3o, ou qualquer cobran\u00e7a mensal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, \u00e9 poss\u00edvel utilizar seu cart\u00e3o pr\u00e9-pago em compras de outros pa\u00edses, em alguns casos, ser\u00e1 debitado em d\u00f3lar. Nesse caso, considera-se a cota\u00e7\u00e3o atual. Portanto, sendo correntista Ita\u00fa \u00e9 muito barato ter este produto financeiro quando se compara o cart\u00e3o Ourocard pr\u00e9-pago e o cart\u00e3o Ita\u00fa pr\u00e9-pago.<\/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-ourocard-pr%C3%A9-pago-\"><strong>Quais as vantagens do cart\u00e3o Ourocard Pr\u00e9-pago?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mais que esta op\u00e7\u00e3o s\u00f3 permite compras nacionais, ela \u00e9 ideal para quem precisa comprar na modalidade cr\u00e9dito e enfrenta dificuldades, portanto, separamos algumas vantagens relacionadas ao cart\u00e3o Ourocard pr\u00e9-pago abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Compras para quem est\u00e1 com nome sujo;<\/li><li>N\u00e3o cobra anuidade;<\/li><li>Qualquer mudan\u00e7a de senha ou problemas com transa\u00e7\u00f5es podem ser resolvidos nas ag\u00eancias;<\/li><li>Quem tem conta banc\u00e1ria no BB e possui alguma pend\u00eancia pode solicitar;<\/li><li>Agende recargas para at\u00e9 daqui um ano, tornando ele um auxiliar na economia.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-ita%C3%BA-pr%C3%A9-pago-\"><strong>Quais as vantagens do cart\u00e3o Ita\u00fa Pr\u00e9-pago?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Afinal, quem n\u00e3o sente falta de viajar e poder comprar itens no cart\u00e3o de cr\u00e9dito, n\u00e3o \u00e9 mesmo? Enquanto outras op\u00e7\u00f5es bloqueiam as compras internacionais, est\u00e1 aqui s\u00f3 incentiva a recarga com moeda estrangeira e, ainda, oferece mais benef\u00edcios sem cobran\u00e7as abusivas. Ademais, veja outras vantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>N\u00e3o pague anuidade, taxas de ades\u00e3o ou manuten\u00e7\u00e3o;<\/li><li>Resolva tudo pelo aplicativo, inclusive recargas;<\/li><li>Insira dinheiro em moeda estrangeira e pague apenas o IOF em compras;<\/li><li>Bandeiras de cr\u00e9dito e seguran\u00e7a ao fazer o pedido pelo app;<\/li><li>Utilize a forma virtual enquanto o cart\u00e3o f\u00edsico n\u00e3o chega.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-as-desvantagens-do-cart%C3%A3o-ourocard-pr%C3%A9-pago-\"><strong>Quais as desvantagens do cart\u00e3o Ourocard Pr\u00e9-pago?<\/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=\"Somente correntistas BB podem ter acesso. Fonte: BB.\"  id=\"28172\" src=\"https:\/\/ucarecdn.com\/6a330a3b-b4e2-4c62-afa8-48c74b42e290\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Somente correntistas BB podem ter acesso. Fonte: BB.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda que os benef\u00edcios sejam muitos, o cart\u00e3o Ourocard pr\u00e9-pago acaba limitando o cliente que j\u00e1 possui empecilhos para fazer compras na modalidade cr\u00e9dito. Isso porque n\u00e3o autoriza as compras pela internet, o que \u00e9 a necessidade de muita gente que faz assinaturas da Netflix ou Spotify, por exemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, s\u00e3o muitas taxas definidas para quem j\u00e1 busca op\u00e7\u00f5es mais enxutas. Isso porque o cliente paga emiss\u00e3o do cart\u00e3o, que custa R$10,00, bem como deve arcar tamb\u00e9m com a taxa de manuten\u00e7\u00e3o mensal, que chega a R$5,00. Al\u00e9m disso, tem a tarifa de saque que custa R$5,00 a partir do terceiro m\u00eas, ou seja, os gastos para manter o cr\u00e9dito pr\u00e9-pago s\u00e3o muitos.<\/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-ita%C3%BA-pr%C3%A9-pago-\"><strong>Quais as desvantagens do cart\u00e3o Ita\u00fa Pr\u00e9-pago?<\/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=\"Cart\u00e3o Ita\u00fa n\u00e3o permite parcelamentos. Fonte: Ita\u00fa.\"  id=\"26469\" src=\"https:\/\/ucarecdn.com\/9d84cce9-bb18-4ebf-b954-c116eb8d5b61\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Ita\u00fa n\u00e3o permite parcelamentos. Fonte: Ita\u00fa.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim como vantagens para viajantes, o cart\u00e3o pr\u00e9-pago Ita\u00fa n\u00e3o \u00e9 interessante para negativados e n\u00e3o permite em hip\u00f3tese alguma o parcelamento. Ou seja, caso voc\u00ea seja correntista do Ita\u00fa h\u00e1 chance de n\u00e3o ter o pr\u00e9-pago dispon\u00edvel por conta das restri\u00e7\u00f5es, mas \u00e9 importante tentar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, a principal desvantagem \u00e9 n\u00e3o poder adquirir o cart\u00e3o pr\u00e9-pago sem abrir uma conta no Ita\u00fa e cumprir com diversos crit\u00e9rios. Ademais, existe tamb\u00e9m o pagamento do IOF para compras em outros pa\u00edses, ainda que sejam pela internet. Por fim, para recargas que ultrapassem dez mil reais, saiba que ser\u00e1 preciso fazer a Declara\u00e7\u00e3o Eletr\u00f4nica de Bens de Viajantes (e-DBV), no site da Receita Federal.<\/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-ourocard-pr%C3%A9-pago-ou-cart%C3%A3o-ita%C3%BA-pr%C3%A9-pago-qual-escolher%C2%A0-\"><strong>Cart\u00e3o Ourocard Pr\u00e9-pago ou cart\u00e3o Ita\u00fa Pr\u00e9-pago: qual escolher?\u00a0<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, trouxemos detalhes para que voc\u00ea escolha entre o cart\u00e3o Ourocard pr\u00e9-pago ou cart\u00e3o Ita\u00fa pr\u00e9-pago, que podem at\u00e9 ser \u00fateis para negativados, desde que este tenha conta corrente em um desses bancos. Portanto, um dos cart\u00f5es \u00e9 ideal para compras nacionais e mais b\u00e1sica, enquanto o outro para perfis mais viajantes que precisam da modalidade cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, sabemos o quanto a decis\u00e3o pode ser dif\u00edcil, mas n\u00e3o se preocupe. Pois nossa equipe sempre deixa preparado outro comparativo para que voc\u00ea aumente seu leque de op\u00e7\u00f5es e pe\u00e7a o cart\u00e3o verdadeiramente ideal. Portanto, clique no conte\u00fado recomendado abaixo e continue conhecendo cart\u00f5es acess\u00edveis.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-nUp9m\">\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\/el\/cartao-ourocard-universitario-ou-cartao-superdigital\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\" Ourocard Universit\u00e1rio ou Cart\u00e3o Superdigital?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8d240c3e-91c0-4838-a61d-1f413daf6b60\/\" 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\/el\/cartao-ourocard-universitario-ou-cartao-superdigital\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\" Ourocard Universit\u00e1rio ou Cart\u00e3o Superdigital?\">\n             Ourocard Universit\u00e1rio ou Cart\u00e3o Superdigital?        <\/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            Descontos especiais em lojas e compras internacionais s\u00e3o alguns benef\u00edcios. Al\u00e9m disso, n\u00e3o h\u00e1 necessidade de comprovar renda. Conhe\u00e7a mais essas op\u00e7\u00f5es!        <\/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\/el\/cartao-ourocard-universitario-ou-cartao-superdigital\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <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            \u03a7\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\/el\/cartao-ourocard-universitario-ou-cartao-superdigital\/\"  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\/8d240c3e-91c0-4838-a61d-1f413daf6b60\/\">          \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                Ourocard Universit\u00e1rio ou Cart\u00e3o Superdigital?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/cartao-ourocard-universitario-ou-cartao-superdigital\/\"  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                    \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                \u0398\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03af\u03b4\u03b9\u03bf \u03b9\u03c3\u03c4\u03cc\u03c4\u03bf\u03c0\u03bf              <\/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><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Procurando por uma op\u00e7\u00e3o na modalidade de cr\u00e9dito, que n\u00e3o exige comprova\u00e7\u00e3o de renda e, ainda, n\u00e3o cobra anuidade? Ent\u00e3o, trazemos a compara\u00e7\u00e3o entre o cart\u00e3o Ourocard pr\u00e9-pago ou cart\u00e3o Ita\u00fa pr\u00e9-pago. Elas s\u00e3o op\u00e7\u00f5es parecidas, mas indicadas para casos espec\u00edficos. Confira!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[863,1490,296,427,287,1491],"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 Ourocard Pr\u00e9-pago ou Cart\u00e3o Ita\u00fa Pr\u00e9-pago: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Procurando um cart\u00e3o que n\u00e3o exige comprova\u00e7\u00e3o de renda e anuidade? 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