{"id":29923,"date":"2021-08-18T23:00:00","date_gmt":"2021-08-18T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29923"},"modified":"2021-08-18T18:09:06","modified_gmt":"2021-08-18T18:09:06","slug":"review-cartao-cetelem-consignado","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/review-cartao-cetelem-consignado\/","title":{"rendered":"\u0388\u03bb\u03b5\u03b3\u03c7\u03bf\u03c2 \u03ba\u03ac\u03c1\u03c4\u03b1\u03c2 Cetelem Consignado 2021"},"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-cart%C3%A3o-cetelem-consignado-sem-anuidade-ou-taxas-de-manuten%C3%A7%C3%A3o\">Cart\u00e3o Cetelem Consignado: sem anuidade ou taxas de manuten\u00e7\u00e3o<\/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=\"Review cart\u00e3o Cetelem Consignado. Fonte: Banco Cetelem.\"  id=\"29924\" src=\"https:\/\/ucarecdn.com\/51681a89-5845-4ae9-959e-2043f00cc10e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Review cart\u00e3o Cetelem Consignado. Fonte: Banco Cetelem.<\/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 buscando um cart\u00e3o de cr\u00e9dito sem anuidade e cheio de vantagens, o nosso review cart\u00e3o Cetelem Consignado pode te ajudar!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hoje, voc\u00ea vai conhecer os pr\u00f3s e os contras deste produto financeiro para decidir se ele \u00e9 uma boa op\u00e7\u00e3o para as suas necessidades atuais. Portanto, continue a leitura e n\u00e3o perca essa oportunidade! Vamos l\u00e1?<\/p>\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><strong>\u03a0\u03c1\u03cc\u03c3\u03bf\u03b4\u03bf\u03c2<\/strong><\/td><td>ZERO anuidade<\/td><\/tr><tr><td><strong>\u0395\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03bf \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1<\/strong><strong><\/strong><\/td><td>\u039a\u03b1\u03c4\u03cc\u03c0\u03b9\u03bd \u03b1\u03af\u03c4\u03b7\u03c3\u03b7\u03c2<\/td><\/tr><tr><td><strong>\u03a3\u03b7\u03bc\u03b1\u03af\u03b1<\/strong><strong><\/strong><\/td><td>\u03a3\u03cd\u03bd\u03b4\u03b5\u03c3\u03bc\u03bf\u03c2<\/td><\/tr><tr><td><strong>\u03a3\u03c4\u03ad\u03b3\u03b7<\/strong><strong><\/strong><\/td><td>\u0395\u03b8\u03bd\u03b9\u03ba\u03cc\u03c2<\/td><\/tr><tr><td><strong>\u039f\u03c6\u03ad\u03bb\u03b7<\/strong><strong><\/strong><\/td><td>Contrata\u00e7\u00e3o online, Elo Flex, Minha Sa\u00fade +<\/td><\/tr><\/tbody><\/table><figcaption>\u038c\u03bc\u03c9\u03c2, \u03c4\u03b5\u03bb\u03b9\u03ba\u03ac, \u03c0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b1 \u03ba\u03cd\u03c1\u03b9\u03b1 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03c4\u03bf\u03c5;<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1ctDjB\">\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-consignado-cetelem\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Consignado Cetelem\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6cb9131d-2a76-4b13-a072-19aaf95537b2\/\" 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-consignado-cetelem\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Consignado Cetelem\">\n            Como solicitar o cart\u00e3o Consignado Cetelem        <\/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            Anuidade zero, Elo Flex, Minha Sa\u00fade +, entre outros benef\u00edcios para voc\u00ea. Solicite agora o Cetelem e use esse passo a passo do post para pedir o seu de casa.        <\/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-consignado-cetelem\/\"  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-consignado-cetelem\/\"  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\/6cb9131d-2a76-4b13-a072-19aaf95537b2\/\">          \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 Consignado Cetelem              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/como-solicitar-o-cartao-consignado-cetelem\/\"  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><!--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-review-cart%C3%A3o-cetelem-consignado-tudo-o-que-voc%C3%AA-precisa-saber\">Review cart\u00e3o Cetelem Consignado: tudo o que voc\u00ea precisa saber<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o Banco Cetelem atua no mercado brasileiro desde 1998 e \u00e9 uma das empresas l\u00edderes no setor de cr\u00e9dito ao consumidor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, ao adquirir o seu produto financeiro, voc\u00ea tem a seguran\u00e7a de estar contratando um servi\u00e7o confi\u00e1vel e de qualidade. Ademais, ele \u00e9 um produto moderno, que est\u00e1 sempre buscando oferecer mais facilidade aos seus clientes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, \u00e9 importante mencionar que o cart\u00e3o \u00e9 destinado a aposentados e pensionistas do INSS, pois o pagamento do valor m\u00ednimo \u00e9 feito diretamente no benef\u00edcio do cliente. Assim, se voc\u00ea n\u00e3o se encaixa na categoria, n\u00e3o ser\u00e1 poss\u00edvel solicitar o produto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, confira agora as suas principais caracter\u00edsticas com o nosso review cart\u00e3o Cetelem Consignado!<\/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<h3 id=\"2-anuidade-e-cobertura\">\u03a0\u03c1\u03bf\u03c3\u03cc\u03b4\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, uma das caracter\u00edsticas positivas do cart\u00e3o \u00e9 que ele n\u00e3o tem taxa de anuidade. Assim, voc\u00ea n\u00e3o precisa se preocupar com essa cobran\u00e7a extra e, ainda, economiza um dinheiro no final do m\u00eas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o cart\u00e3o conta com ampla cobertura nacional. Dessa forma, voc\u00ea faz compras em milhares de estabelecimentos em todo o Brasil, tanto em lojas f\u00edsicas quanto online.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, voc\u00ea faz os pagamentos \u00e0 vista ou parcelados e, ainda, pode sacar dinheiro nos caixas eletr\u00f4nicos da rede Banco24Horas.<\/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<h3 id=\"3-taxas-e-tarifas\">\u03a4\u03ad\u03bb\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03bf\u03bb\u03cc\u03b3\u03b9\u03b1<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Conforme j\u00e1 mencionamos, o cart\u00e3o \u00e9 isento de anuidade e n\u00e3o h\u00e1 taxa de manuten\u00e7\u00e3o. Por\u00e9m, \u00e9 necess\u00e1rio pagar a tarifa de ades\u00e3o de R$ 15,00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, por funcionar na modalidade consignado, os juros s\u00e3o mais baixos do que os de cart\u00f5es de cr\u00e9dito tradicionais. Assim, a taxa fixa \u00e9 de 2,7% ao m\u00eas.<\/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<h3 id=\"4-bandeira-e-benef%C3%ADcios\">\u03a3\u03b7\u03bc\u03b1\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c0\u03b1\u03c1\u03bf\u03c7\u03ad\u03c2<\/h3>\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 conta com a bandeira Elo, que \u00e9 aceita em milhares de lojas em todo o territ\u00f3rio nacional.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, voc\u00ea tamb\u00e9m pode participar do programa Elo Flex. Com ele, voc\u00ea personaliza o seu cart\u00e3o com as vantagens mais interessantes para as suas necessidades.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para isso, voc\u00ea escolhe 3 benef\u00edcios disponibilizados para montar o seu combo. Assim, consegue aproveitar servi\u00e7os de viagens, conectividade, compras, educa\u00e7\u00e3o e v\u00e1rios outros!<\/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<h3 id=\"5-vantagens-do-cart%C3%A3o-cetelem-consignado\">Vantagens do cart\u00e3o Cetelem Consignado<\/h3>\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 s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"29927\" src=\"https:\/\/ucarecdn.com\/5727c717-0065-4846-8a70-955b3ae26423\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u0391\u03bb\u03bb\u03ac, \u03c4\u03b5\u03bb\u03b9\u03ba\u03ac, \u03c0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b1 \u03c0\u03bb\u03b5\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03ac \u03c4\u03bf\u03c5; \u03a0\u03b7\u03b3\u03ae: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, um dos pontos positivos do produto \u00e9 que o controle da sua fatura \u00e9 feito diretamente pelo site ou aplicativo do banco. Desse modo, fica muito mais f\u00e1cil gerenciar as finan\u00e7as sem precisar sair de casa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, voc\u00ea aproveita at\u00e9 20% de descontos especiais em lojas parceiras, como Centauro, O Botic\u00e1rio, Vivara, Casas Bahia e muito mais! Uma oportunidade incr\u00edvel para voc\u00ea n\u00e3o perder nenhuma oferta, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outro benef\u00edcio \u00e9 que voc\u00ea pode sacar dinheiro na rede Banco24Horas em todo o Brasil ou, se preferir, pode solicitar o saque pelo site ou telefone e o valor \u00e9 depositado na sua conta corrente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o pagamento m\u00ednimo da fatura \u00e9 feito por meio de desconto no seu benef\u00edcio do INSS e voc\u00ea pode pagar o valor restante por boleto. Por\u00e9m, vale destacar que o valor m\u00e1ximo do desconto \u00e9 de at\u00e9 5% do benef\u00edcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o cart\u00e3o tamb\u00e9m oferece o programa Minha Sa\u00fade +. Com ele, voc\u00ea tem acesso a servi\u00e7os de sa\u00fade por um valor muito mais acess\u00edvel. Assim, voc\u00ea recebe at\u00e9 80% de desconto em exames, consultas m\u00e9dicas e odontol\u00f3gicas. Incr\u00edvel, n\u00e3o acha?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-wtoqW\">\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\/conheca-cartao-consignado-cetelem\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Conhe\u00e7a o cart\u00e3o Consignado Cetelem\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6cb9131d-2a76-4b13-a072-19aaf95537b2\/\" 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\/conheca-cartao-consignado-cetelem\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Conhe\u00e7a o cart\u00e3o Consignado Cetelem\">\n            Conhe\u00e7a o cart\u00e3o Consignado Cetelem        <\/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            Se voc\u00ea est\u00e1 em busca de um bom cart\u00e3o consignado, conhe\u00e7a agora o cart\u00e3o Consignado Cetelem e todas as suas vantagens, como anuidade zero, Elo Flex e Minha Sa\u00fade +.        <\/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\/conheca-cartao-consignado-cetelem\/\"  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\/conheca-cartao-consignado-cetelem\/\"  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\/6cb9131d-2a76-4b13-a072-19aaf95537b2\/\">          \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                Conhe\u00e7a o cart\u00e3o Consignado Cetelem              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/conheca-cartao-consignado-cetelem\/\"  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><!--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<h3 id=\"6-desvantagens-do-cart%C3%A3o-cetelem-consignado\">Desvantagens do cart\u00e3o Cetelem Consignado<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora, vamos falar sobre os pontos negativos do produto para que voc\u00ea n\u00e3o tenha nenhuma surpresa quando for utiliz\u00e1-lo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, uma de suas desvantagens \u00e9 a sua cobertura nacional. Assim, se voc\u00ea est\u00e1 buscando um cart\u00e3o de cr\u00e9dito para fazer compras em lojas e sites internacionais, ele pode n\u00e3o ser o mais indicado. Ent\u00e3o, embora ele seja aceito em todo o Brasil, voc\u00ea n\u00e3o pode us\u00e1-lo no exterior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o cart\u00e3o \u00e9 destinado a aposentados e pensionistas do INSS, pois funciona na modalidade consignado e o desconto \u00e9 feito diretamente no benef\u00edcio do cliente. Desse modo, voc\u00ea n\u00e3o pode solicit\u00e1-lo caso n\u00e3o se encaixe nessa categoria.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, voc\u00ea passa por uma an\u00e1lise de cr\u00e9dito para conseguir a aprova\u00e7\u00e3o do cart\u00e3o. Assim, deve-se estar dentro dos requisitos estipulados pelo banco para conseguir o seu e aproveitar todas as suas vantagens.<\/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<h3 id=\"7-aplicativo-do-cart%C3%A3o\">\u0395\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03ba\u03ac\u03c1\u03c4\u03b1\u03c2<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sem d\u00favida, o aplicativo traz muito mais facilidade ao seu dia a dia. Com ele, voc\u00ea controla a sua conta e faz diversas opera\u00e7\u00f5es, como consultar a fatura, verificar o limite dispon\u00edvel para saque e compras, utilizar o d\u00e9bito autom\u00e1tico e v\u00e1rias outras fun\u00e7\u00f5es!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, ele est\u00e1 dispon\u00edvel tanto para o sistema Android quanto para iOS. Assim, para utiliz\u00e1-lo, basta acessar o Google Play ou a App Store e baixar o app gratuitamente.<\/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<h3 id=\"8-conta-digital\">\u03a8\u03b7\u03c6\u03b9\u03b1\u03ba\u03cc\u03c2 \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03cc\u03c2<\/h3>\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, como funciona a sua conta digital? Fonte: Pexels.\"  id=\"29926\" src=\"https:\/\/ucarecdn.com\/54d90e5d-192e-4d37-8064-0209b34a1f27\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, como funciona a sua conta digital? 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>Pois bem, ao acessar o site oficial do Banco Cetelem, voc\u00ea pode se cadastrar na \u00c1rea do Cliente para ter muito mais comodidade e agilidade para gerenciar a sua conta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, para realizar o cadastro, voc\u00ea deve digitar o seu CPF no campo dispon\u00edvel no topo da p\u00e1gina do site. Ent\u00e3o, forne\u00e7a os dados e as informa\u00e7\u00f5es necess\u00e1rias e confirme a sua senha. Depois disso, voc\u00ea vai receber um c\u00f3digo por SMS para verificar a opera\u00e7\u00e3o e est\u00e1 tudo pronto!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>L\u00e1 voc\u00ea ter\u00e1 muito mais seguran\u00e7a e praticidade para utilizar v\u00e1rios servi\u00e7os, como acessar o limite e a fatura do cart\u00e3o, verificar o extrato, solicitar saque e muito mais!<\/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<h3 id=\"9-processo-de-solicita%C3%A7%C3%A3o-\">\u0394\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1 \u03b1\u03b9\u03c4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2<strong><\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, se voc\u00ea ficou interessado no cart\u00e3o e quer aproveitar todos os seus benef\u00edcios, saiba que a solicita\u00e7\u00e3o \u00e9 muito simples.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em primeiro lugar, voc\u00ea deve fazer a simula\u00e7\u00e3o que est\u00e1 dispon\u00edvel no site. Ent\u00e3o, envie os documentos e informe os dados solicitados. Depois disso, ser\u00e1 necess\u00e1rio aguardar enquanto o banco faz a an\u00e1lise do seu pedido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim que receber a resposta, voc\u00ea deve assinar o contrato digital para finalizar a contrata\u00e7\u00e3o. Muito f\u00e1cil, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, depois de aprovado, voc\u00ea s\u00f3 precisa esperar que o cart\u00e3o chegue em sua resid\u00eancia em at\u00e9 7 dias \u00fateis para fazer compras no Brasil inteiro e aproveitar as suas vantagens.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, agora que voc\u00ea conferiu o nosso review cart\u00e3o Cetelem Consignado e conheceu o produto com mais detalhes, ficou mais f\u00e1cil decidir se ele \u00e9 uma boa op\u00e7\u00e3o para a sua vida financeira, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, avalie com calma todos os pr\u00f3s e os contras do produto para ter certeza de que ele se encaixa em suas necessidades. Al\u00e9m disso, fa\u00e7a um bom planejamento financeiro para n\u00e3o correr o risco de ter preju\u00edzos com o seu cart\u00e3o e pague a fatura sempre em dia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E se voc\u00ea quer conhecer o passo a passo detalhado de como solicitar o seu cart\u00e3o Cetelem Consignado, confira o nosso conte\u00fado recomendado abaixo!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1radTI\">\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-consignado-cetelem\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b6\u03b7\u03c4\u03ae\u03c3\u03b5\u03c4\u03b5 \u03c4\u03b7\u03bd Cetelem Consigned Card\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6cb9131d-2a76-4b13-a072-19aaf95537b2\/\" 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-consignado-cetelem\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b6\u03b7\u03c4\u03ae\u03c3\u03b5\u03c4\u03b5 \u03c4\u03b7\u03bd Cetelem Consigned Card\">\n            \u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b6\u03b7\u03c4\u03ae\u03c3\u03b5\u03c4\u03b5 \u03c4\u03b7\u03bd Cetelem Consigned Card        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Anuidade zero, Elo Flex, Minha Sa\u00fade +, entre outros benef\u00edcios para voc\u00ea. 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