{"id":42547,"date":"2021-11-22T23:00:00","date_gmt":"2021-11-22T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=42547"},"modified":"2021-11-23T20:08:23","modified_gmt":"2021-11-23T20:08:23","slug":"sicoob-classico-ou-santander-sx","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/sicoob-classico-ou-santander-sx\/","title":{"rendered":"\u039a\u03ac\u03c1\u03c4\u03b1 Sicoob Classic \u03ae Santander SX 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>Sicoob Cl\u00e1ssico x Santander SX: 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=\"Decida entre cart\u00f5es com in\u00fameras bandeiras de cr\u00e9dito internacionais. Fonte: Unsplash.\"  id=\"44039\" src=\"https:\/\/cdn.adtechpanda.com\/694388d6-eaa4-46ff-9ded-4ad955882ac4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Decida entre cart\u00f5es com in\u00fameras bandeiras de cr\u00e9dito internacionais. Fonte: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Chegou a hora de ter todas as informa\u00e7\u00f5es para decidir entre cart\u00e3o Sicoob Cl\u00e1ssico ou cart\u00e3o Santander SX! Em suma, ambos s\u00e3o ideais para pessoas de rendas mais baixas que precisam de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, os cart\u00f5es t\u00eam bandeiras internacionais aceitas em milhares de estabelecimentos e dependem pouco de ag\u00eancias f\u00edsicas, visto que tem movimenta\u00e7\u00e3o pelo aplicativo. Ent\u00e3o, saiba que se houver problemas, resolva sem 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, enquanto o cart\u00e3o Sicoob \u00e9 solicitado na ag\u00eancia, o cart\u00e3o SX tem pedido feito pela internet. Ali\u00e1s, no caso dos dois cart\u00f5es, \u00e9 poss\u00edvel escolher entre as bandeiras Visa e Mastercard. Inclusive, o cart\u00e3o do Sicoob tamb\u00e9m pode ser emitido na bandeira Cabal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, confira mais detalhes de cada um, a seguir. Assim, voc\u00ea saber\u00e1 informa\u00e7\u00f5es de anuidade, exig\u00eancia de renda m\u00ednima, vantagens e desvantagens. Vamos l\u00e1!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z12H19u\">\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-santander-sx\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03b2\u03ac\u03bb\u03b5\u03c4\u03b5 \u03b1\u03af\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ba\u03ac\u03c1\u03c4\u03b1 Santander SX\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/73e0f4f7-9280-4f94-ad7e-21a628bf67a6\/\" 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-santander-sx\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03b2\u03ac\u03bb\u03b5\u03c4\u03b5 \u03b1\u03af\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ba\u03ac\u03c1\u03c4\u03b1 Santander SX\">\n            \u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03b2\u03ac\u03bb\u03b5\u03c4\u03b5 \u03b1\u03af\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ba\u03ac\u03c1\u03c4\u03b1 Santander SX        <\/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            \u0391\u03bd\u03b1\u03ba\u03b1\u03bb\u03cd\u03c8\u03c4\u03b5 \u03c0\u03ce\u03c2 \u03bd\u03b1 \u03b6\u03b7\u03c4\u03ae\u03c3\u03b5\u03c4\u03b5 \u03c4\u03b7\u03bd \u03ba\u03ac\u03c1\u03c4\u03b1 Santander SX online \u03ba\u03b1\u03b9 \u03b1\u03c0\u03bf\u03bb\u03b1\u03cd\u03c3\u03c4\u03b5 \u03c4\u03b1 \u03c0\u03c1\u03bf\u03bd\u03cc\u03bc\u03b9\u03ac \u03c4\u03b7\u03c2, \u03cc\u03c0\u03c9\u03c2 \u03b5\u03ba\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c4\u03ce\u03bd, \u03b1\u03c0\u03bf\u03ba\u03bb\u03b5\u03b9\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03bf\u03bb\u03bb\u03ac \u03ac\u03bb\u03bb\u03b1!        <\/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-santander-sx\/\"  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\"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') { 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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-santander-sx\/\"  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\/73e0f4f7-9280-4f94-ad7e-21a628bf67a6\/\">          \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                \u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03b2\u03ac\u03bb\u03b5\u03c4\u03b5 \u03b1\u03af\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ba\u03ac\u03c1\u03c4\u03b1 Santander SX              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/como-solicitar-o-cartao-santander-sx\/\"  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 Sicoob Cl\u00e1ssico<\/strong><\/td><td><strong>\u039a\u03ac\u03c1\u03c4\u03b1 Santander SX<\/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>\u0391\u03c0\u03c1\u03bf\u03b5\u03b9\u03b4\u03bf\u03c0\u03bf\u03af\u03b7\u03c4\u03bf\u03c2<\/td><td>R$ 500,00 \u03b3\u03b9\u03b1 \u03ba\u03b1\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03ce\u03bd<br>R$ 1.045,00 \u03b3\u03b9\u03b1 \u03bc\u03b7 \u03ba\u03b1\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03bf\u03cd<\/td><\/tr><tr><td><strong>\u03a0\u03c1\u03cc\u03c3\u03bf\u03b4\u03bf\u03c2<\/strong><\/td><td>\u0391\u03c0\u03c1\u03bf\u03b5\u03b9\u03b4\u03bf\u03c0\u03bf\u03af\u03b7\u03c4\u03bf\u03c2<\/td><td>12x \u03c4\u03bf\u03c5 R$ 33,25<br>Isenta se gastar R$ 100,00 na fatura por m\u00eas<br>Isenta se aderir ao sistema PIX<\/td><\/tr><tr><td><strong>\u03a3\u03b7\u03bc\u03b1\u03af\u03b1<\/strong><\/td><td>Visa, Mastercard ou Cabal<\/td><td>Visa \u03ae Mastercard<\/td><\/tr><tr><td><strong>\u03a3\u03c4\u03ad\u03b3\u03b7<\/strong><\/td><td>Internacional ou Nacional<\/td><td>\u0394\u03b9\u03b5\u03b8\u03bd\u03ad\u03c2<\/td><\/tr><tr><td><strong>\u039f\u03c6\u03ad\u03bb\u03b7<\/strong><\/td><td>Tr\u00eas bandeiras para escolher<br>40 dias para pagar compras<br>Programa Sicoob pr\u00eamios<\/td><td>\u0394\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03b1\u03c0\u03b1\u03bb\u03bb\u03b1\u03b3\u03ae\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf \u03b5\u03c4\u03ae\u03c3\u03b9\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2<br>Saque com cart\u00e3o de cr\u00e9dito com pagamento s\u00f3 na fatura<br>Pagamento de compras sem cart\u00e3o com o Santander Pass<\/td><\/tr><\/tbody><\/table><figcaption>Ent\u00e3o, qual 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>Cart\u00e3o Sicoob Cl\u00e1ssico<\/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=\"Ent\u00e3o, saiba mais sobre o cart\u00e3o Sicoob cl\u00e1ssico. Fonte: Sicoob.\"  id=\"44049\" src=\"https:\/\/cdn.adtechpanda.com\/6ef292d5-26b7-43dd-8d6c-f89c96b8654f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ent\u00e3o, saiba mais sobre o cart\u00e3o Sicoob cl\u00e1ssico. Fonte: Sicoob.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Com 5 milh\u00f5es de clientes em todo pa\u00eds, a cooperativa Sicoob tem diversas categorias de cart\u00e3o de cr\u00e9dito dispon\u00edveis. Ali\u00e1s, \u00e9 poss\u00edvel escolher pelas tarifas e tipos de cart\u00e3o, al\u00e9m da bandeira. Ou seja, h\u00e1 pelo menos seis tipos de cart\u00e3o e tr\u00eas bandeiras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, a solicita\u00e7\u00e3o \u00e9 feita ap\u00f3s abertura da conta. Depois disso, o banco indica o melhor cart\u00e3o baseado em seu perfil financeiro. Por outro lado, voc\u00ea tamb\u00e9m pode pedir qual acha o ideal para voc\u00ea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, a cooperativa entrou na onda dos bancos digitais com um aplicativo de movimenta\u00e7\u00e3o, onde o cliente desbloqueia o cart\u00e3o, acompanha os gastos e faz transa\u00e7\u00f5es comuns, por exemplo. Certamente, o aplicativo permite acompanhar a fatura e pedir informa\u00e7\u00f5es.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vale destacar que o cart\u00e3o Sicoob Cl\u00e1ssico \u00e9 internacional com bandeira Visa ou Mastercard, bem como pode ser emitida na bandeira Cabal, mas nesse caso, ele \u00e9 nacional e n\u00e3o apresenta todas as vantagens das demais bandeiras, como o Sicoob Pr\u00eamios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Saiba que esta \u00e9 a vers\u00e3o mais b\u00e1sica dos cart\u00f5es Sicoob, ou seja, apresenta a menor anuidade e exig\u00eancia de renda m\u00ednima. Portanto, voc\u00ea ter\u00e1 um limite de cr\u00e9dito baseado nesta renda, certamente. Entretanto, pode ter aumentos gradativos baseados na movimenta\u00e7\u00e3o do cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entre as caracter\u00edsticas, o cliente aproveita o programa de pr\u00eamios do Sicoob. Ou seja, troque pontos acumulados em cada compra por produtos ou passagens a\u00e9reas. Por fim, mesmo com pouca burocracia, h\u00e1 an\u00e1lise de cr\u00e9dito nesta op\u00e7\u00e3o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>\u039a\u03ac\u03c1\u03c4\u03b1 Santander SX<\/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 que o cart\u00e3o SX pode ter isen\u00e7\u00e3o de anuidade! Fonte: Santander.\"  id=\"44052\" src=\"https:\/\/cdn.adtechpanda.com\/33aaf6ee-41ca-4b46-b6cf-e237102639b1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Saiba que o cart\u00e3o SX pode ter isen\u00e7\u00e3o de anuidade! Fonte: Santander.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Santander SX se destacada pela modernidade e praticidade, por exemplo. Isso porque tem um aplicativo din\u00e2mico, o app Way, onde o cliente pode solicitar o cart\u00e3o de cr\u00e9dito e tamb\u00e9m acompanhar a movimenta\u00e7\u00e3o da conta banc\u00e1ria com poucos cliques.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, clientes do cart\u00e3o Santander SX aproveitam os benef\u00edcios do Santander Pass, onde voc\u00ea paga compras sem o cart\u00e3o. Ou seja, use tags de rel\u00f3gio, celular e at\u00e9 adesivos disponibilizados pelo banco. Tudo isso sem custo, certamente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, este cart\u00e3o possui uma anuidade alta, que chega a R$ 33,25 por m\u00eas, por exemplo. Entretanto, \u00e9 poss\u00edvel ficar livre cumprindo algumas regras, entre elas, o gasto m\u00ednimo mensal de R$ 100,00 na fatura. Ali\u00e1s, este cart\u00e3o tem diversos parceiros que oferecem descontos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, tenha uma op\u00e7\u00e3o 100% digital, de poucas tarifas e muitas vantagens para perfis financeiros de baixa renda, certamente. Ademais, voc\u00ea garante aprova\u00e7\u00e3o em poucos dias. Por fim, confira mais vantagens e desvantagens do Santander SX abaixo!<\/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>Quais as vantagens do cart\u00e3o Sicoob Cl\u00e1ssico?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em primeiro lugar, o acesso a este cart\u00e3o \u00e9 facilitado. Al\u00e9m disso, tenha 40 dias para pagar faturas do cart\u00e3o de cr\u00e9dito sem custos adicionais. Por outro lado, ele \u00e9 \u00fatil para emerg\u00eancias, ou seja, voc\u00ea pode sacar o seu limite de cr\u00e9dito e parcelar em at\u00e9 12x sem pesar no bolso. Assim como pode parcelar a fatura em at\u00e9 12x.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, aproveite tamb\u00e9m que o cart\u00e3o pode ser emitido em tr\u00eas bandeiras, sendo elas Visa, Mastercard ou Cabal. Ou seja, decida qual programa de pontos \u00e9 mais vantajoso, por exemplo. Isso porque voc\u00ea pode ter acesso ao Mastercard Surpreenda ou o Vai de Visa. Lembrando que o Cabal n\u00e3o oferece programa de recompensa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, h\u00e1 tamb\u00e9m o programa de pr\u00eamios Sicoob, onde cada d\u00f3lar se torna um ponto. Depois de acumular uma certa pontua\u00e7\u00e3o, troque por produtos, cr\u00e9dito na fatura ou milhas a\u00e9reas. Por\u00e9m, esse benef\u00edcio n\u00e3o se aplica aos cart\u00f5es com bandeira Cabal.<\/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>\u03a0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b1 \u03c0\u03bb\u03b5\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03ba\u03ac\u03c1\u03c4\u03b1\u03c2 Santander SX;<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entre as principais vantagens, est\u00e1 a facilidade em excluir a anuidade nesta op\u00e7\u00e3o. Portanto, gaste mensalmente R$ 100,00, al\u00e9m de cadastrar suas chaves PIX na sua conta Santander. Ent\u00e3o, deixe de pagar mensalmente exatos R$ 33,25 na tarifa mensal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, \u00e9 vantajosa as condi\u00e7\u00f5es de parcelamento de faturas se precisar. Ou seja, h\u00e1&nbsp; possibilidade de parcelar em at\u00e9 24x com tarifas mensais pr\u00e9-definidas sem acr\u00e9scimos abusivos. Ali\u00e1s, este cart\u00e3o n\u00e3o precisa estar com voc\u00ea em todo momento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Com a autoriza\u00e7\u00e3o de uso do Santander Pass, \u00e9 s\u00f3 aproximar e pagar. Al\u00e9m disso, o banco fornece acess\u00f3rios para pagamentos por aproxima\u00e7\u00e3o, como pulseiras, tags para rel\u00f3gios, adesivos para objetos, etc. \u00c9 poss\u00edvel tamb\u00e9m aproximar o cart\u00e3o ou o celular com aplicativo aberto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, tenha benef\u00edcios com o programa Esfera, ou seja, aproveite descontos em compras nos diversos parceiros do programa.<\/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>Quais as desvantagens do cart\u00e3o Sicoob Cl\u00e1ssico?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, \u00e9 preciso abrir uma conta e seguir at\u00e9 uma ag\u00eancia Sicoob para solicitar o cart\u00e3o. Ou seja, voc\u00ea ter\u00e1 que sair de casa para tal fun\u00e7\u00e3o e somente pode utilizar o aplicativo para desbloqueio e movimenta\u00e7\u00f5es rotineiras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, pessoas com o nome limpo e score alto tem maiores chances de garantir este cart\u00e3o. Por isso, mantenha a sua vida financeira em dia para que a solicita\u00e7\u00e3o seja aprovada.<\/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>\u03a0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b1 \u03bc\u03b5\u03b9\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03ba\u03ac\u03c1\u03c4\u03b1\u03c2 Santander SX;<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, saiba que a renda m\u00ednima para clientes Santander \u00e9 de R$ 500,00. Ou seja, quando voc\u00ea decidir por abrir a conta e solicitar o cart\u00e3o de cr\u00e9dito, a renda exigida para contas novas \u00e9 de R$1.045,00<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, os negativados podem ter dificuldades para conseguir esta op\u00e7\u00e3o, certamente. Ali\u00e1s, seu hist\u00f3rico financeiro e CPF s\u00e3o instrumentos de consulta do banco antes da aprova\u00e7\u00e3o!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Cart\u00e3o Sicoob Cl\u00e1ssico ou Cart\u00e3o Santander SX: 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=\"Mas, afinal, conseguiu definir o ideal? Fonte: Unsplash.\"  id=\"42568\" src=\"https:\/\/cdn.adtechpanda.com\/e61c9970-6ce5-4f1b-bd6f-a20cc1ee4f33\/\" 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, conseguiu definir o ideal? Fonte: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, como foi a escolha entre cart\u00e3o Sicoob Cl\u00e1ssico ou cart\u00e3o Santander SX?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em suma, ambos os cart\u00f5es exigem renda m\u00ednima e an\u00e1lise de cr\u00e9dito. Entretanto, s\u00e3o ideais para quem est\u00e1 come\u00e7ando um novo emprego e possui renda de sal\u00e1rio m\u00ednimo, certamente. Al\u00e9m de ofertar um limite razo\u00e1vel, esses cart\u00f5es proporcionam acesso a compras parceladas em milhares de estabelecimentos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, a dica \u00e9 ficar de olho nas restri\u00e7\u00f5es do CPF e definir as prioridades para escolher o ideal. Se acaso ainda esteja com dificuldades, n\u00e3o se preocupe. Ali\u00e1s, temos mais um conte\u00fado recomendado abaixo interessante com novo comparativo entre cart\u00f5es! Confira!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z25uw59\">\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\/afinz-ou-inter\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Afinz ou cart\u00e3o Inter\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/11\/Cartao-Sicoob-Classico-ou-Cartao-Santander-SX-2.jpg\" 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\/afinz-ou-inter\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Afinz ou cart\u00e3o Inter\">\n            Cart\u00e3o Afinz ou cart\u00e3o Inter        <\/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            \u0397 \u03ba\u03ac\u03c1\u03c4\u03b1 Afinz \u03ae \u03b7 \u03ba\u03ac\u03c1\u03c4\u03b1 Inter \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b1\u03bb\u03ad\u03c2 \u03b5\u03bd\u03b1\u03bb\u03bb\u03b1\u03ba\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03cc\u03c3\u03bf\u03c5\u03c2 \u03b1\u03bd\u03b1\u03b6\u03b7\u03c4\u03bf\u03cd\u03bd \u03c0\u03af\u03c3\u03c4\u03c9\u03c3\u03b7 \u03bc\u03b5 \u03b1\u03c0\u03bf\u03ba\u03bb\u03b5\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03c0\u03c1\u03bf\u03bd\u03cc\u03bc\u03b9\u03b1, \u03b4\u03b9\u03b5\u03b8\u03bd\u03ae \u03b5\u03c0\u03c9\u03bd\u03c5\u03bc\u03af\u03b1 \u03ba\u03b1\u03b9 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae. \u039f\u03bb\u03bf\u03ba\u03bb\u03ae\u03c1\u03c9\u03c3\u03b7 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2!        <\/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\/afinz-ou-inter\/\"  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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