{"id":62602,"date":"2022-08-30T23:01:00","date_gmt":"2022-08-30T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=62602"},"modified":"2022-08-30T21:27:20","modified_gmt":"2022-08-30T21:27:20","slug":"conheca-conta-universitaria-bradesco","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/conheca-conta-universitaria-bradesco\/","title":{"rendered":"\u0391\u03bd\u03b1\u03ba\u03b1\u03bb\u03cd\u03c8\u03c4\u03b5 \u03c4\u03bf\u03bd \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03cc \u03c4\u03bf\u03c5 \u03c0\u03b1\u03bd\u03b5\u03c0\u03b9\u03c3\u03c4\u03b7\u03bc\u03af\u03bf\u03c5 Bradesco"},"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<h3 id=\"h-conta-universitaria-bradesco-aqui-voce-encontra-otimas-opcoes-de-credito-estudantil\">Conta universit\u00e1ria Bradesco: aqui voc\u00ea encontra \u00f3timas op\u00e7\u00f5es de cr\u00e9dito estudantil<\/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=\"Conhe\u00e7a mais sobre essa op\u00e7\u00e3o de conta que oferece diversos benef\u00edcios aos estudantes! Fonte: Bradesco.\"  id=\"68403\" src=\"https:\/\/cdn.adtechpanda.com\/f14cd0b4-a70e-4a45-853a-de8bb0b86832\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conhe\u00e7a mais sobre essa op\u00e7\u00e3o de conta que oferece diversos benef\u00edcios aos estudantes! Fonte: Bradesco.<\/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 \u00e9 um estudante e busca ter uma conta corrente, a conta universit\u00e1ria Bradesco pode ser uma op\u00e7\u00e3o com benef\u00edcios bem interessantes para o seu perfil.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A partir dela, voc\u00ea consegue parcelar o seu semestre em at\u00e9 12 vezes, al\u00e9m de ter acesso aos diversos cursos online que valem como horas complementares.<\/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\"><table><tbody><tr><td><strong>\u0391\u03bd\u03bf\u03b9\u03c7\u03c4\u03cc \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc<\/strong><\/td><td>\u0391\u03c0\u03c1\u03bf\u03b5\u03b9\u03b4\u03bf\u03c0\u03bf\u03af\u03b7\u03c4\u03bf\u03c2<\/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><\/tr><tr><td><strong>\u03a4\u03b9\u03bc\u03ad\u03c2<\/strong><\/td><td>\u0391\u03c0\u03c1\u03bf\u03b5\u03b9\u03b4\u03bf\u03c0\u03bf\u03af\u03b7\u03c4\u03bf\u03c2<\/td><\/tr><tr><td><strong>\u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03ba\u03ac\u03c1\u03c4\u03b1<\/strong><\/td><td>\u039d\u03b1\u03af<\/td><\/tr><tr><td><strong>\u039f\u03c6\u03ad\u03bb\u03b7<\/strong><\/td><td>Acesso a cursos online<br>Desconto no Cinemark<br>Desconto nos cursos do CNA<\/td><\/tr><\/tbody><\/table><figcaption>\u03a7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03bf\u03cd<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-NOLm2\">\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-abrir-conta-universitaria-bradesco\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como abrir a conta universit\u00e1ria Bradesco\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/315281fa-fa28-49c3-8f24-e3f96c15f8c8\/\" 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-abrir-conta-universitaria-bradesco\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como abrir a conta universit\u00e1ria Bradesco\">\n            Como abrir a conta universit\u00e1ria Bradesco        <\/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            Confira o passo a passo para abrir a sua conta Bradesco.\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/el\/como-abrir-conta-universitaria-bradesco\/\"  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(); 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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-abrir-conta-universitaria-bradesco\/\"  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\/315281fa-fa28-49c3-8f24-e3f96c15f8c8\/\">          \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 abrir a conta universit\u00e1ria Bradesco              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/el\/como-abrir-conta-universitaria-bradesco\/\"  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>Neste artigo, voc\u00ea conhecer\u00e1 as principais caracter\u00edsticas desta conta, al\u00e9m de conferir suas vantagens e desvantagens para tomar uma boa decis\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>Caracter\u00edsticas principais do Bradesco<\/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=\"Confira as caracter\u00edsticas da conta. Fonte: Pexels.\"  id=\"68253\" src=\"https:\/\/cdn.adtechpanda.com\/c9cc09ed-7c9e-4aa5-9540-550dbe96dd2d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Confira as caracter\u00edsticas da conta. 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>A conta universit\u00e1ria Bradesco \u00e9 uma \u00f3tima op\u00e7\u00e3o para estudantes que precisam realizar algumas transa\u00e7\u00f5es financeiras no seu dia a dia. E al\u00e9m disso, a melhor parte \u00e9 que n\u00e3o precisa comprovar sua renda para realizar a abertura!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A partir desta conta do Bradesco, o estudante consegue ter um servi\u00e7o financeiro feito especialmente para as suas necessidades. Dessa forma, voc\u00ea consegue acessar diversos produtos de uma forma mais f\u00e1cil do que nas demais contas correntes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, quem opta pela conta universit\u00e1ria Bradesco consegue acessar um cr\u00e9dito universit\u00e1rio mais f\u00e1cil para pagar os seus estudos. Al\u00e9m de conseguir encontrar servi\u00e7os financeiros que garantam a sua matr\u00edcula e a compra de materiais necess\u00e1rios para os estudos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A partir da conta, o estudante tamb\u00e9m consegue se planejar para realizar um interc\u00e2mbio e, assim, estudar no exterior. Bem como o Bradesco pensa na educa\u00e7\u00e3o dos universit\u00e1rios e consegue oferecer cursos online de gra\u00e7a e um desconto para os cursos de idioma do CNA.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O estudante tamb\u00e9m pode conseguir acessar o cart\u00e3o de cr\u00e9dito Universit\u00e1rio Visa Gold, al\u00e9m de poder realizar seus investimentos pela conta.<\/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>Para quem a conta universit\u00e1ria \u00e9 indicada<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A conta universit\u00e1ria Bradesco \u00e9 uma op\u00e7\u00e3o muito interessante para quem est\u00e1 iniciando a sua carreira e fazendo a sua primeira faculdade. A partir dela, o estudante consegue acessar diversos benef\u00edcios que garantem um futuro melhor.&nbsp;&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ao disponibilizar cr\u00e9dito para realizar estudos, al\u00e9m de promover cursos online e descontos em cursos de idioma, o Bradesco garante que o estudante poder\u00e1 construir uma carreira mais s\u00f3lida e est\u00e1vel no futuro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma fica mais f\u00e1cil de voc\u00ea conseguir desenvolver as habilidades que o mercado de trabalho procura na sua \u00e1rea, j\u00e1 que voc\u00ea poder\u00e1 ter mais acesso aos estudos.<\/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>Qual o limite da conta universit\u00e1ria Bradesco?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ao ter a conta universit\u00e1ria Bradesco, o estudante consegue ter acesso a diversos servi\u00e7os financeiros, como empr\u00e9stimos, financiamentos e tamb\u00e9m o cart\u00e3o de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, na categoria de empr\u00e9stimos e financiamentos, o estudante consegue acessar uma diversidade muito grande de servi\u00e7os. Por\u00e9m, cada um deles possui o seu pr\u00f3prio limite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por exemplo, com a conta universit\u00e1ria Bradesco, o estudante consegue financiar 100% do valor do seu semestre em at\u00e9 12 vezes. Tamb\u00e9m \u00e9 poss\u00edvel acessar um financiamento de material did\u00e1tico de at\u00e9 70% do valor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, o limite dos demais servi\u00e7os financeiros ser\u00e1 definido a partir de uma an\u00e1lise de cr\u00e9dito feita no perfil do estudante. Dessa forma, n\u00e3o \u00e9 poss\u00edvel dizer com exatid\u00e3o o valor do limite de todos os servi\u00e7os que a conta universit\u00e1ria Bradesco oferece.<\/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>Conta universit\u00e1ria Bradesco vale a pena?<\/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=\"Ser\u00e1 que a conta vale a pena? Fonte: Bradesco.\"  id=\"68379\" src=\"https:\/\/cdn.adtechpanda.com\/315281fa-fa28-49c3-8f24-e3f96c15f8c8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ser\u00e1 que a conta vale a pena? Fonte: Bradesco.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para saber se uma conta corrente realmente vale a pena para voc\u00ea \u00e9 importante analisar os seus pontos positivos e negativos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Somente assim ser\u00e1 poss\u00edvel fazer uma escolha mais clara e objetiva. Sendo assim, confira abaixo as principais vantagens e desvantagens da conta universit\u00e1ria Bradesco.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>\u039f\u03c6\u03ad\u03bb\u03b7<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entre as vantagens da conta universit\u00e1ria Bradesco, podemos citar o fato dela possuir diversos servi\u00e7os focados nos estudos dos universit\u00e1rios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, a partir dela, \u00e9 poss\u00edvel acessar descontos em cursos online, em cursos de idiomas e tamb\u00e9m no Cinemark para aproveitar as pausas entre os estudos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, a grande variedade de empr\u00e9stimos e financiamentos oferecidos aos estudantes para poder pagar os seus estudos ou acessar novas experi\u00eancias, como o interc\u00e2mbio, \u00e9 algo muito importante para os universit\u00e1rios hoje.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, a conta tamb\u00e9m ajuda o estudante a aprender a cuidar das suas finan\u00e7as pessoais. Para isso, eles disponibilizam diversos conte\u00fados sobre educa\u00e7\u00e3o financeira que promovem uma orienta\u00e7\u00e3o inicial sobre como o estudante pode estar cuidando das suas finan\u00e7as.<\/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>\u039c\u03b5\u03b9\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma das principais desvantagens da conta universit\u00e1ria Bradesco \u00e9 o fato dela n\u00e3o ser uma conta totalmente digital.&nbsp;&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, ele acaba se tornando uma op\u00e7\u00e3o n\u00e3o muito atrativa para os jovens, que s\u00e3o sempre impactados pelos bancos digitais e suas possibilidades mais simples e gratuitas.<\/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>Como fazer uma conta universit\u00e1ria Bradesco?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A conta universit\u00e1ria Bradesco consegue oferecer diversos benef\u00edcios para os estudantes.\u00a0 Sendo assim, se voc\u00ea gostou do que viu at\u00e9 aqui, j\u00e1 pode seguir criando a conta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para ajudar voc\u00ea nisso, separamos no post abaixo um passo a passo completo com todas as orienta\u00e7\u00f5es que precisa para criar a conta universit\u00e1ria Bradesco. 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Conhe\u00e7a tudo sobre ela neste post e saiba se ela atende \u00e0s suas necessidades.<\/p>","protected":false},"author":31,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1412],"tags":[570,4022,4471],"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>Conhe\u00e7a a conta universit\u00e1ria Bradesco - Senhor Panda<\/title>\n<meta name=\"description\" content=\"A conta universit\u00e1ria Bradesco consegue oferecer \u00f3timas op\u00e7\u00f5es de cr\u00e9dito estudantil! 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