Cards
Havan Card or BBB Card: which one to choose?
Without a doubt, a card can help you organize your personal finances. But in the end, which one to choose? Read the post and decide between Havan card or BBB card.
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Havan x BBB: find out which one to choose
But after all, Havan card or BBB card? Before starting the comparison between them, we need to clarify some points.
As far as buying, it's really good to have an ally so that purchases are cheaper and with a longer term to pay, isn't it? For this reason, Havan invested in a card that offers all of this to the customer, in addition to interest-free installments.
On the other hand, it is not possible to use this credit limit outside megastores. Just to exemplify, we have the case of people with low income who have a low score, that is, they even get the Havan card, for example, but they hardly have clearance in other cases.
In this way, prepaid cards, such as the Brazilian Business Bank financial product, appear to be a healthy option for the pocket and also a solution to problems, since anyone can have access. Therefore, it can be used in the credit function to make national and international purchases.
Thinking about these two options, we created this comparison to help you decide between the Havan card or the BBB card, which are easily accessible and very useful choices for your financial life. In light of this, continue with us in this article!
How to apply for the Havan card
Do you shop in Havana? Pay cheaper using the card's exclusive discounts, in addition, have more time to pay and do not pay fees. See how to apply here!
How to apply for the BBB card
Check out how to apply for a Brazilian Business Bank credit card and have a credit card even with a dirty name!
Havana card | BBB card | |
Minimum Income | R$800.00 | not required |
Annuity | Exempt | Exempt |
Flag | does not have | Mastercard or Visa |
Roof | National | National and international |
Benefits | in-store discounts interest-free installment No annual fee or fees | Credit release for negatives Fast application and approval active credit function |
Havana card
In the same way that large companies offer their credit cards in order to keep the customer shopping, Havan created a basic option, without a credit card, opening a bank account or any other aspect that keeps the customer in high fees.
In fact, despite all this, it is an ideal option for those who usually shop at the store, as it only offers incentives to keep the customer satisfied, such as payment of installments within 40 days, division of purchases without interest and easy access to credit even with low income.
Thinking about it, it is even easier to choose between the Havan card or the BBB card, however, it is worth remembering that it is not possible to spend this credit limit anywhere other than megastore units. Also, see BBB card details below.
BBB card
Firstly, the BBB card stands for Brazilian Business Bank, a great novelty in our country. Before you have any doubts about how to get such a high limit being negative, we'll be straight: this is a prepaid card that will have a reasonable amount of credit when you insert money.
Therefore, it is released for negative or low score people and also offers another way to use it, which is a personal loan through Simplic. So, yes, you get a credit release of up to R$30,000, however, you will have to pay the loan installments and the associated interest.
In addition, the BBB card has a Visa or Mastercard flag, can be used in the credit function for international purchases and is valid for subscriptions to Netflix, Globoplay, Spotify and other streaming services, which is always very complicated for negatives. That way, it's easier to get an idea of the differences between the Havan card and the BBB card, isn't it?
What are the advantages of the Havan card?
Just like a store credit card, the Havan card can help you with financial organization. In that case, the idea might be to separate it just for purchases of basic store items, for example. Likewise, see more perks below.
- Interest-free installments up to 10 installments;
- First payment of installments with a term of 40 days;
- Customer choice of 9 expiration dates;
- No membership or annual fee;
- Low minimum income for approval;
- High discounts on various products in stores, including online.
What are the advantages of the BBB card?
In order to reach a large part of the population that has a dirty name, the BBB card appears as an opportunity for new investments to achieve the goals of people who do not have a high score or good financial history. With that in mind, just look at more benefits below.
- Release for negatives;
- Online ordering;
- Possibility of international purchases in credit mode;
- Accepted on streaming services;
- Movement through slips and applications;
- Credit that can reach R$30 thousand subject to conditions.
What are the disadvantages of the Havan card?
First of all, the main disadvantage of the Havan card is that it does not allow purchases in other places, since for people with good income and attractive financial transactions, the limit is high. In addition, we can highlight other negative points, such as those described below.
- It only allows card requests when living near a Havan store;
- You cannot use the credit limit elsewhere;
- High interest in cases of late payment.
What are the disadvantages of the BBB card?
First of all, it is important to note that you need to be careful with the high limit of the BBB card. This is because it is associated with a personal loan. In addition, we have other negative points related to it, see below.
- High interest for Simplic personal loan;
- It requires a payment of R$49.90 to activate the credit function;
- With the financial transaction, the negative may not access the loan, for example.
Havan Card or BBB Card: which one to choose?
Now that you know the differences between the Havan card and the BBB card, it's easier to choose which one meets your everyday needs, isn't it?
Above all, if you still have doubts, don't worry. Undeniably, we have a difficult decision here that needs to be considered, so stay with us and check out another comparison to put an end to this indecision once and for all! To do so, simply click on the recommended content below.
Mercado Pago card or Neon card: which one to choose?
Either the Mercado Pago card or the Neon card, both have international coverage, Visa flag and digital account to make your life easier. Check out!
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