Today, we are going to make a comparison between the Havan card and the Crefisa card. Follow!

Once you've shopped at Havan stores, you'll realize that there is a wide variety of products, some are more expensive, others are more affordable, that is, the brand is ideal for all audiences. Therefore, the purpose of the Havan credit card is precisely this: to enable the same public to also access more expensive products.

Therefore, the Havan card offers long installments without interest, many dates to start payments and does not charge the customer any monthly fee, making him pay only what he consumed.

Since it is a store card, it does not allow the customer to use it elsewhere, unlike the Crefisa card. As soon as the credit company appeared, it emerged as one of the best known and safest in the country, offering credit and now, associating these two products in a card.

Crefisa multiple and prepaid cards can be used in the debit function, and the credit limit is the one deposited by the customer or earned through a personal or payroll loan. Finally, it is a card with no annual fee and that can even make you a Crefisa agent.

In addition, you will understand more details in this comparison between the Havan card and the Crefisa card, which are shown to be options for those looking for credit for purchases, but also for investing in dreams. Let's go!

The moment you ask for the Havan card, approval is quick and you can enjoy it in physical stores even without it in hand. Therefore, take your personal documents, including proof of income and have a limit that can pay you purchases in up to 10 interest-free installments.

In addition, the Havan card is one of the only ones that allows payments in up to 40 days without any problems with the SPC, including the first installments. As much as it may not seem interesting, it is ideal to use it, for example, as a financial organization item, since the customer can choose from nine due dates.

In addition, you will not pay a membership fee, annuity or any amount beyond the agreed installment at the beginning, unless there is an invoice delay. Therefore, define it as the shopping card for home and family, without using the credit limit of cards that have a flag, for example.

As much as many people distrust the brand, Crefisa only benefits those who need it with credit, so the multiple and prepaid cards arrive to make life easier, mainly, for those who already have a history with the company and need to make financial transactions. without the need for transfers and payment of slips.

However, the company does not make it clear whether purchases can be made using the credit function, that is, it is certain that debit purchases can be made with the balance available in the current account. But the money that is there needs to be deposited or obtained through a personal loan, which requires a credit analysis.

Therefore, if you are a Crefisa customer and need a loan and a card that can be used for some accounts, such as streaming services, payments for food apps or rides, this is the ideal card. Anyway, it has a Mastercard brand, allows purchases in cash and does not charge annuity.

Finally, when deciding between the Havan card or the Crefisa card, keep in mind that in the second option you will have a payment card directly associated with your income or a loan, it is not a pre-approved limit, okay?

Even though it is a basic option and allows you to spend a limit only at Havan stores, the card has numerous advantages for those who are already customers, like the products and always need to buy more, after all, there are purchases that are not luxuries, but necessities. 

Therefore, we separate other details of the Havan card for you to check, below.

Undoubtedly, the Crefisa card emerged to facilitate banking transactions for current and future customers, because before, the money could even take longer to fall when it was sent to accounts at other banks.

In any case, the option of the card removed fees charged at other banks and even allowed direct purchases through the current account. In addition, we detail more benefits of this option.

As much as there are benefits, the Havan card also comes with many limitations for the customer, the main one being the impediment of requesting a store credit card if the distance you live is more than 200 kilometers from a Havan store, in addition to In addition, there are also other negative points, such as those described below.

In the same way that it makes life easier for those who are already Crefisa customers, the card offers few attractions for outsiders, that is, not confirming purchases in the credit mode is a problem, in addition, there are other situations that we can mention as disadvantages below.

In short, one option is aimed at those looking for an option focused on shopping at Havan stores and the other is ideal for consumers who are looking for a loan without transfer fees to other banks, for example.

Finally, don't worry if you still haven't seen the advantage of choosing between the Havan card and the Crefisa card, as our team always prepares other comparison options. Click on the recommended content below and see more ideas to decide which card is best for you.