Are you looking for an article that ends with your doubts between the Havan card or the Magalu card? Then you have arrived at the ideal text! Today we will talk about the characteristics of each one, which are not only cards from large stores, but also great sources of discounts and fair installments.

First, it is important to understand that they are large department stores and that the cards are focused on their products, but in the case of the Magalu card, it offers a credit card and much more. Still, that doesn't mean the Havan card can't fit perfectly into the family budget.

If that's what you're looking for, then continue reading and see the comparison between the Havan card and the Magalu card. Let's go!

The Havan card belongs to Havan stores, which have 155 units spread across 17 states.

Undoubtedly, it is one of the largest chain stores in the country and has a variety of products that starts with bed, table and bath products and ends with the food sector and even school materials. Thinking about growth, he created the store's own card.

The card can be made in the store application, over the phone, or in person. Even if it seems complicated, it is easy to approve and release a good limit even if the income is low.

In addition, it offers long, interest-free installments, with payment of the first installment after 40 days. You will also get discounts on products just for being a Havan customer.

Magazine Luiza is one of the largest stores in the country, being built from scratch by the great businesswoman Luiza Trajano. Although the company is very large across the country, the creation of the credit card focuses on digital, with a zero annual fee card.

In addition, the Magalu card offers 2% of cashback on each purchase made at the store and at partner companies.

Just as it is a valid credit card for any purchase, it offers payment in up to 24 installments on any product sold by Magazine Luiza.

That said, it's time to check which credit card is more suitable for you: the Havan card or the Magalu card?

As much as a store card, the Havan card can be a partner of your financial organization if you spend frequently in stores. See just other advantages below.

Just to exemplify: imagine that you are a former Magazine Luiza customer, and now you need a credit card. Asking for the Magalu card will bring numerous benefits and advantages, such as those described below.

On the other hand, the Havan card has its problems. The main one is not having a flag like Visa or Mastercard, locking the customer only in the stores of the network to make purchases, that is, they are valid advantages for only one location.

Another situation is not belonging to any bank, being restricted, in short, to only purchases related to products in the store.

In addition, the Havan card does not tolerate negative payments, that is, if there is a review of the registration, there may be cancellations if any installment is overdue.

Finally, it is also not possible to access the Havan card if you live more than 200 kilometers from one of the stores, so no online purchases if this is your case.

Although the Magalu card offers the same advantages as other credit cards, you must open a Magalu Pay account to take advantage of it, that is, you must have a bank account to access the Magalu card.

In addition, cashback is only released for purchases within the store network, not at partners or other establishments. As it is linked to a bank, Itaú, it has related fees even though it does not charge an annuity or membership fee, for example.

Finally, only people with a good financial history and without restrictions can take advantage of the Magalu card.

Once you've assessed your needs, is it possible to choose between the Havan card or the Magalu card?

Anyway, you have two complete options, one linked to the financial system and the other more focused on lower incomes, which allows everyone to buy good and more expensive products at the Havan store, for example.

On the other hand, the Magalu card can be used in partner stores with a discount and also in international purchases, which expands the possibilities of the customer, who waits little for approval.

Finally, only by putting it on paper and analyzing the financial situation will you come to the conclusion you need. If even with the article it's still difficult, don't worry! Below is more of our content describing similar credit card options.