Before starting to talk about our Havan card or Neon card comparison, we need to make a brief introduction. Let's go!

In fact, the Havan card is not only intended to provide opportunities for in-store purchases, but also to create ways for it to be maintained through an attractive credit card. Not just a store card, this option offered by Havan is attractive because it does not charge interest in long installments, is easy to approve and also gives you 40 days to pay for the first purchase.

On the other hand, it does not give the customer the chance to spend the credit limit elsewhere, so anyone who wants a broader option and to pay bills should look for digital accounts, which have lower fees, some do not charge annuity and even allow you to apply without leaving your home, as is the case with the Neon card.

In addition, following these characteristics, we came up with a comparison between the Havan card and the Neon card, with the aim of solving once and for all doubts and bringing the details of each option. So stay with us and learn the details of these popular options.

With the purpose of keeping the customer in the store, Havan created a basic credit card, with a simple contract and quick approval. Therefore, when the customer receives the approval, he can already know the available limit and make purchases even without the physical card in hand, for example.

In addition, it is one of the best payment facilities on the market, making it very difficult to default. Just to exemplify, the Havan card usually offers up to 10 installments without interest, nine dates for invoices to be charged (dates that you can change without bureaucracy) and 40 days to start paying installments.

In addition, the Havan card can be requested on the website or during purchases at the store, therefore, having a clean name, a good financial history and a great relationship with the store, in addition to a good income, you will have a card without association with banks that offers you great discounts on purchases, which already helps in choosing between the Havan card or the Neon card. 

Like other digital cards, Neon wants to attract customers through the low rates and technologies they attract. Just to exemplify, the card is international and does not charge fees in the most important banking services, in addition, the order is made through the application or on the website and the credit analysis does not take long, it only takes seven days.

In addition, with the digital account, you can put your invoice directly into automatic debit. In order to retain the customer, the Neon card offers a program that removes fees for withdrawals by using the card for ten days in a period of 30 days, which almost no digital account offers.

Finally, when in doubt between the Havan card or the Neon card, start analyzing whether you want spending focused on just one place, or if you want to have an option for international purchases, payments for services such as Netflix and Spotify, then, start pondering .

Despite allowing the customer to use the credit limit only in the store, this does not mean that the Havan card does not appear as an excellent option for savings, installment payments and the chance of high-value purchases for those who have never owned one before. Furthermore, there are other advantages mentioned below.

As a digital account with no annual fee, Neon clashes with the main players in the market, of course, also seeking its space with points programs and possibilities of free withdrawals, for example. Just to exemplify, see what else this card offers, below.

As well as benefits, the Havan credit card appears as one of the few to have the disadvantage of not allowing the customer to buy elsewhere. Therefore, the limit can only be spent on the premises of the Havan store.

With the aim of encouraging purchases at the physical store at least once, another uninteresting situation is to allow the release of the card only to those who live at least 200 kilometers from a store, which removes the right to make online purchases from those who live in small or remote places.

Furthermore, not having a credit card and the possibility of participating in bank programs is also a negative point. These aspects are relevant when deciding between the Havan card or the Neon card.

Although it is one of the digital cards with the lowest fees on the market, the Neon card has the defect of charging small amounts for transfers and other financial transactions, which is why many see it as an obligation to carry out ten transactions in the month to get rid of the withdrawal fee.

In addition, there are fees even for issuing bank slips, and if you exceed the number of TEDS, for example, you also pay a fee. Before there is any doubt, for the time being there is no possibility of overdraft and other types of investment for Neon customers.

Finally, it takes a long time to approve the credit card of at least seven days, that is, for those who want something urgent, the Neon card may not be a good option.

Above all, we have two options for different profiles, that is, it is possible to have the Havan card or the Neon card and use them for different purposes. While the Havan card is indicated for savings in stores, offering almost unique chances of installments, the Neon card appears with low rates for using credit and the possibility of constantly increasing limits.

Also, if you still haven't been able to choose your card, check out another interesting comparison we've prepared. In order for you to make up your mind, we are always keeping an eye on trends and different options for each type of pocket, so click on the recommended content below and continue your search.