Certainly, store cards are extremely useful for discounts, but which would you choose: the Havan card or the Renner card?

Undeniably, when you buy a lot in a store, you think: why don't I pay cheaper yet? For this reason, many stores have created credit cards with exclusive advantages that mainly involve buying at a reduced price.

With that in mind, the Renner card was created to keep customers shopping, but with larger interest-free installments and exclusive discounts that reach 50% whenever you go to the store, for example. Furthermore, you will have two options, which we will explain in a moment.

On the other hand, Havan stores offer a more basic card, without a credit card or bank relationship, but without forgetting promotions, discounts and easy payment, which only starts 40 days after the first purchase, for example.

Therefore, after some details, we will bring even more information in this comparison between the Havan card or Renner card, so that you know the advantages and disadvantages of each one, so, let's go! 

First, the Havan card is easy to approve, being accepted at any of the 161 Havan stores spread across Brazil, that is, it is also valid for purchases on the site, where you can follow lightning promotions and enjoy great discounts.

Second, this credit card does not charge fees other than installments that have been created. This means you won't pay membership fees, annual fees or any interest for having a high-value purchase in installments, which is very practical, isn't it?

Therefore, just access the store's website or ask for your Havan credit card at one of the units. However, there will be an analysis of documents before approval, so you can start shopping even without the arrival of the physical card.

In addition, the Havan card gives a period of 40 days to settle invoices, allows installments of up to 10 installments without fees and the customer can change the due dates whenever he wants, as long as he has up-to-date installments, even so, this card cannot be used in other locations.

After all, who has never worn clothes from the Renner store? Previously, the store only sold clothes, but over the years it has invested in accessories, has a perfumery sector and even its own clothing brand.

Thinking about expansion, the store was one of the first to create its own card with facilities for customers, such as interest-free long installments. Furthermore, over the years, those who had the Renner card were able to upgrade what they already had.

Therefore, the store created the Meu Cartão, which is for frequent customers of the store and has a credit card, does not charge an annual fee and can also be used for international purchases and in other websites or stores, for example.

Finally, whether it is the Renner card or Meu Cartão, the customer will have an option to pay cheaper, always with a 10% discount and with a 30-day period to start paying for purchases made in store in installments, which helps with financial planning.

Mainly because it does not charge fees in addition to installments, the Havan card is ideal for those looking for something basic, which offers discounts and lightning offers every week. In addition, there are other advantages, check below.

As we highlighted earlier, Renner customers can opt for the most basic card or the Meu Cartão, aimed at long-time customers or customers who shop frequently at stores, which brings even more benefits, so check out other advantages below.

Undoubtedly, anyone looking for a broader credit card, with a flag and associated with banks, will not find these advantages in the Havan card, which is basic and works only for purchases in the store or on the website.

Furthermore, when you live 200 kilometers from a store, that is, when you are far from a unit, your card will not be approved, not even to buy on the website, which reduces the possibilities for some consumers, right?

Finally, the Havan card still requires a minimum income accompanied by proof of this, so a student, for example, will not be approved if he does not have any monthly income.

Of course, paying an annual fee can be a problem, and it is charged when you use the Renner card to pay for subscriptions, such as Netflix or Spotify, and stop buying products from the store, for example.

Furthermore, when the need arises to withdraw the limit, be aware that a fee of R$14.90 will be charged for this transaction and, speaking of fees, if you need a new copy, you will also pay fees.

Undoubtedly, the choice between the Havan card or the Renner card is not easy, as the two stores have different profiles.

However, evaluate your finances, the situation of your score and your accounts to make the decision, as one has less bureaucracy in your order, after all, it does not offer credit cards.

On the other hand, the Renner card is ideal for discounts, participation in brand programs and many advantages, especially when you are already a frequent customer and can request the Meu Cartão.

In addition, if the doubt still remains, we are here to help you! So, below, check out another detailed comparison and don't go without choosing a credit card, of course, with our help.