Firstly, choosing a credit card is never easy and when the opportunity arises for it to be from a large department store, many people think that it may not be advantageous, which is not the case with the Havan card or Ricardo Eletro card.

This is because many stores, like the ones mentioned, decided to invest in their credit cards, transforming them into allies in financial planning. In the case of the Havan card or Ricardo Eletro card, they offer benefits that will be useful for each type of budget.

Therefore, we chose the two cards to help with your decision, so that you know some important details, such as that the Havan card, for example, is for in-store purchases only, while the Ricardo Eletro card effectively works as credit, with flag and annual fee.

Even though it seems like an obvious choice, we will show you the advantages and details of each one. To avoid an unhealthy decision for your pocket, simply compare between the Havan card or the Ricardo Eletro card.

Firstly, know that the Havan card will be much more advantageous for those who frequently shop at the brand's stores.

However, it can be used without problems as an ally in financial organization, especially if there is a monthly expense in the store. Put the purchases you want on this card, pay in as many installments as you want without interest and have more time to pay.

So that it is not your main credit card, the Havan card is a great option to avoid mixing up your accounts and keep everything in order at the end of the month.

With that in mind, the Havan card gives you 40 days to pay and you can also choose one of 9 dates of the month to pay your monthly bill, and you can change this date whenever you want. Even though it cannot be used in other places, it can be your ally.

To begin with, the Ricardo Eletro card is ideal for customers who are regulars at the store and are also looking for a basic credit card option, which will serve you even if setbacks arise.

When we say this, it is that even with a negative name, it will still be your partner with the same advantages, offering the Visa brand, all the brand's programs and even additional cards for the whole family.

Therefore, a great way to use the Ricardo Eletro card and allocate it for a single purpose, in addition to in-store purchases, for example, setting aside this limit just to pay small bills or discount streaming services, such as Netflix.

Furthermore, this card does not require a high score or a completely regular name for its issuance. If you have a good history at the store, a bad name will not be a problem so you have a reasonable limit offered by the Ricardo Eletro card. The disadvantage is that its coverage is only national.

Among the main advantages, the Havan card provides a longer payment period and allows long installments. In addition, it has other benefits that make it easier to choose between the Havan card or the Ricardo Eletro card

Before making the decision, take these points from the Havan card into consideration, below.

Still have questions between the Havan card or the Ricardo Eletro card? See, in detail, the advantages of this option below.

On the other hand, there are also some features that are not attractive about the Havan card.

The Ricardo Eletro card does not have international coverage, which limits its customers. In addition, we have other disadvantages, below.

Now that you have information about both, you can differentiate which would be better for your case, the Havan card or the Ricardo Eletro card.

But remember to prioritize the one that will organize your finances and meet your needs, and of course, that will fit into your budget! So, if you still have doubts, just click on the link below and check out another comparison that could be ideal!