Undoubtedly, the Havan card or Saraiva card are full of benefits, but, after all, which one would be ideal for cheaper purchases?

With that in mind, we separate the main characteristics of the two options, one of which has a credit limit for purchases in other places and the other does not have bureaucratic criteria for approval, for example.

While the Saraiva card has a points accumulation program, the possibility of international purchases and a credit brand, the Havan card is aimed at store customers who want to pay cheaper and be free to pay bills.

Furthermore, both cards are ideal for those who are customers of the stores and need to spend less, as weekly discount options and offers are available only for customers who have credit cards.

Finally, find out more details and see if the Havan card or Saraiva card are ideal for your needs, remembering that both can be requested online. So, continue reading and check out the comparison.

Undoubtedly, the Havan card is ideal for store customers who pay for high-value purchases in installments and need more days to pay, as the possibility of starting to settle the invoice after 40 days is a great help for financial organization.

In addition, Havan has a credit card without a flag, annuity or membership fee that can be requested at the store without any bureaucracy. Therefore, have personal documents, proof of income and residence, in addition, spend the limit soon after approval.

Incidentally, the Havan card is one of the only ones that extends the payment of installments even further, since it has the pula pula, which is a store promotion. Therefore, buy between the 21st and 30th of a month and pay after 60 days, benefits that only credit card customers have.

Finally, you have the possibility to choose between nine due dates, with the security of changing whenever you want, as long as your installments are up to date, which is very good for financially organizing yourself when you change jobs, for example.

Although Saraiva is known for its extensive collection of books, games and other products, the network's card is an ally in purchases, without forgetting the possibilities for purchases and banking transactions that customers need.

In addition, it is a card that can be ordered through the website, which has a credit analysis by Banco do Brasil and does not charge any fee from the customer related to annuity, membership or maintenance, for example, being widely used by young people who get good credit limits on this card.

Similar to the Havan card, this one also offers 40 days to pay for the first purchases. In addition, they become points both in the Vai de Visa program and in Saraiva Plus, that is, they are double chances of accrual. In addition, all control is done by the application.

Therefore, urgencies can be resolved at BB branches, mainly related to credit transactions. Finally, with the Saraiva card you will have discounts, international purchases and a virtual card as soon as the credit limit is approved, which makes the option even more practical!

In order to reach a specific audience, the Havan card ends up not requiring so many documents and evidence, which makes it accessible and cheap, since it does not charge an annuity or membership fee. So follow more advantages, below.

While the Saraiva card is ideal for store customers, it also appears as a cheap option for those looking for basic payments, such as streaming service subscriptions, payment for food apps or rides, for example. So check out other benefits below.

First of all, it is important to emphasize that the Havan card does not have a credit card, that is, purchases are limited to stores and you will not accumulate points, for example. In addition, those who live more than 200 kilometers from a unit will not have their card released.

Although it is accessible and with little bureaucracy, the Havan card has a minimum income of R$800.00, which prevents the release for some people who have no income and cannot prove it, for example.

Finally, some customers have reported a maintenance fee as high as R$7.99. Therefore, be aware of invoice payments if these fees are being charged improperly, after all, the idea is that the Havan card is free.

Despite providing a virtual card while the physical card does not arrive after approval, it has complicated access for customers who need this service. This is because orders must be placed over the phone, which can slow down the process.

Mainly because the available numbers are the same as the BB call centers, that is, have the same waiting time as general bank customers, for example. Furthermore, even the unlocking of the card must be done at a branch, not very practical, right?

Finally, the Saraiva card has a rigorous analysis and, like any BB credit card, requires proof of income with the sending of photos and the insertion of detailed information.

Surely, you are stocked with information to decide between the Havan card or the Saraiva card, right?

In short, one of the cards is more basic, aimed at Havan store customers who need discounts, facilities and very few fees, in addition, it can be approved for those with a low score.

On the other hand, the Saraiva card appears as a cheaper credit card option even than digital bank cards, since there is no annuity, maintenance fee or membership payments.

That way, evaluate which option is best for you and don't forget to write down every detail that would be beneficial for your pocket. However, if even with the comparison it was not possible to reach a decision, rest assured! Below, we have another text that can help you in this decision.