Before talking about the comparison between the Ibicard card and the Havan card, we need to clarify some points.

As the years went by, banks and companies sought alternatives to serve an audience that is usually excluded, which are negative and low score. Thus, in this condition, most cannot get credit cards and are prevented from making purchases in installments.

Therefore, these alternatives range from prepaid cards, more flexible store cards and in some cases, traditional cards that make exceptions for those who are indebted, opening up some chances and allowing purchases in credit mode, whether in installments or not.

With that in mind, we are going to introduce you to two different types of cards, the Ibicard card or the Havan card, one that does not require proof of income and can be released for negatives and the other, which is known to have almost no fees and also offers great store customer discounts.

Also, check out the comparison and take note of the tips to understand which would be ideal for your budget, remembering that one is specific to the store and the other is broader, with credit flags and allowing international purchases. Let's go!

Of course, it's hard to believe that a credit card can be given to people with bad credit, but Ibi confirms that it is. Incidentally, among the requirements, they ask for movement, but they release the credit modality, with good limits and the possibility of online purchase.

Therefore, the Ibicard card was purchased by Banco Bradesco and maintains interesting features such as the possibility of paying bills with a 40-day term. In addition, the customer, even if negative, can benefit from the Mastercard brand, with the possibility of accumulating points.

Furthermore, it is a great option when looking for a more traditional credit card, prioritizing the choice between the Ibicard card and the Havan card when making a decision, as the latter can only be used in megastores.

Although not as advantageous for non-Havan customers, this option is excellent for those who usually shop at the store and want to pay less, that is, without paying membership fees or monthly fees. Therefore, pay only the installments created during the purchase without any additional charges.

In addition, it is possible to pay purchases in up to 10 installments and not pay any interest, which is excellent for those who need to make high-value purchases and do not have the full amount. In addition, the customer can choose between nine due dates for invoices, and change them whenever he wants, as long as there are no due dates.

Finally, when you make your first purchase, you still have 40 days to pay the first installment with tolerance for the next ones, so, when your order is accepted, you get discounts on most products, advantages and, even more, pay exactly what you consumed. Therefore, when choosing between the Ibicard or Havan cards, take into account your frequency in stores.

Mainly for negatives, the Ibicard card appears as an option without proof of income or analysis by credit bureaus, such as SPC/Serasa. Also, see other advantages.

First, the Havan card is one of the only ones that offers great limits for low incomes, making purchases free even if you don't have a physical card, which arrives a few days after the order is placed. See other benefits below.

As much as it is a good credit card for negatives, there are some criticisms to be made of the Ibicard card, among them, paying high fees would not be interesting, and this option charges some: using the limit or not, you will pay charges and if you do a withdrawal, you can pay up to 7,90%. Therefore, if, for example, there is an invoice installment, the fee can reach 4,90%.

It is undeniably a little uninteresting to have a good credit limit and not be able to use it in places other than the Havan stores, which limits the customer, besides, no trying to ask for the Havan card if you live too far away! That's because the order is only allowed for those close to a store, at least 200 kilometers.

Finally, it is a very basic credit card, unlike other large stores that have a flag and make international purchases possible, that is, the Havan card does not have a credit flag or any relationship with banks, which once again traps the customer in in-store purchases only.

Finally, know that the choice will be between a credit card that offers a limit for negatives and one that has a low score, making it possible again to subscribe to streaming services, food or ride-hailing apps, while the other gives a high spending limit at any Havan store and is full of payment facilities.

Furthermore, if there has not yet been a decision between the Ibicard card and the Havan card, don't worry, as our team has prepared yet another comparison so that you don't run out of credit purchases and have access to the best payment conditions! Then click below!