{"id":28006,"date":"2021-08-16T12:00:00","date_gmt":"2021-08-16T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28006"},"modified":"2021-08-16T17:01:45","modified_gmt":"2021-08-16T17:01:45","slug":"cartao-havan-ou-cartao-americanas-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/cartao-havan-ou-cartao-americanas-qual-o-melhor\/","title":{"rendered":"Tarjeta Havan o tarjeta Americanas: \u00bfcu\u00e1l elegir?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-havan-x-americanas-descubra-qual-o-ideal-para-voc%C3%AA\">Havan x Americanas: descubre cu\u00e1l es ideal para ti<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Havan ou cart\u00e3o Americanas: qual escolher? Fonte: Pxhere.\"  id=\"28009\" src=\"https:\/\/ucarecdn.com\/e11bbc09-efaf-4ad3-b598-0c239e8310ee\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Tarjeta Havan o tarjeta Americanas: \u00bfcu\u00e1l elegir? Fuente: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin duda, si te gusta comprar en grandes superficies y adem\u00e1s usar tu tarjeta de cr\u00e9dito, contar con un producto financiero con estas dos funciones es ideal para ti. Ante esto, \u00bfqu\u00e9 tal conocer la tarjeta Havan o Tarjeta Americanas?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aunque hay numerosas opciones, debe elegir la que se adapte a sus necesidades, que deben definirse antes de realizar el pedido. Por ello, ahora traemos estas dos interesantes opciones.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para que conozcas detalles importantes, hemos preparado una comparativa que trae la informaci\u00f3n principal sobre las dos opciones. Adem\u00e1s, para avanzar, sepa que la tarjeta Havan, a pesar de ofrecer grandes beneficios, no tiene tarjeta de cr\u00e9dito, a diferencia de la tarjeta Americanas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por eso, s\u00edguenos y nota las principales diferencias a la hora de elegir entre la tarjeta Havan o la tarjeta Americanas, que son de suma utilidad sin importar los beneficios de cada una.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2pYs71\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Havan\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1998a8c8-5f91-42ff-8e58-df4134ad387b\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Havan\">\n            C\u00f3mo solicitar la tarjeta Havan        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00bfBuscas una tarjeta de tienda que te ofrezca descuentos, cuotas largas sin intereses y 9 fechas para pagar la primera cuota? As\u00ed que pide tu tarjeta Havan.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/1998a8c8-5f91-42ff-8e58-df4134ad387b\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                C\u00f3mo solicitar la tarjeta Havan              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio web.              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1f71Ei\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-cartao-americanas\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Americanas\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/19ac276b-9b04-40d1-b0ea-d7e560115a20\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-cartao-americanas\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Americanas\">\n            C\u00f3mo solicitar la tarjeta Americanas        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Los clientes de Americanas necesitan una tarjeta con bandera internacional, oportunidades de descuentos todos los d\u00edas y participaci\u00f3n en programas de bandera. \u00a1Aplica ya!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-cartao-americanas\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { 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setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-cartao-americanas\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/19ac276b-9b04-40d1-b0ea-d7e560115a20\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                C\u00f3mo solicitar la tarjeta Americanas              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-cartao-americanas\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio web.              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>tarjeta habana<\/strong><\/td><td><strong>Tarjeta Americanas<\/strong><\/td><\/tr><tr><td><strong>Renta M\u00ednima<\/strong><\/td><td>Salario m\u00ednimo<\/td><td>Salario m\u00ednimo<\/td><\/tr><tr><td><strong>Anualidad<\/strong><\/td><td>Eximir<\/td><td>12x R$ 16.99<\/td><\/tr><tr><td><strong>Bandera<\/strong><\/td><td>No tiene<\/td><td>Visa o Mastercard<\/td><\/tr><tr><td><strong>Techo<\/strong><\/td><td>Nacional<\/td><td>nacional o internacional<\/td><\/tr><tr><td><strong>Beneficios<\/strong><\/td><td>Descuentos de hasta 50% en compras<br>Pago hasta en 10 cuotas sin inter\u00e9s<br>Sin membres\u00eda ni cuota anual<\/td><td>En la versi\u00f3n m\u00e1s b\u00e1sica, te devuelven la anualidad<br>solicitud de solicitud<br>Descuentos en un amplio cat\u00e1logo de productos<\/td><\/tr><\/tbody><\/table><figcaption>Compara las dos opciones<\/figcaption><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-cart%C3%A3o-havan-\"><strong>tarjeta habana<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En primer lugar, la tarjeta Havan se aprobar\u00e1 m\u00e1s r\u00e1pido cuando lleves un tiempo como cliente de la tienda, es decir, teniendo un registro y compras constantes. Por lo tanto, cuanto m\u00e1s compre, mayores ser\u00e1n las posibilidades de aprobaci\u00f3n con un buen l\u00edmite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Con el fin de incentivar las compras, se cre\u00f3 la tarjeta Havan sin cuota anual ni cuota de membres\u00eda, con el objetivo de que los clientes paguen solo las cuotas de las compras que realizan, y sin intereses.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De hecho, la tarjeta Havan ser\u00eda ideal para quien busca una opci\u00f3n diversificada, sin mezclar las facturas de compra en tiendas con el resto de la tarjeta de cr\u00e9dito. Adem\u00e1s, no pesa en tu bolsillo, ya que no hay comisiones ni intereses como una tarjeta de cr\u00e9dito normal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, no se puede utilizar en otro lugar, ya que no tiene tarjeta de cr\u00e9dito. A\u00fan as\u00ed, da 40 d\u00edas para pagar cuotas y fraccionamientos que llegan hasta 10 cuotas, sin cobrar ning\u00fan inter\u00e9s al cliente.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-americana-s\"><strong>Tarjeta Americana<\/strong>s<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como la tarjeta Americanas est\u00e1 vinculada a la tienda, por supuesto, tambi\u00e9n tiene tipos para cada bolsillo. La tarjeta de cr\u00e9dito com\u00fan, marca Visa sin banco asociado, ofrece descuentos y tambi\u00e9n permite compras en cualquier lugar con tu l\u00edmite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por otro lado, tambi\u00e9n est\u00e1 Bradescard Americanas, con opciones para compras nacionales e internacionales, es decir, tendr\u00e1s cuenta bancaria, l\u00edmite disponible y transacci\u00f3n completa, manteniendo los buenos descuentos que ofrece la tienda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, ofrece tarjetas adicionales y programas de beneficios espec\u00edficos, entre ellos Mais Sorrisos. B\u00e1sicamente, cuando el cliente inserta el c\u00f3digo del programa, acumula puntos que pueden ser canjeados por otras compras en el sitio, teniendo los puntos, los certificados de regalo pueden llegar a R$250.00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al final, al elegir entre la tarjeta Havan o la tarjeta Americanas, sepa que la \u00faltima opci\u00f3n funcionar\u00e1 completamente como una tarjeta de cr\u00e9dito normal, por lo que tiene m\u00e1s criterios de aprobaci\u00f3n.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-havan-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta Havan?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, quais s\u00e3o as vantagens? Fonte: Pexels.\"  id=\"29253\" src=\"https:\/\/ucarecdn.com\/b879ecb7-b898-487e-9568-78f8a4a81418\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pero, despu\u00e9s de todo, \u00bfcu\u00e1les son las ventajas? Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin duda, la tarjeta Havan es excelente para quienes buscan una opci\u00f3n de bajo costo que ofrezca un buen l\u00edmite de compra, sin mencionar el excelente momento para comenzar a pagar cuotas y las facilidades de las cuotas sin intereses. Vea, a continuaci\u00f3n, m\u00e1s ventajas para ayudarlo a elegir entre la tarjeta Havan o la tarjeta Americanas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Pago hasta en 10 cuotas sin cargos adicionales;<\/li><li>Pago de las primeras cuotas dentro de los 40 d\u00edas;<\/li><li>Casi ning\u00fan inter\u00e9s por los pagos atrasados;<\/li><li>9 fechas de vencimiento de factura elegidas por el cliente;<\/li><li>Sin anualidad ni cuota de membres\u00eda;<\/li><li>No hay necesidad de abrir una cuenta bancaria y no hay burocracia para pedir la tarjeta.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-americanas-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta Americanas?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como la tarjeta Havan limita al cliente a la tienda, la opci\u00f3n Americanas libera al cliente para comprar en otros lugares, ya que tiene tarjeta de cr\u00e9dito y la opci\u00f3n asociada al banco Bradesco. Solo a modo de ejemplo, tambi\u00e9n separamos las ventajas de esta tarjeta en temas que, adem\u00e1s de estas ventajas, ofrecen cashback en programas espec\u00edficos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Programa Mais Sorrisos, que acumula puntos con cada compra y puede canjearse por un certificado de regalo;<\/li><li>banderas de Visa o Mastercard;<\/li><li>Opci\u00f3n asociada al banco Bradesco, con apertura de cuenta y disponibilidad de otros productos financieros;<\/li><li>Descuentos en toda la tienda y compras f\u00e1ciles;<\/li><li>Exclusividad en promociones previstas, como Black Friday;<\/li><li>Aprobaci\u00f3n incluso para rentas m\u00e1s bajas, es decir, personas con salario m\u00ednimo.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-as-desvantagens-do-cart%C3%A3o-havan-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta Havan?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, quais s\u00e3o as desvantagens? Fonte: Pexels.\"  id=\"29258\" src=\"https:\/\/ucarecdn.com\/8cfd0c02-a389-4a31-90e1-f24c0ed0d3f9\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pero, despu\u00e9s de todo, \u00bfcu\u00e1les son las desventajas? Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s de elogios, tambi\u00e9n hay cr\u00edticas a la tarjeta Havan. Vea las desventajas a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>No es como una tarjeta de cr\u00e9dito normal, solo se puede usar en las tiendas Havan;<\/li><li>No puedes solicitar la tarjeta si vives a m\u00e1s de 200 kil\u00f3metros de una tienda Havan;<\/li><li>No tiene tarjeta de cr\u00e9dito ni ninguna asociaci\u00f3n bancaria.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-americanas-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta Americanas?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No solo es una tarjeta de cr\u00e9dito emblem\u00e1tica, la tarjeta Americanas tambi\u00e9n es buena para compras en la tienda, pero eso no significa que no tenga inconvenientes. Vea algunos de ellos a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Hay muchas quejas sobre el programa Mais Sorrisos, ya que algunas personas enfrentan dificultades para canjear puntos;<\/li><li>No hay exenci\u00f3n de anualidad, que exceda R$ 150.00;<\/li><li>Costo de R$13.90 por retiros en la red de Banco24H.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-havan-ou-cart%C3%A3o-americanas-qual-escolher-\"><strong>Tarjeta Havan o tarjeta Americanas: \u00bfcu\u00e1l elegir?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Una vez que tengas todos los detalles, es hora de poner tus ingresos en papel y las prioridades para elegir entre la tarjeta Havan o la tarjeta Americanas. \u00a1Con nuestra comparaci\u00f3n detallada, ser\u00e1 m\u00e1s claro entender cu\u00e1l es el ideal!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u00fan as\u00ed, si quedan dudas, no te preocupes. Nuestro equipo siempre est\u00e1 comparando e investigando otras opciones para adaptarse a diferentes perfiles financieros. Si a\u00fan no ha golpeado el martillo, haga clic a continuaci\u00f3n y vea otra comparaci\u00f3n.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZGwbG8\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/es\/cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta Havan o Tarjeta Ricardo Eletro\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6c161c6d-2b9d-496e-8d51-4ca07102cecc\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/es\/cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta Havan o Tarjeta Ricardo Eletro\">\n            Tarjeta Havan o Tarjeta Ricardo Eletro        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Dos tiendas consolidadas tienen tarjetas con grandes cuotas, pero solo una permite una marca de cr\u00e9dito y compras en otras localidades. \u00a1Verificar!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/es\/cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Mira la comparativa que hemos preparado para ti sobre la tarjeta Havan y la tarjeta Americana.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[459,179,525,1492],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cart\u00e3o Havan ou Cart\u00e3o Americanas: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Um cart\u00e3o oferece descontos, o outro, d\u00e1 acesso a compras na loja e fora dela. 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