{"id":28170,"date":"2021-08-16T23:00:00","date_gmt":"2021-08-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28170"},"modified":"2021-08-16T19:22:58","modified_gmt":"2021-08-16T19:22:58","slug":"cartao-ourocard-pre-pago-ou-cartao-ourocard-universitario-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/cartao-ourocard-pre-pago-ou-cartao-ourocard-universitario-qual-o-melhor\/","title":{"rendered":"Tarjeta Ourocard Prepago o Tarjeta Ourocard Universitaria: \u00bfcu\u00e1l es mejor?"},"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-ourocard-pr%C3%A9-pago-x-ourocard-universit%C3%A1rio-descubra-qual-escolher\">Prepago Ourocard x Ourocard Universit\u00e1rio: descubre cu\u00e1l elegir<\/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=\"Decida entre \u00f3timas op\u00e7\u00f5es Ourocard. Fonte: BB.\"  id=\"28172\" src=\"https:\/\/ucarecdn.com\/6a330a3b-b4e2-4c62-afa8-48c74b42e290\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Decida entre excelentes opciones de Ourocard. Fuente: BB.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si tienes dudas sobre la tarjeta prepago Ourocard o la tarjeta Ourocard Universit\u00e1rio, no te preocupes, porque hoy las resolveremos a trav\u00e9s de este texto comparativo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En primer lugar, conocemos la tradici\u00f3n del Banco do Brasil en relaci\u00f3n a productos bancarios, cuentas y tarjetas de cr\u00e9dito. Para llegar al p\u00fablico joven, principalmente, la decisi\u00f3n de ofrecer una tarjeta de cr\u00e9dito universitaria y tambi\u00e9n una opci\u00f3n para aquellos que se muestran negativos de no cerrar sus cuentas no es vieja.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aunque puedan parecer opciones similares, cada tarjeta est\u00e1 dise\u00f1ada para un perfil financiero. Solo por dar un ejemplo, la Ourocard universitaria es para quienes est\u00e1n iniciando sus estudios y necesitan una l\u00ednea de cr\u00e9dito incluso sin tener ingresos, es decir, solo presentar comprobante de inscripci\u00f3n y tener un l\u00edmite m\u00ednimo, como R$1,200.00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por otro lado, la Ourocard prepago es la opci\u00f3n para quienes deben al banco o est\u00e1n en mora de alg\u00fan modo y ya no pueden acceder al cr\u00e9dito, de tal manera que el cliente podr\u00e1 pagar con tarjeta de cr\u00e9dito incluso con un nombre en SPC o Serasa. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, conoce a continuaci\u00f3n las principales caracter\u00edsticas y diferencias entre la tarjeta prepago Ourocard o la tarjeta Ourocard Universit\u00e1rio. \u00a1Vamos all\u00e1!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-21muwO\">\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-ourocard-pre-pago\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta prepago Ourocard \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/2a74cd01-36e1-4c84-9973-df3c0796a595\/\" 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-ourocard-pre-pago\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta prepago Ourocard \">\n            C\u00f3mo solicitar la tarjeta prepago Ourocard         <\/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            \u00bfQuieres una tarjeta sin cuota anual, sin comisiones abusivas y con descuentos exclusivos? Entonces, conoce la Ourocard prepago.        <\/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-ourocard-pre-pago\/\"  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-ourocard-pre-pago\/\"  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\/2a74cd01-36e1-4c84-9973-df3c0796a595\/\">          \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 prepago Ourocard              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-ourocard-pre-pago\/\"  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-ZBdAce\">\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-ourocard-universitario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta universitaria Ourocard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\" 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-ourocard-universitario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta universitaria Ourocard\">\n            C\u00f3mo solicitar la tarjeta universitaria Ourocard        <\/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            La tarjeta Ourocard Universit\u00e1rio es una alternativa para estudiantes de pregrado. Renuncia a la prueba de ingresos y ofrece anualidad gratuita. Vea c\u00f3mo hacer un pedido.        <\/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-ourocard-universitario\/\"  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-ourocard-universitario\/\"  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\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\">          \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 universitaria Ourocard              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-ourocard-universitario\/\"  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 is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>tarjeta prepago Ourocard<\/strong><\/td><td><strong>Tarjeta Universitaria Ourocard<\/strong><\/td><\/tr><tr><td><strong>Renta M\u00ednima<\/strong><\/td><td>no requiere<\/td><td>no requiere<\/td><\/tr><tr><td><strong>Anualidad<\/strong><\/td><td>Eximir<\/td><td>Eximir<\/td><\/tr><tr><td><strong>Bandera<\/strong><\/td><td>Visa<\/td><td>Visa<\/td><\/tr><tr><td><strong>Techo<\/strong><\/td><td>Nacional<\/td><td>Nacional e internacional<\/td><\/tr><tr><td><strong>Beneficios<\/strong><\/td><td>Sin tarifas abusivas<br>Disponible para negativo<br>Compras a cr\u00e9dito en establecimientos f\u00edsicos<br>Retiros gratuitos en los primeros meses<\/td><td>Liberar un buen l\u00edmite incluso sin tener ingresos<br>No cobra tarifas de tarjetas BB tradicionales<br>Compras internacionales<br>Exclusivo para estudiantes entre 16 y 28 a\u00f1os.<\/td><\/tr><\/tbody><\/table><figcaption>Pero al final, \u00bfcu\u00e1l elegir?<\/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-ourocard-pr%C3%A9-pago-\"><strong>tarjeta prepago Ourocard<\/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, esta tarjeta es prepago, lo que significa que es necesario recargarla para que funcione la funci\u00f3n de cr\u00e9dito. Adem\u00e1s, cuando tienes una cuenta bancaria BB, es m\u00e1s f\u00e1cil utilizar esta tarjeta a trav\u00e9s de la banca por Internet, por ejemplo. Por lo tanto, ya debes ser titular de una cuenta para unirte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al igual que otras tarjetas prepago, \u00e9sta no permite cuotas, pero, a diferencia de las que ya existen en el mercado, no cobran comisiones por alta, creaci\u00f3n de la tarjeta ni ning\u00fan otro tipo de comisi\u00f3n, como recargas, es decir. , al ser titular de una cuenta todo estar\u00e1 incluido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, para los titulares de cuentas del Banco do Brasil que sean negativas o tengan un puntaje bajo, esta es la opci\u00f3n ya asociada a su cuenta bancaria que ofrece pagos en forma de cr\u00e9dito.<\/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-ourocard-universit%C3%A1rio-\"><strong>Tarjeta Universitaria Ourocard<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Con el objetivo de llegar a un p\u00fablico m\u00e1s joven, la tarjeta universitaria Ourocard es una de las \u00fanicas tarjetas de la modalidad que ofrece un l\u00edmite alto sin comprobante de ingresos. Esto se debe a que el estudiante s\u00f3lo necesita acreditar su v\u00ednculo con la universidad para tener una tarjeta de cr\u00e9dito Visa que le permita realizar compras internacionales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, los estudiantes que antes de solicitar una tarjeta de cr\u00e9dito se inscriben en un financiamiento estudiantil, como el FIES, tienen a\u00fan mayores posibilidades de aprobaci\u00f3n y de obtener un l\u00edmite mayor, al estar contratando m\u00e1s de un producto bancario ofrecido por la instituci\u00f3n financiera. .<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En conclusi\u00f3n, los estudiantes universitarios de entre 16 y 28 a\u00f1os pueden obtener la tarjeta de cr\u00e9dito Ourocard y utilizarla para necesidades b\u00e1sicas, siempre y cuando tengan algunos ingresos para pagar facturas y cuotas, claro. En definitiva, aunque sea una modalidad m\u00e1s b\u00e1sica, el cliente tiene acceso a todos los paquetes de descuentos y promociones del banco y de la marca.<\/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-ourocard-pr%C3%A9-pago-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta prepago Ourocard?<\/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=\"Volte a compras no cr\u00e9dito com este cart\u00e3o pr\u00e9-pago. Fonte: Pexels.\"  id=\"29351\" src=\"https:\/\/ucarecdn.com\/4d486669-c7a5-4c3b-9de5-24a0639d5e48\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Volver a compras a cr\u00e9dito con esta tarjeta prepago. 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>Aunque parece una tarjeta de cr\u00e9dito prepago como las dem\u00e1s, \u00e9sta ofrece la menor cantidad de tarifas y una cuenta bancaria segura y consolidada, como el Banco do Brasil. Adem\u00e1s, se puede adquirir sin salir de casa, permiti\u00e9ndose realizar el pedido a trav\u00e9s de la propia aplicaci\u00f3n. Adem\u00e1s, existen otras ventajas que se describen a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Compras online para personas negativas;<\/li><li>Sin cuota anual ni comisiones relacionadas con la modalidad de cr\u00e9dito;<\/li><li>Cambiar contrase\u00f1as, solucionar problemas y retirar fondos de cajeros autom\u00e1ticos BB;<\/li><li>Los clientes bancarios negativos pueden realizar la solicitud;<\/li><li>Programar recargas para dentro de un a\u00f1o, por ejemplo.<\/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-ourocard-universit%C3%A1rio-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta Ourocard Universit\u00e1rio?<\/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=\"Ideal para estudantes que n\u00e3o tem renda para os gastos da faculdade. Fonte: Pexels.\"  id=\"29354\" src=\"https:\/\/ucarecdn.com\/f2bf6757-f46b-4000-ac33-c04d6ee2dc0b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ideal para estudiantes que no tienen ingresos para gastos universitarios. 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>Si un joven estudiante universitario necesita cr\u00e9dito, es posible que la mayor\u00eda de los bancos no lo ofrezcan, por lo que los tipos de tarjetas universitarias surgieron para solucionar estos problemas y dar una oportunidad a quienes necesitan dinero para los gastos universitarios.\u00a0<\/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, no se trata de un ingreso extra sino de una cantidad a pagar. Adem\u00e1s, consulte los beneficios de esta tarjeta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Cr\u00e9dito para menores que tengan un CPF regular;<\/li><li>Sin prueba de ingresos;<\/li><li>L\u00edmite m\u00ednimo aprobado de R$1.200,00;<\/li><li>Participaci\u00f3n en los principales programas y acciones del BB;<\/li><li>Se permiten compras internacionales y por Internet.<\/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-ourocard-pr%C3%A9-pago-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta prepago Ourocard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aunque los beneficios son muchos, las desventajas de la tarjeta prepago Ourocard comienzan con las comisiones. Solo para darte un ejemplo, emitir la tarjeta cuesta R$10.00, adem\u00e1s, las tarifas de retiro en las redes de Banco24Horas cuestan R$5.00 y tambi\u00e9n hay una tarifa de mantenimiento mensual que var\u00eda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al ser una tarjeta prepago, tampoco podr\u00e1s realizar compras a plazos y solo podr\u00e1s utilizar la funci\u00f3n de cr\u00e9dito con el dinero que fue depositado en la tarjeta elegida. Finalmente, otra imposibilidad es que este pago prepago no permita compras a trav\u00e9s de internet, s\u00f3lo en establecimientos f\u00edsicos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, no es posible decir si ser\u00e1 \u00fatil para pagos de servicios de streaming, por ejemplo.<\/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=\"6-quais-as-desvantagens-do-cart%C3%A3o-ourocard-universit%C3%A1rio-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta Ourocard Universit\u00e1rio?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al ser una cuenta universitaria tiene algunas limitaciones, como solicitar un pr\u00e9stamo, la posibilidad de participar en paquetes de inversi\u00f3n y productos que pone a disposici\u00f3n el banco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, si est\u00e1s matriculado en un curso de educaci\u00f3n superior pero tienes m\u00e1s de 28 a\u00f1os, tendr\u00e1s que solicitar una tarjeta de cr\u00e9dito regular, ya que BB no permite esta modalidad para personas fuera del rango de edad definido de 16 a 28 a\u00f1os.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, existen pocos cursos de educaci\u00f3n superior aprobados por el banco, que no aceptan como prueba la inscripci\u00f3n a cursos tecnol\u00f3gicos, MBA, grados r\u00e1pidos, es decir, solo ser\u00e1 v\u00e1lido el comprobante de inscripci\u00f3n de una instituci\u00f3n regulada.<\/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=\"7-cart%C3%A3o-ourocard-pr%C3%A9-pago-ou-cart%C3%A3o-ourocard-universit%C3%A1rio-qual-escolher-\"><strong>Tarjeta prepago Ourocard o Tarjeta Universitaria Ourocard: \u00bfcu\u00e1l elegir?<\/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=\"Os dois casos podem ser ideais para quem est\u00e1 come\u00e7ando a vida financeira. Fonte: Banco do Brasil.\"  id=\"29358\" src=\"https:\/\/ucarecdn.com\/c01452dd-039b-4f70-881f-be26c1e587b5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ambos casos pueden ser ideales para quienes est\u00e1n iniciando su vida financiera. Fuente: Banco do Brasil.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, entre la tarjeta prepago Ourocard o la tarjeta Ourocard Universit\u00e1rio, tenemos un l\u00edmite de edad para utilizar una y un requisito de pago para utilizar la otra. Por eso, antes de elegir, consulta tu situaci\u00f3n financiera y c\u00f3mo te puede ayudar la tarjeta de cr\u00e9dito, ya que una permite compras a plazos, pero requiere compromisos y la otra no.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si a\u00fan necesitas m\u00e1s investigaci\u00f3n, \u00a1te ayudaremos en este viaje! A continuaci\u00f3n, otra comparaci\u00f3n realizada con mucha investigaci\u00f3n exhaustiva para que conozca otras opciones de cr\u00e9dito disponibles. Entonces, contin\u00faa leyendo con nuestro contenido recomendado a continuaci\u00f3n.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1OjbyV\">\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-impact-bank-ou-cartao-superdigital\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta Impact Bank o tarjeta Superdigital\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/fb0b01ac-2c05-4b23-83cb-e2b25f4f8b46\/\" 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-impact-bank-ou-cartao-superdigital\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta Impact Bank o tarjeta Superdigital\">\n            Tarjeta Impact Bank o tarjeta Superdigital        <\/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            Ambos cuentan con cobertura internacional y la bandera Mastercard, lo que te permite realizar compras en todo el mundo de una manera muy pr\u00e1ctica. Mira la comparaci\u00f3n.        <\/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-impact-bank-ou-cartao-superdigital\/\"  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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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\/cartao-impact-bank-ou-cartao-superdigital\/\"  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\/fb0b01ac-2c05-4b23-83cb-e2b25f4f8b46\/\">          \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                Tarjeta Impact Bank o tarjeta Superdigital              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/cartao-impact-bank-ou-cartao-superdigital\/\"  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>","protected":false},"excerpt":{"rendered":"<p>Con el objetivo de llegar a p\u00fablicos que buscan opciones menos tradicionales, el Banco do Brasil ofrece una tarjeta para personas negativas y una opci\u00f3n que aprueba incluso sin ingresos. \u00bfEres curioso? Luego, decide entre la tarjeta Ourocard Prepago o la tarjeta Ourocard Universit\u00e1rio.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[1421,286,198,1493,1423,287,861],"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 Ourocard pr\u00e9-pago ou Cart\u00e3o Ourocard Universit\u00e1rio: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Querendo atingir jovens e endividados, o BB oferece o cart\u00e3o Ourocard Pr\u00e9-Pago ou cart\u00e3o Ourocard Universit\u00e1rio. 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