{"id":29021,"date":"2021-08-16T23:00:00","date_gmt":"2021-08-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29021"},"modified":"2023-02-21T15:00:41","modified_gmt":"2023-02-21T15:00:41","slug":"cartao-havan-ou-cartao-shoptime-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/cartao-havan-ou-cartao-shoptime-qual-o-melhor\/","title":{"rendered":"Havan Card o Shoptime Card: \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-havan-x-shoptime-descubra-qual-escolher\">Havan x Shoptime: 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=\"Cart\u00e3o Havan ou cart\u00e3o Shoptime? Fonte: Pexels.\"  id=\"29364\" src=\"https:\/\/ucarecdn.com\/10f14dcd-6907-433c-82ca-4d965a6a5f04\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00bfTarjeta Havan o tarjeta Shoptime? 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 parecen similares, las opciones de la tarjeta Havan o la tarjeta Shoptime tienen diferencias espec\u00edficas. Mientras que el primero ofrece descuentos, cuotas sin intereses y no cobra cuotas mensuales, el segundo cobra algunas cuotas pero tiene tarjeta de cr\u00e9dito, lo que permite realizar compras en otros lugares.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A medida que realiza compras con la tarjeta Shoptime, puede obtener reembolsos a trav\u00e9s de AME, adem\u00e1s de participar en los programas de puntos de bandera de Visa, que desde 2017 est\u00e1n asociados a la tarjeta. Adem\u00e1s, tambi\u00e9n est\u00e1 el programa de puntos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En cambio, la tarjeta Havan suele ser m\u00e1s f\u00e1cil de aprobar, no tiene burocracias para la cancelaci\u00f3n y adem\u00e1s no asocia al cliente a contratos con marcas de cr\u00e9dito, por ejemplo. Adem\u00e1s, es interesante para aquellos que tienen menos ingresos y necesitan comprar muchos productos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, comparemos estas dos tarjetas y traigamos m\u00e1s detalles de los beneficios de cada una. Seguramente, al final del art\u00edculo, tendr\u00e1s suficiente informaci\u00f3n para elegir el mejor para tu bolsillo. \u00a1Sigue con nosotros!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-dJ3Nj\">\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\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\" 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            Perfecto para quienes buscan descuentos y cuotas sin intereses, adem\u00e1s de renunciar al pago de anualidades y cuotas de membres\u00eda. Reclama el tuyo.        <\/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\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\">          \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-1t31az\">\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-shoptime\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Shoptime\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\" 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-shoptime\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Shoptime\">\n            C\u00f3mo solicitar la tarjeta Shoptime        <\/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 Shoptime tiene bandera Visa, descuentos y cuotas largas sin intereses. \u00a1Solicite el suyo y disfrute comprando dentro y fuera del sitio!        <\/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-shoptime\/\"  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-shoptime\/\"  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\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\">          \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 Shoptime              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-shoptime\/\"  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 habana<\/strong><\/td><td><strong>Tarjeta de tiempo de compras<\/strong><\/td><\/tr><tr><td><strong>Renta M\u00ednima<\/strong><\/td><td>R$800.00<\/td><td>Salario m\u00ednimo<\/td><\/tr><tr><td><strong>Anualidad<\/strong><\/td><td>Eximir<\/td><td>12x de R$13.08<\/td><\/tr><tr><td><strong>Bandera<\/strong><\/td><td>No tiene<\/td><td>Visa<\/td><\/tr><tr><td><strong>Techo<\/strong><\/td><td>Nacional<\/td><td>Nacional&nbsp;<\/td><\/tr><tr><td><strong>Beneficios<\/strong><\/td><td>descuentos en la tienda<br>cuota sin intereses<br>Sin cuota anual ni cuotas<\/td><td>Hasta 45 d\u00edas para pagar la factura<br>L\u00edmite adicional para compras en tienda<br>Amor de reembolso<\/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-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>Indiscutiblemente, Havan se ha convertido en una de las cadenas de retail m\u00e1s grandes de Brasil, con 161 tiendas en 2021. Por lo tanto, es una red segura que est\u00e1 evolucionando en t\u00e9rminos de cat\u00e1logo de productos, ya que todo el tiempo ingresan a una nueva sucursal para atraer clientes. .<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por cierto, el crecimiento de las megatiendas es lo que hizo posible la tarjeta Havan, y desde que se cre\u00f3 se ha mantenido casi igual: ofreciendo cero anualidad o cuota de membres\u00eda, descuentos que llegan a 70% en algunos momentos, pago en hasta 10 Cuotas y buen plazo para empezar a pagar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, el pedido de la tarjeta Havan se hace sin burocracia, directamente en la tienda o por internet, es decir, espera una r\u00e1pida aprobaci\u00f3n y compras en el acto, ya que en cuanto se apruebe el l\u00edmite podr\u00e1s \u00fasalo incluso sin la tarjeta f\u00edsica.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, comparando la tarjeta Havan o la tarjeta Shoptime, la primera opci\u00f3n est\u00e1 indicada para aquellos que buscan algo b\u00e1sico, r\u00e1pido y que a\u00fan as\u00ed ahorra dinero. Adem\u00e1s, ser cliente habitual de la tienda tambi\u00e9n aumenta las posibilidades 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=\"2-cart%C3%A3o-shoptime-\"><strong>Tarjeta de tiempo de compras<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si bien muchas personas crecieron o envejecieron, Shoptime fue una de las empresas que form\u00f3 parte de la vida de muchas personas. Esto se debe a que en 1995 comenz\u00f3 como un canal de televenta muy popular para otros productos y, a medida que creci\u00f3, se convirti\u00f3 en un vendedor directo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, la empresa brasile\u00f1a cre\u00f3 hace un tiempo una tarjeta de cr\u00e9dito con la bandera Visa, es decir, el cliente puede aprovechar promociones en el sitio y, adem\u00e1s, comienza a comprar en otros lugares siempre que se apruebe el l\u00edmite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, participa del cashback Ame, es decir, parte del valor de la compra realizada con la tarjeta Shoptime vuelve a tu cuenta, sin contar que te dan 45 d\u00edas para pagar la primera cuota de productos y, adem\u00e1s , brindar oportunidades para retirar el l\u00edmite de cr\u00e9dito por aplicaci\u00f3n Cetelem, tel\u00e9fono o red Banco24Horas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, en la comparaci\u00f3n entre la tarjeta Havan y la tarjeta Shoptime, la segunda opci\u00f3n se vuelve ideal cuando se busca una tarjeta de cr\u00e9dito con marca, programas de puntos y beneficios exclusivos en productos Shoptime.<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, la tarjeta Havan aparece como una opci\u00f3n mucho m\u00e1s econ\u00f3mica en comparaci\u00f3n con otras del mismo tipo, ya que no tiene comisiones, lo que trae ventajas cuando se crean cuotas largas. Vea otros beneficios a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Cuotas sin inter\u00e9s hasta en 10 cuotas;<\/li><li>Primer pago de cuotas con un plazo de 40 d\u00edas;<\/li><li>Elecci\u00f3n del cliente de 9 fechas de vencimiento;<\/li><li>Sin membres\u00eda ni cuota anual;<\/li><li>Renta m\u00ednima para aprobaci\u00f3n;<\/li><li>Grandes descuentos en varios productos en las tiendas, incluso en l\u00ednea.<\/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-shoptime-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta Shoptime?<\/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=\"Benef\u00edcios do cart\u00e3o Shoptime. Fonte: Shoptime.\"  id=\"27203\" src=\"https:\/\/ucarecdn.com\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Beneficios de la tarjeta Shoptime. Fuente: Shoptime.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aunque parezca una tarjeta dif\u00edcil de aprobar, la tarjeta Shoptime ofrece beneficios por los que vale la pena esperar y demuestra ser una opci\u00f3n menos burocr\u00e1tica que las que ofrecen otras tiendas del mismo tama\u00f1o. Adem\u00e1s, conoce algunas de sus ventajas a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Ordene en l\u00ednea y reciba en casa;<\/li><li>Tener 45 d\u00edas para pagar la primera cuota;<\/li><li>Programa de puntos Shop+, por cada d\u00f3lar gastado, gana un punto para canjear por certificados de regalo;<\/li><li>Retiro a trav\u00e9s de Internet o cajeros autom\u00e1ticos de Banco24Horas;<\/li><li>Cuotas de hasta 36 cuotas sin inter\u00e9s en la red Shoptime;<\/li><li>Acceso a cr\u00e9dito y seguros personales.<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si bien la tarjeta Havan satisface al cliente en algunos criterios, limita a los consumidores a comprar solo en la red de la marca. Adem\u00e1s, si vive demasiado lejos de una de las tiendas, ni siquiera podr\u00e1 obtener la aprobaci\u00f3n para comprar en el sitio. Adem\u00e1s, vea algunas desventajas m\u00e1s a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Solo permite solicitudes de tarjeta cuando se vive cerca de una tienda Havan;<\/li><li>No puede utilizar el l\u00edmite de cr\u00e9dito en ning\u00fan otro lugar;<\/li><li>Altas tasas de inter\u00e9s en casos de retraso en el pago;<\/li><li>No tiene tarjeta de cr\u00e9dito;<\/li><li>No te da beneficios cuando compras con frecuencia.<\/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-shoptime-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta Shoptime?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin duda, lo que m\u00e1s desalienta a los clientes de la tarjeta Shoptime es no poder realizar compras internacionales, mientras que tarjetas similares permiten utilizar este l\u00edmite a trav\u00e9s de la marca de cr\u00e9dito. Pero, tambi\u00e9n hay m\u00e1s desventajas como las que se mencionan a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Solo compras nacionales;<\/li><li>Siempre pague una anualidad que exceda R$13.00;<\/li><li>requisito de ingresos m\u00ednimos;<\/li><li>La tarjeta f\u00edsica tarda en llegar;<\/li><li>Los descuentos existen, pero los mejores son para los productos de Shoptime.<\/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-shoptime-qual-escolher-\"><strong>Havan Card o Shoptime Card: \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=\"Cart\u00e3o Havan ou Cart\u00e3o Shoptime: qual escolher? Fonte: Pxhere.\"  id=\"29024\" src=\"https:\/\/ucarecdn.com\/799d42cb-8158-499c-9ed9-0f8d72e0df77\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Havan Card o Shoptime Card: \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>Finalmente, ahora que conoces ambas, \u00bfpudiste decidir entre la tarjeta Havan o la tarjeta Shoptime? En definitiva, una es ideal para personas de bajos ingresos, que quieren realizar compras de alto valor de los productos que tiene Havan sin pagar comisiones, es decir, es una tarjeta b\u00e1sica enfocada solo a la compra de productos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Una vez que te das cuenta de la falta de atributos en este caso, la tarjeta Shoptime es m\u00e1s completa en t\u00e9rminos de finanzas, porque tiene cobertura nacional, con la bandera Visa, cuotas mucho m\u00e1s largas sin inter\u00e9s y la posibilidad de ahorrar en varios aspectos, incluso con cashback. .<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, aunque la informaci\u00f3n est\u00e1 ah\u00ed, sabemos lo dif\u00edcil que es decidir. Por eso, separamos a continuaci\u00f3n otra comparativa hecha especialmente para aquellos que todav\u00eda tienen dudas! Vea m\u00e1s opciones como estas a continuaci\u00f3n y ponga m\u00e1s ideas para su clasificaci\u00f3n. Recuerda priorizar tu situaci\u00f3n financiera as\u00ed como tus necesidades actuales.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1LjOgj\">\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-mercado-pago-ou-cartao-brazilian-business-bank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfTarjeta Mercado Pago o Tarjeta BBB?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/04545aa6-2aaf-4645-a907-481f2cec2830\/\" 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-mercado-pago-ou-cartao-brazilian-business-bank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfTarjeta Mercado Pago o Tarjeta BBB?\">\n            \u00bfTarjeta Mercado Pago o Tarjeta BBB?        <\/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            Tanto Mercado Pago como la tarjeta Brazilian Business Bank tienen cobertura internacional y puedes controlar todo a trav\u00e9s de la aplicaci\u00f3n. \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-mercado-pago-ou-cartao-brazilian-business-bank\/\"  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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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/cartao-mercado-pago-ou-cartao-brazilian-business-bank\/\"  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>Elige entre una tarjeta que ofrece descuentos y cuotas sin intereses o prueba una opci\u00f3n que tiene las mismas ventajas, solo que con tarjeta de cr\u00e9dito. Entonces, decida con nosotros entre la tarjeta Havan o la tarjeta Shoptime.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,883,1340,884],"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 Shoptime: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decida entre cart\u00e3o Havan ou cart\u00e3o Shoptime. Um oferece descontos e o outro tem as mesmas vantagens, mas bandeira de cr\u00e9dito. 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