{"id":29026,"date":"2021-08-16T23:01:00","date_gmt":"2021-08-16T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29026"},"modified":"2021-08-16T19:24:34","modified_gmt":"2021-08-16T19:24:34","slug":"cartao-havan-ou-cartao-crefisa-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/cartao-havan-ou-cartao-crefisa-qual-o-melhor\/","title":{"rendered":"Tarjeta Havan o Tarjeta Crefisa: \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-crefisa-descubra-qual-escolher\">Havan x Crefisa: 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 Crefisa: saiba qual escolher. Fonte: Pexels.\"  id=\"29403\" src=\"https:\/\/ucarecdn.com\/acdde7f6-1456-4789-8744-8d875a32d935\/\" 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 Crefisa: conoce cu\u00e1l elegir. 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>Hoy vamos a hacer una comparativa entre la tarjeta Havan y la tarjeta Crefisa. \u00a1Seguir!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Una vez que hayas comprado en las tiendas de Havan, te dar\u00e1s cuenta que hay una gran variedad de productos, algunos son m\u00e1s caros, otros son m\u00e1s asequibles, es decir, la marca es ideal para todos los p\u00fablicos. Por lo tanto, el prop\u00f3sito de la tarjeta de cr\u00e9dito Havan es precisamente ese: permitir que el mismo p\u00fablico tambi\u00e9n acceda a productos m\u00e1s caros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por eso, la tarjeta Havan ofrece cuotas largas sin intereses, muchas fechas para iniciar los pagos y no cobra al cliente ninguna cuota mensual, haciendo que pague solo lo que consumi\u00f3.<\/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 de tienda, no permite al cliente utilizarla en otro lugar, a diferencia de la tarjeta Crefisa. Apenas apareci\u00f3 la compa\u00f1\u00eda de cr\u00e9dito, se perfil\u00f3 como una de las m\u00e1s conocidas y seguras del pa\u00eds, ofreciendo cr\u00e9dito y ahora, asociando estos dos productos en una tarjeta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Las tarjetas Crefisa m\u00faltiples y prepago se pueden utilizar en la funci\u00f3n de d\u00e9bito, y el l\u00edmite de cr\u00e9dito es el depositado por el cliente o el obtenido a trav\u00e9s de un pr\u00e9stamo personal o de n\u00f3mina. Por \u00faltimo, es una tarjeta sin cuota anual y que incluso te puede convertir en agente de Crefisa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, comprender\u00e1s m\u00e1s detalles en esta comparativa entre la tarjeta Havan y la tarjeta Crefisa, que se muestran como opciones para quienes buscan cr\u00e9dito para compras, pero tambi\u00e9n para invertir en sue\u00f1os. \u00a1Vamos all\u00e1!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1tK3RU\">\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\/52525b65-f14f-4533-80be-400e0a5151da\/\" 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            \u00bfBusca una tarjeta de tienda que no cobre comisiones y que adem\u00e1s ofrezca cuotas sin intereses de hasta 10 cuotas? \u00a1Entonces solicite la 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\/52525b65-f14f-4533-80be-400e0a5151da\/\">          \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-2lRGWE\">\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-crefisa\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Crefisa\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1551fa3a-7136-41ab-bcc5-5e7a1bcf9912\/\" 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-crefisa\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Crefisa\">\n            C\u00f3mo solicitar la tarjeta Crefisa        <\/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            Pr\u00e9stamo por negativo y adem\u00e1s una tarjeta de d\u00e9bito sin costo! Esta es la tarjeta Crefisa, que se puede utilizar para transacciones bancarias. \u00a1Encontrarse!        <\/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-crefisa\/\"  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-crefisa\/\"  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\/1551fa3a-7136-41ab-bcc5-5e7a1bcf9912\/\">          \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 Crefisa              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-crefisa\/\"  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 crefisa<\/strong><\/td><\/tr><tr><td><strong>Renta M\u00ednima<\/strong><\/td><td>R$800.00<\/td><td>no requerido<\/td><\/tr><tr><td><strong>Anualidad<\/strong><\/td><td>Eximir<\/td><td>Eximir<\/td><\/tr><tr><td><strong>Bandera<\/strong><\/td><td>No tiene<\/td><td>tarjeta MasterCard<\/td><\/tr><tr><td><strong>Techo<\/strong><\/td><td>Nacional<\/td><td>Nacional<\/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>Tarjeta de d\u00e9bito\u00a0<br>Pr\u00e9stamo a gastar directamente en la cuenta de Crefisa<br>Retiros en la red de Banco24Horas<\/td><\/tr><\/tbody><\/table><figcaption>Pero, al fin y al cabo, \u00bfcu\u00e1l es la mejor carta?<\/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 el momento en que pides la tarjeta Havan, la aprobaci\u00f3n es r\u00e1pida y puedes disfrutarla en tiendas f\u00edsicas incluso sin tenerla en la mano. Por eso, lleva tus documentos personales, incluido el comprobante de ingresos y ten un l\u00edmite que puede pagar tus compras hasta en 10 cuotas sin inter\u00e9s.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, la tarjeta Havan es una de las \u00fanicas que permite pagos hasta en 40 d\u00edas sin ning\u00fan problema con el SPC, incluidas las primeras cuotas. Por mucho que no parezca interesante, es ideal usarlo, por ejemplo, como elemento de organizaci\u00f3n financiera, ya que el cliente puede elegir entre nueve fechas de vencimiento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, no pagar\u00e1 cuota de socio, anualidad ni cantidad alguna m\u00e1s all\u00e1 de la cuota pactada al principio, salvo que exista un retraso en la factura. Por eso, def\u00ednela como la tarjeta de compras para el hogar y la familia, sin utilizar el l\u00edmite de cr\u00e9dito de las tarjetas que tienen bandera, 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=\"2-cart%C3%A3o-crefisa-\"><strong>tarjeta crefisa<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mucho que mucha gente desconf\u00ede de la marca, Crefisa solo beneficia con cr\u00e9dito a quienes lo necesitan, por lo que las tarjetas m\u00faltiples y prepago llegan para hacer la vida m\u00e1s f\u00e1cil, principalmente, a quienes ya tienen un historial con la empresa y necesitan realizar transacciones financieras. sin necesidad de transferencias y pago de boletas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, la empresa no aclara si se pueden realizar compras con la funci\u00f3n de cr\u00e9dito, es decir, se tiene la certeza de que se pueden realizar compras con d\u00e9bito con el saldo disponible en la cuenta corriente. Pero el dinero que est\u00e1 all\u00ed debe ser depositado u obtenido a trav\u00e9s de un pr\u00e9stamo personal, lo que requiere un an\u00e1lisis de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, si usted es cliente de Crefisa y necesita un pr\u00e9stamo y una tarjeta que se pueda utilizar para algunas cuentas, como servicios de transmisi\u00f3n, pagos de aplicaciones de alimentos o viajes, esta es la tarjeta ideal. De todos modos, tiene marca Mastercard, permite compras en efectivo y no cobra anualidad.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por \u00faltimo, a la hora de decidirte entre la tarjeta Havan o la tarjeta Crefisa, ten en cuenta que en la segunda opci\u00f3n tendr\u00e1s una tarjeta de pago directamente asociada a tus ingresos o un pr\u00e9stamo, no es un l\u00edmite preaprobado, \u00bfok?<\/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 as vantagens do cart\u00e3o? Fonte: Pexels.\"  id=\"29392\" src=\"https:\/\/ucarecdn.com\/add015cf-eabb-4007-8623-94d23054a501\/\" 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, al fin y al cabo, \u00bfcu\u00e1les son las ventajas de la tarjeta? 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 bien es una opci\u00f3n b\u00e1sica y permite gastar un l\u00edmite solo en tiendas Havan, la tarjeta tiene numerosas ventajas para quienes ya son clientes, como los productos les gustan y siempre necesitan comprar m\u00e1s, al fin y al cabo, hay compras que no lo son. lujos, sino necesidades.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por ello, separamos otros detalles de la tarjeta Havan para que los consultes, 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-crefisa-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta Crefisa?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin duda, la tarjeta Crefisa surgi\u00f3 para facilitar las transacciones bancarias a los clientes actuales y futuros, pues antes el dinero pod\u00eda incluso tardar m\u00e1s en caer cuando se enviaba a cuentas en otros bancos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En cualquier caso, la opci\u00f3n de la tarjeta eliminaba las comisiones cobradas en otros bancos e incluso permit\u00eda compras directas a trav\u00e9s de la cuenta corriente. Adem\u00e1s, te detallamos m\u00e1s beneficios de esta opci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Nunca pague una anualidad;<\/li><li>Recibe tu pr\u00e9stamo m\u00e1s r\u00e1pido y realiza compras con deuda;<\/li><li>Facilitar la aprobaci\u00f3n del pr\u00e9stamo con la revisi\u00f3n de la tarjeta;<\/li><li>Cuenta digital con transacciones bancarias disponibles, como transferencias, retiros y pago de boletas;<\/li><li>Ser agente de crefisa, es decir, recomendar amigos y ganar dinero si te contratan;<\/li><li>Mueve la cuenta a trav\u00e9s de la aplicaci\u00f3n de Crefisa.<\/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=\"29395\" src=\"https:\/\/ucarecdn.com\/9d3b2cc4-78e2-43f1-9884-a7fce6517f99\/\" 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>As\u00ed como hay beneficios, la tarjeta Havan tambi\u00e9n trae muchas limitaciones para el cliente, siendo la principal el impedimento de solicitar una tarjeta de cr\u00e9dito de una tienda si la distancia a la que vives es mayor a 200 kil\u00f3metros de una tienda Havan, adem\u00e1s de Adem\u00e1s, tambi\u00e9n hay otros puntos negativos, como los que se describen a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><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-crefisa-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta Crefisa?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De la misma manera que facilita la vida a quienes ya son clientes de Crefisa, la tarjeta ofrece pocos atractivos para los de fuera, es decir, no confirmar las compras en la modalidad de cr\u00e9dito es un problema, adem\u00e1s, existen otras situaciones que podemos mencionar como desventajas a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Compras a d\u00e9bito \u00fanicamente en establecimientos nacionales;<\/li><li>Compras en efectivo, no es posible hacer cuotas, incluso con la funci\u00f3n prepago;<\/li><li>Hay cargos por retiros;<\/li><li>Para que la tarjeta est\u00e9 activa, debe realizar transferencias o tomar un pr\u00e9stamo de marca.<\/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-crefisa-qual-escolher-\"><strong>Tarjeta Havan o Tarjeta Crefisa: \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=\"Mas, afinal, qual escolher? Fonte: Pxhere.\"  id=\"29029\" src=\"https:\/\/ucarecdn.com\/f0d24324-33de-4cf9-8268-f099f2167253\/\" 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 al final, \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>En resumen, una opci\u00f3n est\u00e1 dirigida a quienes buscan una opci\u00f3n enfocada a comprar en las tiendas Havan y la otra es ideal para los consumidores que buscan un pr\u00e9stamo sin comisiones de transferencia a otros bancos, por ejemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por \u00faltimo, no te preocupes si a\u00fan no has visto la ventaja de elegir entre la tarjeta Havan y la tarjeta Crefisa, ya que nuestro equipo siempre prepara otras opciones de comparaci\u00f3n. Haga clic en el contenido recomendado a continuaci\u00f3n y vea m\u00e1s ideas para decidir qu\u00e9 tarjeta es mejor para usted.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1l6sz7\">\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-ourocard-universitario-ou-cartao-impact-bank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfOurocard Universit\u00e1rio o Impact Bank Card?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ebdcb663-52fe-4b8d-b9ab-86a2edaadf69\/\" 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-ourocard-universitario-ou-cartao-impact-bank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfOurocard Universit\u00e1rio o Impact Bank Card?\">\n            \u00bfOurocard Universit\u00e1rio o Impact Bank Card? 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Por eso, elegir entre la tarjeta Havan o la tarjeta Crefisa te ayuda con la organizaci\u00f3n financiera. Vale la pena se\u00f1alar que el primero ofrece acceso a productos caros a un precio asequible. Y el segundo puede facilitar la adquisici\u00f3n de un pr\u00e9stamo. \u00a1Aprende m\u00e1s aqu\u00ed!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[498,179,198,835,525,287,499],"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 Crefisa: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Cart\u00e3o Havan ou cart\u00e3o Crefisa? Ambos s\u00e3o \u00f3timos cart\u00f5es, mas oferecem vantagens distintas. 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