{"id":29031,"date":"2021-08-17T12:00:00","date_gmt":"2021-08-17T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29031"},"modified":"2021-08-16T21:41:08","modified_gmt":"2021-08-16T21:41:08","slug":"cartao-ibicard-ou-cartao-crefisa-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/cartao-ibicard-ou-cartao-crefisa-qual-o-melhor\/","title":{"rendered":"Tarjeta Ibicard 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-ibicard-x-crefisa-descubra-qual-escolher\">Ibicard 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 Ibicard ou cart\u00e3o Crefisa: qual escolher? Fonte: Pxhere.\"  id=\"29033\" src=\"https:\/\/ucarecdn.com\/3bb99ff3-6a1b-4615-af44-72d1912a350c\/\" 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 Ibicard o tarjeta Crefisa: \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>Es probable que llegaste aqu\u00ed porque no pudiste aprobar ninguna tarjeta de cr\u00e9dito porque ten\u00edas un nombre sucio, \u00bfverdad? En ese sentido, te detallamos para que elijas entre la tarjeta Ibicard o la tarjeta Crefisa, que aparecen como una oportunidad para este p\u00fablico.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, la tarjeta Ibicard est\u00e1 asociada con el Banco Bradesco, tiene una alta probabilidad de aprobaci\u00f3n para aquellos que tienen un puntaje bajo o tienen un nombre negativo, o sea, libera un cierto l\u00edmite y beneficios incluso con la morosidad. Adem\u00e1s, funciona como cualquier otra tarjeta 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 otro lado, tenemos la tarjeta Crefisa, que tambi\u00e9n promete homologaci\u00f3n para prestaciones como las ya comentadas. Sin embargo, es una tarjeta que requiere algunas cosas para funcionar en la funci\u00f3n de d\u00e9bito, como la transferencia de valores o la aprobaci\u00f3n de un pr\u00e9stamo por parte 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, es ideal para quienes ya tienen un historial con la empresa y puede ser la soluci\u00f3n si necesita efectivo r\u00e1pido, por ejemplo. Por \u00faltimo, vamos a comparar estas dos tarjetas y resaltar los datos m\u00e1s importantes, para que puedas decidirte entre la tarjeta Ibicard o la tarjeta Crefisa. \u00a1Vamos all\u00e1!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z10ynK8\">\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-ibicard-facil\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Ibicard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a0a4d66f-f503-42c5-9542-bf525d5206aa\/\" 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-ibicard-facil\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Ibicard\">\n            C\u00f3mo solicitar la tarjeta Ibicard        <\/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            Perfecta para negativos, la tarjeta Ibicard permite compras online e internacionales, adem\u00e1s de un plazo de 40 d\u00edas para pagar las primeras compras. \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-ibicard-facil\/\"  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-ibicard-facil\/\"  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\/a0a4d66f-f503-42c5-9542-bf525d5206aa\/\">          \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 Ibicard              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-ibicard-facil\/\"  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-nWpF5\">\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            \u00bfPr\u00e9stamo para cuenta negativa y digital listo para cualquier transacci\u00f3n bancaria? Solo Crefisa puede ofrecer. \u00a1Sepa mas!        <\/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 ibicard<\/strong><\/td><td><strong>tarjeta crefisa<\/strong><\/td><\/tr><tr><td><strong>Renta M\u00ednima<\/strong><\/td><td>no requerido<\/td><td>no requerido<\/td><\/tr><tr><td><strong>Anualidad<\/strong><\/td><td>R$ 36.00<\/td><td>Eximir<\/td><\/tr><tr><td><strong>Bandera<\/strong><\/td><td>tarjeta MasterCard<\/td><td>tarjeta MasterCard<\/td><\/tr><tr><td><strong>Techo<\/strong><\/td><td>Nacional e internacional<\/td><td>Nacional<\/td><\/tr><tr><td><strong>Beneficios<\/strong><\/td><td>Posible aprobaci\u00f3n de negativos<br>40 d\u00edas para pagar las compras<br>No es necesario demostrar ingresos<\/td><td>Tarjeta de d\u00e9bito\u00a0<br>Pr\u00e9stamo por negativo con dinero disponible en la cuenta de Crefisa<br>Sacar dinero en cajeros de la red de Banco24Horas<\/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-ibicard-\"><strong>tarjeta ibicard<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por dif\u00edcil que parezca creer, la promesa de la tarjeta Ibicard es una opci\u00f3n para que aquellos con baja puntuaci\u00f3n puedan conseguir un buen l\u00edmite de cr\u00e9dito y poder realizar transacciones como cualquier pagador, es decir, pagar compras en cuotas, participar en programas de puntos y realizar compras internacionales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Despu\u00e9s de la aprobaci\u00f3n, tendr\u00e1 una tarjeta asociada al banco Bradesco con exenci\u00f3n de prueba de ingresos, adem\u00e1s, tendr\u00e1 algunas opciones de ibicard para elegir, entre ellas, la ibicard F\u00e1cil, adecuada para aquellos que son negativos y necesitan para pagar en modo cr\u00e9dito servicios de streaming, apps de comida u otros pagos mensuales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta forma, podr\u00e1s pagar tus compras hasta en 12 cuotas, usar las marcas de cr\u00e9dito con normalidad e incluso pagar las tasas m\u00e1s bajas entre las tarjetas del mismo perfil, adem\u00e1s, tambi\u00e9n est\u00e1 la ventaja de la cuenta F\u00e1cil, que permite el pago de luz de agua hasta 3x, beneficios que solo puedes encontrar ordenando.<\/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 elegir entre la tarjeta Ibicard o la tarjeta Crefisa, considera cu\u00e1l ser\u00eda la ideal para tu momento econ\u00f3mico, por ejemplo, luego sigue leyendo y ver\u00e1s la comparativa.<\/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 otro lado, hay posibilidades de que la tarjeta Crefisa se lance para personas con puntaje bajo, pero el enfoque es otro: esta opci\u00f3n es ideal para los clientes de la marca, que pueden hacer pr\u00e9stamos o transferir montos y mover la cuenta de d\u00e9bito. con esa cantidad disponible.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En resumen, recargas tu tarjeta como puedes, preferiblemente tomando un pr\u00e9stamo y procediendo con tus transacciones financieras. De todos modos, tiene marca Mastercard, permite compras en efectivo y no cobra anualidad. Adem\u00e1s, la tarjeta Crefisa se puede solicitar a trav\u00e9s de la web, as\u00ed como las modalidades de pr\u00e9stamo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Inmediatamente despu\u00e9s de realizada la solicitud, hay que esperar la aprobaci\u00f3n y abrir una cuenta Crefisa, luego, mover el dinero como una cuenta bancaria normal: realizar transferencias, n\u00f3minas, realizar portabilidades salariales y armar un historial financiero con la empresa, ya que esto te puede ayudar en la aprobaci\u00f3n de pr\u00e9stamos personales o de n\u00f3mina.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, eval\u00faa estos puntos si eres negativo y necesitas decidirte entre la tarjeta Ibicard o la tarjeta Crefisa: ambas se pueden liberar a los que tienen un nombre sucio, pero solo una puede proporcionar un l\u00edmite de cr\u00e9dito preaprobado, cuotas y otras transacciones inherentes. a las tarjetas 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=\"3-quais-as-vantagens-do-cart%C3%A3o-ibicard-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta Ibicard?<\/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 Ibicard n\u00e3o exige comprova\u00e7\u00e3o de renda. Fonte: Ibicard.\"  id=\"20884\" src=\"https:\/\/ucarecdn.com\/cb042d15-115b-4b75-af90-49cba2b5607f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La tarjeta Ibicard no requiere acreditaci\u00f3n de ingresos. Fuente: Ibicard.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s de la posibilidad de acceder a cuentas negativas, Ibicard tiene una cuota anual baja y est\u00e1 asociada a un banco con varias ventajas, como Bradesco, por lo tanto, ser\u00e1 como ser cliente de Bradesco y aprovechar sus instalaciones. Adem\u00e1s, vea otras ventajas a continuaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Aprobaci\u00f3n por negativa con ingresos preestablecidos;<\/li><li>Tipos de tarjeta a elegir seg\u00fan el perfil financiero;<\/li><li>Anualidad baja;<\/li><li>Plazos disponibles e incluso recibos de pago, como agua y luz a plazos;<\/li><li>Acumule puntos en las compras;<\/li><li>Mu\u00e9vete y realiza retiros en sucursales o en la aplicaci\u00f3n Bradesco.<\/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><!--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=\"Empr\u00e9stimo para negativado e conta gratuita. Fonte: Crefisa.\"  id=\"21917\" src=\"https:\/\/ucarecdn.com\/31bc40cf-1152-4c16-b2e7-caec573cebb7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pr\u00e9stamo por cuenta negativa y libre. Fuente: Crefisa.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mucho que parezca dirigida a un solo p\u00fablico, la tarjeta Crefisa puede ser la salida para aquellos que est\u00e1n muy endeudados y necesitan pagar algunas facturas con tarjeta de d\u00e9bito, ya que, por ejemplo, algunas compras por internet no se realizan. utilizando recibos bancarios. As\u00ed que echa un vistazo a m\u00e1s ventajas a continuaci\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>Agente Crefisa: recomienda amigos y gana 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-ibicard-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta Ibicard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s de los beneficios, hay que mencionar las desventajas de esta tarjeta, entre ellas la anualidad que cobra una cantidad cada mes independientemente de si utilizas o no el l\u00edmite para realizar compras o pagos. Adem\u00e1s, tambi\u00e9n existen comisiones por retiros, que alcanzan los 7.90% y comisiones por cuotas, que pueden llegar a los 4.90%.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, no es posible aplicar en l\u00ednea, solo en una tienda Ibi o en el mismo banco Bradesco, por ejemplo. Por seguridad, la informaci\u00f3n tambi\u00e9n que el l\u00edmite de cr\u00e9dito lo determina un dep\u00f3sito que se hace en la cuenta, por lo que aparece un l\u00edmite preaprobado, es decir, se debe mover la cuenta para que haya posibilidades de aprobaci\u00f3n y uso.<\/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-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>Si bien la tarjeta Crefisa hace la vida m\u00e1s f\u00e1cil a quienes buscan un pr\u00e9stamo en un momento de dificultades financieras, tampoco tiene muchas caracter\u00edsticas atractivas para solicitar la tarjeta. Adem\u00e1s, no poder usarlo en compras a cr\u00e9dito no soluciona el problema.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, quedan excluidas las cuotas, la participaci\u00f3n en programas de puntos de marca y otras ventajas. Adem\u00e1s, existen comisiones por retiros de efectivo y solo puedes usar tu cuenta Crefisa tomando un pr\u00e9stamo, transfiriendo tu salario o transfiriendo montos para compras.<\/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-ibicard-ou-cart%C3%A3o-crefisa-qual-escolher-\"><strong>Tarjeta Ibicard o tarjeta Crefisa: \u00bfcu\u00e1l elegir?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, aunque aparezcan inconvenientes, las dos opciones son excelentes para aquellos que son negativos y necesitan realizar sue\u00f1os, saldar deudas o evolucionar econ\u00f3micamente. En ese sentido, vale la pena, a menos que necesite un l\u00edmite preaprobado m\u00e1s que una cantidad disponible a trav\u00e9s de un pr\u00e9stamo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, la decisi\u00f3n es m\u00e1s f\u00e1cil a la hora de elegir entre la tarjeta Ibicard o la tarjeta Crefisa, pero si la duda persiste, no te preocupes: nuestro equipo ha preparado otra comparativa para tu perfil que puede ayudarte a volver a tener cr\u00e9dito, o simplemente pagar Netflix, Spotify o aplicaciones de comida y paseo. \u00a1Sigue con nosotros!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZyDsF3\">\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-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta Ourocard Universit\u00e1rio o Tarjeta Access\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/02a91394-46a7-4c0b-8e60-d1a0844ba966\/\" 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-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta Ourocard Universit\u00e1rio o Tarjeta Access\">\n            Tarjeta Ourocard Universit\u00e1rio o Tarjeta Access        <\/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            Entre una tarjeta para estudiantes y otra para negativos, \u00bfcu\u00e1l encajar\u00eda mejor con tu perfil? La primera opci\u00f3n libera l\u00edmite sin prueba de ingresos. \u00a1Sepa mas!        <\/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-ourocard-universitario-ou-cartao-acesso\/\"  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 ? 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Sin embargo, comenzaron a aparecer opciones que llegan a este p\u00fablico. Por tanto, dec\u00eddete entre la tarjeta Ibicard y la tarjeta Crefisa. \u00a1Dos opciones de tarjetas ideales para ti!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[275,498,198,445,265,296],"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 Ibicard ou Cart\u00e3o Crefisa: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decida entre o cart\u00e3o Ibicard ou cart\u00e3o Crefisa e conhe\u00e7a op\u00e7\u00f5es que podem ser ideais para os negativados. 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