{"id":41142,"date":"2021-11-15T12:00:00","date_gmt":"2021-11-15T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=41142"},"modified":"2021-11-15T10:27:55","modified_gmt":"2021-11-15T10:27:55","slug":"afinz-ou-pagbank","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/afinz-ou-pagbank\/","title":{"rendered":"Tarjeta Afinz o Tarjeta PagBank: \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-afinz-x-pagbank-descubra-qual-escolher\">Afinz x PagBank: 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=\"Mas, afinal, qual \u00e9 o melhor cart\u00e3o entre o Afinz ou o PagBank? Fonte: Pexels.\"  id=\"41143\" src=\"https:\/\/cdn.adtechpanda.com\/434c2666-3b5f-4dfa-83b1-6b3d8a196a80\/\" 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\u00e1l es la mejor tarjeta entre Afinz o PagBank? 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>Inicialmente, \u00bfsabr\u00edas cu\u00e1l es mejor entre la tarjeta Afinz o la tarjeta PagBank? Vale la pena recordar que ambos tienen bandera Visa y cobertura internacional, pero tambi\u00e9n tienen diferencias. Por ello, es ideal analizar las caracter\u00edsticas, ventajas y desventajas de estos productos financieros. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ante esto, hoy traemos esta comparativa para que elijas la que se adapta a tus necesidades. As\u00ed que sigue leyendo y consulta toda la informaci\u00f3n. \u00a1Vamos all\u00e1!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-15zSeh\">\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-afinz\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Afinz\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/fc0ca315-b6d0-4998-bb04-72d47b840376\/\" 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-afinz\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Afinz\">\n            C\u00f3mo solicitar la tarjeta Afinz        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00bfQuieres saber c\u00f3mo solicitar la tarjeta Afinz que tiene los programas Voc\u00ea Bem y Vai de Visa? \u00a1As\u00ed que lee este post y compru\u00e9balo!        <\/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-afinz\/\"  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-afinz\/\"  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\/fc0ca315-b6d0-4998-bb04-72d47b840376\/\">          \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 Afinz              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-afinz\/\"  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-ZE5NIB\">\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-pagbank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta PagBank\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a983d288-d521-4e83-9d3d-4156367b2640\/\" 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-pagbank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta PagBank\">\n            C\u00f3mo solicitar la tarjeta PagBank        <\/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 PagBank tiene grandes ventajas, inf\u00f3rmate ahora mismo de c\u00f3mo solicitarla sin burocracia.\n\n        <\/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-pagbank\/\"  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-pagbank\/\"  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\/a983d288-d521-4e83-9d3d-4156367b2640\/\">          \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 PagBank              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-pagbank\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio web.              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Tarjeta Afinz<\/strong><\/td><td><strong>tarjeta de pago<\/strong><\/td><\/tr><tr><td><strong>Renta M\u00ednima<\/strong><\/td><td>no informado<\/td><td>no informado<\/td><\/tr><tr><td><strong>Anualidad<\/strong><\/td><td>R$ 227.88<\/td><td>Eximir<\/td><\/tr><tr><td><strong>Bandera<\/strong><\/td><td>Visa<\/td><td>Visa<\/td><\/tr><tr><td><strong>Techo<\/strong><\/td><td>Internacional<\/td><td>Internacional<\/td><\/tr><tr><td><strong>Beneficios<\/strong><\/td><td>Hasta 40 d\u00edas para pagar<br>Tarjetas adicionales con descuento de cuota anual 50%<br>tu bien programa<\/td><td>Sistema de pago de aproximaci\u00f3n<br>Programa Go Visa<br>Retiros en la red de Banco24Horas<\/td><\/tr><\/tbody><\/table><figcaption>Pero, al fin y al cabo, \u00bfcu\u00e1les son las caracter\u00edsticas de estas tarjetas?<\/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-afinz\">Tarjeta Afinz<\/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, como funciona o cart\u00e3o Afinz? Fonte: Afinz.\"  id=\"41145\" src=\"https:\/\/cdn.adtechpanda.com\/264dabf4-fad8-471c-8bce-47b1c62a3575\/\" 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, \u00bfc\u00f3mo funciona la tarjeta Afinz? Fuente: Afinz.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al igual que otras tarjetas del mercado, la tarjeta de cr\u00e9dito Afinz b\u00e1sicamente funciona de la misma manera, porque la usas durante el mes y, al final, se emite una factura. Adem\u00e1s, existe un l\u00edmite que se preestablece de acuerdo a un an\u00e1lisis de cr\u00e9dito y de acuerdo al uso que le des a tu tarjeta, el l\u00edmite se puede incrementar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como mencionamos, Afinz realiza el an\u00e1lisis crediticio para aprobar la tarjeta, as\u00ed como para brindar el valor l\u00edmite, por lo que si tienes restricciones en tu CPF, puede que no sea una buena alternativa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por eso, te recomendamos que consultes tu CPF en las agencias de cr\u00e9dito y, de ser posible, limpies tu nombre. As\u00ed como realizar el pago de facturas vencidas o probar un plan de cuotas para ir pagando poco a poco y, de esta forma, ordenar tu tarjeta en el tiempo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por otro lado, si tienes un puntaje crediticio alto y tu nombre no est\u00e1 restringido durante el an\u00e1lisis de cr\u00e9dito, se establecer\u00e1 el l\u00edmite y podr\u00e1s comenzar a usar la tarjeta que tenga la bandera internacional de Visa, as\u00ed como descuentos con socios y cuotas diferenciadas. .<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y, adem\u00e1s, obtienes 50% de descuento en la cuota anual de las tarjetas adicionales que solicites y hasta 40 d\u00edas para pagar tus compras. Entonces, sigue leyendo para saber a\u00fan m\u00e1s sobre las caracter\u00edsticas y beneficios de tener una tarjeta Afinz.<\/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-pagbank\">tarjeta de pago<\/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, como funciona o cart\u00e3o PagBank? Fonte: PagBank.\"  id=\"41147\" src=\"https:\/\/cdn.adtechpanda.com\/d433bf61-174d-4f93-b233-529a7dbc0d44\/\" 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, \u00bfc\u00f3mo funciona la tarjeta PagBank? Fuente: PagBank.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, la tarjeta PagBank es una tarjeta de cr\u00e9dito que tiene la bandera internacional Visa con una aplicaci\u00f3n para el control de gastos y al final del mes de uso se pone a disposici\u00f3n una factura. Adem\u00e1s, podr\u00e1s utilizarlo para realizar compras al contado ya plazos en miles de establecimientos acreditados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, est\u00e1 exenta de anualidad o cuota mensual. Y PagBank limita un l\u00edmite de tarjeta de cr\u00e9dito inicial y, a medida que lo use a lo largo de los meses para realizar compras, el l\u00edmite aumentar\u00e1. Es importante recordar que este ajuste suele demorar al menos tres meses en la mayor\u00eda de las instituciones financieras.<\/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-afinz\">\u00bfCu\u00e1les son las ventajas de la tarjeta Afinz?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfTe imaginas ser usuario de una tarjeta de cr\u00e9dito que te ayude a obtener descuentos en citas m\u00e9dicas, ex\u00e1menes, medicamentos y hasta cursos en l\u00ednea? Esta es la gran ventaja de la tarjeta Afinz.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esto se debe a que con el Programa Voc\u00ea Bem es posible obtener descuentos en medicamentos, consultas y ex\u00e1menes, as\u00ed como en servicios odontol\u00f3gicos y hasta 80% de descuento en la plataforma de cursos en l\u00ednea INove. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y, adem\u00e1s, puedes utilizar tu tarjeta sin tener que introducirla en la m\u00e1quina, solo ac\u00e9rcala con la ayuda de la tecnolog\u00eda de proximidad, as\u00ed como con la aplicaci\u00f3n Afinz podr\u00e1s controlar todos tus gastos y tener una vida financiera m\u00e1s estable.<\/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=\"4-quais-as-vantagens-do-cart%C3%A3o-pagbank\">\u00bfCu\u00e1les son las ventajas de la tarjeta PagBank?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En primer lugar, PagBank no tiene anualidad ni cuota mensual para que accedas a los servicios de tarjetas de cr\u00e9dito, es decir, no tienes que preocuparte por esa cuota anual que muchas veces es responsable del endeudamiento de varios usuarios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De la misma manera, la tarjeta de cr\u00e9dito PagBank tiene cobertura internacional, es decir, en el territorio nacional o no, puedes hacer uso de la tarjeta, as\u00ed como realizar compras en comercios aliados de Visa, que es la bandera de esta tarjeta, adem\u00e1s de aprovechando el Vai de Visa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entre otras ventajas, la tarjeta cuenta con pago de aproximaci\u00f3n, haciendo tus compras m\u00e1s sencillas, seguras y r\u00e1pidas. Adem\u00e1s, es posible retirar hasta 20% del l\u00edmite de cr\u00e9dito en los cajeros de Banco24Horas, pero ten en cuenta que esta operaci\u00f3n tiene un coste.<\/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=\"5-quais-as-desvantagens-do-cart%C3%A3o-afinz\">\u00bfCu\u00e1les son las desventajas de la tarjeta Afinz?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A pesar de ser un producto financiero muy interesante, la tarjeta Afinz tiene algunas desventajas. Empezando por el an\u00e1lisis crediticio, que suele ser muy riguroso, porque la instituci\u00f3n consulta el nombre del usuario y el CPF en las agencias de cr\u00e9dito en busca de posibles irregularidades. Si se encuentra, es probable que se deniegue la solicitud.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, tambi\u00e9n hay un cargo de anualidad por un monto de R$ 227.88. Por supuesto, pagar esta cantidad anualmente significa tener acceso a servicios de calidad, pero no deja de ser un costo adicional adem\u00e1s de los gastos mensuales de la tarjeta 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=\"6-quais-as-desvantagens-do-cart%C3%A3o-pagbank\">\u00bfCu\u00e1les son las desventajas de la tarjeta PagBank?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entre las desventajas de la tarjeta PagBank se encuentran la tarifa de retiro de R$29.99, as\u00ed como el inter\u00e9s revolvente que puede alcanzar hasta 10.99% por mes. Eso es porque hay otras tarjetas en el mercado que no cobran por los retiros y tienen una tasa de inter\u00e9s m\u00e1s baja.<\/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-afinz-ou-cart%C3%A3o-pagbank-qual-escolher\">Tarjeta Afinz o Tarjeta PagBank: \u00bfcu\u00e1l elegir?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, ahora que conoces las caracter\u00edsticas de la tarjeta Afinz o tarjeta PagBank, se vuelve m\u00e1s f\u00e1cil saber cu\u00e1l es la mejor alternativa para ti.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cabe se\u00f1alar que ambos tienen bandera internacional de Visa, pero se distinguen por sus ventajas. Por ello, es importante analizar muy bien qu\u00e9 presenta cada uno de ellos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero si a\u00fan tienes dudas, no te preocupes. Entonces, haga clic en el contenido recomendado a continuaci\u00f3n y vea otra comparaci\u00f3n de tarjetas.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZF8K10\">\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-pagseguro-ou-cartao-pagbank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta PagSeguro o tarjeta PagBank: \u00bfcu\u00e1l es mejor?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/d693ff61-eb1e-44ac-a3a5-c141f356eb8e\/\" 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-pagseguro-ou-cartao-pagbank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Tarjeta PagSeguro o tarjeta PagBank: \u00bfcu\u00e1l es mejor?\">\n            Tarjeta PagSeguro o tarjeta PagBank: \u00bfcu\u00e1l es mejor?        <\/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            Decidir entre una tarjeta PagSeguro o una tarjeta PagBank es dif\u00edcil. Sin embargo, al comparar cr\u00e9ditos, \u00a1se vuelve m\u00e1s f\u00e1cil pedir el modelo ideal para usted! \u00a1Compru\u00e9balo aqu\u00ed!\n\n        <\/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-pagseguro-ou-cartao-pagbank\/\"  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-pagseguro-ou-cartao-pagbank\/\"  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>Decidir entre la tarjeta Afinz o la tarjeta PagBank no es f\u00e1cil. Esto se debe a que ambos cuentan con bandera Visa, cobertura internacional y condiciones exclusivas para clientes. \u00a1As\u00ed que echa un vistazo a nuestra comparaci\u00f3n y descubre m\u00e1s!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[790,2169,283,791,1532],"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 Afinz ou Cart\u00e3o PagBank: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decidir entre o cart\u00e3o Afinz ou cart\u00e3o PagBank n\u00e3o \u00e9 f\u00e1cil. Mas, ao comparar os cart\u00f5es, torna-se mais f\u00e1cil solicitar o modelo ideal. 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