{"id":24980,"date":"2021-07-10T23:00:00","date_gmt":"2021-07-10T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=24980"},"modified":"2021-07-08T18:36:35","modified_gmt":"2021-07-08T18:36:35","slug":"cartao-saraiva-ou-cartao-bbb","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/cartao-saraiva-ou-cartao-bbb\/","title":{"rendered":"Carte Saraiva ou carte BBB : quelle est la meilleure ?"},"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-saraiva-x-bbb-descubra-qual-escolher-\">Saraiva x BBB: descubra qual escolher<strong><\/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 Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Brazilian Business Bank.\"  id=\"24996\" src=\"https:\/\/ucarecdn.com\/acae5f9f-a0cc-4721-92d1-dbb3d27c893a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Brazilian Business Bank.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Est\u00e1 em d\u00favida se deve escolher entre o cart\u00e3o Saraiva ou cart\u00e3o BBB? Continue a leitura e descubra todas as vantagens e desvantagens de cada um. Assim, ficar\u00e1 mais f\u00e1cil decidir!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ambos os cart\u00f5es s\u00e3o op\u00e7\u00f5es bastante atraentes para quem busca um cart\u00e3o de cr\u00e9dito internacional. Com eles, fica muito mais pr\u00e1tico fazer compras no Brasil e ao redor do mundo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Embora cada um apresente diversas vantagens aos seus clientes, eles possuem caracter\u00edsticas exclusivas. O cart\u00e3o Saraiva n\u00e3o tem anuidade e conta com programas de pontos, como o Saraiva Plus. J\u00e1 o cart\u00e3o BBB n\u00e3o realiza an\u00e1lise de cr\u00e9dito, sendo uma \u00f3tima op\u00e7\u00e3o para quem est\u00e1 negativado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Quer saber mais informa\u00e7\u00f5es sobre os cart\u00f5es e escolher o melhor para voc\u00ea? Veja a seguir sobre cada um deles e compare!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZpoaaT\">\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\/fr\/como-solicitar-o-cartao-saraiva\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Saraiva?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/2190412c-c247-40fa-b73b-57beafacf9af\/\" 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\/fr\/como-solicitar-o-cartao-saraiva\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Saraiva?\">\n            Como solicitar o cart\u00e3o Saraiva?        <\/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            Descubra agora tudo o que voc\u00ea precisa saber para solicitar o cart\u00e3o de cr\u00e9dito Saraiva. Siga o passo a passo para fazer a solicita\u00e7\u00e3o do seu cart\u00e3o.        <\/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\/fr\/como-solicitar-o-cartao-saraiva\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <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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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\/fr\/como-solicitar-cartao-bbb\/\"  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\/c1ac1c6c-07bb-4aa9-8ddb-c50f7b25e92e\/\">          \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                Como solicitar o cart\u00e3o BBB?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-cartao-bbb\/\"  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                    Continue de lire                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Vous resterez sur le m\u00eame site              <\/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>Saraiva<\/strong><strong><\/strong><\/td><td><strong>BBB<\/strong><strong><\/strong><\/td><\/tr><tr><td><strong>Revenu minimum&nbsp;<\/strong><strong><\/strong><\/td><td>Non requis<\/td><td>Non requis<\/td><\/tr><tr><td><strong>Rente<\/strong><strong><\/strong><\/td><td>Gratuit<\/td><td>R$ 7,00 par mois<\/td><\/tr><tr><td><strong>Drapeau<\/strong><strong><\/strong><\/td><td>Visa<\/td><td>Visa ou Mastercard<\/td><\/tr><tr><td><strong>Toit<\/strong><strong><\/strong><\/td><td>International<\/td><td>International<\/td><\/tr><tr><td><strong>Avantages&nbsp;<\/strong><strong><\/strong><\/td><td>Saraiva Plus, Milhas A\u00e9reas<\/td><td>Aucune analyse de cr\u00e9dit<\/td><\/tr><\/tbody><\/table><\/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-saraiva-\"><strong>Cart\u00e3o Saraiva<\/strong><strong><\/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 Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Konta Azul.\"  id=\"24992\" src=\"https:\/\/ucarecdn.com\/89d84109-d17a-45e6-aa4b-8fd3e2439b6b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Konta Azul.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Saraiva \u00e9 um cart\u00e3o de cr\u00e9dito internacional, perfeito para quem busca uma forma pr\u00e1tica de fazer suas compras no Brasil e no exterior. Al\u00e9m disso, a bandeira Visa permite que o usu\u00e1rio participe de seus programas de benef\u00edcios, como o Vai de Visa. Continue a leitura e conhe\u00e7a todas as vantagens do cart\u00e3o!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Saraiva foi criado em parceria com o Banco do Brasil. Por isso, \u00e9 uma op\u00e7\u00e3o segura e interessante de cart\u00e3o dispon\u00edvel no mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para solicitar o cart\u00e3o Saraiva n\u00e3o \u00e9 necess\u00e1rio comprovar renda, mas ainda assim \u00e9 preciso passar por uma an\u00e1lise de cr\u00e9dito para ser aprovado. A an\u00e1lise \u00e9 feita pelo pr\u00f3prio Banco do Brasil, que tamb\u00e9m ir\u00e1 definir qual ser\u00e1 o limite do seu cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Saraiva conta com diversas vantagens e ofertas para seus usu\u00e1rios. Descubra mais vantagens abaixo e saiba se \u00e9 a melhor op\u00e7\u00e3o para sua vida financeira!<\/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-bbb-\"><strong>Cart\u00e3o BBB<\/strong><strong><\/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 Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Van Duarte.\"  id=\"24994\" src=\"https:\/\/ucarecdn.com\/33ae509b-6736-4a18-b528-5f9b71db361a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Van Duarte.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Brazilian Business Bank \u00e9 um cart\u00e3o de cr\u00e9dito internacional pr\u00e9-pago cheio de vantagens para quem busca novas oportunidades. Dessa forma, o cliente pode fazer compras de forma descomplicada no Brasil e no exterior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o usu\u00e1rio pode escolher a bandeira do seu cart\u00e3o: Visa ou Mastercard. Ambas s\u00e3o \u00f3timas op\u00e7\u00f5es, pois s\u00e3o aceitas na maioria dos estabelecimentos em todo o territ\u00f3rio brasileiro e o cliente ainda pode desfrutar dos diversos descontos em lojas parceiras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, para solicitar o cart\u00e3o BBB n\u00e3o \u00e9 necess\u00e1rio comprovar renda e n\u00e3o \u00e9 feita an\u00e1lise de cr\u00e9ditos, sendo ideal para negativados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, por ser um cart\u00e3o pr\u00e9-pago, \u00e9 necess\u00e1rio fazer uma recarga antes de poder utiliz\u00e1-lo. Assim, n\u00e3o \u00e9 poss\u00edvel fazer compras parceladas, como em um cart\u00e3o de cr\u00e9dito tradicional.<\/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-saraiva-\"><strong>Quais as vantagens do cart\u00e3o Saraiva?<\/strong><strong><\/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 Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Foregon.\"  id=\"24995\" src=\"https:\/\/ucarecdn.com\/e3b7bbac-275d-4064-8628-63c9fd3dc0f7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Saraiva ou Cart\u00e3o BBB: descubra qual escolher. Fonte: Foregon.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Saraiva conta com diversas vantagens, o que o torna um cart\u00e3o de cr\u00e9dito bastante atrativo. Confira abaixo seus benef\u00edcios!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bom, um dos principais pontos positivos do cart\u00e3o \u00e9 que n\u00e3o h\u00e1 taxa de anuidade \u2013 cobrada pela maioria dos cart\u00f5es de cr\u00e9dito convencionais. Al\u00e9m disso, n\u00e3o h\u00e1 nenhuma taxa de ades\u00e3o ou tarifa de manuten\u00e7\u00e3o. Uma vantagem incr\u00edvel, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o cart\u00e3o Saraiva oferece ofertas imperd\u00edveis aos seus clientes. Com ele, \u00e9 poss\u00edvel acumular pontos no programa Saraiva Plus e troc\u00e1-los por descontos nas lojas Saraiva.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, voc\u00ea tamb\u00e9m pode juntar pontos e convert\u00ea-los em milhas a\u00e9reas. Esse programa de benef\u00edcio \u00e9 vinculado \u00e0 bandeira Visa, ideal para quem gosta de viajar!<\/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-bbb-\"><strong>Quais as vantagens do cart\u00e3o BBB?<\/strong><strong><\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, que tal conhecer mais vantagens sobre o cart\u00e3o BBB? Leia a seguir e descubra se est\u00e1 tomando a decis\u00e3o certa para voc\u00ea!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bom, um dos principais pontos positivos do cart\u00e3o \u00e9 que n\u00e3o h\u00e1 consulta de CPF no Serasa ou SPC. Dessa forma, mesmo que esteja com o nome sujo, voc\u00ea pode adquirir o cart\u00e3o BBB.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, \u00e9 poss\u00edvel fazer uma solicita\u00e7\u00e3o de cr\u00e9dito pessoal, que pode variar de R$ 3.500 at\u00e9 R$30.000, inclusive para quem est\u00e1 negativado. Mas fique ligado: esse valor \u00e9 como um empr\u00e9stimo, n\u00e3o \u00e9 cr\u00e9dito no cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, por ser um cart\u00e3o pr\u00e9-pago, ser\u00e1 mais f\u00e1cil controlar suas finan\u00e7as. Isso porque \u00e9 preciso recarreg\u00e1-lo antes de usar. Assim, voc\u00ea s\u00f3 pode utiliz\u00e1-lo se houver saldo dispon\u00edvel na conta. Dessa forma, voc\u00ea nunca ir\u00e1 ficar com saldo negativo e vai evitar gastos desnecess\u00e1rios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora que j\u00e1 conhece todas as vantagens dos dois cart\u00f5es, vamos falar sobre seus pontos desfavor\u00e1veis. Assim, voc\u00ea poder\u00e1 fazer sua escolha com todas as informa\u00e7\u00f5es na m\u00e3o!<\/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-saraiva-\"><strong>Quais as desvantagens do cart\u00e3o Saraiva?<\/strong><strong><\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora que voc\u00ea j\u00e1 conhece todas as vantagens dos cart\u00f5es, vamos falar sobre seus pontos negativos. Assim, voc\u00ea ter\u00e1 certeza de estar tomando a decis\u00e3o certa. Vamos l\u00e1?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bom, uma das desvantagens do cart\u00e3o Saraiva \u00e9 a an\u00e1lise de cr\u00e9dito. Por isso, caso seu score n\u00e3o seja alto, pode ser que o cart\u00e3o n\u00e3o seja aprovado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, por estar vinculado ao Banco do Brasil, o processo se torna um pouco mais burocr\u00e1tico para quem n\u00e3o \u00e9 correntista. Por exemplo, o cliente do banco pode desbloquear seu cart\u00e3o pela internet, mas quem n\u00e3o \u00e9 correntista precisa ir at\u00e9 um caixa eletr\u00f4nico para desbloque\u00e1-lo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, muitas das ofertas e dos descontos oferecidos pelo cart\u00e3o s\u00e3o para produtos da pr\u00f3pria Saraiva. Assim, eles ser\u00e3o melhor aproveitados por quem costuma comprar nas lojas Saraiva.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, fique ligado em todas as caracter\u00edsticas do cart\u00e3o e avalie se ele se encaixa na sua vida financeira!<\/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-bbb-\"><strong>Quais as desvantagens do cart\u00e3o BBB?<\/strong><strong><\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Certo, agora est\u00e1 na hora de conhecer sobre as desvantagens do cart\u00e3o BBB. Confira a seguir!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bom, o cart\u00e3o de cr\u00e9dito pr\u00e9-pago n\u00e3o \u00e9 o mais indicado para quem quer fazer compras parceladas. Embora seja bom para o controle das finan\u00e7as, voc\u00ea s\u00f3 pode utiliz\u00e1-lo ap\u00f3s fazer a recarga. Ademais, a tarifa de recarga \u00e9 de R$ 3,25. Assim, \u00e9 preciso planejamento para evitar despesas extras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, um dos pontos negativos do cart\u00e3o \u00e9 que h\u00e1 cobran\u00e7a de algumas taxas para utilizar suas fun\u00e7\u00f5es. Por isso, fique atento para n\u00e3o ter nenhuma surpresa! Por exemplo, para a ades\u00e3o e envio do cart\u00e3o ser\u00e1 cobrada uma taxa de R$ 44,99. Al\u00e9m desse valor, \u00e9 preciso pagar uma mensalidade de R$ 7,00.<\/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-saraiva-ou-cart%C3%A3o-bbb-qual-escolher-\"><strong>Cart\u00e3o Saraiva ou Cart\u00e3o BBB: qual escolher?<\/strong><strong><\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Agora que j\u00e1 conhece tudo sobre cada produto, ficou mais f\u00e1cil escolher, n\u00e3o \u00e9 mesmo? Analise sua situa\u00e7\u00e3o financeira e tome sua decis\u00e3o: cart\u00e3o Saraiva ou cart\u00e3o BBB?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, ambos os cart\u00f5es de cr\u00e9dito s\u00e3o internacionais, mas cada um conta com suas particularidades que ir\u00e3o se adequar \u00e0 sua vida financeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Saraiva n\u00e3o possui taxa de anuidade. Ademais, oferece diversos descontos e ofertas por meio de seus programas de benef\u00edcios, como o Saraiva Plus e as milhas a\u00e9reas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1 o cart\u00e3o BBB n\u00e3o realiza an\u00e1lise de CPF, sendo perfeito para quem est\u00e1 com o nome sujo. Al\u00e9m disso, oferece cr\u00e9dito pessoal aos seus clientes, inclusive aos negativados. \u00c9 ou n\u00e3o \u00e9 uma oportunidade incr\u00edvel?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, conhecendo todas as suas caracter\u00edsticas, escolha qual \u00e9 a melhor op\u00e7\u00e3o para voc\u00ea e sua vida financeira. Ainda est\u00e1 em d\u00favida sobre qual cart\u00e3o escolher? N\u00e3o tem problema! Leia nossa compara\u00e7\u00e3o abaixo e descubra novos cart\u00f5es!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2dKqd0\">\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\/fr\/cartao-saraiva-ou-cartao-pan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Carte Saraiva ou carte Pan ?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/69eaff30-829c-4194-96dd-614d9104bda4\/\" 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\/fr\/cartao-saraiva-ou-cartao-pan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Carte Saraiva ou carte Pan ?\">\n            Carte Saraiva ou carte Pan ?        <\/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            Que ce soit la carte Saraiva ou la carte Pan, toutes deux sont exon\u00e9r\u00e9es de taxes annuelles et arborent un drapeau international. D\u00e9couvrez plus d\u2019informations \u00e0 leur sujet ici\u00a0!        <\/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\/fr\/cartao-saraiva-ou-cartao-pan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <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\/fr\/cartao-saraiva-ou-cartao-pan\/\"  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                    Continue de lire                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Vous resterez sur le m\u00eame site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Qu&#039;il s&#039;agisse de la Saraiva Card ou de la BBB Card, toutes deux sont des cartes de cr\u00e9dit internationales, qui offrent plusieurs avantages \u00e0 leurs clients. V\u00e9rifier!<\/p>","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25,29,19],"tags":[566,431,287,465,425,285],"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 Saraiva ou Cart\u00e3o BBB: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Seja o Cart\u00e3o Saraiva ou Cart\u00e3o BBB, ambos s\u00e3o cart\u00f5es de cr\u00e9dito internacionais, que oferecem v\u00e1rias vantagens aos seus clientes. 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