{"id":27069,"date":"2021-08-04T23:00:00","date_gmt":"2021-08-04T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=27069"},"modified":"2021-08-16T16:57:00","modified_gmt":"2021-08-16T16:57:00","slug":"cartao-havan-ou-cartao-ton-qual-escolher","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/cartao-havan-ou-cartao-ton-qual-escolher\/","title":{"rendered":"Havan Card ou Ton Card : laquelle choisir ?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-havan-x-ton-descubra-qual-escolher\">Havan x Ton: descubra qual escolher<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Havan ou Cart\u00e3o Ton. Fonte: Pexels.\"  id=\"27136\" src=\"https:\/\/ucarecdn.com\/ea485a10-bd9e-47b2-9b5f-2d04d0e8285d\/\" 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 Havan ou Cart\u00e3o Ton. Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, afinal, cart\u00e3o Havan ou cart\u00e3o Ton? Antes de mais nada, o cart\u00e3o Havan veio para potencializar ainda mais o n\u00famero de clientes da empresa, que possui mais de 160 lojas no pa\u00eds. Pensado para oferecer descontos e \u00f3timas oportunidades de parcelamento, \u00e9 um cart\u00e3o sem bandeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em seguida, temos o cart\u00e3o pr\u00e9-pago Ton, que \u00e9 ideal para negativados que precisam atrelar alguma despesa num cart\u00e3o de cr\u00e9dito.&nbsp; Isso porque, por mais que pare\u00e7a \u00f3timo, \u00e9 voc\u00ea quem define o limite de cr\u00e9dito na medida em que carrega o cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, muitas pessoas come\u00e7am com as d\u00favidas neste momento, se preferem um limite focado e definido pela loja, ou se querem mais liberdade com um cart\u00e3o de cr\u00e9dito liberado para negativados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Com essas possibilidades, vamos te ajudar na d\u00favida entre o cart\u00e3o Havan ou cart\u00e3o Ton, que s\u00e3o indicados para perfis diferentes, mesmo assim, conseguem atender a mesma pessoa, se for necess\u00e1rio. Siga conosco e entenda!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-3A3w5\">\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-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Havan\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Havan\">\n            Comment demander la carte Havan        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Pe\u00e7a sem sair de casa um cart\u00e3o que oferece descontos em muitos produtos e parcelamentos longos sem juros.        <\/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-havan\/\"  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? 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-o-cartao-havan\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Comment demander la carte Havan              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    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=\"wp-block-lazyblock-cta lazyblock-cta-p4qO\">\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-ton\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Ton\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/d1e125ea-b01e-4eda-9e07-c2fb97cfbbed\/\" 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-ton\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Ton\">\n            Comment demander la carte Ton        <\/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            Esta novidade do mercado financeiro vai te surpreender com as facilidades. Tenha um cart\u00e3o pr\u00e9-pago perfeito para negativados. Saiba mais!        <\/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-ton\/\"  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? 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-o-cartao-ton\/\"  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\/d1e125ea-b01e-4eda-9e07-c2fb97cfbbed\/\">          \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                Comment demander la carte Ton              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-ton\/\"  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><strong>&nbsp;<\/strong><\/td><td><strong>Cart\u00e3o Havan<\/strong><\/td><td><strong>Cart\u00e3o Ton<\/strong><\/td><\/tr><tr><td><strong>Revenu minimum<\/strong><\/td><td>R$ 800,00<\/td><td>Pas inform\u00e9<\/td><\/tr><tr><td><strong>Rente<\/strong><\/td><td>Exempter<\/td><td>Exempter<\/td><\/tr><tr><td><strong>Drapeau<\/strong><\/td><td>N\u00e3o possui<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Toit<\/strong><\/td><td>National<\/td><td>International<\/td><\/tr><tr><td><strong>Avantages<\/strong><\/td><td>Desconto em compras 40 dias para pagar a primeira parcela; <br>Parcelamento em at\u00e9 10x sem juros; <br>Taxa de ades\u00e3o gr\u00e1tis.<\/td><td>Sem taxa de ades\u00e3o, \u00e9 s\u00f3 comprar o cart\u00e3o pr\u00e9-pago;<br>Compras online e internacionais sem taxa;<br>Cancelamento sem burocracia.<\/td><\/tr><\/tbody><\/table><figcaption>Mais apr\u00e8s tout, quelle est la meilleure carte ?<\/figcaption><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-cart%C3%A3o-havan-\"><strong>Cart\u00e3o Havan<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, o foco do cart\u00e3o Havan \u00e9 no cliente da rede, que oferece in\u00fameros produtos em suas megalojas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Do mesmo modo que o cart\u00e3o de cr\u00e9dito oferece parcelamentos sem juros, ele tamb\u00e9m incentiva o cliente com descontos que chegam a 50% somente para quem possui o cart\u00e3o Havan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, se voc\u00ea \u00e9 cliente ass\u00edduo da loja e pretende ter uma op\u00e7\u00e3o separada dos cart\u00f5es de cr\u00e9dito banc\u00e1rios, esse \u00e9 ideal, j\u00e1 que n\u00e3o tem anuidade, taxa de ades\u00e3o ou qualquer taxa mensal abusiva, ao contr\u00e1rio de alguns cart\u00f5es de cr\u00e9dito tradicionais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda sim, pode deixar de atender o cliente no quesito liberdade, j\u00e1 que o cart\u00e3o Havan \u00e9 direcionado apenas para compras nas empresas da rede. Portanto, se procura desconto, facilidades e um bom limite dentro da loja, voc\u00ea encontrou esta op\u00e7\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=\"2-cart%C3%A3o-ton-\"><strong>Cart\u00e3o Ton<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u00e3o apenas um cart\u00e3o de cr\u00e9dito, como tamb\u00e9m uma op\u00e7\u00e3o \u00f3tima para negativados, o cart\u00e3o Ton \u00e9 pr\u00e9-pago.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso significa que pode ser utilizado na modalidade cr\u00e9dito, desde que seja frequentemente recarregado. Portanto, essa caracter\u00edstica n\u00e3o permite a cria\u00e7\u00e3o de parcelas, mas pode oportunizar assinaturas de servi\u00e7os de streaming ou sites de compras, que exigem um cart\u00e3o de cr\u00e9dito em alguns casos.<\/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 cart\u00e3o \u00e9 emitido com bandeira Mastercard, ou seja, oportuniza todos os benef\u00edcios, inclusive compras internacionais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma vez que voc\u00ea compra o cart\u00e3o pelo site ou estabelecimentos autorizados, \u00e9 s\u00f3 carregar com o valor desejado e utilizar sem restri\u00e7\u00f5es ou an\u00e1lises de cr\u00e9dito, por exemplo!<\/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-ton-\"><strong>Quels sont les avantages de la carte Ton ?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, quais as vantagens do cart\u00e3o? Fonte: Pexels.\"  id=\"27140\" src=\"https:\/\/ucarecdn.com\/910115b3-063b-48b2-8110-b598b18e0b46\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mais apr\u00e8s tout, quels sont les avantages de la carte ? Source : Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In\u00fameras vantagens te ajudam a decidir entre o cart\u00e3o Havan ou cart\u00e3o Ton, olha s\u00f3 os benef\u00edcios deste cart\u00e3o pr\u00e9-pago, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Sem an\u00e1lise de cr\u00e9dito ou perfil financeiro, nem exig\u00eancia de nome limpo;<\/li><li>N\u00e3o cobra anuidade ou taxas por utiliza\u00e7\u00e3o;<\/li><li>V\u00e1lido como cart\u00e3o de cr\u00e9dito em compras nacionais ou internacionais;<\/li><li>Acesso a benef\u00edcios Mastercard;<\/li><li>N\u00e3o \u00e9 necess\u00e1ria a abertura de conta banc\u00e1ria.<\/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-havan-\"><strong>Quais as vantagens do cart\u00e3o Havan?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tanto quanto um cart\u00e3o de loja, o cart\u00e3o Havan pode ser parceiro da sua organiza\u00e7\u00e3o financeira caso haja gastos frequentes nas lojas. Veja s\u00f3 outras vantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>N\u00e3o exige renda m\u00ednima para o pedido de limite;<\/li><li>Parcelamento em at\u00e9 10x, sem juros, independentemente do valor da compra;<\/li><li>N\u00e3o cobra taxas, como anuidade ou ades\u00e3o;<\/li><li>Pode ser um cart\u00e3o auxiliar, pensado apenas para compras na loja, sem misturar com outras compras.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-as-desvantagens-do-cart%C3%A3o-havan-\"><strong>Quais as desvantagens do cart\u00e3o Havan?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, quais s\u00e3o as desvantagens do cart\u00e3o? Fonte: Pexels.\"  id=\"27142\" src=\"https:\/\/ucarecdn.com\/f0378081-da95-4d46-97e8-4dcd6bc1d238\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, quais s\u00e3o as desvantagens do cart\u00e3o? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bem como as vantagens, h\u00e1 algumas limita\u00e7\u00f5es relacionadas ao cart\u00e3o Havan, veja algumas delas, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>N\u00e3o \u00e9 permitido utiliz\u00e1-lo em outros locais;<\/li><li>Sem bandeira de cr\u00e9dito e benef\u00edcios de cart\u00e3o de cr\u00e9dito;<\/li><li>Exige nome limpo para o pedido ser feito;<\/li><li>Precisa alterar a senha? Somente na loja;<\/li><li>N\u00e3o possui benef\u00edcios al\u00e9m dos parcelamentos.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-ton-\"><strong>Quais as desvantagens do cart\u00e3o Ton?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma vez que voc\u00ea utiliza o cart\u00e3o Ton, ser\u00e1 necess\u00e1rio lidar com alguns problemas. Veja algumas desvantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Impossibilidade de parcelamento;<\/li><li>Taxa de saque de R$7,50 cobrada pelo Banco24H, \u00fanico que permite o saque da rede;<\/li><li>Pagamento de IOF em compras internacionais;<\/li><li>N\u00e3o acumula benef\u00edcios, como milhas;<\/li><li>Cobran\u00e7a em transa\u00e7\u00f5es como transfer\u00eancias.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-havan-ou-cart%C3%A3o-ton-qual-escolher-\"><strong>Havan Card ou Ton Card : laquelle choisir ?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, \u00e9 importante chegar \u00e0 conclus\u00e3o qual ser\u00e1 o seu maior uso: um limite que vale apenas para compras na loja, ou um cart\u00e3o recarreg\u00e1vel que n\u00e3o tem an\u00e1lise de cr\u00e9dito e pode ser utilizado para cobran\u00e7as mensais pequenas, como carros de aplicativos e streamings.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda sim, a d\u00favida permanece? N\u00e3o se preocupe. Nossos especialistas fizeram contras compara\u00e7\u00f5es para te ajudar ainda mais nessa escolha dif\u00edcil. Abaixo temos mais op\u00e7\u00f5es para sua an\u00e1lise. \u00c9 s\u00f3 clicar!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZzFpRH\">\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-ponto-frio-cartao-casas-bahia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Ponto Frio ou cart\u00e3o Casas Bahia\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5f942c2f-ee80-4fd2-be81-4edd0ba1d592\/\" 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-ponto-frio-cartao-casas-bahia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Ponto Frio ou cart\u00e3o Casas Bahia\">\n            Cart\u00e3o Ponto Frio ou cart\u00e3o Casas Bahia        <\/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            As lojas investiram pesado em cart\u00f5es de cr\u00e9dito com bandeiras, que beneficiam o cliente nas compras, mas tamb\u00e9m atraem pelo programa de pontos e vantagens. 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Leia este post e conhe\u00e7a detalhes de cada um.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[835,525,427,287,454],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cart\u00e3o Havan ou Cart\u00e3o Ton: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Afinal, cart\u00e3o Havan ou cart\u00e3o Ton? 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