{"id":28156,"date":"2021-08-16T23:00:00","date_gmt":"2021-08-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28156"},"modified":"2021-08-16T19:20:09","modified_gmt":"2021-08-16T19:20:09","slug":"cartao-havan-ou-cartao-neon-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/cartao-havan-ou-cartao-neon-qual-o-melhor\/","title":{"rendered":"Cart\u00e3o Havan ou Cart\u00e3o Neon: qual o melhor?"},"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-neon-descubra-qual-escolher\">Havan x Neon: 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 Neon: qual escolher? Fonte: Pexels.\"  id=\"28159\" src=\"https:\/\/ucarecdn.com\/6e3a8b79-592f-4613-a93b-99e4d9208063\/\" 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 Neon: qual escolher? 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>Antes de come\u00e7ar a falar do nosso comparativo sobre cart\u00e3o Havan ou cart\u00e3o Neon, precisamos fazer uma breve introdu\u00e7\u00e3o. Vamos l\u00e1!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De fato, o cart\u00e3o Havan n\u00e3o quer apenas oportunizar as compras na loja, mas tamb\u00e9m criar maneiras para que ele se mantenha atrav\u00e9s de um cart\u00e3o de cr\u00e9dito atrativo. N\u00e3o apenas um cart\u00e3o de loja, essa op\u00e7\u00e3o oferecida pela Havan \u00e9 chamativa por n\u00e3o cobrar juros em parcelamentos longos, ser de f\u00e1cil aprova\u00e7\u00e3o e, ainda, dar 40 dias para pagar a primeira compra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, n\u00e3o d\u00e1 o cliente a chance de gastar o limite de cr\u00e9dito em outros locais, portanto, quem quer uma op\u00e7\u00e3o mais ampla e para pagar contas, deve procurar por contas digitais, que possuem menos tarifas, algumas n\u00e3o cobram anuidade e ainda permitem a solicita\u00e7\u00e3o sem sair de casa, como \u00e9 o caso do cart\u00e3o Neon.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, seguindo essas caracter\u00edsticas, chegamos com&nbsp; o comparativo entre o cart\u00e3o Havan ou cart\u00e3o Neon, com o objetivo de sanar de uma vez por todas as d\u00favidas e trazer os detalhes de cada op\u00e7\u00e3o. Portanto, continue conosco e conhe\u00e7a os detalhes dessas op\u00e7\u00f5es populares.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1tRQ2w\">\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\/1998a8c8-5f91-42ff-8e58-df4134ad387b\/\" 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            Embora s\u00f3 possa ser usado nas lojas da rede, o cart\u00e3o Havan oferece muitos benef\u00edcios na hora da compra. A seguir, veja como solicitar o seu de maneira simples e pr\u00e1tica.        <\/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\/1998a8c8-5f91-42ff-8e58-df4134ad387b\/\">          \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-2gUlNC\">\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-cartao-neon\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Neon\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/001d1e80-e01e-44f9-ba7a-f3640214c6bd\/\" 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-cartao-neon\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Neon\">\n            Comment demander la carte Neon        <\/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            Voc\u00ea consegue solicitar o cart\u00e3o Neon de dois modos: pelo site oficial do Banco Neon e pelo aplicativo do cart\u00e3o. Tenha o seu pl\u00e1stico sem anuidade e burocracia.        <\/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-cartao-neon\/\"  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-cartao-neon\/\"  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\/001d1e80-e01e-44f9-ba7a-f3640214c6bd\/\">          \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 Neon              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-cartao-neon\/\"  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 is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>Cart\u00e3o Havan<\/strong><\/td><td><strong>Cart\u00e3o Neon<\/strong><\/td><\/tr><tr><td><strong>Revenu minimum<\/strong><\/td><td>R$ 800,00<\/td><td>Non requis<\/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>Visa<\/td><\/tr><tr><td><strong>Toit<\/strong><\/td><td>National<\/td><td>Nationale et internationale<\/td><\/tr><tr><td><strong>Avantages<\/strong><\/td><td>Desconto em compras;<br>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 tarifas ou mensalidades;<br>Programa \u00a0Neon+, que permite saques gr\u00e1tis;<br>Cart\u00e3o digital e f\u00edsico;<br><\/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>Com o prop\u00f3sito de manter o cliente na loja, a Havan criou um cart\u00e3o de cr\u00e9dito b\u00e1sico, de contrato simples e aprova\u00e7\u00e3o r\u00e1pida. Assim sendo, quando o cliente recebe a aprova\u00e7\u00e3o, j\u00e1 consegue saber o limite disponibilizado e fazer as compras mesmo sem o cart\u00e3o f\u00edsico em m\u00e3os, por exemplo.<\/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 um dos que possui as maiores facilidades de pagamento do mercado, sendo muito dif\u00edcil ficar inadimplente. S\u00f3 para exemplificar, o cart\u00e3o Havan costuma oferecer um parcelamento de at\u00e9 10x sem juros, nove datas para as faturas serem cobradas (datas que voc\u00ea pode alterar sem burocracia) e 40 dias para iniciar os pagamentos de parcelas.<\/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 Havan pode ser solicitado pelo site ou durante as compras da loja, portanto, possuindo nome limpo, bom hist\u00f3rico financeiro e \u00f3timo relacionamento com a loja, al\u00e9m de uma boa renda, voc\u00ea ter\u00e1 um cart\u00e3o sem associa\u00e7\u00e3o a bancos que te oferece grandes descontos em compras, o que j\u00e1 ajuda na escolha entre o cart\u00e3o Havan ou cart\u00e3o Neon.\u00a0<\/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-neon-\"><strong>Cart\u00e3o Neon<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bem como outros cart\u00f5es digitais, o Neon quer angariar clientes atrav\u00e9s das baixas tarifas e tecnologias que atraem. S\u00f3 para exemplificar, o cart\u00e3o \u00e9 internacional e n\u00e3o cobra tarifas nos servi\u00e7os banc\u00e1rios mais importantes, al\u00e9m disso, o pedido \u00e9 feito pelo aplicativo ou no site e a an\u00e1lise de cr\u00e9dito n\u00e3o \u00e9 demorada, leva apenas sete dias.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, com a conta digital, voc\u00ea pode colocar sua fatura direto no d\u00e9bito autom\u00e1tico. Com a finalidade de manter o cliente, o cart\u00e3o Neon oferece o programa que retira as tarifas de saques mediante uso de dez dias do cart\u00e3o em um per\u00edodo de 30 dias, o que quase nenhuma conta digital oferece.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, na d\u00favida entre o cart\u00e3o Havan ou cart\u00e3o Neon, comece a analisar se voc\u00ea quer um gasto focado em apenas um lugar, ou pretende ter uma op\u00e7\u00e3o para compras internacionais, pagamentos de servi\u00e7os, como Netflix e Spotify, ent\u00e3o, inicie as pondera\u00e7\u00f5es.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-havan-\"><strong>Quais as vantagens 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 as vantagens? Fonte: Pexels.\"  id=\"28160\" src=\"https:\/\/ucarecdn.com\/6c161c6d-2b9d-496e-8d51-4ca07102cecc\/\" 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 as vantagens? 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>Apesar de permitir que o cliente use o limite de cr\u00e9dito somente na loja, isso n\u00e3o quer dizer que o cart\u00e3o Havan n\u00e3o apare\u00e7a como uma excelente op\u00e7\u00e3o de economia, parcelamento e chance de compras de valor alto para quem nunca antes possuiu. Ademais, existem outras vantagens mencionadas abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Sem associa\u00e7\u00e3o a bancos;<\/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><li>Tenha descontos nas compras online ou nas lojas f\u00edsicas;<\/li><li>Cancele sem burocracia.<\/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-neon-\"><strong>Quais as vantagens do cart\u00e3o Neon?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim sendo uma conta digital sem anuidade, o Neon bate de frente com os principais do mercado, claro, buscando tamb\u00e9m seu espa\u00e7o com programas de pontos e possibilidades de saques gratuitos, por exemplo. S\u00f3 para exemplificar, veja o que mais este cart\u00e3o oferece, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Dep\u00f3sito para ativar a conta, mas o dinheiro \u00e9 seu, n\u00e3o uma tarifa;<\/li><li>Conta digital para pessoa f\u00edsica ou jur\u00eddica;<\/li><li>Programa que permite saques gr\u00e1tis;<\/li><li>Emiss\u00e3o do cart\u00e3o sem custo;<\/li><li>Compras internacionais atrav\u00e9s da bandeira de cr\u00e9dito;<\/li><li>Op\u00e7\u00e3o para quem quer investir ou guardar dinheiro, o #focanodinheiro.<\/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 as desvantagens do cart\u00e3o? Fonte: Pexels.\"  id=\"29294\" src=\"https:\/\/ucarecdn.com\/e993839b-4602-49ba-aae2-8b8977f6eb29\/\" 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 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>Assim como benef\u00edcios, o cart\u00e3o de cr\u00e9dito Havan aparece como um dos poucos a ter a desvantagem de n\u00e3o permitir o cliente a comprar em outros locais. Portanto, o limite s\u00f3 pode ser gasto nas depend\u00eancias da loja Havan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Com o intuito de incentivar pelo menos uma vez a compra na loja f\u00edsica, outra situa\u00e7\u00e3o nada interessante \u00e9 permitir a libera\u00e7\u00e3o do cart\u00e3o apenas para quem mora a pelo menos 200 quil\u00f4metros de uma loja, o que retira o direito de fazer compras online de quem mora em locais pequenos ou afastados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, n\u00e3o ter bandeira de cr\u00e9dito e possibilidade de participa\u00e7\u00e3o em programas de bancos tamb\u00e9m \u00e9 um ponto negativo. Esses aspectos s\u00e3o relevantes no momento de decidir entre o cart\u00e3o Havan ou cart\u00e3o Neon.<\/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-neon-\"><strong>Quais as desvantagens do cart\u00e3o Neon?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda que seja um dos cart\u00f5es digitais com menos taxas no mercado, o cart\u00e3o Neon tem o defeito de cobrar pequenos valores por transfer\u00eancias e demais transa\u00e7\u00f5es financeiras, por isso muitos encaram como obriga\u00e7\u00e3o realizar as dez transa\u00e7\u00f5es no m\u00eas para se livrar da taxa de saque.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, h\u00e1 tarifas at\u00e9 para emitir boletos banc\u00e1rios, e se voc\u00ea exceder o n\u00famero de TEDS, por exemplo, tamb\u00e9m paga uma taxa. Antes que haja d\u00favida, por enquanto n\u00e3o h\u00e1 a possibilidade de cheque especial e outros tipos de investimento para clientes Neon.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, possui um tempo longo para aprovar o cart\u00e3o de cr\u00e9dito de, no m\u00ednimo, sete dias, ou seja, para quem quer algo urgente, o cart\u00e3o Neon pode n\u00e3o ser uma boa 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=\"7-cart%C3%A3o-havan-ou-cart%C3%A3o-neon-qual-escolher-\"><strong>Cart\u00e3o Havan ou Cart\u00e3o Neon: qual escolher?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, qual escolher? Fonte: Pexels.\"  id=\"29297\" src=\"https:\/\/ucarecdn.com\/2202f701-b546-45fc-94b1-a5eedce297a3\/\" 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, qual escolher? 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>Acima de tudo, temos duas op\u00e7\u00f5es para perfis diferentes, ou seja, \u00e9 poss\u00edvel ter o cart\u00e3o Havan ou cart\u00e3o Neon e us\u00e1-los para fins distintos. Enquanto o cart\u00e3o Havan \u00e9 indicado para economias nas lojas, oferecendo chances quase \u00fanicas de parcelamento, o cart\u00e3o Neon aparece com tarifas baixas para uso de cr\u00e9dito e possibilidade de aumento de limites constantes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, se ainda n\u00e3o foi poss\u00edvel escolher o seu cart\u00e3o, confira outro comparativo interessante que preparamos. A fim de que voc\u00ea se decida, estaremos sempre de olho nas tend\u00eancias e op\u00e7\u00f5es diferentes para cada tipo de bolso, ent\u00e3o, clique no conte\u00fado recomendado abaixo e continue a pesquisa.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-29qbvy\">\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-pagbank-ou-cartao-neon-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o PagBank ou cart\u00e3o Neon: qual escolher?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0454b3b3-4f94-4c04-b553-581722c16a01\/\" 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-pagbank-ou-cartao-neon-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o PagBank ou cart\u00e3o Neon: qual escolher?\">\n            Cart\u00e3o PagBank ou cart\u00e3o Neon: qual escolher?        <\/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            Ambos os cart\u00f5es n\u00e3o possuem anuidades, entretanto, cada um \u00e9 definido para um tipo de cliente, quem sabe pode ser o seu perfil? Confira!        <\/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-pagbank-ou-cartao-neon-qual-escolher\/\"  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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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\/cartao-pagbank-ou-cartao-neon-qual-escolher\/\"  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\/0454b3b3-4f94-4c04-b553-581722c16a01\/\">          \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                Cart\u00e3o PagBank ou cart\u00e3o Neon: qual escolher?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/cartao-pagbank-ou-cartao-neon-qual-escolher\/\"  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>Conhe\u00e7a duas op\u00e7\u00f5es de cr\u00e9dito que agradam quem procura por descontos em compras, mas tamb\u00e9m quer um cart\u00e3o para compras internacionais e programas de pontos. Dessa forma, escolha o cart\u00e3o Havan ou cart\u00e3o Neon.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,468,439],"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 Neon: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a op\u00e7\u00f5es de cr\u00e9dito que agradam diferentes p\u00fablicos. 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