{"id":29311,"date":"2021-08-17T23:01:00","date_gmt":"2021-08-17T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29311"},"modified":"2021-08-17T02:27:01","modified_gmt":"2021-08-17T02:27:01","slug":"review-cartao-submarino","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/review-cartao-submarino\/","title":{"rendered":"Examen de la carte Submarino 2021"},"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-cart%C3%A3o-submarino-ofertas-exclusivas-e-programa-l%C3%A9guas-de-benef%C3%ADcios\">Cart\u00e3o Submarino: ofertas exclusivas e Programa L\u00e9guas de benef\u00edcios<\/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=\"Review cart\u00e3o Submarino. Fonte: Submarino.\"  id=\"29314\" src=\"https:\/\/ucarecdn.com\/9d2effcc-7e22-496b-8282-0a795561b8d8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Review cart\u00e3o Submarino. Fonte: Submarino.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se voc\u00ea n\u00e3o sabe qual cart\u00e3o de cr\u00e9dito \u00e9 a melhor op\u00e7\u00e3o para voc\u00ea, que tal conferir o review cart\u00e3o Submarino exclusivo que preparamos?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aqui, voc\u00ea vai conhecer melhor os pr\u00f3s e os contras do produto financeiro para decidir se ele \u00e9 uma boa op\u00e7\u00e3o para as suas necessidades atuais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, confira a tabela abaixo com as suas principais caracter\u00edsticas e continue a leitura para saber mais detalhes do cart\u00e3o. Ent\u00e3o, vamos l\u00e1?<\/p>\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><strong>Rente<\/strong><\/td><td>12x de R$ 15,70<\/td><\/tr><tr><td><strong>Revenu minimum<\/strong><strong><\/strong><\/td><td>Salaire minimum<\/td><\/tr><tr><td><strong>Drapeau<\/strong><strong><\/strong><\/td><td>Visa<\/td><\/tr><tr><td><strong>Toit<\/strong><strong><\/strong><\/td><td>National<\/td><\/tr><tr><td><strong>Avantages<\/strong><strong><\/strong><\/td><td>Vai de Visa, Programa L\u00e9guas<\/td><\/tr><\/tbody><\/table><figcaption>Mais apr\u00e8s tout, quelles sont ses principales caract\u00e9ristiques ?<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZKIP0g\">\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-submarino\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Submarino\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/58c57ca5-9631-407c-9d89-a2c54fa29fea\/\" 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-submarino\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Submarino\">\n            Comment demander la carte Submarino        <\/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 como solicitar o cart\u00e3o Submarino de forma simples e 100% online. E, ainda, aproveite vantagens, como o Programa Vai de Visa e o Programa L\u00e9guas.        <\/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-submarino\/\"  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-submarino\/\"  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\/58c57ca5-9631-407c-9d89-a2c54fa29fea\/\">          \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 Submarino              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-cartao-submarino\/\"  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><!--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-review-cart%C3%A3o-submarino-tudo-o-que-voc%C3%AA-precisa-saber\">Review cart\u00e3o Submarino: tudo o que voc\u00ea precisa saber<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sem d\u00favida, o cart\u00e3o Submarino \u00e9 uma op\u00e7\u00e3o interessante para quem quer fazer compras e, ainda, aproveitar v\u00e1rios benef\u00edcios exclusivos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o produto \u00e9 uma parceria do Submarino com o Banco Cetelem, que est\u00e1 presente em mais de 18 pa\u00edses e \u00e9 uma das empresas l\u00edderes do setor de cr\u00e9dito ao consumidor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, ao solicitar o cart\u00e3o, voc\u00ea pode ter a certeza de que est\u00e1 adquirindo um produto confi\u00e1vel e de qualidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, confira, a seguir, os pontos mais importantes do produto financeiro com o nosso review cart\u00e3o Submarino!<\/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<h3 id=\"2-anuidade-e-cobertura\">Rente et couverture<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, se voc\u00ea quer fazer compras em todo o Brasil, tanto em lojas f\u00edsicas quanto online, o cart\u00e3o pode ser a op\u00e7\u00e3o ideal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, ele conta com ampla cobertura nacional e \u00e9 aceito em milhares de estabelecimentos em todo o territ\u00f3rio brasileiro para voc\u00ea n\u00e3o perder nenhuma oferta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1 sobre a anuidade do cart\u00e3o, \u00e9 necess\u00e1rio pagar uma taxa mensal de R$ 15,70. Portanto, voc\u00ea precisa ter um bom planejamento financeiro e incluir essa quantia nos seus gastos mensais.<\/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<h3 id=\"3-taxas-e-tarifas\">Frais et tarifs<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Os custos n\u00e3o poderiam ficar de fora do nosso review cart\u00e3o Submarino. Embora a solicita\u00e7\u00e3o do seu cart\u00e3o seja gratuita, voc\u00ea deve pagar algumas tarifas para realizar determinadas opera\u00e7\u00f5es.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por exemplo, para saques em caixas eletr\u00f4nicos da rede Banco24Horas, \u00e9 cobrada uma parcela \u00fanica de R$ 13,90 ou R$22,00 parcelados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, caso voc\u00ea precise da 2\u00aa via do cart\u00e3o, \u00e9 necess\u00e1rio pagar um valor de R$ 22,00 para a emiss\u00e3o e confec\u00e7\u00e3o do produto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, as compras parceladas em at\u00e9 12 vezes n\u00e3o t\u00eam juros, mas em parcelamentos de 18 a 24 vezes a taxa \u00e9 de 1,99% ao m\u00eas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, conforme j\u00e1 mencionamos, h\u00e1 a anuidade paga mensalmente no valor de R$ 15,70.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, \u00e9 importante conhecer todas as condi\u00e7\u00f5es do cart\u00e3o para n\u00e3o ter nenhuma surpresa quando for utiliz\u00e1-lo.<\/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<h3 id=\"4-bandeira-e-benef%C3%ADcios\">Drapeau et avantages<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, qual \u00e9 a bandeira do cart\u00e3o e os seus benef\u00edcios? Fonte: Pexels.\"  id=\"29315\" src=\"https:\/\/ucarecdn.com\/4ebc65f0-a947-4888-97a6-41619ca32e6b\/\" 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 \u00e9 a bandeira do cart\u00e3o e os seus benef\u00edcios? 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>Ent\u00e3o, o cart\u00e3o conta com a bandeira Visa, que \u00e9 uma das mais reconhecidas do mercado. Desse modo, voc\u00ea faz compras presenciais e online em milhares de estabelecimentos credenciados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, voc\u00ea ainda pode participar do programa de benef\u00edcios Vai de Visa. Com ele, voc\u00ea aproveita ofertas e descontos exclusivos em servi\u00e7os e produtos de lojas parceiras, como Decolar, Taco Bell, Renner e muito mais! Assim, as compras s\u00e3o feitas com voucher, c\u00f3digo de desconto ou com o pr\u00f3prio cart\u00e3o para voc\u00ea aproveitar todas as ofertas incr\u00edveis dispon\u00edveis.<\/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<h3 id=\"5-vantagens-do-cart%C3%A3o-submarino\">Avantages de la carte Submarino<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse review cart\u00e3o Submarino tamb\u00e9m precisamos falar sobre as vantagens. Pois bem, um dos pontos positivos do produto financeiro \u00e9 o Programa L\u00e9guas. Com ele, voc\u00ea ganha L\u00e9guas a cada compra para trocar por vales-presente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, ele funciona da seguinte forma: a cada R$ 1,00 gasto em compras no Submarino, voc\u00ea recebe 3 L\u00e9guas. J\u00e1 em compras feitas nas demais lojas credenciadas, voc\u00ea ganha 1 L\u00e9gua a cada R$ 1,00. Ao acumular as L\u00e9guas, voc\u00ea pode trocar por vales-presente de R$ 50,00 a R$ 250,00 para serem usados em qualquer produto no Submarino. 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>Outra vantagem do cart\u00e3o \u00e9 que voc\u00ea aproveita o parcelamento especial para compras no site do Submarino. Assim, voc\u00ea pode fazer compras em at\u00e9 36 vezes iguais. Dessa forma, voc\u00ea n\u00e3o perde nenhuma oferta!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, voc\u00ea pode sacar dinheiro na rede Banco24Horas e tamb\u00e9m pelo WebSaque de forma muito mais pr\u00e1tica, al\u00e9m de consultar o limite do cart\u00e3o e a fatura por meio da conta digital. Assim, o dia a dia fica muito mais f\u00e1cil, n\u00e3o acha?<\/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 tamb\u00e9m oferece o SuperLimite, que funciona como um cr\u00e9dito extra para gastar em compras parceladas no Submarino. Dessa forma, voc\u00ea tem o limite de cr\u00e9dito estabelecido para compras nos estabelecimentos que aceitem a bandeira Visa e o SuperLimite para aproveitar todas as ofertas do Submarino.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z16D48g\">\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\/conheca-agora-tudo-sobre-o-cartao-submarino\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"D\u00e9couvrez tout sur la carte Submarino maintenant\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/58c57ca5-9631-407c-9d89-a2c54fa29fea\/\" 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\/conheca-agora-tudo-sobre-o-cartao-submarino\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"D\u00e9couvrez tout sur la carte Submarino maintenant\">\n            D\u00e9couvrez tout sur la carte Submarino maintenant        <\/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 nesse artigo completo todas as caracter\u00edsticas e os benef\u00edcios do cart\u00e3o Submarino e verifique se ele \u00e9 ou n\u00e3o uma boa op\u00e7\u00e3o para voc\u00ea.        <\/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\/conheca-agora-tudo-sobre-o-cartao-submarino\/\"  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\/conheca-agora-tudo-sobre-o-cartao-submarino\/\"  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\/58c57ca5-9631-407c-9d89-a2c54fa29fea\/\">          \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                D\u00e9couvrez tout sur la carte Submarino maintenant              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/conheca-agora-tudo-sobre-o-cartao-submarino\/\"  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><!--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<h3 id=\"6-desvantagens-do-cart%C3%A3o-submarino\">Desvantagens do cart\u00e3o Submarino<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, como j\u00e1 mencionamos aqui no review cart\u00e3o Submarino, uma das desvantagens do produto financeiro \u00e9 que ele possui taxa de anuidade, pois h\u00e1 outras op\u00e7\u00f5es no mercado que n\u00e3o cobram a tarifa. Al\u00e9m disso, h\u00e1 outras cobran\u00e7as feitas para algumas fun\u00e7\u00f5es, como saque e emiss\u00e3o da 2\u00aa via do cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, muitas ofertas e benef\u00edcios s\u00e3o direcionados aos clientes do Submarino. Assim, ele acaba sendo uma op\u00e7\u00e3o mais vantajosa para quem costuma comprar com mais frequ\u00eancia na loja.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outro ponto negativo \u00e9 que o limite do seu produto financeiro \u00e9 determinado com base na an\u00e1lise do perfil do cliente. Por isso, dependendo da avalia\u00e7\u00e3o feita, o limite de cr\u00e9dito aprovado pode n\u00e3o ser t\u00e3o alto quanto o desejado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, voc\u00ea precisa comprovar renda m\u00ednima de um sal\u00e1rio m\u00ednimo para solicitar o seu cart\u00e3o. Assim, se voc\u00ea n\u00e3o tem como apresentar a comprova\u00e7\u00e3o, o cart\u00e3o pode n\u00e3o ser aprovado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, ele n\u00e3o \u00e9 a melhor escolha para quem quer fazer compras em estabelecimentos e sites internacionais, j\u00e1 que a cobertura n\u00e3o se estende a esses locais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, voc\u00ea deve avaliar todas as caracter\u00edsticas positivas e negativas do cart\u00e3o para decidir se ele \u00e9 uma boa op\u00e7\u00e3o para voc\u00ea!<\/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<h3 id=\"7-aplicativo-do-cart%C3%A3o\">Demande de carte<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, o produto financeiro foi feito em parceria do Submarino com o Banco Cetelem. Por isso, para controlar os seus gastos e acompanhar a fatura, voc\u00ea deve baixar o app Cetelem. Assim, voc\u00ea faz todo o controle das finan\u00e7as por meio da sua conta digital.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, voc\u00ea tamb\u00e9m pode baixar o aplicativo do Submarino para ter acesso a v\u00e1rias vantagens especiais, como cupons de desconto, promo\u00e7\u00f5es e ofertas exclusivas da loja.<\/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 apps est\u00e3o dispon\u00edveis tanto para o sistema Android quanto para iOS e podem ser baixados no Google Play e na App Store.<\/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<h3 id=\"8-conta-digital\">Compte num\u00e9rique<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, conforme mencionamos acima, o cart\u00e3o \u00e9 emitido pelo Cetelem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, voc\u00ea realiza o controle dos seus gastos por meio da sua conta digital do banco. Assim, voc\u00ea s\u00f3 precisa baixar o app para acessar as informa\u00e7\u00f5es do cart\u00e3o e realizar v\u00e1rias fun\u00e7\u00f5es. Muito mais praticidade, n\u00e3o \u00e9 mesmo?<\/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<h3 id=\"9-processo-de-solicita%C3%A7%C3%A3o\">Processus de demande<\/h3>\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=\"Ent\u00e3o, como funciona o processo de solicita\u00e7\u00e3o? Fonte: Pexels.\"  id=\"29316\" src=\"https:\/\/ucarecdn.com\/bbf866c0-b17a-4940-ba90-c24b8ea2b396\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ent\u00e3o, como funciona o processo de solicita\u00e7\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>Ent\u00e3o, o processo de solicita\u00e7\u00e3o do cart\u00e3o \u00e9 muito r\u00e1pido e \u00e9 feito de forma 100% online. Para isso, voc\u00ea deve acessar o site oficial do Submarino e preencher o formul\u00e1rio dispon\u00edvel. Depois disso, o seu perfil ir\u00e1 passar pela an\u00e1lise de cr\u00e9dito do banco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, se estiver tudo certo, voc\u00ea ir\u00e1 receber a aprova\u00e7\u00e3o por e-mail e o cart\u00e3o ser\u00e1 enviado para a sua casa em at\u00e9 7 dias \u00fateis ap\u00f3s a emiss\u00e3o do produto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Depois que estiver com o cart\u00e3o em m\u00e3os, voc\u00ea s\u00f3 precisa desbloque\u00e1-lo para que possa fazer compras e aproveitar todos os seus benef\u00edcios. Ent\u00e3o, pode fazer o desbloqueio pelo site oficial do Banco Cetelem ou ligando na Central de Relacionamento Cetelem. Muito f\u00e1cil, 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>Agora que voc\u00ea conheceu tudo o que precisava com o review cart\u00e3o Submarino, ficou mais f\u00e1cil decidir se ele \u00e9 uma boa escolha para as suas necessidades financeiras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, avalie com calma as suas vantagens e desvantagens para tomar a melhor decis\u00e3o para as suas finan\u00e7as. Ademais, se decidir solicit\u00e1-lo, acesse o nosso conte\u00fado recomendado e confira o passo a passo detalhado do processo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1ULk9x\">\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-submarino\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Submarino\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/58c57ca5-9631-407c-9d89-a2c54fa29fea\/\" 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-submarino\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Submarino\">\n            Comment demander la carte Submarino        <\/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 como solicitar o cart\u00e3o Submarino de forma simples e 100% online. E, ainda, aproveite vantagens, como o Programa Vai de Visa e o Programa L\u00e9guas.        <\/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-submarino\/\"  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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Com ele, voc\u00ea participa do Programa L\u00e9guas e Vai de Visa e, ainda, aproveita v\u00e1rias outras vantagens. Vamos l\u00e1!<\/p>","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[1368,179,973,285],"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>Review cart\u00e3o Submarino 2021 - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Confira o review cart\u00e3o Submarino para conhecer todas as suas vantagens, como o Programa L\u00e9guas e Vai de Visa. 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