{"id":31491,"date":"2021-08-26T12:00:00","date_gmt":"2021-08-26T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=31491"},"modified":"2023-02-21T14:58:32","modified_gmt":"2023-02-21T14:58:32","slug":"cartao-havan-ou-cartao-saraiva","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/cartao-havan-ou-cartao-saraiva\/","title":{"rendered":"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher?"},"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-saraiva-descubra-qual-escolher\">Havan x Saraiva: 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 Saraiva: qual o melhor? Fonte: Pexels.\"  id=\"31572\" src=\"https:\/\/ucarecdn.com\/2ba071d0-8e90-42c1-8295-f46a5444a9a5\/\" 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 Saraiva: qual o melhor? 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>Sem d\u00favida, o cart\u00e3o Havan ou cart\u00e3o Saraiva s\u00e3o cheios de benef\u00edcios, mas, afinal, qual seria ideal para compras mais baratas?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pensando nisso, separamos as principais caracter\u00edsticas das duas op\u00e7\u00f5es, sendo que uma possui limite de cr\u00e9dito para compras em outros locais e o outro n\u00e3o possui crit\u00e9rios burocr\u00e1ticos para sua aprova\u00e7\u00e3o, por exemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enquanto o cart\u00e3o Saraiva possui programa de ac\u00famulo de pontos, possibilidade de compras internacionais e bandeira de cr\u00e9dito, o cart\u00e3o Havan \u00e9 direcionado para clientes das lojas que querem pagar mais barato e ter liberdade para pagar faturas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, ambos os cart\u00f5es s\u00e3o ideais para quem \u00e9 cliente das lojas e precisa gastar menos, j\u00e1 que semanalmente surgem op\u00e7\u00f5es com desconto e ofertas somente para clientes que possuem os cart\u00f5es de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, saiba mais detalhes e perceba se o cart\u00e3o Havan ou cart\u00e3o Saraiva s\u00e3o ideais para suas necessidades, lembrando que os dois podem ser solicitados pela internet. Ent\u00e3o, continue a leitura e confira o comparativo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZQR24p\">\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\/52525b65-f14f-4533-80be-400e0a5151da\/\" 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            Cansado dos cart\u00f5es de loja que n\u00e3o oferecem vantagens e s\u00e3o burocr\u00e1ticos? Este possui aprova\u00e7\u00e3o r\u00e1pida, parcelamento sem juros e n\u00e3o cobra tarifas mensais.        <\/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\/52525b65-f14f-4533-80be-400e0a5151da\/\">          \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-1gUVDw\">\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-o-cartao-de-credito-saraiva\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Saraiva\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/30f910ad-54ed-4593-af64-e04dd4d840b7\/\" 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-o-cartao-de-credito-saraiva\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Saraiva\">\n            Comment demander la carte Saraiva        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Entre os cart\u00f5es de loja mais antigos e populares, o cart\u00e3o Saraiva oferece ac\u00famulo de pontos, benef\u00edcios BB e resolu\u00e7\u00f5es nas ag\u00eancias, al\u00e9m de zero anuidade.        <\/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-o-cartao-de-credito-saraiva\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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-o-cartao-de-credito-saraiva\/\"  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\/30f910ad-54ed-4593-af64-e04dd4d840b7\/\">          \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 Saraiva              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/conheca-o-cartao-de-credito-saraiva\/\"  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 Saraiva<\/strong><\/td><\/tr><tr><td><strong>Revenu minimum<\/strong><\/td><td>R$800.00<\/td><td>Salaire minimum<\/td><\/tr><tr><td><strong>Rente<\/strong><\/td><td>N\u00e3o possui<\/td><td>N\u00e3o possui<\/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>Parcele compras sem juros em at\u00e9 10x<br>Confira ofertas rel\u00e2mpago toda semana no site<br>Quando for aprovado, compre mesmo sem o cart\u00e3o f\u00edsico<br>Tenha 40 dias para arcar com faturas e pagamentos de parcelas<\/td><td>Nunca pague anuidade<br>Acumule pontos e troque por milhas LATAM<br>Fa\u00e7a compras internacionais<br>Tenha os benef\u00edcios do Ourocard (BB)<\/td><\/tr><\/tbody><\/table><figcaption>Mas, afinal, qual escolher?<\/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>Sem d\u00favida, o cart\u00e3o Havan \u00e9 ideal para clientes da loja que parcelam compras de valores altos e precisam de mais dias para pagar, j\u00e1 que a possibilidade de come\u00e7ar a quitar a fatura com 40 dias \u00e9 uma grande ajuda para a organiza\u00e7\u00e3o financeira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, a Havan possui um cart\u00e3o de cr\u00e9dito sem bandeira, anuidade ou taxa de ades\u00e3o que pode ser solicitado na loja sem qualquer burocracia. Portanto, tenha os documentos pessoais, comprovantes de renda e resid\u00eancia, al\u00e9m disso, gaste o limite logo ap\u00f3s a aprova\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, o cart\u00e3o Havan \u00e9 um dos \u00fanicos que estende ainda mais o pagamento de parcelas, j\u00e1 que possui o pula pula, que \u00e9 uma promo\u00e7\u00e3o da loja. Portanto, compre entre os dias 21 e 30 de um m\u00eas e pague ap\u00f3s 60 dias, benef\u00edcios que somente clientes do cart\u00e3o de cr\u00e9dito possuem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, tenha possibilidade de escolher entre nove datas de vencimento, contando com a seguran\u00e7a de mudar quando quiser, desde que suas parcelas estejam em dia, o que \u00e9 muito bom para se organizar financeiramente quando h\u00e1 mudan\u00e7a de emprego, 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=\"2-cart%C3%A3o-saraiva-\"><strong>Cart\u00e3o Saraiva<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Embora a Saraiva seja conhecida pelo extenso acervo de livros, games e outros produtos, o cart\u00e3o da rede se mostra como um aliado nas compras, sem esquecer das possibilidades de compras e transa\u00e7\u00f5es banc\u00e1rias que os clientes precisam.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, \u00e9 um cart\u00e3o com pedido feito pelo site, que possui an\u00e1lise de cr\u00e9dito do Banco do Brasil e n\u00e3o cobra nenhuma taxa do cliente relacionada a anuidade, ades\u00e3o ou de manuten\u00e7\u00e3o, por exemplo, sendo muito utilizado por jovens que conseguem bons limites de cr\u00e9dito neste cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Semelhantemente ao cart\u00e3o Havan, este tamb\u00e9m oferece 40 dias para pagar as primeiras compras. Al\u00e9m disso, elas se tornam pontos tanto no programa Vai de Visa quando no Saraiva Plus, ou seja, s\u00e3o chances dobradas de ac\u00famulo. Ademais, todo o controle \u00e9 feito pelo aplicativo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, as urg\u00eancias podem ser resolvidas nas ag\u00eancias BB, principalmente relacionadas a transa\u00e7\u00f5es de cr\u00e9dito. Por fim, com o cart\u00e3o Saraiva voc\u00ea ter\u00e1 descontos, compras internacionais e a um cart\u00e3o virtual assim que o limite de cr\u00e9dito for aprovado, o que deixa a op\u00e7\u00e3o ainda mais pr\u00e1tica!<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A fim de atingir um p\u00fablico espec\u00edfico, o cart\u00e3o Havan acaba n\u00e3o exigindo tantos documentos e comprova\u00e7\u00f5es, o que o torna acess\u00edvel e barato, j\u00e1 que n\u00e3o cobra anuidade ou taxa de ades\u00e3o. Portanto, acompanhe mais vantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Participe do Pula Pula e tenha 60 dias para pagar compras;<\/li><li>Parcelando compras, nunca pague a mais em taxas;<\/li><li>Tenha aprova\u00e7\u00e3o r\u00e1pida e utilize o limite na hora;<\/li><li>Parcelamentos sem entrada ou juros em at\u00e9 10x;<\/li><li>Compre dez dias antes do vencimento e ganhe 40 dias de prazo na fatura.<\/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-saraiva-\"><strong>Quais as vantagens do cart\u00e3o Saraiva?<\/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=\"Saiba mais sobre o cart\u00e3o que n\u00e3o cobra tarifas mensais. Fonte: Saraiva.\"  id=\"21221\" src=\"https:\/\/ucarecdn.com\/efc96842-88f6-41ae-a3cd-42402638184e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Saiba mais sobre o cart\u00e3o que n\u00e3o cobra tarifas mensais. Fonte: Saraiva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ao mesmo tempo que o cart\u00e3o Saraiva \u00e9 ideal para clientes da loja, ele tamb\u00e9m surge como uma op\u00e7\u00e3o barata para quem procura pagamentos b\u00e1sicos, como assinaturas de servi\u00e7o streaming, pagamento de aplicativos de comida ou carona, por exemplo. Portanto, confira outros benef\u00edcios abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>N\u00e3o pague anuidade, taxas de ades\u00e3o ou manuten\u00e7\u00e3o;<\/li><li>Acumule milhas para viagens com LATAM;<\/li><li>Conte sempre com descontos em produtos Saraiva;<\/li><li>Acesso \u00e0s ag\u00eancias BB;<\/li><li>Tenha cart\u00e3o adicional gratuito e 40 dias para pagar 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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de tudo, \u00e9 importante frisar que o cart\u00e3o Havan n\u00e3o possui bandeira de cr\u00e9dito, ou seja, as compras s\u00e3o limitadas as lojas e voc\u00ea n\u00e3o ir\u00e1 acumular pontos, por exemplo. Al\u00e9m disso, quem mora a mais de 200 quil\u00f4metros de alguma unidade n\u00e3o ter\u00e1 o cart\u00e3o liberado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda que seja acess\u00edvel e com pouca burocracia, o cart\u00e3o Havan possui uma renda m\u00ednima de R$800,00, o que impede a libera\u00e7\u00e3o para algumas pessoas que n\u00e3o possuem renda e n\u00e3o tem como comprovar, por exemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, alguns clientes relataram uma taxa de manuten\u00e7\u00e3o que chega a R$7,99. Portanto, fique atento nos pagamentos de faturas caso essas taxas estejam sendo cobradas indevidamente, afinal, a ideia \u00e9 que o cart\u00e3o Havan seja gratuito.<\/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-saraiva-\"><strong>Quais as desvantagens do cart\u00e3o Saraiva?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Apesar de fornecer um cart\u00e3o virtual enquanto o cart\u00e3o f\u00edsico n\u00e3o chega ap\u00f3s a aprova\u00e7\u00e3o, possui um acesso complicado para o cliente que precisa deste servi\u00e7o. Isso porque os pedidos devem ser feitos pelo telefone, o que pode trazer lentid\u00e3o ao processo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Principalmente porque os n\u00fameros dispon\u00edveis s\u00e3o os mesmos das centrais de relacionamento BB, ou seja, tenha o mesmo tempo de espera dos clientes gerais do banco, por exemplo. Ademais, at\u00e9 mesmo o desbloqueio do cart\u00e3o deve ser feito em ag\u00eancia, pouca praticidade, 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>Por fim, o cart\u00e3o Saraiva possui uma an\u00e1lise rigorosa e assim como qualquer cart\u00e3o de cr\u00e9dito do BB, exige uma comprova\u00e7\u00e3o de renda com envio de fotos e inser\u00e7\u00e3o de informa\u00e7\u00f5es detalhadas.<\/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-saraiva-qual-escolher-\"><strong>Cart\u00e3o Havan ou Cart\u00e3o Saraiva: 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 seria melhor? Fonte: Pexels.\"  id=\"31581\" src=\"https:\/\/ucarecdn.com\/4f8c5209-5936-4e65-aec5-275dda9a8675\/\" 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 seria melhor? 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>Com toda certeza, voc\u00ea est\u00e1 abastecido de informa\u00e7\u00f5es para decidir entre o cart\u00e3o Havan ou cart\u00e3o Saraiva, 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>Em suma, um dos cart\u00f5es \u00e9 mais b\u00e1sico, direcionado a clientes das lojas Havan que precisam de descontos, facilidades e pouqu\u00edssimas taxas, al\u00e9m disso, pode ser aprovado para quem est\u00e1 com score baixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, o cart\u00e3o Saraiva surge como uma op\u00e7\u00e3o de cart\u00e3o de cr\u00e9dito mais barata at\u00e9 mesmo que os cart\u00f5es de bancos digitais, j\u00e1 que n\u00e3o h\u00e1 anuidade, taxa de manuten\u00e7\u00e3o ou pagamentos de ades\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, avalie qual a melhor op\u00e7\u00e3o para voc\u00ea e n\u00e3o esque\u00e7a de anotar cada detalhe que seria ben\u00e9fico para seu bolso. Entretanto, se mesmo com o comparativo n\u00e3o foi poss\u00edvel chegar a uma decis\u00e3o, fique tranquilo! Abaixo, temos outro texto que pode te ajudar nessa decis\u00e3o.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-dpDbb\">\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-casas-bahia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o PagBank ou cart\u00e3o Casas Bahia?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/24beafc4-e1b3-4c6b-b82e-3e569b9b1ae0\/\" 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-casas-bahia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o PagBank ou cart\u00e3o Casas Bahia?\">\n            Cart\u00e3o PagBank 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            Entre um cart\u00e3o de loja e outro pr\u00e9-pago, qual seria o ideal para o seu bolso. Saiba mais sobre essas op\u00e7\u00f5es com isen\u00e7\u00e3o e baixa anuidade, al\u00e9m de descontos!        <\/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-casas-bahia\/\"  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\/cartao-pagbank-ou-cartao-casas-bahia\/\"  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\/24beafc4-e1b3-4c6b-b82e-3e569b9b1ae0\/\">          \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 Casas Bahia?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/cartao-pagbank-ou-cartao-casas-bahia\/\"  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>Decida entre o cart\u00e3o Havan ou cart\u00e3o Saraiva, que n\u00e3o cobram anuidade, oferecem cart\u00e3o adicional gratuito, al\u00e9m de 40 dias para come\u00e7ar a pagar compras. Ent\u00e3o, confira o comparativo!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,465],"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 Saraiva: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decida entre o cart\u00e3o Havan ou cart\u00e3o Saraiva: n\u00e3o cobram anuidade, oferecem cart\u00e3o adicional gratuito e 40 dias para pagar compras. Confira o comparativo!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/fr\/cartao-havan-ou-cartao-saraiva\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher?\" \/>\n<meta property=\"og:description\" content=\"Decida entre o cart\u00e3o Havan ou cart\u00e3o Saraiva: n\u00e3o cobram anuidade, oferecem cart\u00e3o adicional gratuito e 40 dias para pagar compras. Confira o comparativo!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/fr\/cartao-havan-ou-cartao-saraiva\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-26T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-21T14:58:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ucarecdn.com\/2ba071d0-8e90-42c1-8295-f46a5444a9a5\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tathiane Mantovani\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#primaryimage\",\"url\":\"https:\/\/ucarecdn.com\/2ba071d0-8e90-42c1-8295-f46a5444a9a5\/\",\"contentUrl\":\"https:\/\/ucarecdn.com\/2ba071d0-8e90-42c1-8295-f46a5444a9a5\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/\",\"name\":\"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher? - Senhor Panda\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#primaryimage\"},\"datePublished\":\"2021-08-26T12:00:00+00:00\",\"dateModified\":\"2023-02-21T14:58:32+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/fdecc1fdccb0778308c8bec2af4e4ea2\"},\"description\":\"Decida entre o cart\u00e3o Havan ou cart\u00e3o Saraiva: n\u00e3o cobram anuidade, oferecem cart\u00e3o adicional gratuito e 40 dias para pagar compras. Confira o comparativo!\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher?\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/fdecc1fdccb0778308c8bec2af4e4ea2\",\"name\":\"Tathiane Mantovani\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/8f696ae3d36d5a641875d3654e402f39?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/8f696ae3d36d5a641875d3654e402f39?s=96&d=mm&r=g\",\"caption\":\"Tathiane Mantovani\"},\"description\":\"Estrategista de Conte\u00fado, Redatora SEO e Escritora com mais de 9 livros publicados nas \u00e1reas de Recursos Humanos e Seguran\u00e7a do Trabalho. Estudante de Jornalismo. Bacharel em Administra\u00e7\u00e3o. Especialista em Marketing de Conte\u00fado, Design Instrucional, Gest\u00e3o de Pessoas e Psicopedagogia Institucional. Apaixonada pela arte da escrita e amante dos livros t\u00e9cnicos.\",\"url\":\"https:\/\/senhorpanda.com\/fr\/author\/tathiane\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher? - Senhor Panda","description":"Decida entre o cart\u00e3o Havan ou cart\u00e3o Saraiva: n\u00e3o cobram anuidade, oferecem cart\u00e3o adicional gratuito e 40 dias para pagar compras. Confira o comparativo!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/senhorpanda.com\/fr\/cartao-havan-ou-cartao-saraiva\/","og_locale":"fr_FR","og_type":"article","og_title":"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher?","og_description":"Decida entre o cart\u00e3o Havan ou cart\u00e3o Saraiva: n\u00e3o cobram anuidade, oferecem cart\u00e3o adicional gratuito e 40 dias para pagar compras. Confira o comparativo!","og_url":"https:\/\/senhorpanda.com\/fr\/cartao-havan-ou-cartao-saraiva\/","og_site_name":"Senhor Panda","article_published_time":"2021-08-26T12:00:00+00:00","article_modified_time":"2023-02-21T14:58:32+00:00","og_image":[{"url":"https:\/\/ucarecdn.com\/2ba071d0-8e90-42c1-8295-f46a5444a9a5\/"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tathiane Mantovani","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/senhorpanda.com\/#website","url":"https:\/\/senhorpanda.com\/","name":"Senhor Panda","description":"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/senhorpanda.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#primaryimage","url":"https:\/\/ucarecdn.com\/2ba071d0-8e90-42c1-8295-f46a5444a9a5\/","contentUrl":"https:\/\/ucarecdn.com\/2ba071d0-8e90-42c1-8295-f46a5444a9a5\/"},{"@type":"WebPage","@id":"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#webpage","url":"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/","name":"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher? - Senhor Panda","isPartOf":{"@id":"https:\/\/senhorpanda.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#primaryimage"},"datePublished":"2021-08-26T12:00:00+00:00","dateModified":"2023-02-21T14:58:32+00:00","author":{"@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/fdecc1fdccb0778308c8bec2af4e4ea2"},"description":"Decida entre o cart\u00e3o Havan ou cart\u00e3o Saraiva: n\u00e3o cobram anuidade, oferecem cart\u00e3o adicional gratuito e 40 dias para pagar compras. Confira o comparativo!","breadcrumb":{"@id":"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/senhorpanda.com\/cartao-havan-ou-cartao-saraiva\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/senhorpanda.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Cart\u00e3o Havan ou Cart\u00e3o Saraiva: qual escolher?"}]},{"@type":"Person","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/fdecc1fdccb0778308c8bec2af4e4ea2","name":"Tathiane Mantovani","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/8f696ae3d36d5a641875d3654e402f39?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8f696ae3d36d5a641875d3654e402f39?s=96&d=mm&r=g","caption":"Tathiane Mantovani"},"description":"Estrategista de Conte\u00fado, Redatora SEO e Escritora com mais de 9 livros publicados nas \u00e1reas de Recursos Humanos e Seguran\u00e7a do Trabalho. Estudante de Jornalismo. Bacharel em Administra\u00e7\u00e3o. Especialista em Marketing de Conte\u00fado, Design Instrucional, Gest\u00e3o de Pessoas e Psicopedagogia Institucional. Apaixonada pela arte da escrita e amante dos livros t\u00e9cnicos.","url":"https:\/\/senhorpanda.com\/fr\/author\/tathiane\/"}]}},"_links":{"self":[{"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/posts\/31491"}],"collection":[{"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/comments?post=31491"}],"version-history":[{"count":0,"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/posts\/31491\/revisions"}],"wp:attachment":[{"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/media?parent=31491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/categories?post=31491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/senhorpanda.com\/fr\/wp-json\/wp\/v2\/tags?post=31491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}