{"id":34301,"date":"2021-09-11T23:01:00","date_gmt":"2021-09-11T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=34301"},"modified":"2021-09-10T20:11:49","modified_gmt":"2021-09-10T20:11:49","slug":"review-cartao-saraiva","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/review-cartao-saraiva\/","title":{"rendered":"Examen de la carte Saraiva 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-conhe%C3%A7a-o-cart%C3%A3o-sem-anuidade-com-descontos-exclusivos-nas-lojas-saraiva\">D\u00e9couvrez la carte sans frais annuels avec des r\u00e9ductions exclusives dans les magasins Saraiva<\/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=\"Conhe\u00e7a mais sobre o cart\u00e3o. Fonte: Saraiva.\"  id=\"26890\" src=\"https:\/\/ucarecdn.com\/664963c0-c0b5-448c-b098-32ed2c7ead0f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Apprenez-en davantage sur la carte. Source : Saraiva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tout d&#039;abord, dans cette revue de la carte Saraiva, vous d\u00e9couvrirez toutes les caract\u00e9ristiques, avantages et inconv\u00e9nients de cette carte de cr\u00e9dit. En partenariat avec Banco do Brasil, la carte Saraiva offre des r\u00e9ductions exclusives aux utilisateurs et pourrait \u00eatre le choix id\u00e9al pour vous. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En plus d&#039;\u00eatre exon\u00e9r\u00e9e de frais annuels, la carte de cr\u00e9dit Saraiva porte la marque Visa et ses clients font partie du programme d&#039;avantages de la marque. En effet, la carte est utilisable \u00e0 l\u2019international et vous accumulez m\u00eame des points pouvant \u00eatre transform\u00e9s en miles a\u00e9riens. Voir plus de fonctionnalit\u00e9s ci-dessous.<\/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>Rente<\/td><td>Exempter<\/td><\/tr><tr><td>Revenu minimum<\/td><td>Pas inform\u00e9<\/td><\/tr><tr><td>Drapeau<\/td><td>Visa<\/td><\/tr><tr><td>Toit<\/td><td>International<\/td><\/tr><tr><td>Avantages<\/td><td>Programme de r\u00e9duction<br>Retraits aux terminaux Banco24h<br>Programme Saraiva Plus<br>Cartes suppl\u00e9mentaires<\/td><\/tr><\/tbody><\/table><figcaption>Voir les caract\u00e9ristiques de la carte.<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-21cGa4\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-saraiva\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Saraiva\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3662a23e-bd88-489e-84f4-1f09d731fc83\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-saraiva\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"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            La carte de cr\u00e9dit Saraiva propose d&#039;excellents programmes de r\u00e9compenses. Alors d\u00e9couvrez d\u00e8s maintenant tout ce qu\u2019il faut savoir pour demander le v\u00f4tre.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-saraiva\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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-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\/3662a23e-bd88-489e-84f4-1f09d731fc83\/\">          \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\/como-solicitar-o-cartao-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><!--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-saraiva-tudo-o-que-voc%C3%AA-precisa-saber\">Examen de la carte Saraiva : tout ce que vous devez savoir<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Premi\u00e8rement, Saraiva est un magasin de livres et d\u2019\u00e9lectronique tr\u00e8s bien \u00e9tabli dans le pays. Fond\u00e9e en 1914, elle compte actuellement environ 20% du march\u00e9 br\u00e9silien du livre. L&#039;entreprise a ainsi conclu un partenariat avec Banco do Brasil pour \u00e9mettre ses cartes de cr\u00e9dit sous la marque Visa. Alors ne vous inqui\u00e9tez pas, les cartes Saraiva sont totalement s\u00fbres.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Eh bien, vous ne pouvez demander votre carte Saraiva que via le site Web de Saraiva ou de Banco do Brasil, ou m\u00eame via l&#039;application. Autrement dit, il ne sera pas possible de s\u2019inscrire en personne dans les magasins physiques.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, la carte Saraiva n&#039;a pas de frais annuels et vous pouvez l&#039;utiliser au niveau national et international. En effet, parce qu&#039;elle porte la marque Visa, la carte est accept\u00e9e dans des millions d&#039;\u00e9tablissements \u00e0 travers le monde.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, vous participez aux programmes d&#039;avantages de la marque, ainsi qu&#039;\u00e0 des remises et des versements exclusifs pour les achats dans les magasins Saraiva. Par cons\u00e9quent, continuez \u00e0 lire notre revue de la carte Saraiva et d\u00e9couvrez-en plus.<\/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>Au d\u00e9part, la carte Saraiva devient assez attractive puisqu&#039;elle ne facture pas de frais annuels \u00e0 ses utilisateurs. De plus, la carte ne n\u00e9cessite pas de d\u00e9pense minimum par mois pour \u00eatre exon\u00e9r\u00e9e de ces frais. Ainsi, m\u00eame si vous n\u2019utilisez pas votre carte Saraiva, vous serez toujours exon\u00e9r\u00e9 du paiement de la cotisation annuelle.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, vous pouvez utiliser votre carte Saraiva dans les magasins br\u00e9siliens et \u00e9trangers, ou m\u00eame lorsque vous voyagez \u00e0 l&#039;\u00e9tranger, car sa couverture est internationale.<\/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-a-tarifas\">Frais aux tarifs<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, selon le site officiel, la carte Saraiva n&#039;a pas de frais annuels, de frais d&#039;adh\u00e9sion ou de frais de maintenance. Attention toutefois aux retraits aux terminaux Banco24h, car ils peuvent facturer des frais et des int\u00e9r\u00eats.<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Eh bien, la marque propos\u00e9e pour la carte Saraiva est Visa. Avec lui, vous participez au programme Vai de Visa, en plus d&#039;accumuler des points \u00e9changeables contre des miles a\u00e9riens. Visitez le site officiel de la marque pour en savoir plus sur les r\u00e9gimes d&#039;avantages sociaux.<\/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-saraiva\">Avantages de la carte Saraiva<\/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=\"Afinal, quais as vantagens? Fonte: Pexels.\"  id=\"34303\" src=\"https:\/\/ucarecdn.com\/d237cbbc-96eb-4804-86bc-b751ca32fcef\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Apr\u00e8s tout, quels sont les avantages ? Source : Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La carte de cr\u00e9dit Saraiva pr\u00e9sente plusieurs avantages qui la rendent tr\u00e8s attractive aupr\u00e8s du public. D\u00e9couvrez-en quelques-uns maintenant.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tout d\u2019abord, ce qui ressort le plus de la carte Saraiva est l\u2019exon\u00e9ration des frais annuels. Par cons\u00e9quent, il n\u2019y a pas non plus d\u2019exigence de d\u00e9penses mensuelles minimales pour que les clients soient exon\u00e9r\u00e9s des frais. En effet, vous pouvez \u00e9galement demander jusqu&#039;\u00e0 4 cartes suppl\u00e9mentaires, toutes \u00e9galement exon\u00e9r\u00e9es de frais annuels.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, la carte participe au programme Vai de Visa et accumule \u00e9galement des points qui peuvent \u00eatre \u00e9chang\u00e9s contre des miles a\u00e9riens via le programme de r\u00e9compenses BB. De plus, vous participez \u00e9galement au programme Saraiva Plus, accumulant des points \u00e0 chaque achat pouvant \u00eatre \u00e9chang\u00e9s contre des remises en esp\u00e8ces dans les magasins.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vous pouvez toujours g\u00e9rer votre carte Saraiva via l&#039;application Ourocard. Avec lui, vous pouvez bloquer ou d\u00e9bloquer votre carte, g\u00e9rer vos d\u00e9penses, g\u00e9n\u00e9rer des cartes virtuelles pour les achats en ligne, entre autres fonctionnalit\u00e9s.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enfin, vous pouvez \u00e9galement effectuer des retraits d&#039;esp\u00e8ces aux distributeurs Banco do Brasil ou aux terminaux Banco24h. Mais attention aux frais d\u2019int\u00e9r\u00eats ! Vous pourriez vous retrouver endett\u00e9.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZlImEV\">\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=\"D\u00e9couvrez la carte de cr\u00e9dit Saraiva\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3662a23e-bd88-489e-84f4-1f09d731fc83\/\" 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=\"D\u00e9couvrez la carte de cr\u00e9dit Saraiva\">\n            D\u00e9couvrez la carte de cr\u00e9dit 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            La carte de cr\u00e9dit Saraiva propose deux excellents programmes de r\u00e9compense : Saraiva Plus et Miles A\u00e9reas. Voulez-vous en savoir plus sur lui ? Alors lisez cet article et v\u00e9rifiez-le\u00a0!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/fr\/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\/3662a23e-bd88-489e-84f4-1f09d731fc83\/\">          \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 la carte de cr\u00e9dit 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><!--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-saraiva\">Inconv\u00e9nients de la carte Saraiva<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, le principal inconv\u00e9nient de la carte Saraiva est que son approbation peut \u00eatre assez bureaucratique pour les personnes qui ne sont pas clientes de Banco do Brasil. Par cons\u00e9quent, si vous n\u2019\u00eates pas titulaire d\u2019un compte, le processus peut prendre un peu plus de temps pour vous.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En ce sens, l\u2019analyse de cr\u00e9dit prend \u00e9galement un peu de temps. Par cons\u00e9quent, si votre proposition est rejet\u00e9e ou si elle obtient un score inf\u00e9rieur, vous courez le risque de voir votre proposition rejet\u00e9e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, les achats avec la carte Saraiva ne g\u00e9n\u00e8rent pas de points tr\u00e8s significatifs pour \u00e9changer des avantages en magasin. Vous pouvez donc trouver d\u2019autres options de cartes sans frais annuels qui sont plus avantageuses pour vous. Mais il est important de dire que tout d\u00e9pend de votre profil de consommateur.<\/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>Eh bien, comme mentionn\u00e9 pr\u00e9c\u00e9demment, la carte Saraiva dispose d&#039;une application Ourocard. Avec lui vous pourrez g\u00e9rer vos d\u00e9penses, bloquer votre carte en cas de perte ou de vol, d\u00e9bloquer votre nouvelle carte ou encore faire votre demande.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>L&#039;application est tr\u00e8s intuitive et vous y avez acc\u00e8s m\u00eame si vous n&#039;\u00eates pas titulaire d&#039;un compte Banco do Brasil, il suffit de vous inscrire. En fait, il est disponible pour Android et iOS.<\/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-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=\"Veja como solicitar. Fonte: Pexels.\"  id=\"34304\" src=\"https:\/\/ucarecdn.com\/c9cc034c-52e7-45ec-9fea-753469395ab2\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Voyez comment faire une demande. Source : Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si vous avez lu l&#039;int\u00e9gralit\u00e9 de notre revue de la carte Saraiva et que vous souhaitez demander la v\u00f4tre, ne vous inqui\u00e9tez pas, nous vous aiderons.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Premi\u00e8rement, si vous \u00eates titulaire d&#039;un compte Banco do Brasil, vous devez t\u00e9l\u00e9charger l&#039;application Ourocard et vous inscrire. Apr\u00e8s vous \u00eatre connect\u00e9 avec votre mot de passe, vous devez s\u00e9lectionner l&#039;option \u00ab Carte \u00bb sur la page d&#039;accueil. S\u00e9lectionnez ensuite l\u2019option \u00ab Demander une carte \u00bb et choisissez l\u2019option de carte souhait\u00e9e. Il ne vous reste plus qu&#039;\u00e0 attendre que la carte arrive \u00e0 votre adresse.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, si vous n\u2019\u00eates pas titulaire d\u2019un compte Banco do Brasil, vous pouvez \u00e9galement en faire la demande via l\u2019application. Pour ce faire, vous devez ouvrir l&#039;application et s\u00e9lectionner l&#039;option \u00ab\u00a0Produits pour moi\u00a0\u00bb. Ensuite, vous devez saisir votre CPF et s\u00e9lectionner \u00ab Carte bancaire \u00bb. Ensuite, suivez les instructions de l&#039;application pour lib\u00e9rer votre appareil t\u00e9l\u00e9phonique.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Il est important de noter que vous devez avoir en main vos documents personnels, tels que pi\u00e8ce d\u2019identit\u00e9 et CPF, ainsi qu\u2019un justificatif de revenus et un justificatif de domicile. Vous devez donc attendre l\u2019analyse de votre proposition, ce qui peut prendre jusqu\u2019\u00e0 3 jours ouvrables.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par cons\u00e9quent, si votre demande est approuv\u00e9e, vous devez acc\u00e9der \u00e0 l&#039;application en suivant les m\u00eames \u00e9tapes mentionn\u00e9es ci-dessus et choisir la carte souhait\u00e9e. Pr\u00eat! Il ne vous reste plus qu&#039;\u00e0 attendre que la carte arrive \u00e0 l&#039;adresse indiqu\u00e9e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, \u00eates-vous int\u00e9ress\u00e9 et souhaitez conna\u00eetre les d\u00e9tails \u00e9tape par \u00e9tape ? Eh bien, acc\u00e9dez \u00e0 notre contenu ci-dessous\u00a0!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1Nsekn\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-saraiva\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Saraiva\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3662a23e-bd88-489e-84f4-1f09d731fc83\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-saraiva\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"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            La carte de cr\u00e9dit Saraiva propose d&#039;excellents programmes de r\u00e9compenses. Alors d\u00e9couvrez d\u00e8s maintenant tout ce qu\u2019il faut savoir pour demander le v\u00f4tre.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-saraiva\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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-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\/3662a23e-bd88-489e-84f4-1f09d731fc83\/\">          \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\/como-solicitar-o-cartao-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>","protected":false},"excerpt":{"rendered":"<p>Dans cette revue de la carte Saraiva, vous pouvez v\u00e9rifier ses principales caract\u00e9ristiques pour d\u00e9cider si cette carte est id\u00e9ale pour vous. Dot\u00e9e d&#039;avantages, comme l&#039;exon\u00e9ration des frais annuels, la carte porte la marque Visa et peut \u00eatre utilis\u00e9e dans des milliers d&#039;\u00e9tablissements. D\u00e9couvrez-en plus ici\u00a0!<\/p>","protected":false},"author":21,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[465,439,1815,1005],"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 Saraiva 2021 - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Confira nosso review do cart\u00e3o Saraiva e descubra suas vantagens e descontos exclusivos, al\u00e9m de benef\u00edcios das lojas Saraiva! 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