{"id":39631,"date":"2021-10-16T23:00:00","date_gmt":"2021-10-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=39631"},"modified":"2021-10-16T20:12:02","modified_gmt":"2021-10-16T20:12:02","slug":"parcelamento-cartao-de-credito","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/parcelamento-cartao-de-credito\/","title":{"rendered":"5 bonnes pratiques pour les versements par carte de cr\u00e9dit"},"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-saiba-como-parcelar-compras-no-cart%C3%A3o-de-cr%C3%A9dito-sem-comprometer-a-sua-renda-mensal\">Saiba como parcelar compras no cart\u00e3o de cr\u00e9dito sem comprometer a sua renda mensal<\/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=\"5 boas pr\u00e1ticas sobre o parcelamento do cart\u00e3o de cr\u00e9dito. Fonte: Unsplash.\"  id=\"39632\" src=\"https:\/\/ucarecdn.com\/0ee98b38-546f-4c17-bf39-ae023998a741\/-\/crop\/2069x1188\/0,89\/-\/preview\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >5 boas pr\u00e1ticas sobre o parcelamento do cart\u00e3o de cr\u00e9dito. Fonte: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de mais nada, o cart\u00e3o de cr\u00e9dito pode ser um \u00f3timo aliado quando utilizado de forma correta. Assim, com um bom planejamento financeiro, \u00e9 poss\u00edvel efetuar compras de forma parcelada sem passar nenhum sufoco com os pagamentos. Mas, voc\u00ea sabe como funciona o parcelamento do cart\u00e3o de cr\u00e9dito?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, hoje vamos abordar esta quest\u00e3o, al\u00e9m de outros pontos importantes sobre parcelamento. Assim, voc\u00ea entende como fazer do seu cart\u00e3o o seu melhor amigo e evita perder o controle das suas finan\u00e7as! Quer saber mais? Continue a leitura, a seguir!<\/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=\"1-parcelamento-do-cart%C3%A3o-de-cr%C3%A9dito-como-funciona-\"><strong>Parcelamento do cart\u00e3o de cr\u00e9dito: como funciona?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, a institui\u00e7\u00e3o financeira disponibiliza um limite de cr\u00e9dito para o portador do cart\u00e3o. Esse valor \u00e9 \u00fanico e pode ser utilizado para compras \u00e0 vista ou parcelada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, ao fazer sua compra, voc\u00ea tem a op\u00e7\u00e3o de pagar o valor total em uma \u00fanica parcela ou dividi-lo em parcelas fixas mensais. Se optar pela segunda op\u00e7\u00e3o, o valor pago pelo produto fica comprometido at\u00e9 que sejam feitos todos os pagamentos.\u00a0<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ln5qC\">\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\/cartoes-para-negativados\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"6 options de cartes pour les personnes n\u00e9gatives en 2021\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cf6c8038-da79-4432-965a-21ecf6fcc6d6\/\" 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\/cartoes-para-negativados\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"6 options de cartes pour les personnes n\u00e9gatives en 2021\">\n            6 options de cartes pour les personnes n\u00e9gatives en 2021        <\/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            Se voc\u00ea est\u00e1 negativado e precisa de um cart\u00e3o de cr\u00e9dito para controlar as suas finan\u00e7as, hoje trouxemos as 6 melhores op\u00e7\u00f5es do mercado. 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Fonte: Unsplash.\"  id=\"39633\" src=\"https:\/\/ucarecdn.com\/4d6d43bd-a40b-4161-b956-229c70e7baf1\/-\/crop\/1780x1119\/0,661\/-\/preview\/\" 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, quais s\u00e3o as boas pr\u00e1ticas sobre o parcelamento do cart\u00e3o de cr\u00e9dito? Fonte: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Um erro comum entre as pessoas que possuem cart\u00f5es de cr\u00e9dito \u00e9 acreditar que o limite dispon\u00edvel est\u00e1 l\u00e1 para ser utilizado por completo. Assim, acabam adquirindo d\u00edvidas que v\u00e3o al\u00e9m de sua renda mensal e, por conta disso, n\u00e3o conseguem honrar com o pagamento das faturas.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, a compra parcelada tamb\u00e9m pode ser um problema se voc\u00ea n\u00e3o entende muito bem como ela funciona. Por isso, trouxemos algumas dicas para te ajudar com esta quest\u00e3o. Dessa forma, voc\u00ea faz as suas compras com a certeza de que n\u00e3o ter\u00e1 dores de cabe\u00e7a no futuro! Vamos l\u00e1? <\/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=\"3-1-planejamento-financeiro-de-compras-parceladas-\">1. <strong>Planejamento financeiro de compras parceladas<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de mais nada, \u00e9 importante n\u00e3o cair na tenta\u00e7\u00e3o de fazer muitos parcelamentos, principalmente se o limite do seu cart\u00e3o for al\u00e9m da sua renda mensal. Isso porque o valor disponibilizado a voc\u00ea pelo banco funciona como um empr\u00e9stimo e voc\u00ea precisa devolver o que foi gasto atrav\u00e9s do pagamento das faturas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, parcelar uma compra \u00e9 contar com um dinheiro que voc\u00ea ainda n\u00e3o tem. Imprevistos financeiros acontecem e o n\u00e3o pagamento de uma fatura com v\u00e1rias compras parceladas pode virar uma enorme bola de neve.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, antes de solicitar o parcelamento, verifique se o valor mensal cabe em seu or\u00e7amento e calcule todas as vari\u00e1veis para que mesmo com um imprevisto, voc\u00ea consiga efetuar o pagamento integral e na data de vencimento<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, d\u00ea prefer\u00eancia a pagamentos \u00e0 vista e s\u00f3 utilize o cart\u00e3o de cr\u00e9dito em caso de emerg\u00eancias ou se precisar comprar um produto com um valor elevado.<\/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=\"4-2-cuidar-com-o-uso-do-limite-do-cart%C3%A3o-\">2. <strong>Cuidar com o uso do limite do cart\u00e3o<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de tudo, \u00e9 preciso ficar de olho no saldo do seu cart\u00e3o ao fazer uma compra parcelada. Isso porque o parcelamento compromete o limite at\u00e9 que voc\u00ea termine de efetuar todos os pagamentos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, se o limite do seu cart\u00e3o \u00e9 de R$2.000,00 e voc\u00ea efetuar uma compra de R$1.500,00 em dez parcelas, voc\u00ea fica apenas com R$500,00 dispon\u00edveis para compras futuras. O banco restabelece o valor da parcela atrav\u00e9s do pagamento da fatura, mas voc\u00ea s\u00f3 consegue reaver o limite total ap\u00f3s quitar a compra.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, s\u00f3 \u00e9 poss\u00edvel efetuar a compra parcelada se voc\u00ea tiver o valor total do produto dispon\u00edvel no limite. Caso contr\u00e1rio, a compra n\u00e3o \u00e9 autorizada.&nbsp;<\/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=\"5-3-evitar-pagar-apenas-o-m%C3%ADnimo-do-cart%C3%A3o-\">3. <strong>Evitar pagar apenas o m\u00ednimo do cart\u00e3o<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois bem, a sua fatura chegou e voc\u00ea n\u00e3o tem dinheiro o suficiente para efetuar o pagamento no valor integral. Ent\u00e3o, o que fazer? Pagar o valor m\u00ednimo \u00e0s vezes parece uma boa sa\u00edda, mas n\u00e3o \u00e9! Isso porque os juros do rotativo dos cart\u00f5es de cr\u00e9dito costumam ser bem altos. Al\u00e9m disso, voc\u00ea ter\u00e1 de arcar com o valor restante da fatura e das parcelas a vencer no m\u00eas seguinte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, fuja do pagamento m\u00ednimo do cart\u00e3o! Se n\u00e3o puder emprestar o valor total da fatura com um parente ou amigo, apele para o empr\u00e9stimo pessoal. Essa modalidade de cr\u00e9dito costuma ter juros menores e pode ser uma boa alternativa na hora do aperto.<\/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=\"6-4-atente-se-aos-descontos-programas-de-cashback-e-ac%C3%BAmulo-de-milhas-\">4. <strong>Atente-se aos descontos, programas de cashback e ac\u00famulo de milhas<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sem d\u00favida, conseguir um cart\u00e3o de cr\u00e9dito nos dias de hoje n\u00e3o \u00e9 nenhuma tarefa imposs\u00edvel. Sabendo disso, os bancos e as bandeiras emissoras de cart\u00e3o precisam inovar para chamar a aten\u00e7\u00e3o de clientes em potencial e, para isso, oferecem diversos benef\u00edcios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, fique atento aos programas de recompensa do seu cart\u00e3o. Alguns bancos oferecem cashback que podem ser trocados por desconto na fatura, bem como programa de milhas, descontos em programas culturais e em lojas parceiras.\u00a0<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-5-n%C3%A3o-parcelar-contas-fixas-no-cart%C3%A3o-de-cr%C3%A9dito-\">5. <strong>N\u00e3o parcelar contas fixas no cart\u00e3o de cr\u00e9dito<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lembre-se de que um bom planejamento financeiro tamb\u00e9m evita que voc\u00ea precise parcelar contas fixas (\u00e1gua, luz, internet e etc.) no seu cart\u00e3o de cr\u00e9dito. Essa pr\u00e1tica deve ser evitada a todo custo porque, al\u00e9m de a administradora do cart\u00e3o cobrar uma taxa por isso, voc\u00ea ter\u00e1 as mesmas despesas a serem pagas no m\u00eas seguinte.\u00a0<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"8-quando-parcelar-as-compras-no-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Quando parcelar as compras no cart\u00e3o de cr\u00e9dito?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, ent\u00e3o, quando devemos utilizar o cart\u00e3o para compras parceladas? A resposta \u00e9 simples: quando o valor do produto for superior \u00e0 sua capacidade de pagamento \u00e0 vista. Por\u00e9m, n\u00e3o \u00e9 t\u00e3o simples assim! <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de efetuar a compra, coloque na ponta do l\u00e1pis o valor das parcelas e avalie se consegue arcar com os pagamentos. Se a resposta for negativa, n\u00e3o arrisque.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se a compra em quest\u00e3o n\u00e3o for emergencial, experimente juntar o valor para comprar \u00e0 vista no futuro.<\/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=\"9-vale-a-pena-fazer-parcelamento-da-fatura-do-cart%C3%A3o-\"><strong>Vale a pena fazer parcelamento da fatura do cart\u00e3o?<\/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=\"Ent\u00e3o, vale a pena fazer o parcelamento da fatura? Fonte: Unsplash.\"  id=\"39634\" src=\"https:\/\/ucarecdn.com\/6bea8795-a3b5-4d1f-b6b0-559d918b76c2\/-\/crop\/2073x1204\/0,52\/-\/preview\/\" 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, vale a pena fazer o parcelamento da fatura? Fonte: Unsplash.<\/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, se a situa\u00e7\u00e3o financeira apertar, vale a pena parcelar a fatura do cart\u00e3o? De forma alguma. Isso porque os juros cobrados nesse tipo de parcelamento est\u00e3o entre os mais altos do mercado e perdem somente para os juros do rotativo dos cart\u00f5es de cr\u00e9dito.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, busque outras alternativas para efetuar o pagamento do seu d\u00e9bito. Aposentados, pensionistas do INSS e servidores p\u00fablicos podem recorrer ao empr\u00e9stimo consignado. Esta linha de cr\u00e9dito possui condi\u00e7\u00f5es especiais de pagamento, al\u00e9m das taxas de juros mais baixas dentre os empr\u00e9stimos banc\u00e1rios dispon\u00edveis.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, se voc\u00ea n\u00e3o se enquadra nessas categorias, converse com o gerente do seu banco sobre um empr\u00e9stimo pessoal. Embora n\u00e3o seja a op\u00e7\u00e3o ideal, os juros de um empr\u00e9stimo s\u00e3o muito inferiores aos juros do cart\u00e3o de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, veja a nossa lista dos melhores empr\u00e9stimos com as menores taxas de juros, a seguir.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-23o9iP\">\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\/10-emprestimos-com-as-menores-taxas-de-juros\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"10 pr\u00eats aux taux d\u2019int\u00e9r\u00eat les plus bas\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3bfed167-7e21-4537-91a8-644e888cee93\/-\/crop\/3375x1985\/0,265\/-\/preview\/\" 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\/10-emprestimos-com-as-menores-taxas-de-juros\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"10 pr\u00eats aux taux d\u2019int\u00e9r\u00eat les plus bas\">\n            10 pr\u00eats aux taux d\u2019int\u00e9r\u00eat les plus bas        <\/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            Avez-vous un besoin urgent d\u2019argent pour blanchir votre nom ? 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Ent\u00e3o, leia este post e confira as principais boas pr\u00e1ticas para evitar problemas com o parcelamento.<\/p>","protected":false},"author":21,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25,38],"tags":[179,1983,237],"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>5 boas pr\u00e1ticas sobre parcelamento do cart\u00e3o de cr\u00e9dito - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Que tal saber como funciona o parcelamento do cart\u00e3o de cr\u00e9dito e o que fazer para n\u00e3o comprometer sua renda? 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