{"id":45155,"date":"2021-12-08T12:00:00","date_gmt":"2021-12-08T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=45155"},"modified":"2021-12-08T11:55:54","modified_gmt":"2021-12-08T11:55:54","slug":"review-cartao-ponto-frio","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/review-cartao-ponto-frio\/","title":{"rendered":"Examen de la carte Ponto Frio 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>Une carte internationale pleine d&#039;avantages exclusifs pour vous<\/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=\"Confira review cart\u00e3o Ponto Frio. Fonte: Ponto.\"  id=\"45157\" src=\"https:\/\/cdn.adtechpanda.com\/431e1539-e81c-4370-bf5c-ac8da234fdd8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Consultez l\u2019examen de la carte Ponto Frio. Source : Ponto.<\/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, Ponto Frio, aujourd&#039;hui Ponto, est une cha\u00eene de vente au d\u00e9tail fond\u00e9e \u00e0 Rio de Janeiro en 1946. Op\u00e9rant dans les r\u00e9gions du Centre-Ouest, du Sud et du Sud-Est du Br\u00e9sil, elle propose \u00e0 ses clients des milliers de produits des segments les plus divers \u00e0 travers ses magasins physiques. magasins et \u00e9galement e-commerce sur son site officiel. Nous allons donc parler aujourd&#039;hui de l&#039;un des principaux produits propos\u00e9s par la cha\u00eene dans notre revue de la carte Ponto Frio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bien qu&#039;elle soit un produit financier encore plus avantageux pour ceux qui font leurs achats en magasin, la carte est griff\u00e9e et accept\u00e9e dans des millions d&#039;\u00e9tablissements \u00e0 travers le pays et \u00e0 l&#039;\u00e9tranger. Il facture des frais annuels apr\u00e8s une certaine p\u00e9riode, mais les avantages offerts peuvent compenser ce montant si cela correspond \u00e0 vos besoins financiers. Veulent en savoir plus? Alors, consultez le tableau ci-dessous et continuez \u00e0 lire ci-dessous\u00a0!<\/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>Exon\u00e9r\u00e9 pendant les 12 premiers mois <br>12x de R$11.90 \u00e0 partir de la deuxi\u00e8me ann\u00e9e<\/td><\/tr><tr><td>Revenu minimum<\/td><td>R$800.00<\/td><\/tr><tr><td>Drapeau<\/td><td>MasterCard<\/td><\/tr><tr><td>Toit<\/td><td>International<\/td><\/tr><tr><td>Avantages<\/td><td>R\u00e9ductions dans les magasins Ponto\u00a0; <br>Mastercard Surprise\u00a0; <br>R\u00e9ductions sur les programmes culturels.<\/td><\/tr><\/tbody><\/table><figcaption>Mais apr\u00e8s tout, quelles en sont les caract\u00e9ristiques ?<\/figcaption><\/figure>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1nVMXh\">\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-ponto-frio\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Ponto Frio \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/92a3690b-1192-4f8a-85a3-b537f7a17d16\/\" 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-ponto-frio\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Ponto Frio \">\n            Comment demander la carte Ponto Frio         <\/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 Ponto Frio est une option pour ceux qui font habituellement leurs achats en magasin et souhaitent \u00e9conomiser de l&#039;argent. Aussi, pour des achats partout, y compris \u00e0 l\u2019\u00e9tranger. V\u00e9rifier!        <\/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-ponto-frio\/\"  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-ponto-frio\/\"  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\/92a3690b-1192-4f8a-85a3-b537f7a17d16\/\">          \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 Ponto Frio              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-solicitar-o-cartao-ponto-frio\/\"  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><strong>Examen de la carte Ponto Frio : tout ce que vous devez savoir<\/strong><strong><\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tout d&#039;abord, la carte Ponto Frio est \u00e9mise en partenariat avec la banque Ita\u00fa et fonctionne en mode cr\u00e9dit. Bien qu&#039;il s&#039;agisse d&#039;une carte de magasin, elle est accept\u00e9e dans tout \u00e9tablissement accr\u00e9dit\u00e9 sous la marque Mastercard et offre \u00e9galement une couverture internationale pour les achats sur les sites Internet et les \u00e9tablissements physiques \u00e0 l&#039;\u00e9tranger.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, que diriez-vous de d\u00e9couvrir plus en d\u00e9tail les avantages pr\u00e9sent\u00e9s ci-dessus, en plus des principales caract\u00e9ristiques et aspects n\u00e9gatifs de la carte ? Alors, ne perdez pas de temps et continuez \u00e0 lire ci-dessous avec notre revue exclusive de la carte Ponto Frio\u00a0! Allons-y?<\/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><strong>Rente et couverture<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, qual anuidade e qual cobertura do cart\u00e3o? Fonte: Pixabay.\"  id=\"45158\" src=\"https:\/\/cdn.adtechpanda.com\/9e25f82e-0790-4ceb-9cfd-bf824be3ed02\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mais quelle cotisation annuelle et quelle couverture de carte ? Source : Pixabay.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sans aucun doute, le montant des frais annuels est un facteur d\u00e9terminant pour certaines personnes dans la d\u00e9cision de souscrire ou non \u00e0 un produit financier. En ce sens, Ponto propose \u00e0 ses nouveaux clients une exon\u00e9ration de ce forfait mensuel la premi\u00e8re ann\u00e9e. Mais apr\u00e8s cette p\u00e9riode, vous serez factur\u00e9 R$11,90 par mois si vous d\u00e9cidez de conserver la carte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toutefois, cette petite redevance mensuelle peut \u00eatre justifi\u00e9e par la couverture offerte par la carte, qui est internationale. De cette fa\u00e7on, vous avez la libert\u00e9 d&#039;effectuer vos achats en personne ou en ligne dans des millions d&#039;\u00e9tablissements au Br\u00e9sil et dans le monde. De plus, vous pouvez g\u00e9n\u00e9rer des cartes virtuelles jetables via l&#039;application Itaucard et acheter des produits et services sur des sites Web de mani\u00e8re pratique et s\u00fbre.<\/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><strong>Frais aux tarifs<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Il est donc tr\u00e8s important de savoir quels montants vous devez payer pour avoir acc\u00e8s \u00e0 ce produit, et nous allons maintenant en parler dans notre revue de la carte Ponto Frio. Premi\u00e8rement, aucun frais d\u2019adh\u00e9sion n\u2019est factur\u00e9 et les nouveaux clients sont exon\u00e9r\u00e9s de la cotisation annuelle pendant la premi\u00e8re ann\u00e9e d\u2019utilisation. Toutefois, le montant de R$11,90 par mois est factur\u00e9 \u00e0 partir de la deuxi\u00e8me ann\u00e9e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La carte Ponto Frio propose \u00e9galement certains services factur\u00e9s en fonction de l&#039;utilisation. Par exemple, les retraits aux terminaux libre-service Ita\u00fa co\u00fbtent 12,00 R$ par op\u00e9ration, et si vous avez besoin d&#039;un duplicata de la carte, vous devez payer 9,90 R$ \u00e0 l&#039;entreprise. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pour recevoir des informations sur les mouvements par SMS, le co\u00fbt est de R$5,99 par mois. De plus, vous avez la possibilit\u00e9 de souscrire une assurance compte payant garanti et une assurance carte prot\u00e9g\u00e9e, mais vous devez \u00e9galement les payer mensuellement.<\/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><strong>Drapeau et avantages<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Ent\u00e3o, qual a bandeira e quais os benef\u00edcios? Fonte: Pixabay.\"  id=\"45159\" src=\"https:\/\/cdn.adtechpanda.com\/5eb1a959-a0b8-4285-98c1-3ee993e3d6a1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Alors, qu\u2019est-ce que le drapeau et quels en sont les avantages ? Source : Pixabay.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Eh bien, la carte Ponto Frio a toute la cr\u00e9dibilit\u00e9 de la marque Mastercard, l&#039;une des plus accept\u00e9es au monde. De cette fa\u00e7on, vous pouvez \u00eatre s\u00fbr d&#039;acheter un produit fiable pour effectuer vos achats avec toute la s\u00e9curit\u00e9 que seule Mastercard peut vous offrir.<\/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 enregistrer votre carte dans le programme de points Mastercard Surpreenda. Avec lui, vous gagnez un point pour chaque achat effectu\u00e9 et vous pouvez \u00e9changer les points accumul\u00e9s contre des r\u00e9ductions dans diff\u00e9rents \u00e9tablissements et restaurants partenaires de la marque. Gardez simplement un \u0153il sur le site officiel pour v\u00e9rifier les promotions en cours et profiter des avantages !<\/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><strong>Avantages de la carte Ponto Frio<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sans aucun doute, notre revue de la carte Ponto Frio serait incompl\u00e8te si nous ne mentionnions pas les avantages qu&#039;elle offre. Alors, d\u00e9couvrez ce qu\u2019ils sont ci-dessous.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tout d&#039;abord, nous pouvons souligner qu&#039;il s&#039;agit d&#039;une excellente option pour ceux qui font habituellement leurs achats dans les magasins Ponto, car en plus d&#039;offrir des r\u00e9ductions exclusives sur des centaines de produits s\u00e9lectionn\u00e9s, vous pouvez \u00e9galement payer vos achats jusqu&#039;\u00e0 24 versements sans int\u00e9r\u00eat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, gr\u00e2ce au partenariat avec Banco Ita\u00fa, vous avez acc\u00e8s \u00e0 une r\u00e9duction de 50% sur le prix d&#039;entr\u00e9e aux programmes culturels, comme les cin\u00e9mas et th\u00e9\u00e2tres du r\u00e9seau. Et vous pouvez \u00e9galement profiter des avantages de la marque Mastercard avec le programme de r\u00e9compenses Mastercard Surpreenda. Avec lui, vous accumulez des points lors de vos achats et \u00e9changez les points accumul\u00e9s contre des r\u00e9ductions dans des \u00e9tablissements partenaires, comme des magasins et des restaurants.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, votre carte est g\u00e9r\u00e9e enti\u00e8rement en ligne via l&#039;application. L\u00e0, vous pouvez demander une augmentation de limite, g\u00e9n\u00e9rer des cartes virtuelles, v\u00e9rifier votre facture num\u00e9rique et bien d&#039;autres fonctionnalit\u00e9s pratiques dans le confort de votre maison.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2aEUTd\">\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-cartao-de-credito-ponto-frio\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"D\u00e9couvrez la carte de cr\u00e9dit Ponto Frio \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/92a3690b-1192-4f8a-85a3-b537f7a17d16\/\" 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-cartao-de-credito-ponto-frio\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"D\u00e9couvrez la carte de cr\u00e9dit Ponto Frio \">\n            D\u00e9couvrez la carte de cr\u00e9dit Ponto Frio         <\/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 Ponto Frio offre des avantages pour les achats \u00e0 l&#039;int\u00e9rieur et \u00e0 l&#039;ext\u00e9rieur de cet \u00e9tablissement. Apprenez-en plus sur lui et laissez-vous surprendre\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-cartao-de-credito-ponto-frio\/\"  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-cartao-de-credito-ponto-frio\/\"  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\/92a3690b-1192-4f8a-85a3-b537f7a17d16\/\">          \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 Ponto Frio              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/conheca-cartao-de-credito-ponto-frio\/\"  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><strong>Inconv\u00e9nients de la carte Ponto Frio<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais nous ne pouvons pas simplement parler des avantages du produit, n\u2019est-ce pas ? En ce sens, il est important de souligner \u00e9galement les aspects n\u00e9gatifs afin que vous \u00e9valuiez soigneusement toutes les caract\u00e9ristiques pr\u00e9sent\u00e9es avant de demander un emploi.<\/p>\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 Ponto Frio est l&#039;exigence de revenu minimum. En effet, seuls ceux qui gagnent au moins R$800.00 par mois peuvent profiter des avantages offerts par le produit. En d\u2019autres termes, si vous \u00eates travailleur ind\u00e9pendant ou si vous ne pouvez pas prouver vos revenus, il est peu probable que votre demande soit approuv\u00e9e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un autre point n\u00e9gatif est la redevance annuelle. M\u00eame si le magasin propose une exon\u00e9ration la premi\u00e8re ann\u00e9e, vous devrez quand m\u00eame payer les frais mensuels si vous souhaitez conserver la carte apr\u00e8s cette p\u00e9riode.<\/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><strong>Demande de carte<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, qual app do cart\u00e3o? Fonte: Ponto.\"  id=\"45160\" src=\"https:\/\/cdn.adtechpanda.com\/ebe9aa26-a1c0-43d5-a990-3f63ba03a5a0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mais quelle application de carte ? Source : Ponto.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S&#039;agissant d&#039;une carte \u00e9mise en partenariat avec Banco Ita\u00fa, la carte Ponto Frio dispose d&#039;une application exclusive propos\u00e9e par l&#039;institution pour g\u00e9rer toutes les fonctionnalit\u00e9s du produit : Itaucard. Avec lui, vous avez acc\u00e8s \u00e0 votre limite de cr\u00e9dit disponible, \u00e0 votre historique d&#039;achats, \u00e0 vos factures et bien d&#039;autres fonctionnalit\u00e9s pratiques pour am\u00e9liorer votre quotidien.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, t\u00e9l\u00e9chargez l&#039;application d\u00e8s maintenant et profitez de tous ces avantages ! Il est disponible en t\u00e9l\u00e9chargement gratuit sur les boutiques en ligne App Store et Google Play et est tr\u00e8s simple \u00e0 utiliser. De cette fa\u00e7on, vous avez le contr\u00f4le de vos finances dans la paume de votre main !<\/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><strong>Processus de demande<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enfin, nous ne pouvions pas terminer notre examen de la carte Ponto Frio sans parler du processus de demande, n&#039;est-ce pas ? Eh bien, le processus de demande est simple et peut \u00eatre effectu\u00e9 de deux mani\u00e8res\u00a0: via le site officiel de l&#039;entreprise ou en personne dans n&#039;importe quel magasin Ponto de votre choix.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, pour demander votre carte via la plateforme num\u00e9rique, il suffit d&#039;acc\u00e9der au site Ponto Frio et de cliquer sur \u00ab Carte Ponto \u00bb. Lisez ensuite attentivement les informations pr\u00e9sent\u00e9es sur la page d\u2019informations sur le produit, puis cliquez sur \u00ab commandez votre carte maintenant \u00bb. Pour continuer le processus, vous devez vous inscrire sur le site Web Ponto. Ainsi, si vous n&#039;\u00eates pas encore client de la boutique, retournez sur la page d&#039;accueil et cr\u00e9ez votre compte avant de poursuivre la commande.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Apr\u00e8s avoir renseign\u00e9 votre CPF dans le champ pr\u00e9vu \u00e0 cet effet, une analyse de cr\u00e9dit rapide est effectu\u00e9e pour \u00e9valuer si la carte est disponible pour votre profil financier. Cette analyse d\u00e9finit \u00e9galement votre limite de cr\u00e9dit. Si tout est en ordre, attendez simplement que le produit soit livr\u00e9 \u00e0 l&#039;adresse indiqu\u00e9e lors de votre inscription.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais si vous pr\u00e9f\u00e9rez, vous pouvez \u00e9galement demander votre carte en personne \u00e0 l&#039;un des pr\u00e9pos\u00e9s des magasins Ponto Frio. Pr\u00e9sentez-vous simplement avec vos documents, ainsi qu\u2019un justificatif de revenus et de r\u00e9sidence.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et si vous avez encore des questions sur la marche \u00e0 suivre pour demander cet excellent produit de cr\u00e9dit, consultez le contenu recommand\u00e9 ci-dessous avec plus de d\u00e9tails sur le processus de demande\u00a0!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZkII1I\">\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-ponto-frio\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Ponto Frio \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/92a3690b-1192-4f8a-85a3-b537f7a17d16\/\" 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-ponto-frio\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment demander la carte Ponto Frio \">\n            Comment demander la carte Ponto Frio         <\/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 Ponto Frio est une option pour ceux qui font habituellement leurs achats en magasin et souhaitent \u00e9conomiser de l&#039;argent. Aussi, pour des achats partout, y compris \u00e0 l\u2019\u00e9tranger. V\u00e9rifier!        <\/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-ponto-frio\/\"  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 ? 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Veulent en savoir plus? 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