{"id":27199,"date":"2021-08-11T12:00:00","date_gmt":"2021-08-11T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=27199"},"modified":"2021-08-10T14:44:28","modified_gmt":"2021-08-10T14:44:28","slug":"cartao-submarino-ou-cartao-shoptime-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/cartao-submarino-ou-cartao-shoptime-qual-o-melhor\/","title":{"rendered":"Kartu Submarino atau Kartu Shoptime: mana yang lebih baik?"},"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-submarino-x-shoptime-descubra-qual-escolher-\"><strong>Submarino x Shoptime: descubra qual escolher<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Submarino ou Cart\u00e3o Shoptime: qual o melhor? Fonte: Pexels.\"  id=\"28282\" src=\"https:\/\/ucarecdn.com\/c9df5bc6-cba0-4208-ba12-a2442d0e4a38\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Submarino ou Cart\u00e3o Shoptime: qual o melhor? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De in\u00edcio, o Cart\u00e3o Submarino ou Cart\u00e3o Shoptime s\u00e3o duas op\u00e7\u00f5es de cart\u00f5es que est\u00e3o entre os melhores do mercado. Isso porque contam com v\u00e1rias ofertas para voc\u00ea poder fazer compras nas lojas Submarino e Shoptime e em outras diversas nacionais e internacionais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jadi, untuk mempelajari lebih lanjut tentang kelebihan dan kekurangan kartu-kartu ini, kami memberikan perbandingan untuk Anda analisis. Periksa!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-memHg\">\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\/id\/como-solicitar-cartao-submarino\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Submarino\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f850bab9-a1ac-403a-ba82-52af392ce234\/\" 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\/id\/como-solicitar-cartao-submarino\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Submarino\">\n            Cara mengajukan kartu Submarino        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Descubra agora como solicitar o cart\u00e3o Submarino de forma simples e 100% online.\n\n        <\/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\/id\/como-solicitar-cartao-submarino\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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\/id\/como-solicitar-cartao-submarino\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/f850bab9-a1ac-403a-ba82-52af392ce234\/\">          \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                Cara mengajukan kartu Submarino              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-cartao-submarino\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1v23Qe\">\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\/id\/como-solicitar-o-cartao-shoptime\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Shoptime\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\" 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\/id\/como-solicitar-o-cartao-shoptime\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Shoptime\">\n            Cara mengajukan kartu Shoptime        <\/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            O cart\u00e3o Shoptime tem bandeira Visa, oferece descontos e condi\u00e7\u00f5es especiais de pagamento. Veja, hoje, como pedi-lo!\n\n        <\/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\/id\/como-solicitar-o-cartao-shoptime\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <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\/id\/como-solicitar-o-cartao-shoptime\/\"  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\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\">          \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                Cara mengajukan kartu Shoptime              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-o-cartao-shoptime\/\"  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                    Teruslah Membaca                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Anda akan tetap berada di situs web yang sama              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Kapal selam<\/strong><\/td><td><strong>waktu belanja<\/strong><\/td><\/tr><tr><td><strong>Penghasilan Minimal<\/strong><\/td><td>Upah minimum<\/td><td>Upah minimum<\/td><\/tr><tr><td><strong>Anuitas<\/strong><\/td><td>12x dari R$ 15.70<\/td><td>12x dari R$ 15.70<\/td><\/tr><tr><td><strong>Bendera<\/strong><\/td><td>Visa<\/td><td>Visa<\/td><\/tr><tr><td><strong>Atap<\/strong><\/td><td>Internasional<\/td><td>Internasional<\/td><\/tr><tr><td><strong>Manfaat<\/strong><\/td><td>Descontos e ofertas exclusivas no Submarino<\/td><td>Descontos e ofertas exclusivas no Shoptime<\/td><\/tr><\/tbody><\/table><figcaption>Tapi, bagaimanapun juga, kartu apa yang terbaik?<\/figcaption><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-cart%C3%A3o-submarino\">Kartu Kapal Selam<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o cart\u00e3o Submarino \u00e9 um modelo de cart\u00e3o de cr\u00e9dito com um \u00f3timo programa de descontos na loja Submarino.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, conta com uma taxa de anuidade baixa, cerca de R$15,70 ao m\u00eas e voc\u00ea precisa ter renda m\u00ednima de um sal\u00e1rio m\u00ednimo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, o cart\u00e3o de cr\u00e9dito tamb\u00e9m possui taxas que devem ser pagas na utiliza\u00e7\u00e3o dos servi\u00e7os que giram em torno de R$188,40 ao ano, mas, te d\u00e1 em troca um excelente custo-benef\u00edcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, o cart\u00e3o Submarino possui a bandeira Visa e, te d\u00e1 direito a todos os benef\u00edcios da bandeira, sendo emitido pelo Banco Cetelem que mesmo sendo um banco pequeno dentro do Brasil, faz parte do grande grupo do BNP Paribas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, voc\u00ea pode fazer a solicita\u00e7\u00e3o do cart\u00e3o Submarino atrav\u00e9s do site da loja, preenchendo o formul\u00e1rio e, assim, aguardar a an\u00e1lise de cr\u00e9dito que costuma ser demorada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, o Submarino n\u00e3o cita qual score de cr\u00e9dito \u00e9 necess\u00e1rio para ter a aprova\u00e7\u00e3o do cart\u00e3o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-shoptime\">Kartu waktu belanja<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, o Shoptime foi criado no ano de 1995 se tornando famosos por um ter um canal de TV pr\u00f3prio com programa\u00e7\u00e3o 24h para apresentar, mostrar e vender produtos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, hoje, pertence ao grupo B2W Digital e tamb\u00e9m possui um site com diversos produtos como celulares, fraldas, m\u00f3veis e v\u00e1rios outros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, disponibiliza o cart\u00e3o Shoptime, servi\u00e7o de cr\u00e9dito com condi\u00e7\u00f5es exclusivas de pagamentos e v\u00e1rias outras vantagens como formas de pagamento, custos e outras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o cart\u00e3o Shoptime \u00e9 um produto financeiro de cr\u00e9dito comum que, possui a bandeira Visa. Ele oferece diversas fun\u00e7\u00f5es e vantagens mediante o pagamento de anuidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, para solicitar o cart\u00e3o, basta entrar no site da loja Shoptime, clicar em &#8220;Cart\u00e3o Shoptime, em seguida, clicar em &#8220;Todos os benef\u00edcios&#8221;. O pr\u00f3ximo passo \u00e9 rolar a p\u00e1gina at\u00e9 o item &#8220;Como pedir&#8221; e preencher o formul\u00e1rio. Nesse caso, \u00e9 necess\u00e1rio fazer login e inserir todos os dados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, a sua solicita\u00e7\u00e3o ir\u00e1 passar por uma an\u00e1lise e dentro de alguns dias voc\u00ea receber\u00e1 o retorno da empresa no e-mail cadastrado. Depois disso, o seu cart\u00e3o ser\u00e1 enviado em at\u00e9 20 dias \u00fateis. Ademais, basta desbloque\u00e1-lo no pr\u00f3prio site.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-submarino\">Apa keuntungan dari kartu Submarino?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, o cart\u00e3o Submarino conta com v\u00e1rias vantagens, sendo a primeira delas o fato da empresa n\u00e3o mencionar qual score de cr\u00e9dito \u00e9 necess\u00e1rio para a aprova\u00e7\u00e3o do cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso significa que, ainda que voc\u00ea tenha score baixo, mas, possui a renda m\u00ednima necess\u00e1ria, pode obter a aprova\u00e7\u00e3o do cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, o Submarino conta com um programa de descontos na loja online, para voc\u00ea ter acesso a todos os produtos por valores bem mais acess\u00edveis.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra vantagem \u00e9 que, voc\u00ea tamb\u00e9m conta com um programa de L\u00e9guas, com muito mais vantagens na hora de fazer as suas compras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim como, al\u00e9m do limite j\u00e1 dispon\u00edvel, voc\u00ea garante acesso ao SuperLimite, um valor adicional ao limite do seu cart\u00e3o, exclusivo para compras parceladas no site do Submarino.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, por ser um cart\u00e3o emitido pelo Banco Cetelem, voc\u00ea pode controlar e organizar os lan\u00e7amentos do cart\u00e3o, assim como consultar limite e melhor dia de compra em nos canais digitais: Cetelem Online, App Cetelem ou WhatsApp.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, o cart\u00e3o utiliza a bandeira Visa que te d\u00e1 direito a todas as vantagens da bandeira. Portanto, o cart\u00e3o Submarino veio para trazer mais divers\u00e3o e poder de compra super acess\u00edvel para voc\u00ea e toda sua fam\u00edlia.<\/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=\"4-quais-as-vantagens-do-cart%C3%A3o-shoptime\">Apa keuntungan dari kartu Shoptime?<\/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=\"Quais as vantagens do cart\u00e3o Shoptime? Fonte: Pexels.\"  id=\"28283\" src=\"https:\/\/ucarecdn.com\/6af40ef5-f300-4577-9423-93f985d55e95\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Quais as vantagens do cart\u00e3o Shoptime? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, o cart\u00e3o Shoptime conta com v\u00e1rias vantagens, sendo a primeira delas o fato de voc\u00ea poder contar com um programa de pontos e parcelamentos especiais em produtos e mercadorias exclusivas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, voc\u00ea conta com um cr\u00e9dito adicional para compras parceladas no Shoptime, assim como acesso a todos os estabelecimentos credenciados da rede Visa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra vantagem, \u00e9 o acesso ao programa Vai de Visa, assim como direito ao Cashback AME e ao Programa de pontos Shop +.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, ainda, voc\u00ea conta com at\u00e9 45 dias para pagar o cart\u00e3o, assim como com seguros exclusivos (sujeitos a contrata\u00e7\u00e3o), como: Proje\u00e7\u00e3o ao Pet; Compra mais Segura; Prote\u00e7\u00e3o Financeira; Cart\u00e3o Protegido; Super casa + segura e Prote\u00e7\u00e3o Global.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra vantagem \u00e9 que, por ser um cart\u00e3o emitido pelo Banco Cetelem, voc\u00ea pode controlar e organizar os lan\u00e7amentos do cart\u00e3o, assim como, consultar limite e melhor dia de compra em nos canais digitais: Cetelem Online, App Cetelem ou WhatsApp.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, o cart\u00e3o Shoptime te d\u00e1 acesso a v\u00e1rias vantagens exclusivas para trazer mais comodidade na hora de voc\u00ea fazer suas compras.<\/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=\"5-quais-as-desvantagens-do-cart%C3%A3o-submarino\">Apa kerugian dari kartu Submarino?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, uma das maiores desvantagens do cart\u00e3o Submarino \u00e9 que ele possui uma an\u00e1lise de cr\u00e9dito bastante demorada, trazendo um pouco mais de dificuldades ao acesso dos clientes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra desvantagem, \u00e9 que ele possui um aplicativo de compras, contudo, \u00e9 considerado pouco eficiente pelos usu\u00e1rios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, a anuidade \u00e9 considerada alta em compara\u00e7\u00e3o com outros cart\u00f5es de compras do mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, antes de optar pelo cart\u00e3o Submarino, fa\u00e7a uma boa pesquisa para saber se realmente \u00e9 a melhor op\u00e7\u00e3o para voc\u00ea.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-shoptime-\"><strong>Apa kerugian dari kartu Shoptime?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, entre as desvantagens do cart\u00e3o Shoptime temos de in\u00edcio, a cobran\u00e7a da anuidade. Isso porque h\u00e1 v\u00e1rios cart\u00f5es dispon\u00edveis no mercado que n\u00e3o cobram anuidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, voc\u00ea deve pagar 12x de R$15,70 para ter direito ao cart\u00e3o Shoptime, que fica R$188,40 por ano, valor considerado elevado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, al\u00e9m disso, para fazer saque com o cart\u00e3o Shoptime voc\u00ea precisa pagar R$13,90, assim como para pedir a segunda via do cart\u00e3o voc\u00ea precisa pagar R$20.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, apesar de ser um cart\u00e3o com uma \u00f3tima proposta para facilitar suas compras, tamb\u00e9m conta com taxas e cobran\u00e7as bem elevadas.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-submarino-ou-cart%C3%A3o-shoptime-qual-escolher-\"><strong>Cart\u00e3o Submarino ou Cart\u00e3o Shoptime: qual escolher?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Submarino ou Cart\u00e3o Shoptime: qual o melhor? Fonte: Pexels.\"  id=\"28284\" src=\"https:\/\/ucarecdn.com\/603a53cb-4320-4be1-a594-daa32dbea62d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Submarino ou Cart\u00e3o Shoptime: qual o melhor? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, o cart\u00e3o Submarino ou cart\u00e3o Shoptime s\u00e3o duas op\u00e7\u00f5es de cart\u00f5es que contam com toda credibilidade, seguran\u00e7a, transpar\u00eancia e ofertas que as lojas Submarino e o Shoptime oferecem para os seus clientes na hora de fazer compras.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, analisislah kartu yang tersedia untuk Anda di pasar dan lihat mana yang merupakan pilihan terbaik untuk Anda. Dan jika Anda masih memiliki pertanyaan, lihat konten yang direkomendasikan di bawah tentang kartu belanja yang kami bawa ke sini!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2uJQRO\">\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\/id\/cartao-saraiva-ou-cartao-pan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Kartu Saraiva atau Kartu Pan?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/774125eb-d5e7-43cd-bfd7-cafae271ca72\/\" 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\/id\/cartao-saraiva-ou-cartao-pan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Kartu Saraiva atau Kartu Pan?\">\n            Kartu Saraiva atau Kartu Pan?        <\/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            Apakah kartu Saraiva atau kartu Pan, keduanya memiliki pengecualian anuitas dan bendera internasional. Lihat informasi lebih lanjut tentang mereka di sini!\n        <\/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\/id\/cartao-saraiva-ou-cartao-pan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Teruslah Membaca            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Confira aqui as condi\u00e7\u00f5es e os programa de parcelamentos exclusivos.<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[883,973,1339,1340,975],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cart\u00e3o Submarino ou Cart\u00e3o Shoptime: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Cart\u00e3o Submarino ou cart\u00e3o Shoptime: voc\u00ea sabe qual deles \u00e9 a melhor op\u00e7\u00e3o de cart\u00e3o de compras? 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