{"id":27210,"date":"2021-08-11T12:01:00","date_gmt":"2021-08-11T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=27210"},"modified":"2021-08-10T14:46:28","modified_gmt":"2021-08-10T14:46:28","slug":"cartao-consignado-caixa-ou-cartao-consignado-daycoval-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/cartao-consignado-caixa-ou-cartao-consignado-daycoval-qual-o-melhor\/","title":{"rendered":"Kartu gaji Caixa atau kartu gaji Daycoval: 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-consignado-caixa-x-consignado-daycoval-descubra-qual-escolher-\"><strong>Consignado Caixa x consignado Daycoval: 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 consignado Caixa ou Cart\u00e3o consignado Daycoval: qual o melhor? Fonte: Pexels.\"  id=\"28286\" src=\"https:\/\/ucarecdn.com\/fec5683f-c019-47fd-897a-06b3ddd1fc45\/\" 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 consignado Caixa ou Cart\u00e3o consignado Daycoval: 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 consignado Caixa ou Cart\u00e3o consignado Daycoval s\u00e3o duas op\u00e7\u00f5es de cart\u00f5es que est\u00e3o entre os melhores do mercado. Isso porque contam com \u00f3timas propostas para negativados, ou seja, pessoas que estejam com nome restrito nos bir\u00f4s 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, para conhecer um pouco mais sobre as vantagens e as desvantagens destes cart\u00f5es, trouxemos uma compara\u00e7\u00e3o para que voc\u00ea fa\u00e7a uma an\u00e1lise. Confira!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2mt7Ua\">\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-caixa-consignado\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Caixa Consignado\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/b616ccf6-2b5b-4515-b6c4-7c7418249e14\/\" 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-caixa-consignado\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Caixa Consignado\">\n            Cara mengajukan kartu Caixa Consignado        <\/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            Kartu penggajian Caixa sangat baik untuk penerima manfaat INSS dan pegawai negeri, dengan keunggulan dalam tarif dan batas kredit. Periksa!\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-caixa-consignado\/\"  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-caixa-consignado\/\"  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\/b616ccf6-2b5b-4515-b6c4-7c7418249e14\/\">          \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 Caixa Consignado              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-o-cartao-caixa-consignado\/\"  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-Z1FFeRk\">\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-daycoval\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Daycoval\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cfafa0dd-6f8c-4d65-885a-88ead53e8a20\/\" 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-daycoval\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Daycoval\">\n            Cara mengajukan kartu Daycoval        <\/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            Quer saber como faz para solicitar o cart\u00e3o consignado Daycoval? Se sim, ent\u00e3o, leia esse texto e esteja um passo mais perto de ter um dos melhores produtos da categoria.        <\/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-daycoval\/\"  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-daycoval\/\"  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\/cfafa0dd-6f8c-4d65-885a-88ead53e8a20\/\">          \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 Daycoval              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-o-cartao-daycoval\/\"  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>Kotak<\/strong><\/td><td><strong>Daycoval<\/strong><\/td><\/tr><tr><td><strong>Penghasilan Minimal<\/strong><\/td><td>tidak dibutuhkan<\/td><td>Sal\u00e1rio M\u00ednimo ou benef\u00edcio do INSS<\/td><\/tr><tr><td><strong>Anuitas<\/strong><\/td><td>Membebaskan<\/td><td>Membebaskan<\/td><\/tr><tr><td><strong>Bendera<\/strong><\/td><td>Tautan<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Atap<\/strong><\/td><td>Internasional<\/td><td>Internasional<\/td><\/tr><tr><td><strong>Manfaat<\/strong><\/td><td>Tanpa konsultasi dengan SPC dan SERASA<br>suku bunga rendah<br>Ideal untuk negatif<br>cakupan internasional<\/td><td>Tanpa konsultasi dengan SPC dan SERASA<br>suku bunga rendah<br>Ideal untuk negatif<br>cakupan internasional<\/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-consignado-caixa\">Cart\u00e3o consignado Caixa<\/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 consignado Caixa \u00e9 um cart\u00e3o emitido pela Caixa Econ\u00f4mica Federal, ideal para pessoas que estejam negativadas, ou seja, com o nome registro nas ag\u00eancias de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, \u00e9 um cart\u00e3o ideal para benefici\u00e1rios do INSS em geral e o grande ponto positivo deste cart\u00e3o est\u00e1 na margem consignada de 5% do limite de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, voc\u00ea ter\u00e1 todos os meses o valor de 5% do limite do cart\u00e3o descontado do seu benef\u00edcio. Por isso, \u00e9 importante que voc\u00ea tenha certeza de usar pelo menos esses valores todos os meses no seu 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-consignado-daycoval\">Cart\u00e3o consignado Daycoval<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, o Banco Daycoval foi fundado no ano de 1968, sendo ent\u00e3o uma institui\u00e7\u00e3o brasileira com mais de 50 anos no mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nisso, \u00e9 uma institui\u00e7\u00e3o que oferece cr\u00e9dito para empresas e para pessoas f\u00edsicas, assim como servi\u00e7os de c\u00e2mbio e investimentos. Dentre os produtos oferecidos tamb\u00e9m temos o cart\u00e3o consignado Daycoval.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, \u00e9 um cart\u00e3o exclusivo para aposentados e pensionistas do INSS, assim como servidores p\u00fablicos, sendo bem parecido com os cart\u00f5es convencionais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, voc\u00ea pode utilizar o cart\u00e3o nas compras di\u00e1rias, em estabelecimentos f\u00edsicos e virtuais, assim como pagamentos e parcelamentos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, ent\u00e3o, o cart\u00e3o possui um valor m\u00ednimo da fatura do cart\u00e3o de 5% descontado do benef\u00edcio ou do contracheque do usu\u00e1rio com uma das menores taxas de juros do mercado e, ainda, \u00e9 isento da cobran\u00e7a de anuidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, o Banco Daycoval n\u00e3o faz consulta ao SPC ou SERASA, contudo, embora as taxas de juros sejam reduzidas, h\u00e1 a cobran\u00e7a de juros e tarifas conforme o valor e o tipo de servi\u00e7o utilizado pelo cliente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso significa que, voc\u00ea n\u00e3o estar\u00e1 isento se atrasar pagamentos, precisar fazer parcelamento de fatura, assim como fazer saques ou transfer\u00eancias usando o cart\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, se voc\u00ea \u00e9 servidor p\u00fablico, aposentado ou pensionista do INSS e procura um cart\u00e3o com taxas mais justas, que lhe ajude a controlar suas finan\u00e7as, o cart\u00e3o consignado Daycoval pode ser o que voc\u00ea precisa!.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas, para ter certeza dessa decis\u00e3o, veja abaixo os benef\u00edcios.<\/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-consignado-caixa\">Quais as vantagens do cart\u00e3o consignado Caixa?<\/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 consignado Caixa conta com v\u00e1rias vantagens, sendo a primeira delas a isen\u00e7\u00e3o de cobran\u00e7a de anuidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque neste cart\u00e3o \u00e9 cobrada apenas a taxa de emiss\u00e3o do cart\u00e3o que \u00e9 de R$15,00 podendo ser dividido em at\u00e9 tr\u00eas vezes na fatura.<\/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 baixas taxas de juros cerca de 2,70% ao m\u00eas, tr\u00eas vezes menor que um cart\u00e3o convencional.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim como n\u00e3o faz consulta ao SPC ou SERASA na hora de fazer a an\u00e1lise de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, voc\u00ea ainda conta com um profissional para realizar pequenos reparos na sua casa em at\u00e9 tr\u00eas vezes ao ano. Incr\u00edvel, n\u00e3o \u00e9?<\/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 garante acesso ao Clube Elo Mania Caixa, ou seja, tem acesso exclusivo a descontos em v\u00e1rios produtos e servi\u00e7os.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, se voc\u00ea est\u00e1 em busca de um cart\u00e3o para te dar mais facilidade na hora de fazer compras, mas est\u00e1 indeciso quanto a burocracia na aprova\u00e7\u00e3o de cr\u00e9dito. N\u00e3o se preocupe, pois a Caixa tem o que voc\u00ea precisa.<\/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-consignado-daycoval\">Quais as vantagens do cart\u00e3o consignado Daycoval?<\/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 consignado Daycoval? Fonte: Pexels.\"  id=\"28287\" src=\"https:\/\/ucarecdn.com\/24149c6c-5c9b-4749-97b5-eaf4e57426e1\/\" 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 consignado Daycoval? 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 consignado Daycoval possui v\u00e1rias vantagens, sendo a primeira delas a isen\u00e7\u00e3o de anuidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque voc\u00ea n\u00e3o paga nada para manter os servi\u00e7os do cart\u00e3o ativos.<\/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, a an\u00e1lise de cr\u00e9dito feita pelo banco n\u00e3o faz consulta ao SPC ou SERASA, assim como voc\u00ea conta com taxas de juros bem mais baixas que um cart\u00e3o de cr\u00e9dito normal.<\/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 cart\u00e3o possui limite de cr\u00e9dito acima dos padr\u00f5es de mercado e o valor m\u00ednimo da fatura com d\u00e9bito direto na folha de pagamento.<\/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 pode parcelar as suas compras em at\u00e9 15 vezes sem juros de acordo com as condi\u00e7\u00f5es dos lojistas, assim como tem direito a saques em caixas eletr\u00f4nicos ou transfer\u00eancias diretas na sua conta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, tem acesso aos programas de vantagens da bandeira Mastercard.<\/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-consignado-caixa\">Quais as desvantagens do cart\u00e3o consignado Caixa?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, a \u00fanica desvantagem do cart\u00e3o consignado Caixa \u00e9 a cobran\u00e7a de R$ 15,00 para emiss\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>Contudo, o valor ainda pode ser parcelado<strong> <\/strong>na pr\u00f3pria fatura do cart\u00e3o Caixa em at\u00e9 3 vezes e depois disso n\u00e3o haver\u00e1 mais nenhuma cobran\u00e7a.<\/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-consignado-daycoval-\"><strong>Quais as desvantagens do cart\u00e3o consignado Daycoval?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pois, a \u00fanica desvantagem deste cart\u00e3o \u00e9 que ele est\u00e1 acess\u00edvel apenas para aposentados e pensionistas do INSS e Servidores P\u00fablicos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p> Ou seja, dificulta o acesso de outras pessoas interessadas ao cart\u00e3o de cr\u00e9dito.<\/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-consignado-caixa-ou-cart%C3%A3o-consignado-daycoval-qual-escolher-\"><strong>Cart\u00e3o consignado Caixa ou Cart\u00e3o consignado Daycoval: 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 consignado Caixa ou Cart\u00e3o consignado Daycoval: qual o melhor? Fonte: Pexels.\"  id=\"28288\" src=\"https:\/\/ucarecdn.com\/c8f63198-300e-465d-bac1-ca4532967cc4\/\" 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 consignado Caixa ou Cart\u00e3o consignado Daycoval: 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 consignado Caixa ou cart\u00e3o consignado Daycoval s\u00e3o duas op\u00e7\u00f5es de cart\u00f5es que  contam com toda credibilidade, seguran\u00e7a, transpar\u00eancia e ofertas que estes dois bancos oferecem aos clientes negativados, ou seja, com nome restrito nas ag\u00eancias de cr\u00e9dito.<\/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-Z1BBN8\">\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\/8b9cbbd3-dd64-4207-948a-963791b8f5ce\/\" 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. 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