{"id":28023,"date":"2021-08-16T12:00:00","date_gmt":"2021-08-16T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28023"},"modified":"2021-08-16T17:01:17","modified_gmt":"2021-08-16T17:01:17","slug":"cartao-havan-ou-cartao-carrefour-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/cartao-havan-ou-cartao-carrefour-qual-o-melhor\/","title":{"rendered":"Kartu Havan atau Kartu Carrefour: pilih yang mana?"},"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-havan-x-carrefour-descubra-qual-escolher\">Havan x Carrefour: descubra qual escolher<\/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 Havan ou cart\u00e3o Carrefour: qual escolher? Fonte: Pexels.\"  id=\"29223\" src=\"https:\/\/ucarecdn.com\/fb0b01ac-2c05-4b23-83cb-e2b25f4f8b46\/\" 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 Havan ou cart\u00e3o Carrefour: qual escolher? 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>Sem d\u00favida, as grandes lojas do Brasil est\u00e3o levando seus neg\u00f3cios para outro n\u00edvel. Al\u00e9m de oferecer vantagens para quem possui cadastros, h\u00e1 tamb\u00e9m as op\u00e7\u00f5es de cart\u00f5es espec\u00edficos para facilitar parcelamentos e manter aqueles clientes consumindo os produtos, como nos casos do cart\u00e3o Havan ou cart\u00e3o Carrefour.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Posto que um dos cart\u00f5es \u00e9 focado em compras da loja, o outro prop\u00f5e ao cliente um cart\u00e3o de cr\u00e9dito mais amplo, ainda sim, os dois oferecem bons descontos e condi\u00e7\u00f5es para que comprar nas duas empresas seja sin\u00f4nimo de economia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma vez entendendo esses conceitos, preparamos um comparativo entre esses dois cart\u00f5es de perfis parecidos, mas para p\u00fablicos distintos. Ademais, a ideia \u00e9 te ajudar a ter um cart\u00e3o focado em compras, ou at\u00e9 mesmo direcionado apenas para pagamentos espec\u00edficos, como servi\u00e7os de streaming ou aplicativos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seja como for, fazer compara\u00e7\u00f5es \u00e9 o melhor caminho para n\u00e3o cometer erros nas decis\u00f5es financeiras. Por isso, criamos esse comparativo detalhado para voc\u00ea optar entre o cart\u00e3o Havan ou cart\u00e3o Carrefour. Vamos l\u00e1?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2oexX9\">\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-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Havan\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\" 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-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Havan\">\n            Cara mengajukan kartu Havan        <\/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            Tenha um cart\u00e3o que oferece descontos em diversos produtos, parcelamento sem juros em at\u00e9 10x e o primeiro pagamento de parcelas em 40 dias.        <\/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-havan\/\"  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-havan\/\"  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\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\">          \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 Havan              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-o-cartao-havan\/\"  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-1wsRgm\">\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-carrefour\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Carrefour\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/918fdd33-8c9a-4eb2-a51a-fae450945f7c\/\" 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-carrefour\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Carrefour\">\n            Cara mengajukan kartu Carrefour        <\/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            Pe\u00e7a o cart\u00e3o de cr\u00e9dito de um dos maiores grupos de varejo do mundo, tendo como benef\u00edcio parcelamentos sem juros, bandeira de cr\u00e9dito e n\u00e3o pague anuidade!        <\/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-carrefour\/\"  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-carrefour\/\"  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\/918fdd33-8c9a-4eb2-a51a-fae450945f7c\/\">          \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 Carrefour              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-cartao-carrefour\/\"  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>Kartu Havana<\/strong><\/td><td><strong>Kartu Carefour<\/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>Membebaskan<\/td><td>Isenta (se usar uma vez por m\u00eas)<\/td><\/tr><tr><td><strong>Bendera<\/strong><\/td><td>tidak memiliki<\/td><td>Visa atau Mastercard<\/td><\/tr><tr><td><strong>Atap<\/strong><\/td><td>Nasional<\/td><td>nasional atau internasional<\/td><\/tr><tr><td><strong>Manfaat<\/strong><\/td><td>Descontos de at\u00e9 50% em compras<br>Pembayaran hingga 10 kali cicilan tanpa bunga<br>Sem taxa de ades\u00e3o ou anuidade<\/td><td>Parcelamento sem juros em toda rede Carrefour em at\u00e9 24x\u00a0<br>Bandeiras de cr\u00e9dito<br>Sem anuidade usando o cart\u00e3o mensalmente<\/td><\/tr><\/tbody><\/table><figcaption>Compare e escolha entre o cart\u00e3o Havan ou cart\u00e3o Carrefour<\/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-havan-\"><strong>Kartu Havana<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S\u00f3 para ilustrar, com mais de 160 lojas espalhadas pelo Brasil, a Havan possui um cart\u00e3o focado em incentivar as compras dentro das megalojas. Fazendo o cart\u00e3o, o cliente n\u00e3o paga anuidade, nem taxa de ades\u00e3o e at\u00e9 sai da loja com o limite liberado, de t\u00e3o r\u00e1pido que \u00e9.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma vez que voc\u00ea pede o cart\u00e3o, recebe um comprovante e poder\u00e1 fazer compras no mesmo momento da aprova\u00e7\u00e3o de cr\u00e9dito, ademais, a primeira parcela s\u00f3 ser\u00e1 cobrada ap\u00f3s 40 dias.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seja como for, o cart\u00e3o da Havan \u00e9 \u00f3timo para conseguir pagar mais barato em produtos da loja e, ainda, ter facilidades, como parcelamento longo sem juros, cart\u00f5es adicionais e libera\u00e7\u00f5es de bons limites com renda m\u00ednima.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Visto que ele s\u00f3 pode ser utilizado na loja, ser\u00e1 uma \u00f3tima op\u00e7\u00e3o para quem j\u00e1 \u00e9 cliente e precisa de descontos, afinal, as lojas da Havan possuem grande variedade de produtos, exigindo em alguns casos, compras grandes, que para alguns p\u00fablicos, precisam ser parceladas, por exemplo.<\/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-carrefour-\"><strong>Kartu Carefour<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes que comecemos a falar do cart\u00e3o Carrefour, \u00e9 preciso entender que a empresa \u00e9 uma das maiores do mundo em com\u00e9rcio varejista, o que sempre possibilita uma s\u00e9rie de descontos e vantagens em diversas empresas deste grupo mundial.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, quem faz o cart\u00e3o Carrefour paga sempre mais barato nos produtos do site e das lojas, al\u00e9m de ter oportunidade de parcelamentos de at\u00e9 24x sem nenhuma cobran\u00e7a a mais. Al\u00e9m disso, sempre que voc\u00ea usa o cart\u00e3o Carrefour fica livre da anuidade naquele m\u00eas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim sendo, h\u00e1 tamb\u00e9m facilidades para quem precisa comprar rem\u00e9dios frequentemente. Isso porque quem tem o cart\u00e3o Carrefour pode parcelar as compras em at\u00e9 10x sem nenhum juros, o que tamb\u00e9m ajuda muito no planejamento financeiro mensal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, \u00e9 um cart\u00e3o que possui tr\u00eas tipos, pode ser pedido pela internet ou nas lojas, oferece benef\u00edcios maiores para compras nas lojas, mas tamb\u00e9m permite os gastos em outros locais, j\u00e1 que funciona como um cart\u00e3o de cr\u00e9dito tradicional.<\/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-havan-\"><strong>Apa keuntungan dari kartu Havan?<\/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=\"Mas, afinal, quais as vantagens? Fonte: Pexels.\"  id=\"29231\" src=\"https:\/\/ucarecdn.com\/b18efcac-bec7-4c19-b685-a17301577677\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Tapi, bagaimanapun, apa keuntungannya? Sumber: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O cart\u00e3o Havan \u00e9 oferece muitas vantagens para os seus clientes, como os mencionados abaixo. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Parcelamento em at\u00e9 10x sem cobran\u00e7a nenhuma a mais;<\/li><li>Pagamento de primeiras parcelas em at\u00e9 40 dias;<\/li><li>Quase nenhum juros em caso de atraso em pagamentos;<\/li><li>9 datas de vencimento de fatura a escolha do cliente;<\/li><li>Sem anuidade ou taxa de ades\u00e3o;<\/li><li>N\u00e3o precisa abrir conta banc\u00e1ria e n\u00e3o h\u00e1 burocracia no pedido do cart\u00e3o.<\/li><\/ul>\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-carrefour-\"><strong>Apa keuntungan dari kartu Carrefour?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m da facilidade das compras, o que chama aten\u00e7\u00e3o no cart\u00e3o Carrefour \u00e9 a possibilidade de compras em outros locais, sem falar no parcelamento sem juros e participa\u00e7\u00e3o nos programas das bandeiras de cr\u00e9dito, como Visa e Mastercard. Ademais, abaixo podemos conhecer outros benef\u00edcios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Parcela paga: em alguns momentos do m\u00eas, voc\u00ea ver\u00e1 um selo \u201cparcela paga\u201d. Significa que aquele produto ter\u00e1 a primeira parcela por conta do Carrefour;<\/li><li>Limite liberado na hora do pagamento da fatura;<\/li><li>Possibilidade de saques do limite de cr\u00e9dito, com m\u00e1ximo de R$40,00;<\/li><li>Com o cart\u00e3o Carrefour e um bom hist\u00f3rico financeiro, \u00e9 poss\u00edvel fazer um empr\u00e9stimo pessoal;<\/li><li>N\u00e3o pague anuidade comprando todos os meses em lojas do grupo Carrefour;<\/li><li>Bandeiras de cr\u00e9dito, acumulando pontos e a serem trocados por milhas.<\/li><\/ul>\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-havan-\"><strong>Apa kerugian dari kartu Havan?<\/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=\"Mas, afinal, quais as desvantagens? Fonte: Pexels.\"  id=\"29239\" src=\"https:\/\/ucarecdn.com\/0ed03993-ed2a-45e2-bbc8-4170331e4ad5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Tapi, apa saja kekurangannya? Sumber: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enquanto oferece boas condi\u00e7\u00f5es de parcelamento, o cart\u00e3o Havan falha na hora de dar mais liberdade a seus clientes. Isso porque n\u00e3o tem bandeira de cr\u00e9dito e n\u00e3o permite compras em outros locais, diferentemente do cart\u00e3o Carrefour. Ademais, veja outras desvantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>N\u00e3o \u00e9 como um cart\u00e3o de cr\u00e9dito comum, pode ser usado apenas nas lojas Havan;<\/li><li>O pedido do cart\u00e3o n\u00e3o pode ser feito se voc\u00ea mora a mais de 200 quil\u00f4metros de uma loja Havan;<\/li><li>N\u00e3o tem bandeira de cr\u00e9dito ou qualquer associa\u00e7\u00e3o a banco.<\/li><\/ul>\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-carrefour-\"><strong>Apa kekurangan dari kartu Carrefour?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim como qualidades, o cart\u00e3o Carrefour tamb\u00e9m possui alguns problemas relacionados a taxas de saques, por exemplo. Al\u00e9m disso, existem outras desvantagens, como as mencionadas abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Taxas que chegam a R$10,90 quando h\u00e1 saque do limite. O valor total permitido de saque \u00e0 vista \u00e9 apenas R$20,00;<\/li><li>Parcelamento da fatura \u00e9 considerado opera\u00e7\u00e3o de cr\u00e9dito, sujeito a juros altos;<\/li><li>Caso n\u00e3o realize nenhuma compra no m\u00eas, paga anuidade que chega a R$ 191,00 em alguns casos.<\/li><\/ul>\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-havan-ou-cart%C3%A3o-carrefour-qual-escolher-\"><strong>Kartu Havan atau Kartu Carrefour: pilih yang mana?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, agora voc\u00ea sabe qual cart\u00e3o de loja combina mais com sua renda e suas prioridades. Ademais, detalhando melhor o que trouxemos aqui, observe se voc\u00ea precisa mais de compras em loja espec\u00edfica, ou de um cart\u00e3o de cr\u00e9dito mais pr\u00f3ximo do tradicional, ent\u00e3o, opte entre esses dois, cart\u00e3o Havan ou cart\u00e3o Carrefour.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Embora seja uma escolha complicada, n\u00e3o \u00e9 demorada. Mesmo assim, se as d\u00favidas continuarem, a gente te ajuda! Abaixo, mais um comparativo preparado por nossa equipe que pesquisou outros cart\u00f5es com boas vantagens. Clique e continue a leitura at\u00e9 se decidir!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZSivVj\">\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-havan-ou-cartao-magalu-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Havan ou cart\u00e3o Magalu: qual escolher?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1fff23b4-97d2-4cac-ada7-42236c95e284\/\" 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-havan-ou-cartao-magalu-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Havan ou cart\u00e3o Magalu: qual escolher?\">\n            Cart\u00e3o Havan ou cart\u00e3o Magalu: qual escolher?        <\/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            Ambos os cart\u00f5es, ir\u00e3o atender quem busca condi\u00e7\u00f5es melhores para cada loja, portanto, conhe\u00e7a as possibilidades de descontos e parcelamentos sem juros!        <\/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-havan-ou-cartao-magalu-qual-escolher\/\"  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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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/cartao-havan-ou-cartao-magalu-qual-escolher\/\"  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>","protected":false},"excerpt":{"rendered":"<p>Conhe\u00e7a duas op\u00e7\u00f5es de cart\u00e3o que oferecem facilidades em compras na loja, descontos e economia em outros aspectos. Ficou curioso? Ent\u00e3o, acompanhe nosso comparativo e decida entre o cart\u00e3o Havan ou o cart\u00e3o Carrefour.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[470,1414,525,524],"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 Havan ou Cart\u00e3o Carrefour: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a op\u00e7\u00f5es que oferecem facilidades em compras na loja. 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