{"id":29021,"date":"2021-08-16T23:00:00","date_gmt":"2021-08-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29021"},"modified":"2023-02-21T15:00:41","modified_gmt":"2023-02-21T15:00:41","slug":"cartao-havan-ou-cartao-shoptime-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/cartao-havan-ou-cartao-shoptime-qual-o-melhor\/","title":{"rendered":"Kartu Havan 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-havan-x-shoptime-descubra-qual-escolher\">Havan x Shoptime: cari tahu mana yang harus dipilih<\/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 Shoptime? Fonte: Pexels.\"  id=\"29364\" src=\"https:\/\/ucarecdn.com\/10f14dcd-6907-433c-82ca-4d965a6a5f04\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Kartu Havan atau kartu Shoptime? 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>Meskipun terlihat serupa, opsi kartu Havan atau kartu Shoptime memiliki perbedaan spesifik. Sementara yang pertama menawarkan diskon, cicilan tanpa bunga dan tidak membebankan biaya bulanan, yang kedua membebankan beberapa biaya tetapi memiliki kartu kredit, memungkinkan pembelian di tempat lain.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Saat Anda melakukan pembelian dengan kartu Shoptime, Anda bisa mendapatkan cashback melalui AME, selain berpartisipasi dalam program poin bendera Visa, yang sejak 2017 telah dikaitkan dengan kartu tersebut. Selain itu, ada juga program poin.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Di sisi lain, kartu Havan biasanya lebih mudah disetujui, tidak memiliki birokrasi untuk pembatalan dan juga tidak mengaitkan pelanggan dengan kontrak dengan merek kredit, misalnya. Selain itu, menarik bagi mereka yang berpenghasilan rendah dan perlu membeli banyak produk.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Terakhir, mari bandingkan kedua kartu ini dan berikan rincian lebih lanjut tentang manfaat masing-masing kartu. Pastinya, di akhir artikel, Anda akan memiliki cukup informasi untuk memilih yang terbaik untuk kantong Anda. Tetap bersama kami!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-dJ3Nj\">\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            Sempurna untuk mereka yang mencari diskon dan cicilan tanpa bunga, selain membebaskan pembayaran anuitas dan biaya keanggotaan. Klaim milikmu.        <\/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-1t31az\">\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            Kartu Shoptime memiliki bendera Visa, diskon, dan cicilan panjang tanpa bunga. Minta milik Anda dan nikmati berbelanja di dalam dan di luar situs!        <\/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 is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>Kartu Havana<\/strong><\/td><td><strong>Kartu waktu belanja<\/strong><\/td><\/tr><tr><td><strong>Penghasilan Minimal<\/strong><\/td><td>R$800.00<\/td><td>Upah minimum<\/td><\/tr><tr><td><strong>Anuitas<\/strong><\/td><td>Membebaskan<\/td><td>12x dari R$13.08<\/td><\/tr><tr><td><strong>Bendera<\/strong><\/td><td>tidak memiliki<\/td><td>Visa<\/td><\/tr><tr><td><strong>Atap<\/strong><\/td><td>Nasional<\/td><td>Nasional&nbsp;<\/td><\/tr><tr><td><strong>Manfaat<\/strong><\/td><td>diskon di toko<br>cicilan tanpa bunga<br>Tidak ada biaya tahunan atau biaya<\/td><td>Hingga 45 hari untuk membayar tagihan<br>Batas tambahan untuk pembelian di toko<br>Cinta Uang Kembali<\/td><\/tr><\/tbody><\/table><figcaption>Tapi pada akhirnya, mana yang harus dipilih?<\/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>Tidak dapat disangkal, Havan telah menjadi salah satu rantai ritel terbesar di Brasil, dengan 161 toko pada tahun 2021. Oleh karena itu, ini adalah jaringan aman yang berkembang dalam hal katalog produk, karena setiap saat mereka memasuki cabang baru untuk menarik pelanggan. .<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kebetulan, pertumbuhan megastore inilah yang memungkinkan kartu Havan, dan sejak dibuat, tetap hampir sama: menawarkan nol anuitas atau biaya keanggotaan, diskon yang mencapai 70% dalam beberapa saat, pembayaran hingga 10 tanpa bunga cicilan dan tenggat waktu yang baik untuk mulai membayar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, pemesanan kartu Havan dilakukan tanpa birokrasi, langsung di toko atau melalui internet yaitu menunggu persetujuan cepat dan pembelian di tempat, karena begitu limit disetujui Anda sudah bisa menggunakannya bahkan tanpa kartu fisik.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, membandingkan kartu Havan atau kartu Shoptime, opsi pertama diindikasikan untuk mereka yang mencari sesuatu yang mendasar, cepat, dan tetap menghemat uang. Selain itu, menjadi pelanggan tetap toko juga meningkatkan kemungkinan persetujuan.<\/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-\"><strong>Kartu waktu belanja<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sementara banyak orang tumbuh atau menua, Shoptime adalah salah satu perusahaan yang menjadi bagian dari kehidupan banyak orang. Itu karena pada tahun 1995 dimulai sebagai saluran telesales yang sangat populer untuk produk lain, dan seiring pertumbuhannya, itu menjadi penjual langsung itu sendiri.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan demikian, perusahaan Brasil membuat kartu kredit dengan bendera Visa beberapa waktu lalu, yaitu pelanggan dapat memanfaatkan promosi di situs dan, sebagai tambahan, mulai berbelanja di tempat lain selama batasnya disetujui.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, berpartisipasi dalam cashback Ame, yaitu sebagian dari nilai pembelian yang dilakukan dengan kartu Shoptime dikembalikan ke akun Anda, belum lagi mereka memberi Anda waktu 45 hari untuk membayar cicilan pertama produk dan, juga , memberikan kesempatan penarikan limit pulsa untuk aplikasi Cetelem, telepon atau jaringan Banco24Horas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selanjutnya, dalam perbandingan antara kartu Havan dan kartu Shoptime, pilihan kedua menjadi pilihan yang ideal ketika mencari kartu kredit dengan merek, program poin, dan keuntungan eksklusif pada produk Shoptime.<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Namun, kartu Havan muncul sebagai opsi yang jauh lebih murah dibandingkan dengan kartu lain dari jenis yang sama, karena tidak ada biaya, yang memberikan keuntungan saat cicilan panjang dibuat. Lihat manfaat lainnya di bawah ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Cicilan tanpa bunga hingga 10 kali cicilan;<\/li><li>Pembayaran cicilan pertama dengan jangka waktu 40 hari;<\/li><li>Pilihan pelanggan dari 9 tanggal kedaluwarsa;<\/li><li>Tidak ada keanggotaan atau biaya tahunan;<\/li><li>Penghasilan minimum untuk persetujuan;<\/li><li>Diskon tinggi untuk berbagai produk di toko, termasuk online.<\/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-shoptime-\"><strong>Apa keuntungan dari kartu Shoptime?<\/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=\"Benef\u00edcios do cart\u00e3o Shoptime. Fonte: Shoptime.\"  id=\"27203\" src=\"https:\/\/ucarecdn.com\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Manfaat kartu waktu belanja. Sumber: Waktu belanja.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Meskipun terlihat seperti kartu yang sulit untuk disetujui, kartu Shoptime menawarkan manfaat yang pantas untuk ditunggu dan terbukti menjadi pilihan yang tidak terlalu birokratis dibandingkan dengan yang ditawarkan oleh toko lain dengan ukuran yang sama. Cari tahu juga beberapa keunggulannya di bawah ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Pesan online dan terima di rumah;<\/li><li>Memiliki waktu 45 hari untuk membayar cicilan pertama;<\/li><li>Program poin Toko +, untuk setiap dolar yang dibelanjakan, Anda mendapatkan satu poin untuk ditukar dengan sertifikat hadiah;<\/li><li>Penarikan melalui internet atau ATM Banco24Horas;<\/li><li>Cicilan hingga 36 kali cicilan tanpa bunga di jaringan Shoptime;<\/li><li>Akses ke kredit pribadi dan asuransi.<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sebanyak kartu Havan memenuhi pelanggan dalam beberapa kriteria, itu membatasi konsumen untuk hanya membeli di jaringan merek. Juga, jika Anda tinggal terlalu jauh dari salah satu toko, Anda bahkan tidak akan bisa mendapatkan persetujuan untuk berbelanja di situs tersebut. Juga, lihat beberapa kerugian lainnya di bawah ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Itu hanya memungkinkan permintaan kartu ketika tinggal di dekat toko Havan;<\/li><li>Anda tidak dapat menggunakan batas kredit di tempat lain;<\/li><li>Suku bunga tinggi dalam kasus keterlambatan pembayaran;<\/li><li>Tidak memiliki kartu kredit;<\/li><li>Itu tidak memberi Anda manfaat ketika Anda sering membeli.<\/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-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>Tidak diragukan lagi, apa yang paling mengecilkan hati pelanggan kartu Shoptime adalah tidak dapat melakukan pembelian internasional, sementara kartu serupa memungkinkan batas ini digunakan melalui merek kredit. Tapi, ada lebih banyak kerugian juga seperti yang disebutkan di bawah ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Pembelian domestik saja;<\/li><li>Selalu membayar anuitas yang melebihi R$13.00;<\/li><li>Persyaratan penghasilan minimum;<\/li><li>Kartu fisik membutuhkan waktu untuk tiba;<\/li><li>Diskon memang ada, tapi yang terbaik adalah untuk produk Shoptime.<\/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-shoptime-qual-escolher-\"><strong>Kartu Havan atau Kartu Shoptime: mana yang harus dipilih?<\/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 Havan ou Cart\u00e3o Shoptime: qual escolher? Fonte: Pxhere.\"  id=\"29024\" src=\"https:\/\/ucarecdn.com\/799d42cb-8158-499c-9ed9-0f8d72e0df77\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Kartu Havan atau Kartu Shoptime: mana yang harus dipilih? Sumber: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Terakhir, setelah Anda mengetahui keduanya, apakah Anda dapat memutuskan antara kartu Havan atau kartu Shoptime? Singkatnya, satu sangat ideal untuk mereka yang berpenghasilan rendah, yang ingin melakukan pembelian produk bernilai tinggi yang dimiliki Havan tanpa membayar biaya, yaitu kartu dasar yang hanya berfokus pada pembelian produk.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Setelah Anda menyadari kekurangan atribut dalam hal ini, kartu Shoptime lebih lengkap dalam hal keuangan, karena cakupannya nasional, dengan bendera Visa, cicilan lebih lama tanpa bunga dan kemungkinan penghematan dalam beberapa aspek, bahkan dengan cashback .<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, meskipun informasinya ada, kami tahu betapa sulitnya untuk memutuskan. Oleh karena itu, kami pisahkan di bawah perbandingan lain yang dibuat khusus untuk mereka yang masih ragu! Lihat lebih banyak opsi seperti ini di bawah ini dan berikan lebih banyak ide untuk peringkat Anda. Ingatlah untuk memprioritaskan situasi keuangan Anda serta kebutuhan Anda saat ini.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1LjOgj\">\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-mercado-pago-ou-cartao-brazilian-business-bank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Kartu Mercado Pago atau Kartu BBB?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/04545aa6-2aaf-4645-a907-481f2cec2830\/\" 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-mercado-pago-ou-cartao-brazilian-business-bank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Kartu Mercado Pago atau Kartu BBB?\">\n            Kartu Mercado Pago atau Kartu BBB?        <\/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            Baik kartu Mercado Pago dan Brazilian Business Bank memiliki jangkauan internasional dan Anda dapat mengontrol semuanya melalui aplikasi. Periksa!        <\/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-mercado-pago-ou-cartao-brazilian-business-bank\/\"  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-mercado-pago-ou-cartao-brazilian-business-bank\/\"  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>Pilih antara kartu yang menawarkan diskon dan cicilan tanpa bunga atau coba opsi yang memiliki keuntungan yang sama, hanya dengan kartu kredit. Jadi, putuskan bersama kami antara kartu Havan atau kartu Shoptime.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,883,1340,884],"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 Shoptime: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decida entre cart\u00e3o Havan ou cart\u00e3o Shoptime. Um oferece descontos e o outro tem as mesmas vantagens, mas bandeira de cr\u00e9dito. 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