{"id":29026,"date":"2021-08-16T23:01:00","date_gmt":"2021-08-16T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29026"},"modified":"2021-08-16T19:24:34","modified_gmt":"2021-08-16T19:24:34","slug":"cartao-havan-ou-cartao-crefisa-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/id\/cartao-havan-ou-cartao-crefisa-qual-o-melhor\/","title":{"rendered":"Kartu Havan atau Kartu Crefisa: 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-crefisa-descubra-qual-escolher\">Havan x Crefisa: 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 Crefisa: saiba qual escolher. Fonte: Pexels.\"  id=\"29403\" src=\"https:\/\/ucarecdn.com\/acdde7f6-1456-4789-8744-8d875a32d935\/\" 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 Crefisa: tahu mana yang harus dipilih. 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>Hari ini, kita akan membuat perbandingan antara kartu Havan dan kartu Crefisa. Mengikuti!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Setelah Anda berbelanja di toko Havan, Anda akan menyadari bahwa ada berbagai macam produk, ada yang lebih mahal, ada yang lebih terjangkau, artinya merek tersebut ideal untuk semua khalayak. Oleh karena itu, tujuan dari kartu kredit Havan justru adalah: untuk memungkinkan masyarakat yang sama juga mengakses produk yang lebih mahal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, kartu Havan menawarkan cicilan panjang tanpa bunga, banyak tanggal untuk memulai pembayaran dan tidak membebankan biaya bulanan kepada pelanggan, membuatnya hanya membayar apa yang dia konsumsi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Karena ini adalah kartu toko, pelanggan tidak dapat menggunakannya di tempat lain, tidak seperti kartu Crefisa. Segera setelah perusahaan kredit muncul, itu muncul sebagai salah satu yang paling terkenal dan teraman di negara ini, menawarkan kredit dan sekarang, menggabungkan kedua produk ini ke dalam sebuah kartu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kartu berganda Crefisa dan prabayar dapat digunakan dalam fungsi debit, dan batas kredit adalah yang disimpan oleh pelanggan atau diperoleh melalui pinjaman pribadi atau gaji. Terakhir, ini adalah kartu tanpa biaya tahunan dan bahkan bisa menjadikan Anda agen Crefisa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, Anda akan memahami lebih detail dalam perbandingan antara kartu Havan dan kartu Crefisa ini, yang ditampilkan sebagai opsi bagi mereka yang mencari kredit untuk pembelian, tetapi juga untuk berinvestasi dalam mimpi. Ayo pergi!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1tK3RU\">\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\/52525b65-f14f-4533-80be-400e0a5151da\/\" 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            Sedang mencari kartu toko yang tidak memungut biaya dan juga menawarkan cicilan tanpa bunga hingga 10 kali cicilan? Kemudian ajukan kartu Havan!        <\/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\/52525b65-f14f-4533-80be-400e0a5151da\/\">          \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-2lRGWE\">\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-crefisa\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Crefisa\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1551fa3a-7136-41ab-bcc5-5e7a1bcf9912\/\" 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-crefisa\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cara mengajukan kartu Crefisa\">\n            Cara mengajukan kartu Crefisa        <\/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            Pinjaman untuk negatif dan juga kartu debit tanpa biaya! Ini adalah kartu Crefisa yang bisa digunakan untuk transaksi bank. Bertemu!        <\/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-crefisa\/\"  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-crefisa\/\"  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\/1551fa3a-7136-41ab-bcc5-5e7a1bcf9912\/\">          \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 Crefisa              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/id\/como-solicitar-o-cartao-crefisa\/\"  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 Krefisa<\/strong><\/td><\/tr><tr><td><strong>Penghasilan Minimal<\/strong><\/td><td>R$800.00<\/td><td>tidak dibutuhkan<\/td><\/tr><tr><td><strong>Anuitas<\/strong><\/td><td>Membebaskan<\/td><td>Membebaskan<\/td><\/tr><tr><td><strong>Bendera<\/strong><\/td><td>tidak memiliki<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Atap<\/strong><\/td><td>Nasional<\/td><td>Nasional<\/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>Kartu debit\u00a0<br>Pinjaman akan dibelanjakan langsung di akun Crefisa<br>Penarikan di jaringan Banco24Horas<\/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-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>Saat Anda meminta kartu Havan, persetujuannya cepat dan Anda dapat menikmatinya di toko fisik meski tanpa kartu. Oleh karena itu, bawalah dokumen pribadi Anda, termasuk bukti penghasilan dan miliki limit yang dapat membayar pembelian Anda hingga 10 kali cicilan tanpa bunga.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, kartu Havan adalah satu-satunya yang memungkinkan pembayaran hingga 40 hari tanpa masalah dengan SPC, termasuk cicilan pertama. Meski kelihatannya tidak menarik, sangat ideal untuk menggunakannya, misalnya, sebagai item organisasi keuangan, karena pelanggan dapat memilih dari sembilan tanggal jatuh tempo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Selain itu, Anda tidak akan membayar biaya keanggotaan, anuitas, atau jumlah apa pun di luar cicilan yang telah disepakati di awal, kecuali jika ada penundaan tagihan. Oleh karena itu, definisikan sebagai kartu belanja untuk rumah dan keluarga, tanpa menggunakan limit kredit kartu yang berbendera, misalnya.<\/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-crefisa-\"><strong>Kartu Krefisa<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Meskipun banyak orang tidak mempercayai merek tersebut, Crefisa hanya menguntungkan mereka yang membutuhkannya dengan kredit, sehingga kartu ganda dan prabayar hadir untuk membuat hidup lebih mudah, terutama bagi mereka yang sudah memiliki sejarah dengan perusahaan dan perlu melakukan transaksi keuangan. tanpa perlu transfer dan slip pembayaran.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Namun pihak perusahaan tidak menjelaskan apakah pembelian dapat dilakukan dengan menggunakan fungsi kredit, yaitu dapat dipastikan pembelian debet dapat dilakukan dengan saldo yang tersedia di rekening giro. Tetapi uang yang ada perlu disimpan atau diperoleh melalui pinjaman pribadi, yang membutuhkan analisis kredit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, jika Anda adalah pelanggan Crefisa dan membutuhkan pinjaman dan kartu yang dapat digunakan untuk beberapa akun, seperti layanan streaming, pembayaran aplikasi makanan atau wahana, ini adalah kartu yang ideal. Lagi pula, itu memiliki merek Mastercard, memungkinkan pembelian tunai dan tidak mengenakan biaya anuitas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Terakhir, saat memutuskan antara kartu Havan atau kartu Crefisa, perlu diingat bahwa pada opsi kedua Anda akan memiliki kartu pembayaran yang terkait langsung dengan penghasilan atau pinjaman Anda, ini bukan batas yang disetujui sebelumnya, oke?<\/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 do cart\u00e3o? Fonte: Pexels.\"  id=\"29392\" src=\"https:\/\/ucarecdn.com\/add015cf-eabb-4007-8623-94d23054a501\/\" 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, lagipula, apa kelebihan kartu itu? 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 ini adalah opsi dasar dan memungkinkan Anda untuk menghabiskan batas hanya di toko-toko Havan, kartu tersebut memiliki banyak keuntungan bagi mereka yang sudah menjadi pelanggan, menyukai produk dan selalu perlu membeli lebih banyak lagi, ada pembelian yang tidak kemewahan, tapi kebutuhan.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oleh karena itu, kami memisahkan detail lain dari kartu Havan untuk Anda periksa, 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-crefisa-\"><strong>Apa keuntungan dari kartu Crefisa?<\/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, kartu Crefisa muncul untuk memfasilitasi transaksi perbankan bagi pelanggan saat ini dan masa depan, karena sebelumnya, uang bahkan bisa lebih lama jatuh ketika dikirim ke rekening di bank lain.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bagaimanapun, opsi kartu menghapus biaya yang dibebankan di bank lain dan bahkan memungkinkan pembelian langsung melalui rekening giro. Selain itu, kami merinci lebih banyak manfaat dari opsi ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Jangan pernah membayar anuitas;<\/li><li>Terima pinjaman Anda lebih cepat dan lakukan pembelian dengan hutang;<\/li><li>Memfasilitasi persetujuan pinjaman dengan review kartu;<\/li><li>Rekening digital dengan transaksi bank yang tersedia, seperti transfer, penarikan dan pembayaran slip;<\/li><li>Jadilah agen crefisa, yaitu mereferensikan teman dan mendapatkan uang jika mereka mempekerjakan Anda;<\/li><li>Pindahkan akun melalui aplikasi Crefisa.<\/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 s\u00e3o as desvantagens? Fonte: Pexels.\"  id=\"29395\" src=\"https:\/\/ucarecdn.com\/9d3b2cc4-78e2-43f1-9884-a7fce6517f99\/\" 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 juga, apa kerugiannya? 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>Sebesar apapun keuntungannya, kartu Havan juga memiliki banyak keterbatasan bagi pelanggan, yang utama adalah kendala mengajukan kartu kredit toko jika jarak tempat tinggal Anda lebih dari 200 kilometer dari toko Havan, selain Selain itu, ada juga poin negatif lainnya, seperti yang dijelaskan di bawah ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><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-crefisa-\"><strong>Apa kerugian dari kartu Crefisa?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dengan cara yang sama membuat hidup lebih mudah bagi mereka yang sudah menjadi pelanggan Crefisa, kartu tersebut menawarkan sedikit daya tarik bagi orang luar, yaitu tidak mengonfirmasi pembelian dalam mode kredit adalah masalah, selain itu, ada situasi lain yang dapat kami sebutkan seperti kerugian di bawah ini.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Pembelian debit hanya di perusahaan nasional;<\/li><li>Pembelian tunai, tidak dapat dilakukan cicilan, bahkan dengan fungsi prabayar;<\/li><li>Ada biaya untuk penarikan;<\/li><li>Agar kartu aktif, Anda perlu melakukan transfer atau mengambil pinjaman merek.<\/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-crefisa-qual-escolher-\"><strong>Kartu Havan atau Kartu Crefisa: 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=\"Mas, afinal, qual escolher? Fonte: Pxhere.\"  id=\"29029\" src=\"https:\/\/ucarecdn.com\/f0d24324-33de-4cf9-8268-f099f2167253\/\" 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 pada akhirnya, 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>Singkatnya, satu opsi ditujukan untuk mereka yang mencari opsi yang berfokus pada berbelanja di toko Havan dan opsi lainnya ideal untuk konsumen yang mencari pinjaman tanpa biaya transfer ke bank lain, misalnya.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Terakhir, jangan khawatir jika Anda masih belum melihat keuntungan memilih antara kartu Havan dan kartu Crefisa, karena tim kami selalu menyiapkan pilihan perbandingan lainnya. Klik konten yang direkomendasikan di bawah dan lihat lebih banyak ide untuk memutuskan kartu mana yang terbaik untuk Anda.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1l6sz7\">\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-ourocard-universitario-ou-cartao-impact-bank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Ourocard Universit\u00e1rio atau Kartu Bank Dampak?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ebdcb663-52fe-4b8d-b9ab-86a2edaadf69\/\" 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-ourocard-universitario-ou-cartao-impact-bank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Ourocard Universit\u00e1rio atau Kartu Bank Dampak?\">\n            Ourocard Universit\u00e1rio atau Kartu Bank Dampak?        <\/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            Pelajari lebih lanjut tentang kedua kartu ini yang berbendera internasional dan tidak memerlukan pendapatan yang terbukti untuk diterbitkan. 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-ourocard-universitario-ou-cartao-impact-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-ourocard-universitario-ou-cartao-impact-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>Produk keuangan kredit dapat menjadi mitra pada saat pembelian Anda. Oleh karena itu, memilih antara kartu Havan atau kartu Crefisa membantu Anda mengatur keuangan. Perlu dicatat bahwa yang pertama menawarkan akses ke produk mahal dengan harga terjangkau. Dan yang kedua bisa memudahkan perolehan pinjaman. Pelajari lebih lanjut di sini!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[498,179,198,835,525,287,499],"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 Crefisa: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Cart\u00e3o Havan ou cart\u00e3o Crefisa? Ambos s\u00e3o \u00f3timos cart\u00f5es, mas oferecem vantagens distintas. 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