{"id":28058,"date":"2021-08-15T23:00:00","date_gmt":"2021-08-15T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28058"},"modified":"2021-08-16T17:00:13","modified_gmt":"2021-08-16T17:00:13","slug":"cartao-havan-ou-cartao-acesso-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/it\/cartao-havan-ou-cartao-acesso-qual-o-melhor\/","title":{"rendered":"Havan Card o Access Card: qual \u00e8 la migliore?"},"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-acesso-descubra-qual-escolher\">Havan x Acesso: 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 Acesso: qual escolher? Fonte: Pexels.\"  id=\"29060\" src=\"https:\/\/ucarecdn.com\/0454b3b3-4f94-4c04-b553-581722c16a01\/\" 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 Acesso: 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>Antes de falarmos sobre o cart\u00e3o Havan ou cart\u00e3o Acesso, queremos esclarecer alguns pontos. Em primeiro lugar, quem costuma comprar muito em grandes lojas faz essa op\u00e7\u00e3o para encontrar um pre\u00e7o mais barato. Por isso, algumas pessoas preferem aproveitar os pre\u00e7os de lojas como a Havan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Embora o valor seja mais baixo se compararmos com outras empresas, o cliente sempre gosta de economizar. Portanto, os cart\u00f5es das lojas aparecem como aliados nessa conta, que busca cada vez mais a subtra\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, algumas lojas preferem disponibilizar uma linha de cr\u00e9dito a ser gasta apenas em suas depend\u00eancias, ou seja, n\u00e3o atende a necessidade de ter um cart\u00e3o de cr\u00e9dito amplo, por exemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pensando nisso, existem os cart\u00f5es de cr\u00e9dito com bandeira, mas tamb\u00e9m os pr\u00e9-pagos, principalmente para quem n\u00e3o possui um score alto ou est\u00e1 com nome sujo. Ademais, trouxemos duas op\u00e7\u00f5es interessantes para voc\u00ea escolher: o cart\u00e3o Havan ou cart\u00e3o Acesso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Diante disso, pegue papel e caneta, bem como acompanhe cada detalhe!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z15DK7C\">\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\/it\/conheca-o-cartao-de-credito-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Come richiedere la Havan Card\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1998a8c8-5f91-42ff-8e58-df4134ad387b\/\" 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\/it\/conheca-o-cartao-de-credito-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Come richiedere la Havan Card\">\n            Come richiedere la Havan Card        <\/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 produtos e 40 dias para pagamento da primeira fatura. Al\u00e9m disso, ele n\u00e3o anuidade ou taxa de ades\u00e3o. Saiba como solicitar aqui!        <\/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\/it\/conheca-o-cartao-de-credito-havan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua a leggere            <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\/it\/conheca-o-cartao-de-credito-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\/1998a8c8-5f91-42ff-8e58-df4134ad387b\/\">          \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                Come richiedere la Havan Card              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/it\/conheca-o-cartao-de-credito-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                    Continua a leggere                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Rimarrai sullo stesso sito web              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1V1mj4\">\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\/it\/como-solicitar-o-cartao-pre-pago-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Come richiedere la tessera Access\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\" 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\/it\/como-solicitar-o-cartao-pre-pago-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Come richiedere la tessera Access\">\n            Come richiedere la tessera Access        <\/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            Um cart\u00e3o para quem tem nome sujo, sem burocracia e que permite compras pela internet. Voc\u00ea encontra tudo isso e muito mais no cart\u00e3o Acesso. Saiba como adquirir o seu.        <\/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\/it\/como-solicitar-o-cartao-pre-pago-acesso\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua a leggere            <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\/it\/como-solicitar-o-cartao-pre-pago-acesso\/\"  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\/cba8a65a-5a39-460e-afed-944b46d05824\/\">          \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                Come richiedere la tessera Access              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/it\/como-solicitar-o-cartao-pre-pago-acesso\/\"  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                    Continua a leggere                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Rimarrai sullo stesso sito web              <\/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>Carta Avana<\/strong><\/td><td><strong>Scheda di accesso<\/strong><\/td><\/tr><tr><td><strong>Reddito minimo<\/strong><\/td><td>R$800,00<\/td><td>Non necessita<\/td><\/tr><tr><td><strong>Rendita<\/strong><\/td><td>Esonerare<\/td><td>12x di R$ 5,95 <\/td><\/tr><tr><td><strong>Bandiera<\/strong><\/td><td>Non ha<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Tetto<\/strong><\/td><td>Nazionale<\/td><td>Nazionale e internazionale<\/td><\/tr><tr><td><strong>Benefici<\/strong><\/td><td>Sconti in negozio<br>Rate senza interessi<br>Nessuna spesa o canone annuale<\/td><td>Ideale per le persone negative<br>N\u00e3o precisa abrir conta banc\u00e1ria<br>Baixa anuidade<\/td><\/tr><\/tbody><\/table><figcaption>Ma, dopo tutto, qual \u00e8 la carta migliore?<\/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>Carta Avana<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Espalhada pelo Brasil com mais de 160 lojas, a Havan se tornou uma empresa importante e interessante para compras mais baratas. Posteriormente ao grande sucesso, ela decidiu implantar um cart\u00e3o de cr\u00e9dito para manter um n\u00famero alto de clientes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A fim de trazer um outro tipo de cliente a loja, a Havan conseguiu criar um cart\u00e3o acess\u00edvel a todas as classes sociais, n\u00e3o cobrando qualquer taxa de ades\u00e3o ou anuidade, ou seja, quando existe a compra parcelada, \u00e9 somente aquele valor da parcela que ser\u00e1 pago.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, o cart\u00e3o Havan pode ser solicitado pelos canais da loja pela internet ou, at\u00e9 mesmo, nos balc\u00f5es. Ainda que n\u00e3o tenha bandeira de cr\u00e9dito ou associa\u00e7\u00e3o a bancos, esta op\u00e7\u00e3o \u00e9 perfeita para quem compra muito na loja e precisa de parcelamentos mais atraentes.<\/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-acesso-\"><strong>Scheda di accesso<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acima de tudo, estar com o nome sujo \u00e9 uma dor de cabe\u00e7a tremenda. Mesmo assim, \u00e9 poss\u00edvel ter acesso a bandeiras de cr\u00e9dito atrav\u00e9s dos cart\u00f5es pr\u00e9-pagos que ficam cada vez mais populares no Brasil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como se fosse uma luz no fim do t\u00fanel, o cart\u00e3o pr\u00e9-pago, como o Acesso, n\u00e3o exige abertura de conta, pede uma anuidade baixa e, ainda, permite cancelamento sem burocracia, ou seja, quanto mais voc\u00ea deposita dinheiro mais poder\u00e1 pagar compras no cr\u00e9dito e quando n\u00e3o quiser mais, pode fazer o cancelamento r\u00e1pido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dessa forma, quem est\u00e1 negativado mas precisa fazer assinatura de servi\u00e7o de streaming, pagar carros por aplicativos mais r\u00e1pido ou fazer compras que s\u00f3 aceitam cart\u00e3o de cr\u00e9dito est\u00e1 seguro com o cart\u00e3o Acesso.<\/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>Quali sono i vantaggi della Havan Card?<\/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=\"29069\" src=\"https:\/\/ucarecdn.com\/1fff23b4-97d2-4cac-ada7-42236c95e284\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ma in fondo quali sono i vantaggi della carta? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De fato, para quem \u00e9 cliente ass\u00edduo das lojas Havan o cart\u00e3o de cr\u00e9dito chega como op\u00e7\u00e3o para pagar ainda mais barato. Por isso, as vantagens que envolvem parcelamento sem juros, descontos na maioria dos produtos e prazos longos para primeiro pagamento atraem muito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, veja outros benef\u00edcios associados ao cart\u00e3o, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Parcelamento em at\u00e9 10x sem juros nas compras;<\/li><li>Pagamento da primeiro parcela com prazo de 40 dias;<\/li><li>Descontos de at\u00e9 50% em diversos produtos;<\/li><li>Sem anuidade ou taxa de ades\u00e3o;<\/li><li>F\u00e1cil aprova\u00e7\u00e3o, com renda m\u00ednima baixa;<\/li><li>Saia da loja ap\u00f3s a aprova\u00e7\u00e3o j\u00e1 podendo gastar o limite;<\/li><li>N\u00e3o precisa abrir conta banc\u00e1ria.<\/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-acesso-\"><strong>Quali sono i vantaggi della tessera Access?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Depois que o cart\u00e3o pr\u00e9-pago foi inventado, o negativado consegue ter uma chance de ter acesso a compras espec\u00edficas, ou seja, essa \u00e9 uma das principais vantagens que aparecem no cart\u00e3o Acesso. Al\u00e9m disso, n\u00e3o h\u00e1 necessidade de qualquer pagamento de ades\u00e3o ou conta banc\u00e1ria.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, existem outros benef\u00edcios, veja alguns deles abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Compre o cart\u00e3o e passe a us\u00e1-lo na fun\u00e7\u00e3o cr\u00e9dito rapidamente;<\/li><li>Coloque a cobran\u00e7a da Netflix, Spotify e aplicativos de carona direto neste cart\u00e3o;<\/li><li>Recarregue sempre que precisar usar a fun\u00e7\u00e3o cr\u00e9dito;<\/li><li>N\u00e3o precisa abrir conta banc\u00e1ria;<\/li><li>Sem taxas abusivas ou faturas mensais;<\/li><li>Pode ser adquirido por negativados;<\/li><li>Fa\u00e7a compras internacionais e nacionais, com saques sem taxas.<\/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>Quali sono gli svantaggi della carta 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 do cart\u00e3o? Fonte: Pexels.\"  id=\"29075\" src=\"https:\/\/ucarecdn.com\/980dbe79-7d5b-43a2-909d-54c9c982ef2e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ma, dopotutto, quali sono gli svantaggi della carta? 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>Assim como vantagens, o cart\u00e3o Havan tamb\u00e9m aparece com alguns problemas e solu\u00e7\u00f5es que n\u00e3o agregam ao cliente, como as descritas abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>N\u00e3o permite a compra fora das lojas Havan. O limite \u00e9 gasto apenas l\u00e1;<\/li><li>Atrasos de parcelas podem gerar juros altos;<\/li><li>N\u00e3o tem bandeira de cr\u00e9dito, ent\u00e3o, funciona apenas como um cart\u00e3o de loja.<\/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-acesso-\"><strong>Quali sono gli svantaggi della carta Access?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em suma, por mais que funcione a fun\u00e7\u00e3o cr\u00e9dito do cart\u00e3o Acesso, voc\u00ea n\u00e3o pode fazer compras parceladas, ou seja, apenas compras \u00e0 vista independente do valor. Al\u00e9m disso, ele cobra algumas taxas e tarifas, como as descritas abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>\u00c9 preciso recarregar com no m\u00ednimo R$100,00 para que ele seja liberado;<\/li><li>Anuidade mensal R$5,95 se houver saldo no cart\u00e3o;<\/li><li>Cobram sempre a tarifa de recarga, que chega a R$ 2,50.<\/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-acesso-qual-escolher-\"><strong>Cart\u00e3o Havan ou Cart\u00e3o Acesso: qual escolher?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No momento em que voc\u00ea se informou dos dois, cart\u00e3o Havan ou cart\u00e3o Acesso, \u00e9 hora de definir qual seria melhor para seu caso. Basicamente, enquanto um oferece compras externas, o outro limita o cliente apenas a loja, o que n\u00e3o \u00e9 ruim quando h\u00e1 compras frequentes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Seja como for, voc\u00ea ter\u00e1 um cart\u00e3o de cr\u00e9dito \u00fatil, dependendo do seu perfil e necessidade. Se acaso a d\u00favida permanecer, n\u00e3o foi tempo perdido, visto que fizemos outras compara\u00e7\u00f5es para ajudar na sua jornada. Por isso, clique abaixo no conte\u00fado recomendado e veja outro comparativo feito com muita pesquisa por nossa equipe.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1GtiqP\">\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\/it\/cartao-impact-bank-ou-cartao-superdigital\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Carta Impact Bank o carta Superdigital?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/d14c010d-bcc4-429f-bb88-7e2d3e289962\/\" 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\/it\/cartao-impact-bank-ou-cartao-superdigital\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Carta Impact Bank o carta Superdigital?\">\n            Carta Impact Bank o carta Superdigital?        <\/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            Che si tratti della carta Impact Bank o della carta Superdigital, entrambe hanno copertura internazionale e il marchio Mastercard. 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Escolha entre o cart\u00e3o Havan ou cart\u00e3o Acesso hoje mesmo!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[385,179,198,525,1415,339,524],"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 Acesso: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Enquanto um tem anuidade gr\u00e1tis e n\u00e3o cobra taxa de ades\u00e3o, o outro \u00e9 para negativados. 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