{"id":29694,"date":"2021-08-19T12:00:00","date_gmt":"2021-08-19T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29694"},"modified":"2023-02-21T14:59:16","modified_gmt":"2023-02-21T14:59:16","slug":"cartao-ibicard-ou-cartao-havan","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/it\/cartao-ibicard-ou-cartao-havan\/","title":{"rendered":"Ibicard o Havan Card: quale scegliere?"},"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-ibicard-x-havan-descubra-qual-escolher\">Ibicard x Havan: 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 Ibicard ou Cart\u00e3o Havan: um para negativados, outro para quem precisa de descontos. Fonte: Pxhere.\"  id=\"29699\" src=\"https:\/\/ucarecdn.com\/350538bf-b377-4715-aa03-28c3f4471b6b\/\" 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 Ibicard ou Cart\u00e3o Havan: um para negativados, outro para quem precisa de descontos. Fonte: Pxhere.<\/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 falar sobre o comparativo entre o cart\u00e3o Ibicard ou cart\u00e3o Havan, precisamos esclarecer alguns pontos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Conforme os anos foram passando, os bancos e empresas buscaram alternativas para atender um p\u00fablico que costuma ser exclu\u00eddo, que s\u00e3o os negativados e de score baixo. Assim, nesta condi\u00e7\u00e3o, a maioria n\u00e3o consegue cart\u00f5es de cr\u00e9dito e fica impedido de fazer compras parceladas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, essas alternativas variam entre cart\u00f5es pr\u00e9-pagos, cart\u00f5es de loja mais flex\u00edveis e em alguns casos, cart\u00f5es tradicionais que abrem exce\u00e7\u00f5es para quem est\u00e1 endividado, abrindo algumas chances e permitindo a compra na modalidade cr\u00e9dito, seja parcelada ou n\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pensando nisso, vamos te apresentar dois tipos diferentes de cart\u00f5es, o cart\u00e3o Ibicard ou cart\u00e3o Havan, um que n\u00e3o exige comprova\u00e7\u00e3o de renda e pode ser liberado para negativados e o outro, que \u00e9 conhecido por quase n\u00e3o ter taxas e, ainda, oferecer grandes descontos ao cliente da loja.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, confira o comparativo e anote as dicas para entender qual seria o ideal para seu or\u00e7amento, lembrando que um \u00e9 espec\u00edfico para a loja e outro \u00e9 mais amplo, com bandeiras de cr\u00e9dito e permitindo compras internacionais. Vamos l\u00e1!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2cG1n6\">\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-ibicard-facil\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Ibicard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5abadb8f-7b2c-439c-85f3-d2fa69d31980\/\" 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-ibicard-facil\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como solicitar o cart\u00e3o Ibicard\">\n            Como solicitar o cart\u00e3o Ibicard        <\/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            Ideal para negativados, o cart\u00e3o Ibicard \u00e9 do Banco Bradesco e possibilita ao cliente de baixo score a compra na modalidade cr\u00e9dito, al\u00e9m de transa\u00e7\u00f5es internacionais!        <\/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-ibicard-facil\/\"  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(); 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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\/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                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=\"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>Cart\u00e3o Ibicard<\/strong><\/td><td><strong>Carta Avana<\/strong><\/td><\/tr><tr><td><strong>Reddito minimo<\/strong><\/td><td>Non richiesto<\/td><td>R$800,00<\/td><\/tr><tr><td><strong>Rendita<\/strong><\/td><td>R$ 36,00<\/td><td>Esonerare<\/td><\/tr><tr><td><strong>Bandiera<\/strong><\/td><td>MasterCard<\/td><td>Non ha<\/td><\/tr><tr><td><strong>Tetto<\/strong><\/td><td>Nazionale e internazionale<\/td><td>Nazionale<\/td><\/tr><tr><td><strong>Benefici<\/strong><\/td><td>Poss\u00edvel aceite para quem tem nome sujo<br>N\u00e3o \u00e9 necess\u00e1rio comprovar renda<br>Consiga um prazo de at\u00e9 40 dias para pagar primeira parcela de compras<\/td><td>Parcelamento em at\u00e9 10x sem juros<br>Descontos que chegam a 90% em algumas \u00e9pocas<br>N\u00e3o pague taxa de ades\u00e3o ou anuidade<\/td><\/tr><\/tbody><\/table><figcaption>Mas, afinal, quais os principais detalhes?<\/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-ibicard-\"><strong>Cart\u00e3o Ibicard<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Certamente, \u00e9 dif\u00edcil acreditar que um cart\u00e3o de cr\u00e9dito pode ser fornecido a negativados, mas o Ibi confirma que sim. Ali\u00e1s, entre as exig\u00eancias, pedem movimenta\u00e7\u00e3o, mas liberam a modalidade cr\u00e9dito, com bons limites e possibilidade de compra online.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, o cart\u00e3o Ibicard foi comprado pelo Banco Bradesco a mant\u00e9m caracter\u00edsticas interessantes como a possibilidade de pagar contas com prazo de 40 dias. Al\u00e9m disso, o cliente ainda que seja negativado pode ter benef\u00edcios da bandeira Mastercard, com a possibilidade de acumular pontos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, \u00e9 uma \u00f3tima op\u00e7\u00e3o quando se procura um cart\u00e3o de cr\u00e9dito mais tradicional, colocando como prioridade na escolha entre o cart\u00e3o Ibicard e o cart\u00e3o Havan na hora da decis\u00e3o, j\u00e1 que o segundo s\u00f3 pode ser utilizado nas megalojas.<\/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-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>Embora n\u00e3o seja t\u00e3o vantajoso para os n\u00e3o clientes Havan, esta op\u00e7\u00e3o \u00e9 excelente para quem costuma comprar na loja e quer pagar mais barato, ou seja, sem pagar taxas de ades\u00e3o ou anuidade mensal. Portanto, pague apenas as parcelas criadas durante a compra sem nenhuma cobran\u00e7a a mais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, \u00e9 poss\u00edvel parcelar compras em at\u00e9 10x e n\u00e3o pagar nenhum juros, o que \u00e9 excelente para quem precisa fazer compras de valor alto e n\u00e3o t\u00eam o valor total. Ademais, o cliente pode escolher entre nove datas de vencimento de faturas, e mudar quando quiser, desde que n\u00e3o exista nenhuma vencida.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, quando voc\u00ea faz sua primeira compra, ainda tem 40 dias para pagar a primeira parcela com toler\u00e2ncia nas pr\u00f3ximas, ent\u00e3o, ao ter o pedido aceito, ganhe descontos na maioria dos produtos, vantagens e, ainda, pague exatamente o que consumiu. Portanto, na hora de escolher entre o cart\u00e3o Ibicard ou Cart\u00e3o Havan leve em considera\u00e7\u00e3o sua frequ\u00eancia nas lojas.<\/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-ibicard-\"><strong>Quais as vantagens do cart\u00e3o Ibicard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Principalmente para negativados, o cart\u00e3o Ibicard surge como uma op\u00e7\u00e3o sem comprova\u00e7\u00e3o de renda ou an\u00e1lise de bir\u00f4s de cr\u00e9dito, como SPC\/Serasa. Ademais, veja outras vantagens.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Ainda que haja anuidade, ela \u00e9 baixa;<\/li><li>Tenha pontos e troque por produtos;<\/li><li>Parcele at\u00e9 mesmo contas de \u00e1gua e luz;<\/li><li>Saques no banco Bradesco;<\/li><li>Movimente e fa\u00e7a saques nas ag\u00eancias ou aplicativo Bradesco.<\/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-havan-\"><strong>Quali sono i vantaggi della Havan Card?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, o cart\u00e3o Havan \u00e9 um dos \u00fanicos que oferece \u00f3timos limites para rendas baixas, fazendo com que as compras sejam liberadas mesmo com a falta do cart\u00e3o f\u00edsico, que chega alguns dias ap\u00f3s o pedido. Veja outras vantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Pague as primeiras parcelas com prazo de 40 dias;<\/li><li>Parcele em at\u00e9 10x sem pagar nenhum juros;<\/li><li>Invista em um cart\u00e3o de cr\u00e9dito que oferece descontos em grande parte dos produtos;<\/li><li>Escolha entre 9 datas de vencimento e mude-as quando achar necess\u00e1rio;<\/li><li>Tenha f\u00e1cil aprova\u00e7\u00e3o mesmo com score baixo;<\/li><li>Fa\u00e7a o pedido pela internet e compre sem sair de casa;<\/li><li>Controle todas as parcelas e pagamentos pelo site da 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=\"5-quais-as-desvantagens-do-cart%C3%A3o-ibicard-\"><strong>Quais as desvantagens do cart\u00e3o Ibicard?<\/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: Ibicard.\"  id=\"20911\" src=\"https:\/\/ucarecdn.com\/a0a4d66f-f503-42c5-9542-bf525d5206aa\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, quais s\u00e3o as desvantagens. Fonte: Ibicard.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mais que seja um bom cart\u00e3o de cr\u00e9dito para negativados, existem algumas cr\u00edticas a serem feitos ao cart\u00e3o Ibicard, entre elas, pagar taxas altas n\u00e3o seria interessante, e esta op\u00e7\u00e3o cobra algumas: usando o limite ou n\u00e3o, voc\u00ea pagar\u00e1 cobran\u00e7as e se realizar um saque, pode pagar at\u00e9 7,90%. Portanto, se por exemplo, houver um parcelamento de fatura, a taxa pode chegar a 4,90%.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-havan-\"><strong>Quali sono gli svantaggi della carta Havan?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Inegavelmente \u00e9 um pouco desinteressante possuir um bom limite de cr\u00e9dito e n\u00e3o poder utiliz\u00e1-lo em outros locais a n\u00e3o ser as lojas Havan, o que limita o cliente, al\u00e9m disso, nada de tentar pedir o cart\u00e3o Havan se mora muito longe! Isso porque o pedido s\u00f3 \u00e9 permitido para quem est\u00e1 perto de uma loja, em pelo menos, 200 quil\u00f4metros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, \u00e9 um cart\u00e3o de cr\u00e9dito muito b\u00e1sico, diferentemente de outras grandes lojas que possuem bandeira e possibilitam compras internacionais, ou seja, o cart\u00e3o Havan n\u00e3o possui bandeira de cr\u00e9dito nem qualquer rela\u00e7\u00e3o com bancos, o que mais uma vez prende o cliente em compras somente na loja.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-ibicard-ou-cart%C3%A3o-havan-qual-escolher-\"><strong>Ibicard o Havan Card: quale scegliere?<\/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=\"29701\" src=\"https:\/\/ucarecdn.com\/b543d4ad-0282-480c-805f-427cc5e3278d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Mas, afinal, qual escolher? Fonte: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, saiba que a escolha ser\u00e1 entre um cart\u00e3o de cr\u00e9dito que oferece limite para negativados e quem possui score baixo, possibilitando novamente a assinatura de servi\u00e7os de streaming, aplicativos de comida ou de carona, enquanto o outro, d\u00e1 um limite alto para gastos em qualquer loja Havan e \u00e9 cheio de facilidades de pagamento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, se ainda n\u00e3o houve uma decis\u00e3o entre o cart\u00e3o Ibicard e o cart\u00e3o Havan, n\u00e3o se preocupe, pois nossa equipe preparou mais um comparativo para que voc\u00ea n\u00e3o fique sem comprar na modalidade cr\u00e9dito e ter acesso \u00e0s melhores condi\u00e7\u00f5es de pagamento! Ent\u00e3o, clique abaixo!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-qCsEQ\">\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-havan-ou-cartao-carrefour-qual-o-melhor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Havan ou Cart\u00e3o Carrefour?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5727c717-0065-4846-8a70-955b3ae26423\/\" 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-havan-ou-cartao-carrefour-qual-o-melhor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Havan ou Cart\u00e3o Carrefour?\">\n            Cart\u00e3o Havan ou Cart\u00e3o Carrefour?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Figurando entre lojas importantes do pais, um dos cart\u00f5es possui bandeira de cr\u00e9dito, enquanto o outro oferece parcelamentos exclusivos sem juros. Saiba mais!        <\/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\/cartao-havan-ou-cartao-carrefour-qual-o-melhor\/\"  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? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/it\/cartao-havan-ou-cartao-carrefour-qual-o-melhor\/\"  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>","protected":false},"excerpt":{"rendered":"<p>Decida entre o cart\u00e3o Ibicard ou cart\u00e3o Havan! Enquanto um \u00e9 para negativados, o outro n\u00e3o cobra taxas de ades\u00e3o, al\u00e9m de oferecer descontos exclusivos. Leia este post e saiba mais sobre eles.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[275,198,835,525,445,436,296],"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 Ibicard ou Cart\u00e3o Havan: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decida entre o cart\u00e3o Ibicard ou cart\u00e3o Havan! 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