{"id":27020,"date":"2021-08-04T23:01:00","date_gmt":"2021-08-04T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=27020"},"modified":"2021-08-16T16:57:35","modified_gmt":"2021-08-16T16:57:35","slug":"cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/","title":{"rendered":"Card Havan sau card Ricardo Eletro: care este mai bun?"},"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-ricardo-eletro-descubra-qual-escolher\">Havan x Ricardo Eletro: afl\u0103 pe care s\u0103 o alegi<\/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 Ricardo Eletro: qual o melhor? Fonte Pexels.\"  id=\"27145\" src=\"https:\/\/ucarecdn.com\/a7dc797e-7113-4616-ac92-c5c2ff596a9a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Card Havan sau card Ricardo Eletro: care este mai bun? font Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, alegerea unui card de credit nu este niciodat\u0103 u\u0219oar\u0103 \u0219i atunci c\u00e2nd se ive\u0219te oportunitatea ca acesta s\u0103 fie de la un mare magazin universal, mul\u021bi oameni cred c\u0103 poate s\u0103 nu fie avantajos, ceea ce nu se \u00eent\u00e2mpl\u0103 cu cardul Havan sau cardul Ricardo Eletro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Asta pentru c\u0103 multe magazine, precum cele men\u021bionate, au decis s\u0103 investeasc\u0103 \u00een cardurile lor de credit, transform\u00e2ndu-le \u00een alia\u021bi de planificare financiar\u0103. \u00cen cazul cardului Havan sau cardului Ricardo Eletro, acestea ofer\u0103 beneficii care vor fi utile pentru orice tip de buget.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De aceea am ales ambele carduri pentru a v\u0103 ajuta s\u0103 lua\u021bi decizia, astfel \u00eenc\u00e2t s\u0103 cunoa\u0219te\u021bi c\u00e2teva detalii importante, precum cardul Havan, de exemplu, este pentru cump\u0103r\u0103turi doar la magazin, \u00een timp ce cardul Ricardo Eletro func\u021bioneaz\u0103 eficient ca credit, cu steag si anuitate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De\u0219i pare o alegere evident\u0103, v\u0103 vom ar\u0103ta avantajele \u0219i detaliile fiec\u0103ruia. Pentru a evita o decizie nes\u0103n\u0103toas\u0103 pentru buzunar, compara\u021bi doar cardul Havan \u0219i cardul Ricardo Eletro.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-uW9w6\">\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\/ro\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Havan\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Havan\">\n            Cum s\u0103 aplici pentru cardul 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            \u00centotdeauna faci cump\u0103r\u0103turi la magazin? A\u0219adar, ave\u021bi un card care aduce rate f\u0103r\u0103 dob\u00e2nd\u0103, reduceri la diverse produse \u0219i multe altele!        <\/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\/ro\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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\/ro\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cum s\u0103 aplici pentru cardul Havan              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/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                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><br><\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZX2olU\">\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\/ro\/como-solicitar-cartao-ricardo-eletro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Ricardo Eletro\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/401c9f8a-e304-4284-b9a5-678298e6c048\/\" 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\/ro\/como-solicitar-cartao-ricardo-eletro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Ricardo Eletro\">\n            Cum s\u0103 aplici pentru cardul Ricardo Eletro        <\/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            Un card de credit de marc\u0103, o limit\u0103 pentru cei care c\u00e2\u0219tig\u0103 salariul minim \u0219i reduceri incredibile la magazinele Ricardo Eletro. Comanda-l pe al tau!        <\/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\/ro\/como-solicitar-cartao-ricardo-eletro\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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\/ro\/como-solicitar-cartao-ricardo-eletro\/\"  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\/401c9f8a-e304-4284-b9a5-678298e6c048\/\">          \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                Cum s\u0103 aplici pentru cardul Ricardo Eletro              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-cartao-ricardo-eletro\/\"  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 s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>&nbsp;<\/strong><\/td><td><strong>Havana card<\/strong><\/td><td><strong>Cardul Ricardo Electro<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>Salariu minim<\/td><td>nu este necesar<\/td><\/tr><tr><td><strong>Anuitate<\/strong><\/td><td>Scuti<\/td><td>12x din R$ 12,99 (R$ 155,88)<\/td><\/tr><tr><td><strong>Steag<\/strong><\/td><td>nu are<\/td><td>Visa<\/td><\/tr><tr><td><strong>Acoperi\u015f<\/strong><\/td><td>Na\u0163ional<\/td><td>Na\u0163ional<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>Achizitii platite dupa 40 de zile, rate fara dobanda;<br>Solicitare prin cerere;<br>Nu percepe abonament sau tax\u0103 anual\u0103;<br>Nu este necesar un venit minim.<\/td><td>Mai multe carduri suplimentare;<br>Poate fi folosit \u00een mai multe unit\u0103\u021bi;<br>Acces la programul Vai de Visa.<\/td><\/tr><\/tbody><\/table><figcaption>Dar, la urma urmei, care este cea mai bun\u0103 carte?<\/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>Havana card<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, s\u0103 \u0219ti\u021bi c\u0103 cardul Havan va fi mult mai avantajos pentru cei care fac cump\u0103r\u0103turi frecvent la magazinele m\u0103rcii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, poate fi folosit f\u0103r\u0103 probleme ca un aliat \u00een organizarea financiar\u0103, mai ales dac\u0103 exist\u0103 o cheltuial\u0103 lunar\u0103 \u00een magazin. Pune cump\u0103r\u0103turile pe care le dore\u0219ti pe acest card, pl\u0103te\u0219te de c\u00e2te ori vrei f\u0103r\u0103 dob\u00e2nd\u0103 \u0219i c\u00e2\u0219tig\u0103 mai mult timp pentru a pl\u0103ti.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru ca acesta s\u0103 nu fie principalul t\u0103u card de credit, cardul Havan este o op\u021biune excelent\u0103 pentru a nu amesteca facturile \u0219i pentru a p\u0103stra totul corect la sf\u00e2r\u0219itul lunii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>G\u00e2ndindu-te la asta, cardul Havan \u00ee\u021bi ofer\u0103 40 de zile pentru a pl\u0103ti \u0219i po\u021bi alege una dintre cele 9 date ale lunii pentru a pl\u0103ti factura lunar\u0103, \u00een plus, po\u021bi schimba acea dat\u0103 oric\u00e2nd dore\u0219ti. De\u0219i nu poate fi folosit \u00een alte locuri, poate fi aliatul t\u0103u.<\/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-ricardo-eletro-\"><strong>Cardul Ricardo Electro<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru \u00eenceput, cardul Ricardo Eletro este ideal pentru clien\u021bii care sunt obi\u0219nui\u021bi la magazin \u0219i \u00eenc\u0103 caut\u0103 o op\u021biune de baz\u0103 de card de credit, care s\u0103 \u00ee\u021bi serveasc\u0103 chiar dac\u0103 apar e\u0219ecuri.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd spunem c\u0103, chiar \u0219i cu un nume negativ, va fi totu\u0219i partenerul t\u0103u cu acelea\u0219i avantaje, oferind marca Visa, toate programele m\u0103rcii \u0219i chiar carduri suplimentare pentru \u00eentreaga familie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, o modalitate grozav\u0103 de a folosi cardul Ricardo Eletro \u0219i de a-l folosi \u00eentr-un singur scop, pe l\u00e2ng\u0103 achizi\u021biile din magazin, cum ar fi, de exemplu, separarea acestei limite doar pentru a pl\u0103ti facturi mici sau pentru servicii de streaming cu reduceri, cum ar fi Netflix.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, acest card nu necesit\u0103 un scor mare sau un nume complet normal pentru a-l emite. Av\u00e2nd un istoric bun \u00een magazin, numele murdar nu va fi o problem\u0103 pentru a avea o limit\u0103 rezonabil\u0103 oferit\u0103 de cardul Ricardo Eletro. Dezavantajul este c\u0103 acoperirea sa este doar na\u021bional\u0103.<\/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>Care sunt avantajele cardului 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=\"27147\" src=\"https:\/\/ucarecdn.com\/09c484d6-f61c-445a-b22d-7dfa035e3baf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, la urma urmei, care sunt avantajele cardului? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Printre principalele avantaje, cardul Havan ofer\u0103 un termen mai lung pentru pl\u0103\u021bi \u0219i permite rate lungi. In plus, are si alte beneficii care faciliteaza alegerea intre cardul Havan sau cardul Ricardo Eletro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cenainte de a lua o decizie, lua\u021bi \u00een considerare aceste puncte de pe cardul Havan de mai jos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Nu este nevoie s\u0103 deschide\u021bi un cont bancar;<\/li><li>Nu are rent\u0103 sau tax\u0103 de membru;<\/li><li>Permite cereri de la persoane cu v\u00e2rsta de 16 ani \u0219i peste, dac\u0103 exist\u0103 deja un card de tutore;<\/li><li>9 date de expirare alese de client;<\/li><li>Reduceri la toate produsele din magazin;<\/li><li>Plata in pana la 10 rate fara dobanda;<\/li><li>40 de zile pentru plata primei rate la efectuarea achizi\u021biei.<\/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-ricardo-eletro-\"><strong>Care sunt avantajele cardului Ricardo Eletro?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mai ave\u021bi \u00eendoieli cu privire la cardul Havan sau cardul Ricardo Eletro? Vezi, \u00een detaliu, avantajele acestei op\u021biuni mai jos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Cei care au salariul minim primesc o limit\u0103 bun\u0103;<\/li><li>Poate fi folosit \u00een diverse magazine \u0219i unit\u0103\u021bi;<\/li><li>Promo\u021bii exclusive \u00een magazin;<\/li><li>Comanda\u021bi p\u00e2n\u0103 la 4 carduri suplimentare;<\/li><li>Acces la programul Vai de Vista si altele de la brand;<\/li><li>Rata facuta usoara in magazin;<\/li><li>Limita\u021bi re\u00eennoirea chiar \u0219i cu restric\u021bii.<\/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>Care sunt dezavantajele cardului 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=\"27148\" src=\"https:\/\/ucarecdn.com\/1fbd235e-0bcc-470b-8821-c47369972aa1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, p\u00e2n\u0103 la urm\u0103, care sunt dezavantajele cardului? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe de alt\u0103 parte, exist\u0103 \u0219i c\u00e2teva caracteristici pe care cardul Havan nu le atrage.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Cump\u0103r\u0103turi doar la magazinele Havan din \u021bar\u0103;<\/li><li>F\u0103r\u0103 steag Visa sau Mastercard, de exemplu;<\/li><li>Nu tolereaz\u0103 clien\u021bii negativi.<\/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-ricardo-eletro-\"><strong>Care sunt dezavantajele cardului Ricardo Eletro?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cardul Ricardo Eletro, \u00eens\u0103, nu are acoperire interna\u021bional\u0103, ceea ce limiteaz\u0103 clien\u021bii s\u0103i. \u00cen plus, avem \u0219i alte dezavantaje, dup\u0103 cum urmeaz\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Taxa anuala care ajunge la R$ 155,88 (12x din R$12,99);<\/li><li>Acoperire na\u021bional\u0103;<\/li><li>Aprobarea dureaz\u0103 ceva timp.<\/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-ricardo-eletro-qual-escolher-\"><strong>Card Havan sau card Ricardo Eletro: pe care s\u0103 alegi?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum c\u0103 ai informa\u021bii despre ambele, po\u021bi diferen\u021bia care ar fi mai bine pentru tine, cardul Havan sau cardul Ricardo Eletro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar aminti\u021bi-v\u0103 s\u0103-l prioritiza\u021bi pe cel care v\u0103 va organiza finan\u021bele \u0219i v\u0103 va satisface nevoile, \u00een plus, desigur, care se va potrivi bugetului! A\u0219adar, \u00een cazul \u00een care \u00eendoiala r\u0103m\u00e2ne, face\u021bi clic pe linkul de mai jos \u0219i verifica\u021bi o alt\u0103 compara\u021bie care poate fi ideal\u0103!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1uDAbR\">\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\/ro\/cartao-gamescard-ou-cartao-next\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cartea de joc sau urm\u0103toarea carte?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8b7641ec-691a-46ef-9346-d92e0622945a\/\" 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\/ro\/cartao-gamescard-ou-cartao-next\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cartea de joc sau urm\u0103toarea carte?\">\n            Cartea de joc sau urm\u0103toarea carte?        <\/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            Care este mai bun? 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Am preg\u0103tit aceast\u0103 compara\u021bie pentru ca tu s\u0103 alegi cea mai bun\u0103 op\u021biune \u0219i s\u0103 ai un partener \u00een organiza\u021bia financiar\u0103. Deci, cite\u0219te aceast\u0103 postare \u0219i verific\u0103-l!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,1329],"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 Ricardo Eletro: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Afinal, cart\u00e3o Havan ou cart\u00e3o Ricardo Eletro? Os dois cart\u00f5es tem \u00f3timas vantagens, mas qual \u00e9 o melhor para voc\u00ea? 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