{"id":28006,"date":"2021-08-16T12:00:00","date_gmt":"2021-08-16T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28006"},"modified":"2021-08-16T17:01:45","modified_gmt":"2021-08-16T17:01:45","slug":"cartao-havan-ou-cartao-americanas-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-americanas-qual-o-melhor\/","title":{"rendered":"Card Havan sau card Americanas: pe care s\u0103 alegi?"},"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-americanas-descubra-qual-o-ideal-para-voc%C3%AA\">Havan x Americanas: afl\u0103 care este ideal pentru tine<\/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 Americanas: qual escolher? Fonte: Pxhere.\"  id=\"28009\" src=\"https:\/\/ucarecdn.com\/e11bbc09-efaf-4ad3-b598-0c239e8310ee\/\" 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 Americanas: pe care s\u0103 alegi? Sursa: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>F\u0103r\u0103 \u00eendoial\u0103, dac\u0103 \u00ee\u021bi place s\u0103 faci cump\u0103r\u0103turi la marile magazine \u0219i s\u0103 folose\u0219ti \u0219i cardul de credit, a avea un produs financiar cu aceste dou\u0103 func\u021bii este ideal pentru tine. Av\u00e2nd \u00een vedere asta, ce zici s\u0103 cuno\u0219ti cardul Havan sau cardul Americanas?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De\u0219i exist\u0103 numeroase op\u021biuni, trebuie s\u0103 o alegi pe cea care corespunde nevoilor tale, care trebuie definite \u00eenainte de a comanda. Prin urmare, acum aducem aceste dou\u0103 op\u021biuni interesante.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru ca tu sa cunosti detalii importante, ti-am pregatit o comparatie care aduce principalele informatii despre cele doua optiuni. De asemenea, pentru a avansa, s\u0103 \u0219ti\u021bi c\u0103 cardul Havan, \u00een ciuda faptului c\u0103 ofer\u0103 avantaje mari, nu are card de credit, spre deosebire de cardul Americanas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, urm\u0103ri\u021bi-ne \u0219i observa\u021bi principalele diferen\u021be atunci c\u00e2nd alege\u021bi \u00eentre cardul Havan sau cardul Americanas, care sunt extrem de utile indiferent de beneficiile fiec\u0103ruia.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2pYs71\">\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\/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\/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            C\u0103uta\u021bi un card de magazin care s\u0103 ofere reduceri, rate lungi f\u0103r\u0103 dob\u00e2nd\u0103 \u0219i 9 date pentru plata primei rate? A\u0219a c\u0103 cere\u021bi cardul 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\/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\/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                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=\"wp-block-lazyblock-cta lazyblock-cta-Z1f71Ei\">\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-americanas\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Americanas\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/19ac276b-9b04-40d1-b0ea-d7e560115a20\/\" 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-americanas\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Americanas\">\n            Cum s\u0103 aplici pentru cardul Americanas        <\/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            Clien\u021bii americani au nevoie de un card cu un steag interna\u021bional, oportunit\u0103\u021bi de reduceri \u00een fiecare zi \u0219i participare la programele de steag. Aplica acum!        <\/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-americanas\/\"  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-americanas\/\"  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\/19ac276b-9b04-40d1-b0ea-d7e560115a20\/\">          \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 Americanas              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-cartao-americanas\/\"  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><\/td><td><strong>Havana card<\/strong><\/td><td><strong>Cardul Americanilor<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>Salariu minim<\/td><td>Salariu minim<\/td><\/tr><tr><td><strong>Anuitate<\/strong><\/td><td>Scuti<\/td><td>12x R$ 16,99<\/td><\/tr><tr><td><strong>Steag<\/strong><\/td><td>nu are<\/td><td>Visa sau Mastercard<\/td><\/tr><tr><td><strong>Acoperi\u015f<\/strong><\/td><td>Na\u0163ional<\/td><td>na\u0163ionale sau interna\u0163ionale<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>Reduceri de p\u00e2n\u0103 la 50% la achizi\u021bii<br>Plata in pana la 10 rate fara dobanda<br>F\u0103r\u0103 abonament sau tax\u0103 anual\u0103<\/td><td>\u00cen versiunea cea mai simpl\u0103, ve\u021bi primi o anuitate \u00eenapoi<br>cerere de aplicare<br>Reduceri la un catalog mare de produse<\/td><\/tr><\/tbody><\/table><figcaption>Compara\u021bi cele dou\u0103 op\u021biuni<\/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, cardul Havan va fi aprobat mai repede atunci c\u00e2nd e\u0219ti client al magazinului de ceva timp, adic\u0103 av\u00e2nd un record \u0219i cump\u0103r\u0103turi constante. Prin urmare, cu c\u00e2t cumperi mai mult, cu at\u00e2t sunt mai mari \u0219ansele de aprobare cu o limit\u0103 bun\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a \u00eencuraja achizi\u021biile, cardul Havan a fost creat f\u0103r\u0103 tax\u0103 anual\u0103 sau vreo tax\u0103 de membru, cu scopul ca clien\u021bii s\u0103 pl\u0103teasc\u0103 doar ratele cump\u0103r\u0103turilor pe care le fac, \u0219i f\u0103r\u0103 dob\u00e2nd\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De altfel, cardul Havan ar fi ideal pentru oricine caut\u0103 o op\u021biune diversificat\u0103, f\u0103r\u0103 a amesteca facturile de achizi\u021bie din magazin cu restul cardului de credit. \u00cen plus, nu v\u0103 c\u00e2nt\u0103re\u0219te buzunarul, deoarece nu exist\u0103 comisioane sau dob\u00e2nzi precum un card de credit obi\u0219nuit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, nu poate fi folosit \u00een alt\u0103 parte, deoarece nu are card de credit. Cu toate acestea, ofer\u0103 40 de zile pentru a pl\u0103ti rate \u0219i diviziuni care ajung p\u00e2n\u0103 la 10 rate, f\u0103r\u0103 a percepe nicio dob\u00e2nd\u0103 clientului.<\/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-americana-s\"><strong>Card american<\/strong>s<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deoarece cardul Americanas este legat de magazin, desigur, are \u0219i tipuri pentru fiecare buzunar. Cardul de credit comun, marca Visa f\u0103r\u0103 o banc\u0103 asociat\u0103, ofer\u0103 reduceri \u0219i, de asemenea, permite achizi\u021bii oriunde cu limita dvs.<\/p>\n<\/div><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 Bradescard Americanas, cu op\u021biuni pentru achizi\u021bii na\u021bionale \u0219i interna\u021bionale, adic\u0103 vei avea cont bancar, limit\u0103 disponibil\u0103 \u0219i o mi\u0219care complet\u0103, p\u0103str\u00e2nd reducerile bune oferite de magazin.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, ofer\u0103 carduri suplimentare \u0219i programe de beneficii specifice, inclusiv Mais Sorrisos. Practic, atunci c\u00e2nd clientul introduce codul programului, acumuleaz\u0103 puncte care pot fi schimbate cu alte achizi\u021bii de pe site, av\u00e2nd punctele, certificatele cadou pot ajunge la R$250.00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u00e2n\u0103 la urm\u0103, atunci c\u00e2nd alege\u021bi \u00eentre cardul Havan sau cardul Americanas, s\u0103 \u0219ti\u021bi c\u0103 ultima op\u021biune va func\u021biona complet ca un card de credit obi\u0219nuit, a\u0219a c\u0103 are mai multe criterii de aprobare.<\/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 s\u00e3o as vantagens? Fonte: Pexels.\"  id=\"29253\" src=\"https:\/\/ucarecdn.com\/b879ecb7-b898-487e-9568-78f8a4a81418\/\" 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? 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>F\u0103r\u0103 \u00eendoial\u0103, cardul Havan este excelent pentru oricine caut\u0103 o op\u021biune low-cost care s\u0103 ofere o limit\u0103 bun\u0103 de achizi\u021bie, ca s\u0103 nu mai vorbim de momentul grozav pentru a \u00eencepe s\u0103 pl\u0103te\u0219ti rate \u0219i facilit\u0103\u021bi de rate f\u0103r\u0103 dob\u00e2nd\u0103. Vezi, mai jos, mai multe avantaje care te vor ajuta sa alegi intre cardul Havan sau cardul Americanas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Plata in pana la 10 rate fara costuri suplimentare;<\/li><li>Plata primelor rate \u00een 40 de zile;<\/li><li>Aproape f\u0103r\u0103 dob\u00e2nd\u0103 la \u00eent\u00e2rzierea pl\u0103\u021bilor;<\/li><li>9 termene de scaden\u021b\u0103 ale facturii alese de client;<\/li><li>F\u0103r\u0103 anuitate sau tax\u0103 de membru;<\/li><li>Nu este nevoie s\u0103 deschide\u021bi un cont bancar \u0219i nu exist\u0103 birocra\u021bie \u00een comandarea cardului.<\/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-americanas-\"><strong>Care sunt avantajele cardului Americanas?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deoarece cardul Havan limiteaz\u0103 clientul la magazin, op\u021biunea Americanas \u00eel elibereaz\u0103 pe client s\u0103 cumpere \u00een alte locuri, \u00eentruc\u00e2t are un card de credit \u0219i op\u021biunea asociat\u0103 b\u0103ncii Bradesco. Doar pentru a exemplifica, separ\u0103m avantajele acestui card \u00een subiecte care, pe l\u00e2ng\u0103 aceste avantaje, ofer\u0103 cashback \u00een programe specifice.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Programul Mais Sorrisos, care acumuleaz\u0103 puncte la fiecare achizi\u021bie \u0219i poate fi schimbat cu un certificat cadou;<\/li><li>Steaguri Visa sau Mastercard;<\/li><li>Op\u021biune asociat\u0103 b\u0103ncii Bradesco, cu deschidere de cont \u0219i disponibilitatea altor produse financiare;<\/li><li>Reduceri in tot magazinul si cumparaturi usoare;<\/li><li>Exclusivitate \u00een promo\u021biile planificate, cum ar fi Black Friday;<\/li><li>Aprobare chiar \u0219i pentru venituri mai mici, adic\u0103 persoane cu salariu minim.<\/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 s\u00e3o as desvantagens? Fonte: Pexels.\"  id=\"29258\" src=\"https:\/\/ucarecdn.com\/8cfd0c02-a389-4a31-90e1-f24c0ed0d3f9\/\" 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? 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 l\u00e2ng\u0103 laude, exist\u0103 \u0219i critici la adresa cardului Havan. Vezi mai jos dezavantajele.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Nu este ca un card de credit obi\u0219nuit, poate fi folosit doar \u00een magazinele Havan;<\/li><li>Nu po\u021bi aplica pentru card dac\u0103 locuie\u0219ti la mai mult de 200 de kilometri de un magazin Havan;<\/li><li>Nu are card de credit sau vreo asocia\u021bie bancar\u0103.<\/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-americanas-\"><strong>Care sunt dezavantajele cardului Americanas?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu doar un card de credit emblematic, cardul Americanas este bun \u0219i pentru achizi\u021biile din magazine, dar asta nu \u00eenseamn\u0103 c\u0103 nu exist\u0103 dezavantaje. Vezi mai jos c\u00e2teva dintre ele.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Exist\u0103 multe pl\u00e2ngeri cu privire la programul Mais Sorrisos, deoarece unii oameni se confrunt\u0103 cu dificult\u0103\u021bi \u00een r\u0103scump\u0103rarea punctelor;<\/li><li>Nu exist\u0103 scutire de anuitate, care dep\u0103\u0219e\u0219te R$ 150,00;<\/li><li>Costul de R$13,90 pentru retragerile din re\u021beaua Banco24H.<\/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-americanas-qual-escolher-\"><strong>Card Havan sau card Americanas: 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>Odat\u0103 ce ai toate detaliile, este timpul s\u0103-\u021bi pui pe h\u00e2rtie veniturile \u0219i priorit\u0103\u021bile de a alege \u00eentre cardul Havan sau cardul Americanas. Cu compara\u021bia noastr\u0103 detaliat\u0103, va fi mai clar s\u0103 \u00een\u021belegem care este ideal!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Totu\u0219i, dac\u0103 exist\u0103 \u00eendoieli, nu v\u0103 face\u021bi griji. Echipa noastr\u0103 compar\u0103 \u0219i caut\u0103 mereu alte op\u021biuni pentru a se potrivi diferitelor profiluri financiare. Dac\u0103 \u00eenc\u0103 nu a\u021bi lovit ciocanul, face\u021bi clic mai jos \u0219i vede\u021bi o alt\u0103 compara\u021bie.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZGwbG8\">\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-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Card Havan sau card Ricardo Eletro\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6c161c6d-2b9d-496e-8d51-4ca07102cecc\/\" 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-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Card Havan sau card Ricardo Eletro\">\n            Card Havan sau card 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            Dou\u0103 magazine consolidate au carduri cu rate mari, dar doar unul permite un brand de credit \u0219i achizi\u021bii \u00een alte loca\u021bii. Verific\u0103!        <\/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\/cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/\"  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? 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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\/cartao-havan-ou-cartao-ricardo-eletro-qual-o-melhor\/\"  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\/6c161c6d-2b9d-496e-8d51-4ca07102cecc\/\">          \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                Card Havan sau card Ricardo Eletro              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-ricardo-eletro-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 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>","protected":false},"excerpt":{"rendered":"<p>Un card ofer\u0103 reduceri \u0219i rate grozave, cel\u0103lalt \u00ee\u021bi ofer\u0103 acces la cump\u0103r\u0103turi din magazin, dar \u0219i \u00een afara acestuia. Consulta\u021bi compara\u021bia pe care v-am preg\u0103tit-o despre cardul Havan \u0219i cardul Americana.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[459,179,525,1492],"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 Americanas: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Um cart\u00e3o oferece descontos, o outro, d\u00e1 acesso a compras na loja e fora dela. 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