{"id":28058,"date":"2021-08-15T23:00:00","date_gmt":"2021-08-15T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28058"},"modified":"2021-08-16T17:00:13","modified_gmt":"2021-08-16T17:00:13","slug":"cartao-havan-ou-cartao-acesso-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-acesso-qual-o-melhor\/","title":{"rendered":"Card Havan sau Card de acces: care este mai bine?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-havan-x-acesso-descubra-qual-escolher\">Havan x Access: 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 Acesso: qual escolher? Fonte: Pexels.\"  id=\"29060\" src=\"https:\/\/ucarecdn.com\/0454b3b3-4f94-4c04-b553-581722c16a01\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Card Havan sau Card Access: pe care s\u0103 o alegi? 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>\u00cenainte de a vorbi despre cardul Havan sau Access, vrem s\u0103 l\u0103murim c\u00e2teva puncte. \u00cen primul r\u00e2nd, cei care tind s\u0103 cumpere mult \u00een magazinele mari aleg aceast\u0103 op\u021biune pentru a g\u0103si un pre\u021b mai ieftin. Prin urmare, unii prefer\u0103 s\u0103 profite de pre\u021burile din magazine precum Havan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De\u0219i valoarea este mai mic\u0103 \u00een compara\u021bie cu alte companii, clientului \u00eei place \u00eentotdeauna s\u0103 economiseasc\u0103. Prin urmare, cardurile de magazin apar ca alia\u021bi \u00een acest cont, care caut\u0103 din ce \u00een ce mai mult sc\u0103derea.<\/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, unele magazine prefer\u0103 s\u0103 ofere o linie de credit care s\u0103 fie cheltuit\u0103 doar la sediul lor, adic\u0103 nu satisface nevoia de a avea un card de credit mare, de exemplu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>G\u00e2ndindu-m\u0103, exist\u0103 carduri de credit de marc\u0103, dar \u0219i prepl\u0103tite, mai ales pentru cei care nu au un scor mare sau au un nume murdar. \u00cen plus, avem dou\u0103 op\u021biuni interesante din care s\u0103 alegi: cardul Havan sau cardul Acesso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cenainte de asta, lua\u021bi h\u00e2rtie \u0219i pix, precum \u0219i urm\u0103ri\u021bi fiecare detaliu!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z15DK7C\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/conheca-o-cartao-de-credito-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\/conheca-o-cartao-de-credito-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            Ave\u021bi un card care ofer\u0103 reduceri la produse \u0219i 40 de zile pentru a pl\u0103ti prima factur\u0103. De asemenea, nu are nicio tax\u0103 anual\u0103 sau tax\u0103 de membru. Afl\u0103 cum s\u0103 aplici aici!        <\/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\/conheca-o-cartao-de-credito-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\/conheca-o-cartao-de-credito-havan\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/1998a8c8-5f91-42ff-8e58-df4134ad387b\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cum s\u0103 aplici pentru cardul Havan              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/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 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-1V1mj4\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-pre-pago-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum se aplic\u0103 pentru cardul de acces\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-pre-pago-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum se aplic\u0103 pentru cardul de acces\">\n            Cum se aplic\u0103 pentru cardul de acces        <\/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 pentru cei cu nume murdar, f\u0103r\u0103 birocra\u021bie \u0219i care permite achizi\u021bii online. Pute\u021bi g\u0103si toate acestea \u0219i multe altele pe cardul Access. Afl\u0103 cum s\u0103-l ob\u021bii pe al t\u0103u.        <\/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-pre-pago-acesso\/\"  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-pre-pago-acesso\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cum se aplic\u0103 pentru cardul de acces              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-pre-pago-acesso\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua 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 is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>Havana card<\/strong><\/td><td><strong>Card de acces<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>R$800.00<\/td><td>nu necesita<\/td><\/tr><tr><td><strong>Anuitate<\/strong><\/td><td>Scuti<\/td><td>12x din R$ 5,95 <\/td><\/tr><tr><td><strong>Steag<\/strong><\/td><td>nu are<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Acoperi\u015f<\/strong><\/td><td>Na\u0163ional<\/td><td>National si international<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>reduceri \u00een magazin<br>rate f\u0103r\u0103 dob\u00e2nd\u0103<br>F\u0103r\u0103 taxe sau taxe anuale<\/td><td>Ideal pentru negative<br>Nu este nevoie s\u0103 deschide\u021bi un cont bancar<br>Renta sc\u0103zut\u0103<\/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>R\u0103sp\u00e2ndit\u0103 \u00een Brazilia, cu peste 160 de magazine, Havan a devenit o companie important\u0103 \u0219i interesant\u0103 pentru achizi\u021bii mai ieftine. Dup\u0103 marele succes, ea a decis s\u0103 implementeze un card de credit pentru a men\u021bine un num\u0103r mare de clien\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a aduce un alt tip de client \u00een magazin, Havan a reu\u0219it s\u0103 creeze un card accesibil tuturor claselor sociale, f\u0103r\u0103 a percepe nicio tax\u0103 de membru sau anuitate, adic\u0103 atunci c\u00e2nd se face o achizi\u021bie \u00een rate, doar acea sum\u0103 a ratei va fi achitat\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, cardul Havan poate fi solicitat prin canalele magazinului prin internet sau chiar la ghi\u0219ee. Chiar dac\u0103 nu ai card de credit sau asocia\u021bie bancar\u0103, aceast\u0103 op\u021biune este perfect\u0103 pentru cei care cump\u0103r\u0103 mult din magazin \u0219i au nevoie de rate mai atractive.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-acesso-\"><strong>Card de acces<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mai presus de toate, a avea un nume murdar este o durere de cap enorm\u0103. Chiar \u0219i a\u0219a, este posibil s\u0103 accesezi m\u0103rci de credit prin intermediul cardurilor prepl\u0103tite care devin din ce \u00een ce mai populare \u00een Brazilia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De parc\u0103 ar fi o lumin\u0103 la cap\u0103tul tunelului, cardul prepl\u0103tit, precum Acesso, nu necesit\u0103 deschiderea unui cont, cere o tax\u0103 anual\u0103 mic\u0103 \u0219i, de asemenea, permite anularea f\u0103r\u0103 birocra\u021bie, adic\u0103 cu c\u00e2t depui mai mul\u021bi bani, cu at\u00e2t po\u021bi pl\u0103ti mai mult pentru cump\u0103r\u0103turi pe credit \u0219i c\u00e2nd nu vrei, po\u021bi anula rapid.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, cei care sunt negativi, dar trebuie s\u0103 se aboneze la un serviciu de streaming, s\u0103 pl\u0103teasc\u0103 pentru aplica\u021bii mai rapide sau s\u0103 fac\u0103 achizi\u021bii care accept\u0103 doar c\u0103r\u021bi de credit sunt \u00een siguran\u021b\u0103 cu cardul Acesso.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-havan-\"><strong>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=\"29069\" src=\"https:\/\/ucarecdn.com\/1fff23b4-97d2-4cac-ada7-42236c95e284\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >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>De altfel, pentru cei care sunt clien\u021bi obi\u0219nui\u021bi ai magazinelor Havan, cardul de credit vine ca o op\u021biune de a pl\u0103ti \u0219i mai ieftin. Prin urmare, avantajele care implic\u0103 rate f\u0103r\u0103 dob\u00e2nd\u0103, reduceri la majoritatea produselor \u0219i termene lungi pentru prima plat\u0103 sunt foarte atractive.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, vezi mai jos alte beneficii asociate cardului.<\/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 dobanda la achizitii;<\/li><li>Plata primei rate \u00een 40 de zile;<\/li><li>Reduceri de p\u00e2n\u0103 la 50% la diverse produse;<\/li><li>F\u0103r\u0103 anuitate sau tax\u0103 de membru;<\/li><li>Aprobare u\u0219oar\u0103, cu venit minim sc\u0103zut;<\/li><li>P\u0103r\u0103si\u021bi magazinul dup\u0103 aprobare \u0219i pute\u021bi cheltui deja limita;<\/li><li>Nu trebuie s\u0103 deschide\u021bi un cont bancar.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-acesso-\"><strong>Care sunt avantajele cardului Access?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 inventarea cardului prepl\u0103tit, persoana cu credit negativ are \u0219ansa de a avea acces la anumite achizi\u021bii, adic\u0103 acesta este unul dintre principalele avantaje care apar \u00een cardul Access. De asemenea, nu este nevoie de nicio plat\u0103 de membru sau de cont bancar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Apropo, exist\u0103 \u0219i alte beneficii, vezi c\u00e2teva dintre ele mai jos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Cump\u0103ra\u021bi cardul \u0219i \u00eencepe\u021bi rapid s\u0103 \u00eel utiliza\u021bi \u00een func\u021bia de credit;<\/li><li>\u00cenc\u0103rca\u021bi aplica\u021biile Netflix, Spotify \u0219i ride-hailing direct pe acest card;<\/li><li>Re\u00eenc\u0103rca\u021bi ori de c\u00e2te ori ave\u021bi nevoie s\u0103 utiliza\u021bi func\u021bia de credit;<\/li><li>Nu este nevoie s\u0103 deschide\u021bi un cont bancar;<\/li><li>F\u0103r\u0103 taxe abuzive sau facturi lunare;<\/li><li>Poate fi dob\u00e2ndit prin negative;<\/li><li>Face\u021bi achizi\u021bii interna\u021bionale \u0219i na\u021bionale, cu retrageri f\u0103r\u0103 comisioane.<\/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=\"29075\" src=\"https:\/\/ucarecdn.com\/980dbe79-7d5b-43a2-909d-54c9c982ef2e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >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 langa avantaje, cardul Havan vine si cu cateva probleme si solutii care nu adauga valoare clientului, precum cele descrise mai jos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Nu permite achizi\u021bionarea \u00een afara magazinelor Havan. Limita este cheltuit\u0103 doar acolo;<\/li><li>\u00cent\u00e2rzierile \u00een rate pot genera dob\u00e2nzi mari;<\/li><li>Nu are card de credit, a\u0219a c\u0103 func\u021bioneaz\u0103 la fel ca un card de magazin.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-acesso-\"><strong>Care sunt dezavantajele cardului Access?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, pe cat functioneaza functia de credit a cardului Acesso, nu poti face cumparaturi in rate, adica doar cumparaturi cash indiferent de suma. \u00cen plus, percepe anumite taxe \u0219i taxe precum cele descrise mai jos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Este necesar s\u0103 re\u00eenc\u0103rca\u021bi cu cel pu\u021bin R$100.00 pentru ca acesta s\u0103 fie eliberat;<\/li><li>Renta lunara R$5,95 daca exista sold pe card;<\/li><li>Ei percep \u00eentotdeauna taxa de re\u00eenc\u0103rcare, care ajunge la R$ 2,50.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-havan-ou-cart%C3%A3o-acesso-qual-escolher-\"><strong>Havan Card sau Access Card: pe care s\u0103 o alegi?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen momentul \u00een care te-ai informat despre cele dou\u0103, cardul Havan sau cardul Access, este timpul s\u0103 define\u0219ti care ar fi cel mai bine pentru cazul t\u0103u. Practic, \u00een timp ce unul ofer\u0103 achizi\u021bii externe, cel\u0103lalt limiteaz\u0103 clientul doar la magazin, ceea ce nu este un lucru r\u0103u atunci c\u00e2nd sunt achizi\u021bii frecvente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen orice caz, vei avea un card de credit util, \u00een func\u021bie de profilul t\u0103u \u0219i de nevoi. \u00cen cazul \u00een care \u00eendoiala r\u0103m\u00e2ne, nu a fost timp pierdut, deoarece am f\u0103cut alte compara\u021bii pentru a v\u0103 ajuta \u00een c\u0103l\u0103toria dumneavoastr\u0103. Prin urmare, face\u021bi clic mai jos pe con\u021binutul recomandat \u0219i vede\u021bi o alt\u0103 compara\u021bie f\u0103cut\u0103 cu multe cercet\u0103ri de c\u0103tre echipa noastr\u0103.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1GtiqP\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/cartao-impact-bank-ou-cartao-superdigital\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Card Impact Bank sau card Superdigital?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/d14c010d-bcc4-429f-bb88-7e2d3e289962\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/cartao-impact-bank-ou-cartao-superdigital\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Card Impact Bank sau card Superdigital?\">\n            Card Impact Bank sau card Superdigital?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Fie cardul Impact Bank, fie cardul Superdigital, ambele au acoperire interna\u021bional\u0103 \u0219i marca Mastercard. Vezi aici diferen\u021bele dintre ele \u0219i alege-\u021bi pe ale tale!        <\/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-impact-bank-ou-cartao-superdigital\/\"  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-impact-bank-ou-cartao-superdigital\/\"  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\/d14c010d-bcc4-429f-bb88-7e2d3e289962\/\">          \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 Impact Bank sau card Superdigital?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/cartao-impact-bank-ou-cartao-superdigital\/\"  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>\u00cen timp ce unul ofer\u0103 anuitate gratuit\u0103 \u0219i nu percepe o tax\u0103 de membru, cel\u0103lalt este ideal pentru cei cu un nume murdar \u0219i au nevoie de un card de credit. Alege\u021bi ast\u0103zi \u00eentre cardul Havan sau cardul Access!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[385,179,198,525,1415,339,524],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cart\u00e3o Havan ou Cart\u00e3o Acesso: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Enquanto um tem anuidade gr\u00e1tis e n\u00e3o cobra taxa de ades\u00e3o, o outro \u00e9 para negativados. 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