{"id":28156,"date":"2021-08-16T23:00:00","date_gmt":"2021-08-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28156"},"modified":"2021-08-16T19:20:09","modified_gmt":"2021-08-16T19:20:09","slug":"cartao-havan-ou-cartao-neon-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-neon-qual-o-melhor\/","title":{"rendered":"Havan Card sau Neon Card: 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-neon-descubra-qual-escolher\">Havan x Neon: 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 Neon: qual escolher? Fonte: Pexels.\"  id=\"28159\" src=\"https:\/\/ucarecdn.com\/6e3a8b79-592f-4613-a93b-99e4d9208063\/\" 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 Neon: 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 \u00eencepe s\u0103 vorbim despre compara\u021bia noastr\u0103 dintre cardul Havan sau cardul Neon, trebuie s\u0103 facem o scurt\u0103 introducere. S\u0103 mergem!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De fapt, cardul Havan nu dore\u0219te doar s\u0103 ofere oportunit\u0103\u021bi pentru achizi\u021bii \u00een magazin, dar creeaz\u0103 \u0219i modalit\u0103\u021bi de men\u021binere a acestuia printr-un card de credit atractiv. Nu doar un card de magazin, aceast\u0103 op\u021biune oferit\u0103 de Havan este atractiv\u0103 pentru c\u0103 nu percepe dob\u00e2nd\u0103 la ratele lungi, este u\u0219or de aprobat \u0219i v\u0103 ofer\u0103 \u0219i 40 de zile pentru a pl\u0103ti prima achizi\u021bie.<\/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, nu ofer\u0103 clientului \u0219ansa de a-\u0219i cheltui limita de credit \u00een alt\u0103 parte, a\u0219a c\u0103 oricine dore\u0219te o op\u021biune mai larg\u0103 de plat\u0103 a facturilor ar trebui s\u0103 caute conturi digitale, care au comisioane mai pu\u021bine, unii nu percep o tax\u0103 anual\u0103 \u0219i chiar v\u0103 permit s\u0103 aplica\u021bi f\u0103r\u0103 a pleca de acas\u0103, a\u0219a cum este cazul cardului Neon.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mai mult, urm\u00e2nd aceste caracteristici, venim cu o compara\u021bie \u00eentre cardul Havan \u0219i cardul Neon, cu scopul de a clarifica \u00eendoielile odat\u0103 pentru totdeauna \u0219i de a oferi detaliile fiec\u0103rei op\u021biuni. A\u0219adar, r\u0103m\u00e2ne\u021bi cu noi \u0219i afla\u021bi detaliile acestor op\u021biuni populare.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1tRQ2w\">\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            De\u0219i poate fi folosit doar \u00een lan\u021buri de magazine, cardul Havan ofer\u0103 multe beneficii \u00een momentul achizi\u021biei. \u00cen continuare, vezi cum s\u0103-l soliciti pe al t\u0103u \u00eentr-un mod simplu \u0219i practic.        <\/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-2gUlNC\">\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-neon\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Neon\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/001d1e80-e01e-44f9-ba7a-f3640214c6bd\/\" 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-neon\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Neon\">\n            Cum s\u0103 aplici pentru cardul Neon        <\/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            Pute\u021bi solicita cardul Neon \u00een dou\u0103 moduri: prin site-ul oficial Banco Neon \u0219i prin aplica\u021bia de card. Ia-\u021bi plasticul f\u0103r\u0103 taxe anuale \u0219i birocra\u021bie.        <\/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-neon\/\"  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-neon\/\"  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\/001d1e80-e01e-44f9-ba7a-f3640214c6bd\/\">          \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 Neon              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-cartao-neon\/\"  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 neon<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>R$ 800,00<\/td><td>nu este necesar<\/td><\/tr><tr><td><strong>Anuitate<\/strong><\/td><td>Scuti<\/td><td>Scuti<\/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>National si international<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>Reducere la cump\u0103r\u0103turi;<br>40 de zile pentru plata primei rate;<br>Plata in pana la 10 rate fara dobanda;<br>Taxa de membru gratuit.<\/td><td>F\u0103r\u0103 taxe sau comisioane lunare;<br>Programul Neon+, care permite retrageri gratuite;<br>Card digital \u0219i fizic;<br><\/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>Pentru a p\u0103stra clientul \u00een magazin, Havan a creat un card de credit de baz\u0103, cu un contract simplu \u0219i aprobare rapid\u0103. Prin urmare, atunci c\u00e2nd clientul prime\u0219te aprobarea, acum poate cunoa\u0219te limita disponibil\u0103 \u0219i poate face achizi\u021bii chiar \u0219i f\u0103r\u0103 un card fizic \u00een m\u00e2n\u0103, de exemplu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este una dintre cele cu cele mai mari facilit\u0103\u021bi de plat\u0103 de pe pia\u021b\u0103, ceea ce face foarte dificil\u0103 implicit. Ca s\u0103 v\u0103 dau un exemplu, cardul Havan ofer\u0103 de obicei o rat\u0103 f\u0103r\u0103 dob\u00e2nd\u0103 de p\u00e2n\u0103 la 10 rate, nou\u0103 date de debitare a facturilor (date pe care le pute\u021bi modifica f\u0103r\u0103 birocra\u021bie) \u0219i 40 de zile pentru a \u00eencepe plata ratelor.<\/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 intermediul site-ului sau \u00een timpul cump\u0103r\u0103turilor \u00een magazin, prin urmare, dac\u0103 ai un nume curat, un istoric financiar bun \u0219i o rela\u021bie excelent\u0103 cu magazinul, pe l\u00e2ng\u0103 un venit bun, vei avea un card f\u0103r\u0103 asociere cu b\u0103nci care v\u0103 ofer\u0103 reduceri mari la cump\u0103r\u0103turi, ceea ce v\u0103 ajut\u0103 deja atunci c\u00e2nd alege\u021bi \u00eentre cardul Havan sau cardul Neon.\u00a0<\/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-neon-\"><strong>card neon<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La fel ca \u0219i alte carduri digitale, Neon \u00ee\u0219i dore\u0219te s\u0103 atrag\u0103 clien\u021bi prin taxele \u0219i tehnologiile mici care atrag. Ca s\u0103 v\u0103 dau un exemplu, cardul este interna\u021bional \u0219i nu percepe comisioane pentru cele mai importante servicii bancare, \u00een plus, comanda se face prin aplica\u021bie sau pe site \u0219i analiza creditului nu necesit\u0103 timp, este nevoie doar de sapte zile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, cu contul digital, \u00ee\u021bi po\u021bi pune factura direct \u00een debit automat. Pentru a re\u021bine clientul, cardul Neon ofer\u0103 un program care elimin\u0103 taxele de retragere dup\u0103 ce a folosit cardul timp de zece zile \u00eentr-o perioad\u0103 de 30 de zile, pe care aproape niciun cont digital nu \u00eel ofer\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, atunci c\u00e2nd ave\u021bi \u00eendoieli \u00eentre cardul Havan sau cardul Neon, \u00eencepe\u021bi s\u0103 analiza\u021bi dac\u0103 dori\u021bi s\u0103 cheltui\u021bi concentrat doar pe un singur loc, sau dori\u021bi s\u0103 ave\u021bi o op\u021biune pentru achizi\u021bii interna\u021bionale, pl\u0103\u021bi pentru servicii, precum Netflix \u0219i Spotify, apoi \u00eencepe\u021bi s\u0103 lua\u021bi \u00een considerare .<\/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? Fonte: Pexels.\"  id=\"28160\" src=\"https:\/\/ucarecdn.com\/6c161c6d-2b9d-496e-8d51-4ca07102cecc\/\" 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>\u00cen ciuda faptului c\u0103 permite clientului s\u0103 foloseasc\u0103 limita de credit numai \u00een magazin, acest lucru nu \u00eenseamn\u0103 c\u0103 cardul Havan nu apare ca o op\u021biune excelent\u0103 pentru economii, rate \u0219i \u0219ansa de a face achizi\u021bii de mare valoare pentru cei care nu au avut niciodat\u0103 unul p\u00e2n\u0103 acum. . \u00cen plus, exist\u0103 \u0219i alte avantaje men\u021bionate mai jos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>F\u0103r\u0103 asociere cu b\u0103ncile;<\/li><li>Plata in pana la 10 rate, fara dobanda, indiferent de pretul de achizitie;<\/li><li>Nu percepe taxe, cum ar fi anuitate sau abonament;<\/li><li>Poate fi un card auxiliar, conceput doar pentru cump\u0103r\u0103turi din magazin, f\u0103r\u0103 a-l amesteca cu alte achizi\u021bii;<\/li><li>Ob\u021bine\u021bi reduceri la cump\u0103r\u0103turi online sau \u00een magazinele fizice;<\/li><li>Anula\u021bi f\u0103r\u0103 birocra\u021bie.<\/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-neon-\"><strong>Care sunt avantajele cardului Neon?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Fiind un cont digital f\u0103r\u0103 tax\u0103 anual\u0103, Neon se confrunt\u0103 cu principalii juc\u0103tori de pe pia\u021b\u0103, desigur, c\u0103ut\u00e2ndu-\u0219i \u0219i spa\u021biul cu programe de puncte \u0219i posibilit\u0103\u021bi gratuite de retragere, de exemplu. Doar pentru a v\u0103 da un exemplu, vede\u021bi mai jos ce mai ofer\u0103 acest card.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Depune\u021bi pentru a activa contul, dar sunt banii dvs., nu o tax\u0103;<\/li><li>Cont digital pentru persoane fizice sau juridice;<\/li><li>Program care permite retrageri gratuite;<\/li><li>Eliberarea cardului f\u0103r\u0103 costuri;<\/li><li>Achizitii internationale prin marca de credit;<\/li><li>Op\u021biune pentru cei care doresc s\u0103 investeasc\u0103 sau s\u0103 economiseasc\u0103 bani, #focanodinheiro.<\/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=\"29294\" src=\"https:\/\/ucarecdn.com\/e993839b-4602-49ba-aae2-8b8977f6eb29\/\" 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 l\u00e2ng\u0103 beneficii, cardul de credit Havan apare ca unul dintre pu\u021binele care au dezavantajul de a nu permite clientului s\u0103 cumpere \u00een alte locuri. Prin urmare, limita poate fi cheltuit\u0103 doar \u00een incinta magazinului Havan.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a \u00eencuraja m\u0103car o dat\u0103 achizi\u021biile \u00eentr-un magazin fizic, o alt\u0103 situa\u021bie neinteresant\u0103 este aceea de a permite eliberarea cardului doar celor care locuiesc la cel pu\u021bin 200 de kilometri de un magazin, ceea ce \u00eenl\u0103tur\u0103 dreptul de a face achizi\u021bii online celor care locuiesc \u00een locuri mici sau \u00eendep\u0103rtate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, lipsa unui card de credit \u0219i posibilitatea de a participa la programe bancare este, de asemenea, un punct negativ. Aceste aspecte sunt relevante atunci c\u00e2nd decide\u021bi \u00eentre cardul Havan sau cardul Neon.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-neon-\"><strong>Care sunt dezavantajele cardului Neon?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Chiar dac\u0103 este unul dintre cardurile digitale cu cele mai mici comisioane de pe pia\u021b\u0103, cardul Neon are defectul de a percepe sume mici pentru transferuri \u0219i alte tranzac\u021bii financiare, motiv pentru care mul\u021bi v\u0103d ca obliga\u021bia de a efectua zece tranzac\u021bii pe lun\u0103. pentru a sc\u0103pa de taxa de retragere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, exist\u0103 comisioane chiar \u0219i pentru eliberarea bonurilor bancare, iar dac\u0103 dep\u0103\u0219i\u021bi num\u0103rul de TEDS, de exemplu, pl\u0103ti\u021bi \u0219i o tax\u0103. \u00cenainte de a exista vreo \u00eendoial\u0103, deocamdat\u0103 nu exist\u0103 posibilitatea de descoperire de cont \u0219i alte tipuri de investi\u021bii pentru clien\u021bii Neon.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, este nevoie de mult timp pentru aprobarea cardului de credit de cel pu\u021bin \u0219apte zile, adic\u0103 pentru cei care \u00ee\u0219i doresc ceva urgent, cardul Neon poate s\u0103 nu fie o op\u021biune bun\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=\"7-cart%C3%A3o-havan-ou-cart%C3%A3o-neon-qual-escolher-\"><strong>Havan Card sau Neon Card: pe care s\u0103 o alegi?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, qual escolher? Fonte: Pexels.\"  id=\"29297\" src=\"https:\/\/ucarecdn.com\/2202f701-b546-45fc-94b1-a5eedce297a3\/\" 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 pe care s\u0103 o aleg? 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>Mai presus de toate, avem dou\u0103 op\u021biuni pentru profiluri diferite, adic\u0103 este posibil s\u0103 avem cardul Havan sau cardul Neon \u0219i s\u0103 le folosim \u00een scopuri diferite. In timp ce cardul Havan este recomandat pentru economisirea in magazine, oferind sanse aproape unice de plata in rate, cardul Neon apare cu rate mici la utilizarea creditului si posibilitatea cresterii continuu a limitelor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, dac\u0103 \u00eenc\u0103 nu a\u021bi reu\u0219it s\u0103 v\u0103 alege\u021bi cardul, consulta\u021bi o alt\u0103 compara\u021bie interesant\u0103 pe care am preg\u0103tit-o. Pentru a v\u0103 decide, vom fi mereu cu ochii pe tendin\u021be \u0219i pe diferite op\u021biuni pentru fiecare tip de buget, a\u0219a c\u0103 face\u021bi clic pe con\u021binutul recomandat de mai jos \u0219i continua\u021bi-v\u0103 c\u0103utarea.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-29qbvy\">\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-pagbank-ou-cartao-neon-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Card PagBank sau card Neon: pe care s\u0103-l alegi?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0454b3b3-4f94-4c04-b553-581722c16a01\/\" 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-pagbank-ou-cartao-neon-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Card PagBank sau card Neon: pe care s\u0103-l alegi?\">\n            Card PagBank sau card Neon: pe care s\u0103-l alegi?        <\/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            Ambele carduri nu au taxe anuale, totu\u0219i, fiecare este definit\u0103 pentru un alt tip de client, cine \u0219tie, ar putea fi profilul t\u0103u? 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-pagbank-ou-cartao-neon-qual-escolher\/\"  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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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/cartao-pagbank-ou-cartao-neon-qual-escolher\/\"  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>Descoper\u0103 dou\u0103 op\u021biuni de credit care atrag cei care caut\u0103 reduceri la cump\u0103r\u0103turi, dar doresc \u0219i un card pentru achizi\u021bii interna\u021bionale \u0219i programe de puncte. Prin urmare, alege\u021bi cardul Havan sau cardul Neon.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,468,439],"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 Neon: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a op\u00e7\u00f5es de cr\u00e9dito que agradam diferentes p\u00fablicos. Ent\u00e3o, leia este post escolha entre o cart\u00e3o Havan ou cart\u00e3o Neon.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-neon-qual-o-melhor\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cart\u00e3o Havan ou Cart\u00e3o Neon: qual o melhor?\" \/>\n<meta property=\"og:description\" content=\"Conhe\u00e7a op\u00e7\u00f5es de cr\u00e9dito que agradam diferentes p\u00fablicos. 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