{"id":28567,"date":"2021-08-15T12:00:00","date_gmt":"2021-08-15T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28567"},"modified":"2021-08-14T19:56:32","modified_gmt":"2021-08-14T19:56:32","slug":"cartao-ourocard-universitario-ou-cartao-acesso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/cartao-ourocard-universitario-ou-cartao-acesso\/","title":{"rendered":"Cardul Ourocard Universit\u00e1rio sau Cardul de acces: pe care s\u0103 alege\u021bi?"},"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-ourocard-universit%C3%A1rio-x-acesso-descubra-qual-escolher\">Ourocard Universit\u00e1rio 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 Ourocard Universit\u00e1rio ou cart\u00e3o Acesso? Fonte: Pexels.\"  id=\"28568\" src=\"https:\/\/ucarecdn.com\/adb98eac-e9cb-4984-a824-8b5095e0b413\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cardul Ourocard Universit\u00e1rio sau cardul Access? 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>Dac\u0103 ave\u021bi \u00eendoieli \u00eentre cardul Ourocard Universit\u00e1rio sau cardul Access, nu trebuie s\u0103 v\u0103 mai face\u021bi griji! Ast\u0103zi, vom vorbi mai multe despre aceste dou\u0103 produse financiare, astfel \u00eenc\u00e2t s\u0103 pute\u021bi alege care se potrive\u0219te cel mai bine nevoilor dumneavoastr\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, de\u0219i ambele carduri au acoperire interna\u021bional\u0103, fiecare are un steag diferit. \u00cen plus, cardul Ourocard Universit\u00e1rio are un anumit public, \u00een timp ce cardul Acesso este o op\u021biune excelent\u0103 pentru cei care doresc s\u0103 controleze cheltuielile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219a c\u0103 citi\u021bi mai departe pentru a afla avantajele \u0219i dezavantajele fiec\u0103rui produs financiar \u0219i decide\u021bi care este cel mai bun pentru dvs. S\u0103 mergem?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZHFcFF\">\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-ourocard-universitario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 solicita\u021bi un card Ourocard Universit\u00e1rio\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\" 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-ourocard-universitario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 solicita\u021bi un card Ourocard Universit\u00e1rio\">\n            Cum s\u0103 solicita\u021bi un card Ourocard Universit\u00e1rio        <\/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            Cardul Ourocard Universit\u00e1rio este o alternativ\u0103 pentru studen\u021bii de licen\u021b\u0103. Renun\u021b\u0103 la dovada veniturilor \u0219i ofer\u0103 anuitate gratuit\u0103. Vezi cum s\u0103 comanzi!        <\/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-ourocard-universitario\/\"  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-ourocard-universitario\/\"  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\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\">          \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 solicita\u021bi un card Ourocard Universit\u00e1rio              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-ourocard-universitario\/\"  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-Z1Utisn\">\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-de-credito-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplica\u021bi pentru un card de credit\">\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-de-credito-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplica\u021bi pentru un card de credit\">\n            Cum s\u0103 aplica\u021bi pentru un card de credit        <\/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            Solicitarea cardului de credit Access este foarte u\u0219oar\u0103 \u0219i simpl\u0103. Vezi cum func\u021bioneaz\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\/como-solicitar-o-cartao-de-credito-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-de-credito-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 s\u0103 aplica\u021bi pentru un card de credit              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-de-credito-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\"><table><tbody><tr><td><\/td><td><strong>Ourocard Universit\u00e1rio<\/strong><\/td><td><strong>Acces<\/strong><\/td><\/tr><tr><td><strong>venitul minim&nbsp;<\/strong><strong><\/strong><\/td><td>nu este necesar<\/td><td>nu este necesar<\/td><\/tr><tr><td><strong>Anuitate<\/strong><strong><\/strong><\/td><td>F\u0103r\u0103 anuitate<\/td><td>R$ 5,95 pe lun\u0103<\/td><\/tr><tr><td><strong>Steag<\/strong><strong><\/strong><\/td><td>Visa<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Acoperi\u015f<\/strong><strong><\/strong><\/td><td>Interna\u0163ional<\/td><td>Interna\u0163ional<\/td><\/tr><tr><td><strong>Beneficii&nbsp;<\/strong><strong><\/strong><\/td><td>Limit\u0103 preaprobat\u0103 de R$ 1.500,00, plat\u0103 aproximativ\u0103<\/td><td>F\u0103r\u0103 consultare cu SPC sau Serasa, scutire de rent\u0103 atunci c\u00e2nd nu exist\u0103 sold<\/td><\/tr><\/tbody><\/table><figcaption>Dar, p\u00e2n\u0103 la urm\u0103, care sunt principalele sale caracteristici?<\/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-ourocard-universit%C3%A1rio\">Cardul Universit\u0103\u021bii Ourocard<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>F\u0103r\u0103 \u00eendoial\u0103, cardul este o op\u021biune bun\u0103 pentru cei care caut\u0103 mai mult\u0103 autonomie financiar\u0103. Astfel, av\u00e2nd \u00een vedere publicul studen\u021besc, Banco do Brasil a lansat cardul Ourocard Universit\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, dac\u0103 studiezi la un nivel superior \u0219i ai \u00eentre 16 \u0219i 28 de ani, cardul poate fi o oportunitate incredibil\u0103 pentru tine s\u0103 ai grij\u0103 de finan\u021bele tale \u00eentr-un mod practic \u0219i simplu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, dac\u0103 ave\u021bi sub 18 ani, va trebui s\u0103-i cere\u021bi tutorelui legal permisiunea de a aplica.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum, despre principalele caracteristici ale cardului, putem aminti acoperirea sa interna\u021bional\u0103 \u0219i steagul Visa. \u00cen acest fel, pute\u021bi face cump\u0103r\u0103turi \u00een Brazilia \u0219i \u00een \u00eentreaga lume mult mai u\u0219or, pe l\u00e2ng\u0103 faptul c\u0103 pute\u021bi face cump\u0103r\u0103turi personal \u0219i online. \u00cen plus, steagul v\u0103 permite s\u0103 participa\u021bi la programul Vai de Visa pentru a ob\u021bine reduceri speciale la diferite unit\u0103\u021bi partenere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, Banco do Brasil \u0219tie c\u0103 mul\u021bi studen\u021bi \u00eenc\u0103 nu pot lucra din cauza studiilor lor. Prin urmare, nu trebuie s\u0103 dovedi\u021bi venituri \u0219i cardul nu are nici o tax\u0103 anual\u0103. Deci aceasta este o oportunitate de a avea mai mult\u0103 libertate financiar\u0103, nu-i a\u0219a?<\/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\">Card de acces<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, cardul Access este o op\u021biune interesant\u0103 pentru cei care doresc s\u0103-\u0219i p\u0103streze controlul asupra finan\u021belor \u0219i s\u0103 nu se exagere cu cheltuielile. Acest lucru se datoreaz\u0103 faptului c\u0103 func\u021bioneaz\u0103 \u00een modul prepl\u0103tit \u0219i cheltui\u021bi doar suma disponibil\u0103 \u00een soldul contului dvs. Astfel, pentru a utiliza cardul, trebuie mai \u00eent\u00e2i s\u0103 \u00eel re\u00eenc\u0103rca\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, s\u0103 v\u0103 \u00eenc\u0103rca\u021bi cardul este foarte u\u0219or \u0219i o pute\u021bi face \u00een mai multe moduri, cum ar fi un talon bancar, transfer, depunere \u00eentr-un cont \u0219i chiar la unit\u0103\u021bi acreditate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O alt\u0103 caracteristic\u0103 a cardului este c\u0103 are acoperire interna\u021bional\u0103 pentru ca tu s\u0103 faci cump\u0103r\u0103turi \u00een magazine fizice \u0219i online, at\u00e2t \u00een Brazilia, c\u00e2t \u0219i \u00een str\u0103in\u0103tate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, ave\u021bi dou\u0103 versiuni de card: fizic\u0103 \u0219i virtual\u0103. Astfel, achizi\u021biile tale sunt mult mai practice, pe l\u00e2ng\u0103 faptul c\u0103 te po\u021bi abona \u0219i pl\u0103ti pentru servicii precum Netflix \u0219i Uber.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen fine, pute\u021bi solicita produsul financiar chiar dac\u0103 acesta este negativ, nefiind consultate organismele de protec\u021bie a creditului. Deci cardul este o modalitate excelent\u0103 de a avea grij\u0103 de finan\u021be, nu crezi?<\/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-ourocard-universit%C3%A1rio\">Care sunt avantajele cardului Ourocard Universit\u00e1rio?<\/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=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28971\" src=\"https:\/\/ucarecdn.com\/04545aa6-2aaf-4645-a907-481f2cec2830\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Deci care sunt avantajele tale? 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>A\u0219adar, s\u0103 vorbim acum despre principalele avantaje ale fiec\u0103rui card, astfel \u00eenc\u00e2t s\u0103 po\u021bi decide care se potrive\u0219te cel mai bine vie\u021bii tale financiare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, cardul Ourocard Universit\u00e1rio este un instrument foarte interesant pentru tinerii studen\u021bi din \u00eenv\u0103\u021b\u0103m\u00e2ntul superior pentru a-\u0219i controla finan\u021bele.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, cardul vine deja cu o limit\u0103 preaprobat\u0103 \u00een valoare de 1.500,00 R$. Astfel, \u00eel po\u021bi folosi \u00een func\u021bie de nevoile tale. Dar nu uita\u021bi s\u0103 \u021bine\u021bi cheltuielile sub control \u0219i s\u0103 ave\u021bi \u00eentotdeauna o planificare financiar\u0103 bun\u0103, astfel \u00eenc\u00e2t s\u0103 nu risca\u021bi s\u0103 genera\u021bi datorii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, Banco do Brasil este un mare sponsor al evenimentelor culturale, sportive \u0219i de divertisment, nu-i a\u0219a? A\u0219a c\u0103 clien\u021bii t\u0103i nu ar fi l\u0103sa\u021bi afar\u0103! Prin urmare, profita\u021bi de reduceri \u0219i promo\u021bii exclusive la mai multe dintre aceste evenimente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un alt avantaj al cardului este tehnologia de plat\u0103 aproximat\u0103. A\u0219a c\u0103, pentru a termina cump\u0103r\u0103turile, adu-\u021bi cardul Ourocard sau br\u0103\u021bara la aparat \u0219i gata! Astfel, opera\u021biunea este mult mai sigur\u0103, nefiind necesar\u0103 folosirea parolei.<\/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=\"4-quais-as-vantagens-do-cart%C3%A3o-acesso\">Care sunt avantajele cardului Access?<\/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=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28974\" src=\"https:\/\/ucarecdn.com\/93c62dd0-4bef-47ab-bad6-766e23a9c14d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Deci care sunt avantajele tale? 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>Acum, despre punctele pozitive ale cardului Acesso, putem men\u021biona c\u0103 nu trebuie s\u0103 fii titular de cont bancar pentru a-l comanda pe al t\u0103u. Astfel, v\u0103 bucura\u021bi de toate beneficiile sale f\u0103r\u0103 s\u0103 v\u0103 face\u021bi griji cu privire la deschiderea unui cont.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, este foarte u\u0219or s\u0103-l comanzi pe al t\u0103u! Deci, ave\u021bi dou\u0103 op\u021biuni de cump\u0103rare: prin site-ul oficial sau \u00een magazine \u0219i pie\u021be acreditate. Este foarte practic, nu?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, taxa lunar\u0103 pentru taxa de \u00eentre\u021binere a cardului dvs. este efectuat\u0103 numai dac\u0103 ave\u021bi un sold. Deci, nu trebuie s\u0103 v\u0103 face\u021bi griji c\u0103 ave\u021bi un cont negativ.<\/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, cardul are marca Mastercard care ofer\u0103 mai multe beneficii clien\u021bilor s\u0103i. Astfel, \u00ee\u021bi po\u021bi folosi cardul \u00een mii de unit\u0103\u021bi acreditate din \u00eentreaga lume, pe l\u00e2ng\u0103 participarea la programul de recompense Mastercard Surpreenda.<\/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=\"5-quais-as-desvantagens-do-cart%C3%A3o-ourocard-universit%C3%A1rio\">Care sunt dezavantajele cardului Ourocard Universit\u00e1rio?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, a\u0219a cum am men\u021bionat deja, cardul are anumite restric\u021bii stabilite pentru clien\u021bii s\u0103i. Prin urmare, po\u021bi aplica pentru produsul t\u0103u financiar doar dac\u0103 ai \u00eentre 16 \u0219i 28 de ani \u0219i e\u0219ti \u00eenscris la un curs de nivel superior.<\/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 nu mai \u00eendeplini\u021bi aceste cerin\u021be, Banco do Brasil v\u0103 poate schimba cardul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, de\u0219i plata aproximativ\u0103 cu br\u0103\u021bara Ourocard este o modalitate foarte practic\u0103 de a-\u021bi face achizi\u021biile, exist\u0103 o tax\u0103 de R$ 40,00 pentru a-l achizi\u021biona pe a ta. Cu toate acestea, este op\u021bional \u0219i pute\u021bi continua s\u0103 utiliza\u021bi tehnologia \u00een mod normal doar cu cardul.<\/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-acesso\">Care sunt dezavantajele cardului Access?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, unul dintre punctele negative ale cardului este c\u0103 exist\u0103 ni\u0219te taxe pentru efectuarea anumitor opera\u021biuni. De exemplu, pentru re\u00eenc\u0103rc\u0103ri sub R$ 500,00, taxa de serviciu este R$ 2,50. Dac\u0103 suma este mai mare, re\u00eenc\u0103rcarea este gratuit\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 percepe o tax\u0103 lunar\u0103 de 5,95 R$. Dar, a\u0219a cum am men\u021bionat deja, trebuie s\u0103 ave\u021bi un sold pentru suma care trebuie dedus\u0103. \u00cen acest fel, nu vei ajunge niciodat\u0103 cu un cont negativ.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, nu pute\u021bi pl\u0103ti pentru achizi\u021biile dvs. \u00een rate. Acest lucru se datoreaz\u0103 faptului c\u0103 cardul este prepl\u0103tit \u0219i nu permite acest tip de opera\u021biune.<\/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-ourocard-universit%C3%A1rio-ou-cart%C3%A3o-acesso-qual-escolher\">Cardul Ourocard Universit\u00e1rio sau cardul Access: pe care s\u0103-l alegi?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum c\u0103 \u0219tii mai bine despre cele dou\u0103 c\u0103r\u021bi, este mai u\u0219or s\u0103 iei o decizie, nu-i a\u0219a? Cardul Ourocard Universit\u00e1rio sau cardul Access?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, pentru a aplica pentru cardul Ourocard Universit\u00e1rio, trebuie s\u0103 faci studii superioare, pe l\u00e2ng\u0103 faptul c\u0103 ai \u00eentre 16 \u0219i 28 de ani. Iar daca te incadrezi in aceasta categorie, cardul este plin de avantaje, precum plata aproximativa si limita pre-aprobata.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cardul Access, in schimb, este perfect pentru cei care doresc sa controleze cheltuielile, fiind necesar sa aiba un sold in cont pentru a-l folosi. Cu toate acestea, nu este cea mai bun\u0103 op\u021biune pentru cei care doresc s\u0103 fac\u0103 achizi\u021bii \u00een rate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, evalueaz\u0103 cu calm fiecare card pentru a-l alege pe cel mai potrivit pentru nevoile tale financiare actuale.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar dac\u0103 a\u021bi ajuns p\u00e2n\u0103 aici \u0219i mai ave\u021bi \u00eendoieli, v\u0103 putem ajuta! A\u0219adar, consulta\u021bi con\u021binutul nostru recomandat de mai jos, cu o compara\u021bie a \u00eenc\u0103 dou\u0103 carduri uimitoare disponibile pe pia\u021b\u0103.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1dpNu3\">\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-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Card Renner sau card Polishop?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3ef75870-1b79-4cdc-8cbb-e423e5471485\/\" 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-renner-ou-cartao-polishop-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Card Renner sau card Polishop?\">\n            Card Renner sau card Polishop?        <\/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            Card Renner sau card Polishop: afla totul despre aceste dou\u0103 carduri cu reduceri exclusive la achizi\u021biile din magazinele fizice \u0219i online.        <\/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-renner-ou-cartao-polishop-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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