{"id":29021,"date":"2021-08-16T23:00:00","date_gmt":"2021-08-16T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29021"},"modified":"2023-02-21T15:00:41","modified_gmt":"2023-02-21T15:00:41","slug":"cartao-havan-ou-cartao-shoptime-qual-o-melhor","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-shoptime-qual-o-melhor\/","title":{"rendered":"Card Havan sau Card Shoptime: care este mai bun?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-havan-x-shoptime-descubra-qual-escolher\">Havan x Shoptime: descubra qual escolher<\/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 Shoptime? Fonte: Pexels.\"  id=\"29364\" src=\"https:\/\/ucarecdn.com\/10f14dcd-6907-433c-82ca-4d965a6a5f04\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Havan ou cart\u00e3o Shoptime? Fonte: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Embora pare\u00e7am similares, as op\u00e7\u00f5es cart\u00e3o Havan ou cart\u00e3o Shoptime tem diferen\u00e7as espec\u00edficas. Enquanto a primeira oferece descontos, parcelas sem juros e n\u00e3o cobra taxas mensais, a segunda cobra algumas tarifas mas possui bandeira de cr\u00e9dito, possibilitando compras em outros locais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Conforme voc\u00ea faz compras no cart\u00e3o Shoptime, \u00e9 poss\u00edvel conseguir cashback por meio do AME, al\u00e9m de participar dos programas de pontos da bandeira Visa, que desde 2017 est\u00e1 associada ao cart\u00e3o. Al\u00e9m disso, existe tamb\u00e9m o programa de pontos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por outro lado, o cart\u00e3o Havan costuma ser mais f\u00e1cil aprova\u00e7\u00e3o, n\u00e3o possui burocracias para cancelamento e tamb\u00e9m n\u00e3o associa o cliente a contratos com bandeiras de cr\u00e9dito, por exemplo. Ademais, \u00e9 interessante para quem possui uma renda mais baixa e precisa comprar muitos produtos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, vamos comparar esses dois cart\u00f5es e trazer mais detalhes dos benef\u00edcios de cada um. Certamente, at\u00e9 o final do artigo, voc\u00ea ter\u00e1 informa\u00e7\u00f5es suficientes para escolher o melhor para seu bolso. Continue conosco!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-dJ3Nj\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Havan\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Havan\">\n            Cum s\u0103 aplici pentru cardul Havan        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Perfeito para quem busca descontos e parcelamentos sem juros, al\u00e9m de dispensa do pagamento de anuidade e taxa de ades\u00e3o. Solicite o seu.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/326cc1cd-8c63-4ae6-b53a-f446a3a609c6\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cum s\u0103 aplici pentru cardul Havan              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-havan\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1t31az\">\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-shoptime\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Shoptime\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\" 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-shoptime\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Shoptime\">\n            Cum s\u0103 aplici pentru cardul Shoptime        <\/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            O cart\u00e3o Shoptime possui bandeira Visa,  descontos e  parcelamentos longos sem juros. Solicite o seu a aproveite para fazer compras dentro e fora do site!        <\/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-shoptime\/\"  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-shoptime\/\"  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\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\">          \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 Shoptime              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-shoptime\/\"  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>Cardul Shoptime<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>R$800.00<\/td><td>Salariu minim<\/td><\/tr><tr><td><strong>Anuitate<\/strong><\/td><td>Scuti<\/td><td>12x de R$13,08<\/td><\/tr><tr><td><strong>Steag<\/strong><\/td><td>nu are<\/td><td>Visa<\/td><\/tr><tr><td><strong>Acoperi\u015f<\/strong><\/td><td>Na\u0163ional<\/td><td>Na\u0163ional&nbsp;<\/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>P\u00e2n\u0103 la 45 de zile pentru plata facturii<br>Limite adicional para compras realizadas na loja<br>Cashback Ame<\/td><\/tr><\/tbody><\/table><figcaption>Dar p\u00e2n\u0103 la urm\u0103 pe care s\u0103 o aleg?<\/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>Inegavelmente, a Havan se tornou uma das maiores redes de varejo do Brasil, com 161 lojas em 2021. Portanto, \u00e9 uma rede segura que est\u00e1 evoluindo no quesito cat\u00e1logo de produtos, j\u00e1 que o tempo todos eles entram em um novo ramo para atrair clientes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ali\u00e1s, o crescimento das megalojas foi o que tornou o cart\u00e3o Havan poss\u00edvel, e desde que foi criado, ele permanece quase o mesmo: oferecendo zero anuidade ou taxa de ades\u00e3o, descontos que chegam a 70% em alguns momentos, parcelamento em at\u00e9 10x sem juros e bom prazo para come\u00e7ar a pagar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, o pedido do cart\u00e3o Havan \u00e9 feito sem burocracia, direto na loja ou pela internet, ou seja, espere por uma aprova\u00e7\u00e3o r\u00e1pida e compras na hora, j\u00e1 que assim que o limite \u00e9 aprovado voc\u00ea poder\u00e1 utilizar mesmo sem o cart\u00e3o f\u00edsico.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, comparando o cart\u00e3o Havan ou cart\u00e3o Shoptime, a primeira op\u00e7\u00e3o \u00e9 indicada para quem busca algo b\u00e1sico, r\u00e1pido e que ainda resulta em economia de dinheiro. Ademais, ser cliente ass\u00edduo da loja tamb\u00e9m aumenta as chances de aprova\u00e7\u00e3o.<\/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-shoptime-\"><strong>Cardul Shoptime<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enquanto muita gente crescia ou envelhecia, o Shoptime foi uma das empresas que fez parte da vida de muita gente. Isso porque em 1995 come\u00e7ou como um canal de televendas de outros produtos muito popular, e com o crescimento, se tornou ele pr\u00f3prio um vendedor direto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, a empresa brasileira criou um cart\u00e3o de cr\u00e9dito com bandeira Visa h\u00e1 algum tempo, ou seja, o cliente consegue aproveitar promo\u00e7\u00f5es do site e de quebra, passa a fazer compras em outros locais desde que tenha o limite aprovado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, participa do cashback Ame, ou seja, parte do valor da compra feita com cart\u00e3o Shoptime volta para sua conta, sem falar que eles d\u00e3o 45 dias para pagar a primeira parcela de produtos e, ainda, oportunizam saque de limite de cr\u00e9dito pelo aplicativo Cetelem, telefone ou rede Banco24Horas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, na compara\u00e7\u00e3o entre o cart\u00e3o Havan ou cart\u00e3o Shoptime, a segunda escolha se torna ideal quando a busca \u00e9 por um cart\u00e3o de cr\u00e9dito com bandeira, programas de pontos e benef\u00edcios exclusivos nos produtos Shoptime.<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Contudo, o cart\u00e3o Havan aparece como uma op\u00e7\u00e3o muito mais barata se compararmos com outros do mesmo tipo, j\u00e1 que n\u00e3o possui taxas, o que traz vantagens para quando parcelas longas s\u00e3o criadas. A seguir, veja outros benef\u00edcios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Rate f\u0103r\u0103 dob\u00e2nd\u0103 p\u00e2n\u0103 la 10 rate;<\/li><li>Prima plata a ratelor cu termen de 40 de zile;<\/li><li>Alegerea clientului a 9 date de expirare;<\/li><li>F\u0103r\u0103 abonament sau tax\u0103 anual\u0103;<\/li><li>Venit minim pentru aprobare;<\/li><li>Reduceri mari la diverse produse din magazine, inclusiv online.<\/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-shoptime-\"><strong>Care sunt avantajele cardului Shoptime?<\/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=\"Benef\u00edcios do cart\u00e3o Shoptime. Fonte: Shoptime.\"  id=\"27203\" src=\"https:\/\/ucarecdn.com\/443d33be-ff8d-4e97-8e1e-e10a45d35088\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Benef\u00edcios do cart\u00e3o Shoptime. Fonte: Shoptime.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Embora pare\u00e7a um cart\u00e3o de dif\u00edcil aprova\u00e7\u00e3o, o cart\u00e3o Shoptime oferece benef\u00edcios que valem a pena a espera e se mostra como uma op\u00e7\u00e3o menos burocr\u00e1tica do que as apresentadas por outras lojas do mesmo porte. Ademais, conhe\u00e7a algumas das suas vantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Solicite online e receba em casa;<\/li><li>Tenha 45 dias para pagar a primeira parcela;<\/li><li>Programa de pontos Shop+, a cada um real gasto, voc\u00ea ganha um ponto para ser trocado em vale-presentes;<\/li><li>Saque pela internet ou caixas do Banco24Horas;<\/li><li>Parcelamento de at\u00e9 36x sem juros na rede Shoptime;<\/li><li>Acesso a cr\u00e9dito pessoal e seguros.<\/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><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por mais que o cart\u00e3o Havan atenda o cliente em alguns crit\u00e9rios, ele limita os consumidores a comprar somente na rede da marca. Al\u00e9m disso, se voc\u00ea mora muito longe de uma das lojas, n\u00e3o conseguir\u00e1 ter aprova\u00e7\u00e3o nem para fazer compras pelo site. Ademais, veja mais algumas desvantagens, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Permite cereri de card doar atunci c\u00e2nd locui\u021bi \u00een apropierea unui magazin Havan;<\/li><li>Nu pute\u021bi utiliza limita de credit \u00een alt\u0103 parte;<\/li><li>Juros altos em casos de atraso no pagamento;<\/li><li>N\u00e3o tem bandeira de cr\u00e9dito;<\/li><li>N\u00e3o te d\u00e1 benef\u00edcios quando se compra com frequ\u00eancia.<\/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-shoptime-\"><strong>Care sunt dezavantajele cardului Shoptime?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sem d\u00favida, o que mais desanima o cliente do cart\u00e3o Shoptime \u00e9 n\u00e3o poder fazer compras internacionais, enquanto que cart\u00f5es similares permitem esse uso de limite atrav\u00e9s da bandeira de cr\u00e9dito. Mas, h\u00e1 mais desvantagens tamb\u00e9m, como as mencionadas abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Somente compras nacionais;<\/li><li>Pague sempre uma anuidade que passa de R$13,00;<\/li><li>Exig\u00eancia de renda m\u00ednima;<\/li><li>O cart\u00e3o f\u00edsico demora a chegar;<\/li><li>Os descontos existem, mas os melhores s\u00e3o para produtos Shoptime.<\/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-shoptime-qual-escolher-\"><strong>Cart\u00e3o Havan ou Cart\u00e3o Shoptime: qual escolher?<\/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=\"Cart\u00e3o Havan ou Cart\u00e3o Shoptime: qual escolher? Fonte: Pxhere.\"  id=\"29024\" src=\"https:\/\/ucarecdn.com\/799d42cb-8158-499c-9ed9-0f8d72e0df77\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Havan ou Cart\u00e3o Shoptime: qual escolher? Fonte: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, agora que voc\u00ea conhece os dois, conseguiu decidir entre o cart\u00e3o Havan ou cart\u00e3o Shoptime? Em suma, um \u00e9 ideal para quem possui renda baixa, quer fazer compras de alto valor de produtos que a Havan possui sem pagar taxas, ou seja, \u00e9 um cart\u00e3o b\u00e1sico focado apenas em compras de produtos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uma vez que voc\u00ea percebeu a falta de atributos neste caso, o cart\u00e3o Shoptime \u00e9 mais completo em rela\u00e7\u00e3o a finan\u00e7as, porque possui uma cobertura nacional, com bandeira Visa, parcelamento muito mais longo sem juros e possibilidade de economizar em diversos aspectos, at\u00e9 mesmo com cashback.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, ainda que as informa\u00e7\u00f5es estejam a\u00ed, sabemos o quanto \u00e9 dif\u00edcil decidir. Portanto, separamos abaixo mais um comparativo feito especialmente para quem ainda est\u00e1 em d\u00favida! Confira abaixo mais op\u00e7\u00f5es como essas e coloque mais ideias para seu ranking. Lembre-se de priorizar sua situa\u00e7\u00e3o financeira e tamb\u00e9m as suas necessidades do momento.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1LjOgj\">\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-mercado-pago-ou-cartao-brazilian-business-bank\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Mercado Pago ou Cart\u00e3o BBB?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/04545aa6-2aaf-4645-a907-481f2cec2830\/\" 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-mercado-pago-ou-cartao-brazilian-business-bank\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Mercado Pago ou Cart\u00e3o BBB?\">\n            Cart\u00e3o Mercado Pago ou Cart\u00e3o BBB?        <\/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            Tanto Mercado Pago quanto o cart\u00e3o Brazilian Business Bank possuem cobertura internacional e voc\u00ea pode controlar tudo pelo aplicativo. 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Ent\u00e3o, decida conosco entre cart\u00e3o Havan ou cart\u00e3o Shoptime.<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[179,835,525,883,1340,884],"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 Shoptime: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Decida entre cart\u00e3o Havan ou cart\u00e3o Shoptime. Um oferece descontos e o outro tem as mesmas vantagens, mas bandeira de cr\u00e9dito. 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