{"id":29694,"date":"2021-08-19T12:00:00","date_gmt":"2021-08-19T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=29694"},"modified":"2023-02-21T14:59:16","modified_gmt":"2023-02-21T14:59:16","slug":"cartao-ibicard-ou-cartao-havan","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/cartao-ibicard-ou-cartao-havan\/","title":{"rendered":"Card Ibicard sau Havan: pe care s\u0103-l alegi?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-ibicard-x-havan-descubra-qual-escolher\">Ibicard x Havan: 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 Ibicard ou Cart\u00e3o Havan: um para negativados, outro para quem precisa de descontos. Fonte: Pxhere.\"  id=\"29699\" src=\"https:\/\/ucarecdn.com\/350538bf-b377-4715-aa03-28c3f4471b6b\/\" 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 Ibicard sau Card Havan: unul pentru persoanele cu credite negative, cel\u0103lalt pentru cei care au nevoie de reduceri. Sursa: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cenainte de a vorbi despre compara\u021bia dintre cardul Ibicard \u0219i cardul Havan, trebuie s\u0103 l\u0103murim c\u00e2teva puncte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe m\u0103sur\u0103 ce anii au trecut, b\u0103ncile \u0219i companiile au c\u0103utat alternative pentru a servi un public care este de obicei exclus, care au un scor negativ \u0219i un scor sc\u0103zut. Astfel, in aceasta stare, cei mai multi nu pot obtine carduri de credit si sunt impiedicati sa faca cumparaturi in rate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, aceste alternative variaz\u0103 de la carduri prepl\u0103tite, carduri de magazin mai flexibile \u0219i, \u00een unele cazuri, carduri tradi\u021bionale care fac excep\u021bii pentru cei \u00eendatora\u021bi, deschiz\u00e2ndu-\u0219i ni\u0219te \u0219anse \u0219i permi\u021b\u00e2nd achizi\u021bii \u00een regim de credit, fie \u00een rate sau nu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Av\u00e2nd \u00een vedere acest lucru, v\u0103 vom prezenta dou\u0103 tipuri diferite de carduri, cardul Ibicard sau cardul Havan, unul care nu necesit\u0103 dovada veniturilor \u0219i poate fi eliberat pentru negative \u0219i cel\u0103lalt, despre care se \u0219tie c\u0103 are aproape f\u0103r\u0103 taxe \u0219i ofer\u0103, de asemenea, reduceri grozave pentru clien\u021bii magazinului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, verific\u0103 compara\u021bia \u0219i \u021bine cont de sfaturi pentru a \u00een\u021belege care ar fi ideal pentru bugetul t\u0103u, amintindu-\u021bi c\u0103 unul este specific magazinului, iar cel\u0103lalt este mai larg, cu steaguri de credit \u0219i permi\u021b\u00e2nd achizi\u021bii interna\u021bionale. S\u0103 mergem!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2cG1n6\">\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-ibicard-facil\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum se solicit\u0103 cardul Ibicard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5abadb8f-7b2c-439c-85f3-d2fa69d31980\/\" 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-ibicard-facil\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum se solicit\u0103 cardul Ibicard\">\n            Cum se solicit\u0103 cardul Ibicard        <\/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            Ideal pentru negative, cardul Ibicard este de la Banco Bradesco \u0219i permite clien\u021bilor cu scor sc\u0103zut s\u0103 cumpere credit, pe l\u00e2ng\u0103 tranzac\u021biile interna\u021bionale!        <\/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-ibicard-facil\/\"  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); 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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-ibicard-facil\/\"  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\/5abadb8f-7b2c-439c-85f3-d2fa69d31980\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Cum se solicit\u0103 cardul Ibicard              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-ibicard-facil\/\"  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-Z26xLPa\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/conheca-o-cartao-de-credito-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Havan\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/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\/conheca-o-cartao-de-credito-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Havan\">\n            Cum s\u0103 aplici pentru cardul Havan        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Reducerile exclusive \u0219i ratele f\u0103r\u0103 dob\u00e2nd\u0103 de p\u00e2n\u0103 la 10 rate sunt c\u00e2teva dintre avantajele cardului Havan, care ofer\u0103 \u0219i 40 de zile pentru plata primelor rate!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/conheca-o-cartao-de-credito-havan\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/ro\/conheca-o-cartao-de-credito-havan\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/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\/conheca-o-cartao-de-credito-havan\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"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>Card Ibicard<\/strong><\/td><td><strong>Havana card<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>nu este necesar<\/td><td>R$800.00<\/td><\/tr><tr><td><strong>Anuitate<\/strong><\/td><td>R$ 36,00<\/td><td>Scuti<\/td><\/tr><tr><td><strong>Steag<\/strong><\/td><td>MasterCard<\/td><td>nu are<\/td><\/tr><tr><td><strong>Acoperi\u015f<\/strong><\/td><td>National si international<\/td><td>Na\u0163ional<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>Posibil\u0103 acceptare pentru cei cu un nume murdar<br>Nu este nevoie s\u0103 dovedi\u021bi venitul<br>Ob\u021bine\u021bi o perioad\u0103 de p\u00e2n\u0103 la 40 de zile pentru a pl\u0103ti prima tran\u0219\u0103 a achizi\u021biilor<\/td><td>Plata in pana la 10 rate fara dobanda<br>Reduceri ajung la 90% \u00een unele sezoane<br>Nu pl\u0103ti\u021bi abonament sau tax\u0103 anual\u0103<\/td><\/tr><\/tbody><\/table><figcaption>Dar, p\u00e2n\u0103 la urm\u0103, care sunt principalele detalii?<\/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-ibicard-\"><strong>Card Ibicard<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Desigur, este greu de crezut c\u0103 un card de credit poate fi dat persoanelor cu credit prost, dar Ibi confirm\u0103 c\u0103 este. De altfel, printre cerin\u021be cer deplasare, dar elibereaz\u0103 modalitatea de creditare, cu limite bune \u0219i posibilitate de cump\u0103rare online.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, cardul Ibicard a fost achizi\u021bionat de Banco Bradesco \u0219i p\u0103streaz\u0103 caracteristici interesante precum posibilitatea de a pl\u0103ti facturile cu termen de 40 de zile. \u00cen plus, clientul, chiar dac\u0103 este negativ, poate beneficia de marca Mastercard, cu posibilitatea de a acumula puncte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este o op\u021biune excelent\u0103 atunci c\u00e2nd c\u0103uta\u021bi un card de credit mai tradi\u021bional, acord\u00e2nd prioritate alegerii \u00eentre cardul Ibicard \u0219i cardul Havan atunci c\u00e2nd lua\u021bi o decizie, acesta din urm\u0103 put\u00e2nd fi folosit doar \u00een megamagazine.<\/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-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>De\u0219i nu este la fel de avantajoas\u0103 pentru clien\u021bii non-Havan, aceast\u0103 op\u021biune este excelent\u0103 pentru cei care fac cump\u0103r\u0103turi de obicei la magazin \u0219i vor s\u0103 pl\u0103teasc\u0103 mai pu\u021bin, adic\u0103 f\u0103r\u0103 s\u0103 pl\u0103teasc\u0103 taxe de membru sau cotiza\u021bii lunare. Prin urmare, pl\u0103ti\u021bi numai ratele create \u00een timpul achizi\u021biei f\u0103r\u0103 nicio tax\u0103 suplimentar\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este posibil s\u0103 pl\u0103ti\u021bi cump\u0103r\u0103turi \u00een p\u00e2n\u0103 la 10 rate \u0219i s\u0103 nu pl\u0103ti\u021bi nicio dob\u00e2nd\u0103, ceea ce este excelent pentru cei care au nevoie s\u0103 fac\u0103 achizi\u021bii de mare valoare \u0219i nu au suma total\u0103. In plus, clientul poate alege intre noua scadente pentru facturi, si le poate schimba ori de cate ori doreste, atata timp cat nu exista scadente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen sf\u00e2r\u0219it, c\u00e2nd faci prima achizi\u021bie, mai ai la dispozi\u021bie 40 de zile s\u0103 pl\u0103te\u0219ti prima tran\u0219\u0103 cu toleran\u021b\u0103 pentru urm\u0103toarele, a\u0219a c\u0103, \u00een momentul accept\u0103rii comenzii, prime\u0219ti reduceri la majoritatea produselor, avantaje \u0219i, chiar mai mult, pl\u0103te\u0219ti exact c\u00e2t ai consumat. Prin urmare, atunci c\u00e2nd alege\u021bi \u00eentre cardurile Ibicard sau Havan, \u021bine\u021bi cont de frecven\u021ba dvs. \u00een magazine.<\/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-ibicard-\"><strong>Care sunt avantajele cardului Ibicard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen principal pentru negative, cardul Ibicard apare ca o op\u021biune f\u0103r\u0103 dovezi de venit sau analize de c\u0103tre birourile de credit, precum SPC\/Serasa. De asemenea, vezi si alte avantaje.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>De\u0219i exist\u0103 o anuitate, aceasta este sc\u0103zut\u0103;<\/li><li>Ave\u021bi puncte \u0219i schimba\u021bi pentru produse;<\/li><li>Pl\u0103ti\u021bi chiar \u0219i facturile de ap\u0103 \u0219i electricitate;<\/li><li>Retrageri la banca Bradesco;<\/li><li>Muta\u021bi \u0219i face\u021bi retrageri la sucursale sau aplica\u021bia Bradesco.<\/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-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>\u00cen primul r\u00e2nd, cardul Havan este unul dintre singurele care ofer\u0103 limite mari pentru veniturile mici, f\u0103c\u00e2nd cump\u0103r\u0103turi gratuite chiar dac\u0103 nu ai card fizic, care ajunge la c\u00e2teva zile dup\u0103 plasarea comenzii. Vezi mai jos alte beneficii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Pl\u0103ti\u021bi primele rate \u00een 40 de zile;<\/li><li>Plata in pana la 10 rate fara plata dobanzii;<\/li><li>Investe\u0219te \u00eentr-un card de credit care ofer\u0103 reduceri la majoritatea produselor;<\/li><li>Alege\u021bi dintre 9 termene limit\u0103 \u0219i modifica\u021bi-le dup\u0103 cum crede\u021bi de cuviin\u021b\u0103;<\/li><li>Ob\u021bine\u021bi aprobare u\u0219oar\u0103 chiar \u0219i cu un scor sc\u0103zut;<\/li><li>Comanda online si cumpara fara a iesi de acasa;<\/li><li>Controla\u021bi toate ratele \u0219i pl\u0103\u021bile prin intermediul site-ului magazinului.<\/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-ibicard-\"><strong>Care sunt dezavantajele cardului Ibicard?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, quais s\u00e3o as desvantagens. Fonte: Ibicard.\"  id=\"20911\" src=\"https:\/\/ucarecdn.com\/a0a4d66f-f503-42c5-9542-bf525d5206aa\/\" 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 dezavantajele. Sursa: Ibicard.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oric\u00e2t de mult este un card de credit bun pentru negative, exist\u0103 c\u00e2teva critici de f\u0103cut la adresa cardului Ibicard, printre acestea, plata unor comisioane mari nu ar fi interesant\u0103, iar aceast\u0103 op\u021biune \u00eencaseaz\u0103 ceva: folosind limita sau nu, vei pl\u0103ti. taxe \u0219i dac\u0103 face\u021bi o retragere, pute\u021bi pl\u0103ti p\u00e2n\u0103 la 7.90%. Prin urmare, dac\u0103, de exemplu, exist\u0103 o rat\u0103 de factur\u0103, taxa poate ajunge la 4.90%.<\/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-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>Este incontestabil pu\u021bin interesant s\u0103 ai o limit\u0103 de credit bun\u0103 \u0219i s\u0103 nu o po\u021bi folosi \u00een alte locuri dec\u00e2t magazinele Havan, ceea ce limiteaz\u0103 clientul, \u00een plus, s\u0103 nu \u00eencerce s\u0103 cear\u0103 cardul Havan dac\u0103 locuie\u0219ti prea departe! Asta pentru c\u0103 comanda este permis\u0103 doar pentru cei din apropierea unui magazin, cel pu\u021bin 200 de kilometri.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen sf\u00e2r\u0219it, este un card de credit foarte simplu, spre deosebire de alte magazine mari care au un steag \u0219i fac posibile achizi\u021bii interna\u021bionale, adic\u0103 cardul Havan nu are un steag de credit sau vreo rela\u021bie cu b\u0103ncile, ceea ce prinde din nou clientul \u00een -numai cumparaturi din magazin.<\/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-ibicard-ou-cart%C3%A3o-havan-qual-escolher-\"><strong>Card Ibicard sau Havan: pe care s\u0103-l 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: Pxhere.\"  id=\"29701\" src=\"https:\/\/ucarecdn.com\/b543d4ad-0282-480c-805f-427cc5e3278d\/\" 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: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, s\u0103 \u0219ti\u021bi c\u0103 alegerea va fi \u00eentre un card de credit care ofer\u0103 o limit\u0103 pentru negative \u0219i unul care are un scor sc\u0103zut, f\u0103c\u00e2nd din nou posibil\u0103 abonamentul la servicii de streaming, la aplica\u021bii de alimenta\u021bie sau de transport, \u00een timp ce cel\u0103lalt ofer\u0103 un nivel ridicat. limit\u0103 de cheltuieli la orice magazin Havan \u0219i este plin de facilit\u0103\u021bi de plat\u0103.<\/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 fost luat\u0103 o decizie \u00eentre cardul Ibicard \u0219i cardul Havan, nu v\u0103 face\u021bi griji, deoarece echipa noastr\u0103 a preg\u0103tit \u00eenc\u0103 o compara\u021bie, astfel \u00eenc\u00e2t s\u0103 nu r\u0103m\u00e2ne\u021bi f\u0103r\u0103 achizi\u021bii prin credit \u0219i s\u0103 ave\u021bi acces la cea mai bun\u0103 plat\u0103. conditii! Apoi face\u021bi clic mai jos!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-qCsEQ\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-carrefour-qual-o-melhor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Havan Card sau Carrefour Card?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5727c717-0065-4846-8a70-955b3ae26423\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-carrefour-qual-o-melhor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Havan Card sau Carrefour Card?\">\n            Havan Card sau Carrefour Card?        <\/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            Prezentat printre magazinele importante din \u021bar\u0103, unul dintre carduri are o marc\u0103 de credit, \u00een timp ce cel\u0103lalt ofer\u0103 rate exclusive f\u0103r\u0103 dob\u00e2nd\u0103. Afla\u021bi mai multe!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/cartao-havan-ou-cartao-carrefour-qual-o-melhor\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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