{"id":61762,"date":"2022-06-16T12:00:00","date_gmt":"2022-06-16T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=61762"},"modified":"2022-06-17T00:38:16","modified_gmt":"2022-06-17T00:38:16","slug":"acordo-do-cartao","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/acordo-do-cartao\/","title":{"rendered":"Am \u00eencheiat un acord de card: \u00eel pot folosi din nou?"},"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>Vede\u021bi dac\u0103 utilizarea cardului este eliberat\u0103 \u00een timpul acordului!<\/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=\"Saiba o que acontece com o uso do cart\u00e3o de cr\u00e9dito durante um acordo. Fonte: Adobe Stock.\"  id=\"62067\" src=\"https:\/\/cdn.adtechpanda.com\/0c15b420-5d88-4d8a-8e66-cce978da394b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afla\u021bi ce se \u00eent\u00e2mpl\u0103 cu utilizarea cardului de credit \u00een timpul unui acord. Sursa: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mul\u021bi brazilieni ajung s\u0103 contracteze datorii pe cardurile lor de credit care, \u00een timp, devin imposibil de pl\u0103tit. Pentru a inversa aceast\u0103 situa\u021bie, mul\u021bi aleg s\u0103 \u00eencheie un acord cu cardul lor de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proced\u00e2nd astfel, banca sau institu\u021bia financiar\u0103 este capabil\u0103 s\u0103 ofere unele avantaje pentru ca persoana s\u0103 poat\u0103 achita datoria. Reducerile de dob\u00e2nd\u0103 \u0219i un termen mai prietenos sunt c\u00e2teva dintre punctele pozitive pe care le pute\u021bi ob\u021bine atunci c\u00e2nd face\u021bi o afacere.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1IbrKa\">\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\/tirar-nome-do-vermelho\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Pas cu pas pentru a scoate numele din ro\u0219u!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/70a773da-493e-48e2-a7de-b99d594bfcca\/\" alt=\"Dois cart\u00f5es de cr\u00e9ditos segurados por uma m\u00e3o masculina com uma loja no fundo.\">\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\/tirar-nome-do-vermelho\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Pas cu pas pentru a scoate numele din ro\u0219u!\">\n            Pas cu pas pentru a scoate numele din ro\u0219u!        <\/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            Vezi sfaturi pentru a-\u021bi putea achita datoriile \u0219i a putea avea o via\u021b\u0103 financiar\u0103 mai lini\u0219tit\u0103 \u0219i s\u0103n\u0103toas\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\/tirar-nome-do-vermelho\/\"  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') && 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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\/tirar-nome-do-vermelho\/\"  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\/70a773da-493e-48e2-a7de-b99d594bfcca\/\">          \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                Pas cu pas pentru a scoate numele din ro\u0219u!              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/tirar-nome-do-vermelho\/\"  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=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, este important s\u0103 fi\u021bi aten\u021bi la acest tip de opera\u021biuni \u0219i s\u0103 face\u021bi tot posibilul pentru a efectua pl\u0103\u021bi \u00een termenele specificate. \u00cen articolul urm\u0103tor, ve\u021bi afla cum se face o decontare cu cardul de credit \u0219i dac\u0103 risca\u021bi s\u0103 v\u0103 pierde\u021bi cardul f\u0103c\u00e2nd acest lucru.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-F7uTr\">\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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Consulta\u021bi 5 sfaturi pentru a v\u0103 planifica finan\u021bele!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/88e608ff-32c0-4e00-85db-f83a325e0f5d\/\" alt=\"Duas pessoas sentadas com uma mesa cheia de pap\u00e9is a sua frente.\">\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 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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');*\/ 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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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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\/88e608ff-32c0-4e00-85db-f83a325e0f5d\/\">          \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                Consulta\u021bi 5 sfaturi pentru a v\u0103 planifica finan\u021bele!              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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><!--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>C\u00e2nd faci o afacere, \u00ee\u021bi pierzi cardul?<\/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=\"Descubra o que acontece com seu cart\u00e3o de cr\u00e9dito ao fazer um acordo. Fonte: Pexels.\"  id=\"62073\" src=\"https:\/\/cdn.adtechpanda.com\/9405c69a-ad80-45d9-9c55-eaa08a4b6a44\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afla\u021bi ce se \u00eent\u00e2mpl\u0103 cu cardul dvs. de credit atunci c\u00e2nd face\u021bi o afacere. 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>Simplul act de a \u00eencheia un acord de decontare a datoriilor cu cardul de credit nu v\u0103 face s\u0103 pierde\u021bi cardul \u00een \u00eentregime. Respect\u00e2nd acordul \u0219i efectu\u00e2nd pl\u0103\u021bi \u00een termenele solicitate, ve\u021bi putea folosi cardul de credit \u00een mod normal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar dac\u0103 nu respecta\u021bi cerin\u021bele acordului, cum ar fi neefectuarea pl\u0103\u021bii, risca\u021bi s\u0103 v\u0103 pierde\u021bi cardul. Odat\u0103 cu aceasta, pierzi \u0219i avantajele pe care ai reu\u0219it s\u0103 le ob\u021bii f\u0103c\u00e2nd afacerea.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, aceast\u0103 \u00eendatorare poate face ca numele t\u0103u s\u0103 fie inclus \u00een registrul implicit \u0219i s\u0103 se murd\u0103reasc\u0103 \u00een p\u0103trat. \u0218i cu un nume murdar, finan\u021bele tale au de suferit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest scenariu, devine mai dificil s\u0103 ai acces la produse financiare. Elemente precum accesul la credit, scoaterea unui card de credit sau emiterea unui card la o alt\u0103 banc\u0103 pot fi mai complicat de ob\u021binut.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din acest motiv, este esen\u021bial s\u0103 \u00eencerca\u021bi s\u0103 respecta\u021bi termenele \u0219i valorile stipulate pentru a nu suferi dezavantaje.<\/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>Cum s\u0103 faci o afacere cu cardul de credit?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a face o afacere, pute\u021bi contacta call center-ul institu\u021biei financiare sau direct cu banca pentru a afla despre modalit\u0103\u021bile disponibile de stingere a datoriei.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proced\u00e2nd astfel, v\u0103 vor prezenta propuneri cu suma lunar\u0103 de pl\u0103tit, dob\u00e2nda aplicat\u0103 \u0219i termenul limit\u0103 de plat\u0103. Aici, este important s\u0103 o analizezi bine \u0219i s\u0103 vezi dac\u0103 propunerea se \u00eencadreaz\u0103 \u00een bugetul t\u0103u pentru a putea pl\u0103ti confortabil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O alt\u0103 modalitate de a derula contractul cardului de credit se poate face pe site-ul Serasa Limpa Nome. Pe portal, po\u021bi consulta datoriile active ale CPF-ului t\u0103u \u0219i po\u021bi verifica ofertele disponibile pentru negociere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, pute\u021bi vizualiza suma ini\u021bial\u0103 a datoriei, dob\u00e2nda aplicat\u0103, reducerile pe care le pute\u021bi avea, printre alte informa\u021bii despre aceasta. Astfel, ve\u021bi putea face o alegere mai lini\u0219tit\u0103 cu privire la modul \u00een care pute\u021bi achita datoria.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 verificarea informa\u021biilor, po\u021bi alege cea mai bun\u0103 ofert\u0103 pentru tine. Aici, este posibil s\u0103 defini\u021bi dac\u0103 va fi \u00een numerar sau \u00een rate, num\u0103rul de rate \u0219i cea mai bun\u0103 dat\u0103 de scaden\u021b\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Odat\u0103 f\u0103cut acest lucru, pute\u021bi \u00eenchide afacerea prin portal \u0219i pute\u021bi genera fi\u0219ele pentru a efectua plata integral\u0103 a datoriei. Dac\u0103 a\u021bi ales s\u0103 pl\u0103ti\u021bi \u00een rate, va trebui s\u0103 genera\u021bi un bon de plat\u0103 \u00een fiecare lun\u0103 p\u00e2n\u0103 c\u00e2nd ve\u021bi achita datoria.&nbsp;<\/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>Ce s\u0103 iei \u00een considerare atunci c\u00e2nd faci o afacere?<\/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=\"Veja os principais pontos para se observar no seu acordo. Fonte: Unsplash.\"  id=\"62077\" src=\"https:\/\/cdn.adtechpanda.com\/a6c3a5d6-3017-43a3-bf57-010ce075cddf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Vede\u021bi principalele puncte de respectat \u00een acordul dvs. Sursa: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd urmeaz\u0103 s\u0103 \u00eencheia\u021bi o afacere cu cardul de credit, este interesant s\u0103 v\u0103 analiza\u021bi foarte bine situa\u021bia financiar\u0103 \u00eenainte de a \u00eencepe contactul. Astfel, \u00ee\u021bi po\u021bi stabili un buget, cu suma lunar\u0103 pe care \u021bi-o po\u021bi permite s\u0103 pl\u0103te\u0219ti datoria.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, atunci c\u00e2nd contacta\u021bi banca sau institu\u021bia financiar\u0103, este esen\u021bial s\u0103 \u0219ti\u021bi cum s\u0103 negocia\u021bi datoria. Cunosc\u00e2nd suma lunar\u0103 pe care o pute\u021bi permite, va fi mai u\u0219or s\u0103 comunica\u021bi acest lucru b\u0103ncii \u0219i s\u0103 ajunge\u021bi la un acord care s\u0103 v\u0103 \u00eencape \u00een buzunar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Iar dac\u0103 dob\u00e2nda aplicat\u0103 de cardul de credit la momentul \u00eencheierii acordului este prea mare, merit\u0103 s\u0103 cercet\u0103m alternative. Exist\u0103 \u0219i alte op\u021biuni pe pia\u021b\u0103 care fac datoria mai ieftin\u0103 \u0219i v\u0103 permit s\u0103 o pl\u0103ti\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este important s\u0103 citi\u021bi contractul \u0219i s\u0103 verifica\u021bi c\u0103 acesta con\u021bine doar ceea ce a fost discutat \u0219i convenit anterior.<\/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>Ce se \u00eent\u00e2mpl\u0103 dac\u0103 \u00eencalc contractul de card?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Neplata datoriei sau pur \u0219i simplu am\u00e2narea pl\u0103\u021bii acesteia poate duce la \u00eenc\u0103lcarea contractului cu cardul de credit. \u00cen acest scenariu, datoria dvs. r\u0103m\u00e2ne restant\u0103 \u0219i sunte\u021bi \u00een continuare expus riscului:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>pierde reducerile ob\u021binute \u00een timpul contractului;<\/li><li>compromiterea scorului dvs. de credit;<\/li><li>intr\u0103 \u00een registrul debitorilor;<\/li><li>pierde cardul de credit.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen general, aceast\u0103 \u00eenc\u0103lcare a contractului are loc atunci c\u00e2nd nu mai este posibil\u0103 plata sumei ratelor. Aici sunt frecvente cazurile \u00een care persoana descoper\u0103 c\u0103 datoria nu mai este legat\u0103 de numele s\u0103u. Acest lucru o face s\u0103 nu finalizeze plata.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen orice caz, o \u00eenc\u0103lcare a contractului poate duce la o mul\u021bime de probleme financiare pentru tine. Cu numele t\u0103u murdar pierzi posibilitatea de a contracta \u00eemprumuturi, de a avea carduri de credit de la alte institu\u021bii sau b\u0103nci sau de a avea o limit\u0103 mai mare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din acest motiv, este \u00eentotdeauna recomandat s\u0103 p\u0103stra\u021bi acordul \u0219i s\u0103 \u00eencerca\u021bi s\u0103 pl\u0103ti\u021bi datoria. O practic\u0103 care v\u0103 poate ajuta \u00een acest sens este s\u0103 pl\u0103ti\u021bi o datorie la un moment dat, nu pe toate o dat\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a v\u0103 ajuta cu aceast\u0103 alegere, consulta\u021bi urm\u0103toarele sfaturi de neratat despre cum s\u0103 alege\u021bi prima datorie de negociat. 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\u0218i ce se \u00eent\u00e2mpl\u0103 dac\u0103 contractul cardului de credit este \u00eenc\u0103lcat? Dac\u0103 ave\u021bi aceste \u00eendoieli, vede\u021bi \u00een aceast\u0103 postare ce se poate \u00eent\u00e2mpla cu adev\u0103rat atunci c\u00e2nd face\u021bi o afacere!<\/p>","protected":false},"author":31,"featured_media":61768,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25,38],"tags":[3979,179,3980],"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>Fiz acordo do cart\u00e3o: posso voltar a usar? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Descubra o que pode acontecer ap\u00f3s realizar um acordo do cart\u00e3o de cr\u00e9dito e veja dicas para fazer uma boa negocia\u00e7\u00e3o agora mesmo!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/ro\/acordo-do-cartao\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fiz acordo do cart\u00e3o: posso voltar a usar?\" \/>\n<meta property=\"og:description\" content=\"Descubra o que pode acontecer ap\u00f3s realizar um acordo do cart\u00e3o de cr\u00e9dito e veja dicas para fazer uma boa negocia\u00e7\u00e3o agora mesmo!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/ro\/acordo-do-cartao\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-16T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-17T00:38:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/9cb1b79d-f626-4bb4-87ad-0e9110063bc4\/\" \/>\n\t<meta property=\"og:image:width\" content=\"7952\" \/>\n\t<meta property=\"og:image:height\" content=\"5304\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Leticia Jord\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/acordo-do-cartao\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/9cb1b79d-f626-4bb4-87ad-0e9110063bc4\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/9cb1b79d-f626-4bb4-87ad-0e9110063bc4\/\",\"width\":7952,\"height\":5304,\"caption\":\"Saiba o que acontece com o uso do cart\u00e3o de cr\u00e9dito durante um acordo. 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