{"id":922,"date":"2025-03-09T12:55:18","date_gmt":"2025-03-09T12:55:18","guid":{"rendered":"https:\/\/universofinanceiro.online\/?p=922"},"modified":"2025-03-09T12:55:19","modified_gmt":"2025-03-09T12:55:19","slug":"o-que-e-um-cartao-debito","status":"publish","type":"post","link":"https:\/\/universofinanceiro.online\/?p=922","title":{"rendered":"O que \u00e9 um cart\u00e3o d\u00e9bito?"},"content":{"rendered":"\n<p>Um <strong>cart\u00e3o de d\u00e9bito<\/strong> \u00e9 um tipo de cart\u00e3o banc\u00e1rio vinculado diretamente \u00e0 conta corrente ou poupan\u00e7a do usu\u00e1rio. Ele permite realizar pagamentos e saques usando o saldo dispon\u00edvel na conta, sem a necessidade de cr\u00e9dito.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Principais caracter\u00edsticas do cart\u00e3o de d\u00e9bito<\/strong><\/h3>\n\n\n\n<p> <strong>Pagamento \u00e0 vista<\/strong> \u2013 O valor da compra \u00e9 descontado imediatamente do saldo da conta.<br> <strong>Permite saques<\/strong> \u2013 Pode ser usado para sacar dinheiro em caixas eletr\u00f4nicos.<br> <strong>Sem juros<\/strong> \u2013 Como n\u00e3o h\u00e1 cr\u00e9dito envolvido, n\u00e3o h\u00e1 cobran\u00e7a de juros sobre compras.<br> <strong>Mais seguran\u00e7a<\/strong> \u2013 Geralmente, as transa\u00e7\u00f5es exigem senha ou autentica\u00e7\u00e3o por biometria.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Diferen\u00e7a entre cart\u00e3o de d\u00e9bito e cr\u00e9dito<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Caracter\u00edstica<\/th><th>Cart\u00e3o de D\u00e9bito<\/th><th>Cart\u00e3o de Cr\u00e9dito<\/th><\/tr><\/thead><tbody><tr><td>Fonte de pagamento<\/td><td>Saldo da conta<\/td><td>Limite de cr\u00e9dito do banco<\/td><\/tr><tr><td>Forma de pagamento<\/td><td>\u00c0 vista<\/td><td>\u00c0 vista ou parcelado<\/td><\/tr><tr><td>Cobran\u00e7a de juros<\/td><td>N\u00e3o h\u00e1<\/td><td>Pode haver se n\u00e3o pagar a fatura em dia<\/td><\/tr><tr><td>Necessidade de aprova\u00e7\u00e3o do banco<\/td><td>N\u00e3o<\/td><td>Sim<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>O cart\u00e3o de d\u00e9bito \u00e9 ideal para quem quer controlar melhor os gastos e evitar endividamento, j\u00e1 que s\u00f3 \u00e9 poss\u00edvel gastar o dinheiro que j\u00e1 est\u00e1 dispon\u00edvel na conta.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Um cart\u00e3o de d\u00e9bito \u00e9 um tipo de cart\u00e3o banc\u00e1rio vinculado diretamente \u00e0 conta corrente ou poupan\u00e7a do usu\u00e1rio. Ele<\/p>\n","protected":false},"author":1,"featured_media":923,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[3],"tags":[123,124,67],"class_list":["post-922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cartao-de-credito","tag-cartao","tag-debito","tag-dinheiro-2"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=\/wp\/v2\/posts\/922"}],"collection":[{"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=922"}],"version-history":[{"count":1,"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=\/wp\/v2\/posts\/922\/revisions"}],"predecessor-version":[{"id":924,"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=\/wp\/v2\/posts\/922\/revisions\/924"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=\/wp\/v2\/media\/923"}],"wp:attachment":[{"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/universofinanceiro.online\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}