{"id":30454,"date":"2025-02-21T13:37:16","date_gmt":"2025-02-21T13:37:16","guid":{"rendered":"https:\/\/tikmobiles.com\/?p=30454"},"modified":"2026-09-08T16:51:15","modified_gmt":"2026-09-08T16:51:15","slug":"plateste-facturile-in-rate-prin-telefonul-mobil","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/ro\/parcelar-boleto-pelo-celular\/","title":{"rendered":"Plata facturilor \u00een rate prin telefonul mobil: ce aplica\u021bii permit acest lucru \u0219i ce dob\u00e2nd\u0103 este implicat\u0103?"},"content":{"rendered":"<p>Plata unei facturi \u00een rate adaug\u0103 costuri la suma ini\u021bial\u0103. Ca exemplu matematic, R$ 300 finan\u021bat \u00een 12 rate la o rat\u0103 ipotetic\u0103 de 3,99% pe lun\u0103 rezult\u0103 \u00een aproximativ R$ 31,95 pe rat\u0103, \u00eenainte de alte taxe. Aceasta nu este o sugestie din partea vreunei aplica\u021bii: ecranul tranzac\u021biei dvs. ar trebui s\u0103 afi\u0219eze suma total\u0103 real\u0103 care trebuie pl\u0103tit\u0103.<\/p>\n<p>Acesta este num\u0103rul pe care nicio aplica\u021bie nu \u00eel trece pe apel, dar pe care toate \u00eel afi\u0219eaz\u0103 pe ecranul de confirmare. Am verificat site-urile oficiale ale RecargaPay, Mercado Pago, PagBank, PicPay \u0219i Nubank pentru a afla cum percepe fiecare plat\u0103, c\u00e2te rate ofer\u0103 \u0219i dac\u0103 accept\u0103 carduri de la alte b\u0103nci.<\/p>\n<p>Plata unei facturi \u00een rate poate fi o op\u021biune unic\u0103, dar necesit\u0103 verificarea costului, a timpului de procesare \u0219i a capacit\u0103\u021bii dumneavoastr\u0103 de a pl\u0103ti facturile viitoare. O tranzac\u021bie aprobat\u0103 nu garanteaz\u0103 c\u0103 un serviciu deja \u00een curs nu va fi suspendat. Contacta\u021bi creditorul dac\u0103 exist\u0103 o problem\u0103 urgent\u0103 \u0219i compara\u021bi op\u021biunile de renegociere \u00eenainte de a v\u0103 asuma un nou angajament.<\/p>\n<h2>Ce se \u00eent\u00e2mpl\u0103 c\u00e2nd pl\u0103te\u0219ti o factur\u0103 \u00een rate folosind aplica\u021bia?<\/h2>\n<p>Aplica\u021bia pl\u0103te\u0219te factura \u00een avans emitentului (compania de electricitate, \u0219coala, magazinul) \u0219i debiteaz\u0103 suma de pe cardul t\u0103u de credit. Creditorul prime\u0219te suma integral\u0103 dintr-o dat\u0103 \u0219i nici m\u0103car nu \u0219tie c\u0103 ai ales s\u0103 pl\u0103te\u0219ti \u00een rate. Compania cardului de credit devine apoi creditorul t\u0103u.<\/p>\n<p>Pl\u0103\u021bile \u00een rate sunt tranzac\u021bii contractate prin intermediul aplica\u021biei, supuse eligibilit\u0103\u021bii, limitei de credit, taxelor \u0219i timpului de procesare. Limita de credit necesar\u0103 poate include costuri care dep\u0103\u0219esc suma ini\u021bial\u0103. Verifica\u021bi dac\u0103 exist\u0103 o tax\u0103 pe tranzac\u021biile financiare (IOF) \u0219i cum a fost calculat\u0103; nu ad\u0103uga\u021bi estim\u0103ri proprii la un total care include deja taxa. Confirmarea \u00een aplica\u021bie nu garanteaz\u0103, de asemenea, plata imediat\u0103 din partea emitentului.<\/p>\n<h2>C\u00e2t cost\u0103: taxa de aplica\u021bie, dob\u00e2nda lunar\u0103 \u0219i IOF (taxa brazilian\u0103 pe tranzac\u021biile financiare).<\/h2>\n<p>Pre\u021bul final are trei niveluri, iar aplica\u021bia le adun\u0103 pe toate \u00eenainte de a confirma:<\/p>\n<ul>\n<li><strong>Tax\u0103 de serviciu<\/strong> Pentru utilizarea cardului, comisionul se percepe chiar \u0219i pentru pl\u0103\u021bile \u00een numerar. La RecargaPay, costul este de 3,99% cu cardul Apple Pay, Google Pay sau RecargaPay \u0219i de 4,99% cu alte carduri; Mercado Pago raporteaz\u0103 o valoare cuprins\u0103 \u00eentre 3,99% \u0219i 6,49% pentru suma de boleto.<\/li>\n<li><strong>Dob\u00e2nd\u0103 la rate<\/strong>, Aceste taxe se percep lunar din sold. Mercado Pago afirm\u0103 c\u0103 \u00eencep de la aproximativ 3,99% pe lun\u0103; RecargaPay listeaz\u0103 4,14% \u00een 3 rate, 3,05% \u00een 6 rate, 2,67% \u00een 10 rate \u0219i 2,08% \u00een 12 rate. PagBank, PicPay \u0219i Nubank afi\u0219eaz\u0103 taxa doar \u00een simularea din cadrul aplica\u021biei.<\/li>\n<li><strong>IOF:<\/strong> Dac\u0103 este cazul, verifica\u021bi taxa indicat\u0103 pentru tranzac\u021bie \u0219i data scaden\u021bei acesteia. Calculul poate depinde de datele \u0219i structura creditului. Reglement\u0103rile sunt disponibile la [link\/referin\u021b\u0103 c\u0103tre documentul\/sec\u021biunea relevant\u0103]. <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/_ato2007-2010\/2007\/decreto\/d6306.htm\">Decretul 6.306 \u0219i modific\u0103rile sale<\/a>; Folosi\u021bi valoarea formal\u0103 a propunerii pentru a compara costurile.<\/li>\n<\/ul>\n<p>Acest pachet este sintetizat \u00een Costul Total Efectiv, sau CET, pe care Consiliul Monetar Na\u021bional \u00eel solicit\u0103 pentru a fi publicat pentru creditele personale. Acesta include deja dob\u00e2nzile, comisioanele \u0219i impozitele, exprimate ca procent anual, \u0219i este cifra de comparat cu plata cu banii din cont.<\/p>\n<h3>O factur\u0103 R$ 300 \u00een contul de brut\u0103rie.<\/h3>\n<p>Exemplul utilizeaz\u0103 o rat\u0103 ipotetic\u0103 de 3,99% pe lun\u0103 \u0219i rate egale folosind formula Pre\u021b. Valorile de mai jos servesc la vizualizarea efectului termenului, f\u0103r\u0103 a reprezenta o ofert\u0103 comercial\u0103. IOF (taxa pe tranzac\u021biile financiare), comisioanele \u0219i metoda de facturare depind de tranzac\u021bie \u0219i ar trebui citite \u00een totalul prezentat de aplica\u021bie:<\/p>\n<ul>\n<li>Plat\u0103 \u00een numerar prin Pix, card de debit sau sold cont: R$ 300,00.<\/li>\n<li>Plat\u0103 cu cardul cu un comision de serviciu de 4.99%: R$ 314.97.<\/li>\n<li>\u00cen 6 rate: 6 rate a c\u00e2te 57,21 R$, total 343,26 R$, \u00eenainte de taxele \u0219i comisioanele aplicabile.<\/li>\n<li>\u00cen 12 rate: 12 rate a c\u00e2te 31,95 R$, total 383,40 R$, \u00eenainte de taxele \u0219i comisioanele aplicabile.<\/li>\n<\/ul>\n<p>O rat\u0103 mic\u0103 poate ascunde un total mai mare. \u00cen exemplu, ratele totale sunt cu aproximativ R$ 83,40 peste principal, \u00eenainte de orice taxe \u0219i comisioane. Compara\u021bi totalul real afi\u0219at pentru tranzac\u021bia dvs. \u0219i confirma\u021bi c\u0103 taxele sunt deja incluse, evit\u00e2nd num\u0103rarea lor de dou\u0103 ori.<\/p>\n<h2>Cum s\u0103 pl\u0103te\u0219ti o factur\u0103 \u00een rate folosind aplica\u021bia, pas cu pas.<\/h2>\n<p>Calea este aceea\u0219i \u00een toate cele cinci aplica\u021bii, cu mici diferen\u021be \u00een denumirile meniurilor:<\/p>\n<ol>\n<li>Deschide aplica\u021bia \u0219i atinge Pl\u0103te\u0219te. \u00cen PagBank, meniul este \u201cPl\u0103te\u0219te facturi\u201d; \u00een Mercado Pago, \u201cFacturi \u0219i taxe\u201d; \u00een Nubank, \u201cPl\u0103te\u0219te factur\u0103 cu cardul de credit\u201d.<\/li>\n<li>\u00cendrepta\u021bi camera spre codul de bare sau introduce\u021bi linia numeric\u0103. Aplica\u021bia afi\u0219eaz\u0103 emitentul, suma \u0219i data scaden\u021bei; bifa\u021bi-le pe toate trei.<\/li>\n<li>Alege\u021bi cardul de credit ca metod\u0103 de plat\u0103. RecargaPay, PagBank \u0219i PicPay accept\u0103 carduri de la alte institu\u021bii; Nubank accept\u0103 doar carduri Nubank.<\/li>\n<li>Alege\u021bi num\u0103rul de rate. Acest ecran afi\u0219eaz\u0103 valoarea fiec\u0103rei rate, totalul, rata dob\u00e2nzii lunare, IOF (taxa pe tranzac\u021biile financiare) \u0219i CET (costul total efectiv).<\/li>\n<li>Confirma\u021bi cu parola sau datele biometrice \u0219i p\u0103stra\u021bi chitan\u021ba. Actualizarea la banca emitent\u0103 poate dura c\u00e2teva zile lucr\u0103toare; nu a\u0219tepta\u021bi p\u00e2n\u0103 la data limit\u0103.<\/li>\n<\/ol>\n<h2>Ce aplica\u021bii \u00ee\u021bi permit s\u0103 pl\u0103te\u0219ti facturile \u00een rate cu cardul de credit?<\/h2>\n<p>Cele cinci enumerate mai jos se afl\u0103 pe Google Play \u0219i descriu func\u021bia \u00een propriul centru de ajutor sau pe blogul oficial. Coloana de tarife arat\u0103 doar ce public\u0103 fiecare companie.<\/p>\n<table>\n<thead>\n<tr>\n<th>Aplica\u021bie<\/th>\n<th>Colete maxime<\/th>\n<th>Card de la o alt\u0103 banc\u0103<\/th>\n<th>Tarif publicat<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RecargaPay<\/td>\n<td>18 rate cu Apple Pay sau Google Pay; 12 rate cu alte carduri.<\/td>\n<td>da<\/td>\n<td>Pre\u021b cash de la 3,99% la 4,99%; dob\u00e2nd\u0103 de la 2,08% la 4,14% pe lun\u0103.<\/td>\n<\/tr>\n<tr>\n<td>Mercado Pago<\/td>\n<td>12x<\/td>\n<td>Neinformat<\/td>\n<td>Comision de serviciu de la 3,99% la 6,49%; dob\u00e2nda \u00eencepe de la 3,99% pe lun\u0103.<\/td>\n<\/tr>\n<tr>\n<td>PagBank<\/td>\n<td>12x<\/td>\n<td>da<\/td>\n<td>Numai \u00een simulare.<\/td>\n<\/tr>\n<tr>\n<td>PicPay<\/td>\n<td>Numai \u00een simulare.<\/td>\n<td>da<\/td>\n<td>Numai \u00een simulare.<\/td>\n<\/tr>\n<tr>\n<td>Nubank<\/td>\n<td>12x<\/td>\n<td>Nu, doar cardul Nubank.<\/td>\n<td>Numai \u00een simulare.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>RecargaPay: p\u00e2n\u0103 la 18 rate \u0219i tabel cu dob\u00e2nzi publice.<\/h3>\n<p>Este singura dintre cele cinci care public\u0103 \u00eentregul tabel cu ratele dob\u00e2nzii pe pagina de plat\u0103 a facturilor \u0219i singura care ofer\u0103 p\u00e2n\u0103 la 18 rate, cu condi\u021bia ca cardul s\u0103 fie pe Apple Pay sau Google Pay; cu num\u0103rul introdus, limita este de 12. Accept\u0103 Visa, Mastercard, Elo, Hipercard \u0219i American Express de la orice banc\u0103, iar suma afi\u0219at\u0103 \u00eenainte de confirmare include deja IOF (taxa pe tranzac\u021biile financiare) \u0219i comisioanele.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/8xuk94KqShAoDd3k7HZtCXPj1vDXS9XDS44hotCsdS-za-O7orHv2Wt3ILQ-5eDjyBL51mATNrxtxKfS3UTGIbw\" alt=\"RecargaPay: Card Pix \u0219i Sigla Contului\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">RecargaPay: Card \u0219i Cont Pix<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"Evaluare 4,8 din 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ro\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F8xuk94KqShAoDd3k7HZtCXPj1vDXS9XDS44hotCsdS-za-O7orHv2Wt3ILQ-5eDjyBL51mATNrxtxKfS3UTGIbw&title=RecargaPay%3A+Pix+Cart%C3%A3o+e+Conta&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.recarga.recarga\" class=\"download-btn\" id=\"download-btn-0\" data-instance=\"1\" data-title=\"RecargaPay: Pix Cart\u00e3o e Conta\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Vizualiza\u021bi pe Google Play<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-0\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"RecargaPay: Pix Cart\u00e3o e Conta\",\n                            app_instance: 1,\n                            button_id: \"download-btn-0\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"RecargaPay: Pix Cart\u00e3o e Conta\",\n                                    app_instance: 1,\n                                    button_id: \"download-btn-0\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Mercado Pago: p\u00e2n\u0103 la 12 rate cu CET afi\u0219at pe ecran.<\/h3>\n<p>\u00cen sec\u021biunea \u201cFi\u0219e de plat\u0103 \u0219i taxe\u201d, aplica\u021bia ofer\u0103 op\u021biuni de plat\u0103 cu sold, debit sau credit. \u00cen cazul ratelor de credit, pute\u021bi alege p\u00e2n\u0103 la 12 rate \u0219i pute\u021bi vedea valoarea fiec\u0103reia, inclusiv comisioanele de serviciu, dob\u00e2nzile, IOF (taxa pe tranzac\u021biile financiare) \u0219i CET (Costul Total Efectiv). Blogul oficial listeaz\u0103 comisionul de serviciu \u00eentre 3,99% \u0219i 6,49%, iar dob\u00e2nzile \u00eencep de la 3,99% pe lun\u0103, cresc\u00e2nd odat\u0103 cu num\u0103rul de rate.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y\" alt=\"Mercado Pago: Logo Banco Digital\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Mercado Pago: Banc\u0103 digital\u0103<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.90;\" aria-label=\"Evaluare 4,9 din 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ro\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y&title=Mercado+Pago%3A+Banco+Digital&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.mercadopago.wallet\" class=\"download-btn\" id=\"download-btn-1\" data-instance=\"2\" data-title=\"Mercado Pago: Banco Digital\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Vizualiza\u021bi pe Google Play<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-1\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Mercado Pago: Banco Digital\",\n                            app_instance: 2,\n                            button_id: \"download-btn-1\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Mercado Pago: Banco Digital\",\n                                    app_instance: 2,\n                                    button_id: \"download-btn-1\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>PagBank: orice card, p\u00e2n\u0103 la 12 rate<\/h3>\n<p>\u00cen sec\u021biunea \u201cPl\u0103te\u0219te facturi\u201d, apoi la \u201cPl\u0103te\u0219te cu cardul de credit\u201d, PagBank accept\u0103 carduri de credit de la orice banc\u0103 \u0219i emitent, ofer\u0103 plat\u0103 \u00een p\u00e2n\u0103 la 12 rate \u0219i afi\u0219eaz\u0103 suma ratei \u00eenainte de confirmare. Rata dob\u00e2nzii nu este publicat\u0103 \u00een afara aplica\u021biei; centrul de ajutor v\u0103 \u00eendrum\u0103 s\u0103 verifica\u021bi simularea.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/X-KPLh6j19b9C0qz38_pO1lbpug_HOOwRkYaZFdrdFzMFlv2Vg1gsZ9RDjFrlUgj0LPlwSVqLVW5Q9lqJaG5aQ\" alt=\"PagBank Bank: Cont, Ap\u0103sa\u021bi pe + Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PagBank Bank: cont, ap\u0103sa\u021bi pe +<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.90;\" aria-label=\"Evaluare 4,9 din 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ro\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FX-KPLh6j19b9C0qz38_pO1lbpug_HOOwRkYaZFdrdFzMFlv2Vg1gsZ9RDjFrlUgj0LPlwSVqLVW5Q9lqJaG5aQ&title=Banco+PagBank%3A+Conta%2C+Tap+On+%2B&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.uol.ps.myaccount\" class=\"download-btn\" id=\"download-btn-2\" data-instance=\"3\" data-title=\"Banco PagBank: Conta, Tap On +\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Vizualiza\u021bi pe Google Play<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-2\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Banco PagBank: Conta, Tap On +\",\n                            app_instance: 3,\n                            button_id: \"download-btn-2\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Banco PagBank: Conta, Tap On +\",\n                                    app_instance: 3,\n                                    button_id: \"download-btn-2\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>PicPay: total inclusiv taxa \u00eenainte de confirmare<\/h3>\n<p>PicPay v\u0103 permite s\u0103 pl\u0103ti\u021bi facturi folosind carduri de credit, iar centrul lor de ajutor este simplu: poate exista o tax\u0103, iar suma total\u0103 apare \u00een aplica\u021bie \u00eenainte de confirmare. Num\u0103rul maxim de rate \u0219i taxa pe factur\u0103 nu sunt publicate \u00een afara aplica\u021biei, a\u0219a c\u0103 singura modalitate de a afla costul este s\u0103 scana\u021bi codul de bare \u0219i s\u0103 verifica\u021bi simularea.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/l7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E\" alt=\"PicPay Bank: Card, Imagine \u0219i + Sigl\u0103\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PicPay Bank: Card, Pic \u0219i multe altele<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.60;\" aria-label=\"Evaluare 4,6 din 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ro\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2Fl7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E&title=Banco+PicPay%3A+Cart%C3%A3o%2C+Pix+e+%2B&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.picpay\" class=\"download-btn\" id=\"download-btn-3\" data-instance=\"4\" data-title=\"Banco PicPay: Cart\u00e3o, Pix e +\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Vizualiza\u021bi pe Google Play<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-3\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                            app_instance: 4,\n                            button_id: \"download-btn-3\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                                    app_instance: 4,\n                                    button_id: \"download-btn-3\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Nubank: doar cu cardul Nubank, de la 1 la 12 rate.<\/h3>\n<p>\u00cen aplica\u021bia Nubank, calea este Pl\u0103te\u0219te, apoi \u201cPl\u0103te\u0219te factura cu cardul de credit\u201d. Pl\u0103\u021bile \u00een rate variaz\u0103 de la 1 la 12 rate cu dob\u00e2nd\u0103, iar \u00eenainte de confirmare, apare un ecran de verificare cu emitentul, ratele, totalul, rata dob\u00e2nzii \u0219i IOF (taxa pe tranzac\u021biile financiare). Suma va ap\u0103rea pe factura curent\u0103 \u0219i pe facturile ulterioare, iar confirmarea pl\u0103\u021bii poate dura p\u00e2n\u0103 la trei zile lucr\u0103toare.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/FP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4\" alt=\"Nubank: cont, card \u0219i multe altele Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Nubank: cont, card \u0219i multe altele<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"Evaluare 4,8 din 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ro\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FFP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4&title=Nubank%3A+conta%2C+cart%C3%A3o+e+mais&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.nu.production\" class=\"download-btn\" id=\"download-btn-4\" data-instance=\"5\" data-title=\"Nubank: conta, cart\u00e3o e mais\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Vizualiza\u021bi pe Google Play<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-4\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Nubank: conta, cart\u00e3o e mais\",\n                            app_instance: 5,\n                            button_id: \"download-btn-4\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Nubank: conta, cart\u00e3o e mais\",\n                                    app_instance: 5,\n                                    button_id: \"download-btn-4\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h2>Ce ofer\u0103 deja banca ta gratuit<\/h2>\n<p>\u00cenainte de a utiliza un credit, verifica\u021bi soldul, programa\u021bi pl\u0103\u021bile \u0219i negocia\u021bi data scaden\u021bei direct cu creditorul. Nu exist\u0103 nicio garan\u021bie c\u0103 data poate fi modificat\u0103 f\u0103r\u0103 costuri. Dac\u0103 factura este deja restant\u0103, solicita\u021bi suma actualizat\u0103 \u0219i verifica\u021bi consecin\u021bele \u00eent\u00e2rzierii, \u00een special pentru serviciile esen\u021biale sau contractele cu garan\u021bii.<\/p>\n<p>Costul \u00eent\u00e2rzierii pl\u0103\u021bilor depinde de contract \u0219i de natura obliga\u021biei. Codul de Protec\u021bie a Consumatorilor (CDC) limiteaz\u0103 penalit\u0103\u021bile pentru \u00eent\u00e2rzierea pl\u0103\u021bilor \u00een situa\u021biile prev\u0103zute de articolul 52, dar acest lucru nu elimin\u0103 dob\u00e2nzile sau alte consecin\u021be aplicabile. Compara\u021bi oferta formal\u0103 a creditorului cu costul pl\u0103\u021bilor \u00een rate, f\u0103r\u0103 a presupune c\u0103 \u00eent\u00e2rzierea cu c\u00e2teva zile va fi \u00eentotdeauna op\u021biunea cea mai ieftin\u0103 sau mai sigur\u0103.<\/p>\n<p>Evita\u021bi s\u0103 pl\u0103ti\u021bi o factur\u0103 pe credit f\u0103r\u0103 a planifica pl\u0103\u021bile viitoare. Dac\u0103 factura intr\u0103 \u00een credit revolving, apare un alt \u00eemprumut, cu propriile costuri. Limita legal\u0103 a dob\u00e2nzilor \u0219i comisioanelor pentru creditul revolving \u0219i pl\u0103\u021bile \u00een rate nu transform\u0103 creditul scump \u00eentr-o solu\u021bie sustenabil\u0103. Compara\u021bi costul total al tranzac\u021biei \u0219i venitul disponibil dup\u0103 cheltuielile esen\u021biale.<\/p>\n<p>Cei care au conturi la mai multe b\u0103nci pot verifica care dintre ele percepe cele mai mici comisioane; <a href=\"https:\/\/tikmobiles.com\/ro\/cele-mai-bune-aplicatii-bancare-digitale\/\">Compara\u021bie \u00eentre b\u0103ncile digitale cu conturi gratuite \u0219i carduri f\u0103r\u0103 comision anual.<\/a> Arat\u0103 ce ofer\u0103 fiecare aplica\u021bie f\u0103r\u0103 nicio tax\u0103.<\/p>\n<h2>C\u00e2nd are sens plata facturii \u00een rate?<\/h2>\n<p>Referin\u021ba este costul pl\u0103\u021bilor \u00eent\u00e2rziate. Atunci c\u00e2nd pl\u0103\u021bile \u00eent\u00e2rziate cost\u0103 mai mult dec\u00e2t dob\u00e2nda la rate, aplica\u021bia se amortizeaz\u0103 singur\u0103. Trei situa\u021bii se \u00eencadreaz\u0103 \u00een aceast\u0103 categorie:<\/p>\n<ul>\n<li><strong>\u00centreruperea serviciilor esen\u021biale.<\/strong> Conform Rezolu\u021biei ANEEL 1000, distribuitorul de energie trebuie s\u0103 acorde un preaviz de 15 zile \u00eenainte de a \u00eentrerupe serviciul pentru neplat\u0103, nu \u00eentrerupe serviciul vinerea, s\u00e2mb\u0103ta, duminica sau de s\u0103rb\u0103torile legale \u0219i reconecta serviciul \u00een termen de 24 de ore \u00een zonele urbane; regulile sunt disponibile pe site-ul web. <a href=\"https:\/\/www.gov.br\/aneel\/pt-br\/consumidores\/como-resolver\">Cum se rezolv\u0103<\/a> De la agen\u021bie. Dac\u0103 notificarea a sosit deja \u0219i banii vin abia luna viitoare, dou\u0103sprezece rate cost\u0103 mai pu\u021bin dec\u00e2t zile f\u0103r\u0103 curent electric.<\/li>\n<li><strong>Rating de credit negativ.<\/strong> Facturile pentru magazine, \u0219coli \u0219i planuri de asigur\u0103ri de s\u0103n\u0103tate ajung \u00een registrul debitorilor dup\u0103 data scaden\u021bei, iar un istoric de credit negativ blocheaz\u0103 accesul la credite, finan\u021bare \u0219i \u00eenchirieri timp de luni de zile.<\/li>\n<li><strong>Urgen\u021b\u0103 cu \u00eent\u00e2lnire.<\/strong> Repara\u021bii auto, medicamente, termen limit\u0103 de \u00eenscriere. Factura are o dat\u0103 scadent\u0103, salariul are o alta, iar aplica\u021bia acoper\u0103 diferen\u021ba.<\/li>\n<\/ul>\n<p>Nu merit\u0103 \u00een alte trei cazuri: o factur\u0103 pe care creditorul este de acord s\u0103 o renegocieze (\u0219colile, condominiile \u0219i operatorii ofer\u0103 direct planuri de rate atunci c\u00e2nd le solicita\u021bi, \u00een general cu rate ale dob\u00e2nzii mai mici), o factur\u0103 de pe un alt card de credit (o datorie costisitoare schimbat\u0103 cu o alt\u0103 datorie costisitoare cu dob\u00e2nd\u0103 ad\u0103ugat\u0103) \u0219i o datorie veche aflat\u0103 \u00een curs de colectare, care ofer\u0103 o reducere \u00een negociere. \u00cen aceste cazuri, <a href=\"https:\/\/tikmobiles.com\/ro\/aplicatii-de-control-al-datoriilor\/\">Un ghid pentru aplica\u021biile de cartografiere \u0219i negociere a datoriilor prin intermediul telefonului mobil.<\/a> Este calea dinaintea c\u0103r\u021bii.<\/p>\n<h2>Gre\u0219eli frecvente care cresc costul pl\u0103\u021bilor \u00een rate.<\/h2>\n<ul>\n<li><strong>Uit\u0103-te la por\u021bie, nu la total.<\/strong> Ecranul de confirmare afi\u0219eaz\u0103 ambele sume; totalul este suma pe care o pl\u0103ti\u021bi.<\/li>\n<li><strong>Pl\u0103te\u0219te \u00een rate la data scaden\u021bei \u0219i prime\u0219ti confirmare imediat\u0103.<\/strong> Desp\u0103gubirile respect\u0103 intervalul orar normal din avizul de plat\u0103, iar \u00eentreruperile de curent nu a\u0219teapt\u0103 aplica\u021bia.<\/li>\n<li><strong>A alege de 12 ori din obi\u0219nuin\u021b\u0103.<\/strong> O fi\u0219\u0103 de plat\u0103 pentru R$ 300 \u00een 3 rate cost\u0103 o frac\u021biune din dob\u00e2nda de 12; alege\u021bi cel mai mic num\u0103r de rate care se \u00eencadreaz\u0103 \u00een cursul lunii.<\/li>\n<li><strong>Adun\u0103 ratele.<\/strong> Trei chitan\u021be de plat\u0103 \u00eemp\u0103r\u021bite \u00een rate pe parcursul a unor luni consecutive duc la o singur\u0103 factur\u0103 care nu se soldeaz\u0103, deoarece fiecare consum\u0103 creditul \u0219i genereaz\u0103 propriile dob\u00e2nzi.<\/li>\n<\/ul>\n<p>Antidotul ratelor acumulate este un buget care ia \u00een considerare pl\u0103\u021bile viitoare; ghidul despre <a href=\"https:\/\/tikmobiles.com\/ro\/economiseste-bani-cu-aplicatii\/\">Cum s\u0103 creezi \u0219i s\u0103 urmezi un buget lunar folosind aplica\u021bii.<\/a> Arat\u0103 cum se \u00eenregistreaz\u0103 fiecare rat\u0103 \u00een lunile \u00een care aceasta se \u00eencadreaz\u0103.<\/p>\n<h2>Cum fac aceste aplica\u021bii bani din chitan\u021ba ta bancar\u0103?<\/h2>\n<p>Banii p\u0103r\u0103sesc contul cuiva \u00een ziua de plat\u0103: aplica\u021bia sau institu\u021bia financiar\u0103 din spatele acesteia avanseaz\u0103 suma creditorului \u0219i \u00ee\u0219i asum\u0103 riscul ca dumneavoastr\u0103 s\u0103 nu pl\u0103ti\u021bi factura. Veniturile provin din dou\u0103 surse: comisionul de serviciu, perceput tuturor, inclusiv celor care pl\u0103tesc integral cu cardul, \u0219i dob\u00e2nda la rate, perceput\u0103 celor care pl\u0103tesc \u00een rate. IOF (taxa pe tranzac\u021biile financiare) merge la Serviciul Federal de Venituri; aplica\u021bia doar o colecteaz\u0103.<\/p>\n<p>Cu c\u00e2t aplica\u021bia se bazeaz\u0103 mai mult pe credit, cu at\u00e2t butonul de plat\u0103 \u00een rate apare mai des \u00eenaintea butonului de plat\u0103 a soldului. Cashback-ul intr\u0103 \u00een aceast\u0103 economie ca stimulent pentru cump\u0103rare, nu ca o reducere la facturi; pentru a \u00een\u021belege de unde provine, citi\u021bi [link c\u0103tre documenta\u021bia relevant\u0103]. <a href=\"https:\/\/tikmobiles.com\/ro\/aplicatiile-cashback-primesc-bani\/\">Unde se duc banii cashback \u0219i c\u00e2t dureaz\u0103?<\/a>.<\/p>\n<h2>Intrebari obisnuite<\/h2>\n<h3>Este posibil s\u0103 pl\u0103tesc o factur\u0103 restant\u0103 \u00een rate?<\/h3>\n<p>Depinde de emitent. Chitan\u021ba de plat\u0103 \u00eenregistrat\u0103 recalculeaz\u0103 amenzile \u0219i dob\u00e2nzile dup\u0103 data scaden\u021bei, iar aplica\u021bia afi\u0219eaz\u0103 suma actualizat\u0103 la eliberarea pl\u0103\u021bii. C\u00e2nd emitentul nu permite plata dup\u0103 data scaden\u021bei, aplica\u021bia refuz\u0103 s\u0103 citeasc\u0103 chitan\u021ba; solicita\u021bi un duplicat pe site-ul web sau \u00een aplica\u021bie al creditorului \u0219i scana\u021bi noul cod.<\/p>\n<h3>Pot folosi un card de la o alt\u0103 banc\u0103?<\/h3>\n<p>RecargaPay, PagBank \u0219i PicPay accept\u0103 carduri de credit de la alte institu\u021bii; Nubank permite plata facturilor doar \u00een rate folosind cardul Nubank. \u00cen toate cazurile, limita de credit disponibil\u0103 trebuie s\u0103 acopere suma integral\u0103 a facturii, chiar dac\u0103 plata este divizat\u0103 pe extrasul de cont.<\/p>\n<h3>Cum apare plata \u00een rate pe factur\u0103?<\/h3>\n<p>Include\u021bi numele aplica\u021biei \u0219i num\u0103rul ratei, nu numele creditorului. P\u0103stra\u021bi chitan\u021ba din aplica\u021bie pentru a o compara cu factura dvs. la \u00eenchidere.<\/p>\n<h3>Se pl\u0103te\u0219te chitan\u021ba de plat\u0103 imediat?<\/h3>\n<p>Aplica\u021bia confirm\u0103 instantaneu, dar plata este procesat\u0103 conform programului standard de compensare, ceea ce poate dura p\u00e2n\u0103 la trei zile lucr\u0103toare. Pentru conturile cu deconectare programat\u0103, pl\u0103ti\u021bi cu mult timp \u00een avans \u0219i p\u0103stra\u021bi chitan\u021ba pentru a o ar\u0103ta distribuitorului.<\/p>\n<p>Primul pas nu cost\u0103 nimic: deschide aplica\u021bia b\u0103ncii tale, scaneaz\u0103 codul de bare \u0219i verific\u0103 dac\u0103 bonul de plat\u0103 se \u00eencadreaz\u0103 \u00een soldul t\u0103u sau \u00een debitul programat. Dac\u0103 nu se \u00eencadreaz\u0103 \u0219i e\u0219ti pe cale s\u0103 \u021bi se \u00eentrerup\u0103 telefonul, scaneaz\u0103 acela\u0219i cod \u00een aplica\u021bia de plat\u0103 \u00een rate, noteaz\u0103 CET (Costul Total Efectiv) din ecranul de confirmare \u0219i alege cel mai mic num\u0103r de rate care vor acoperi luna.<\/p>\n<h2>Cite\u0219te \u0219i<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/ro\/aplicatii-de-control-al-datoriilor\/\">Aplica\u021bii de gestionare a datoriilor: cartografia\u021bi sumele datorate \u0219i negocia\u021bi prin intermediul telefonului mobil.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/ro\/cele-mai-bune-aplicatii-bancare-digitale\/\">B\u0103nci digitale: cele mai bune aplica\u021bii pentru conturi gratuite \u0219i carduri f\u0103r\u0103 tax\u0103 anual\u0103<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/ro\/economiseste-bani-cu-aplicatii\/\">Economisirea banilor cu aplica\u021bii: cum s\u0103 creezi \u0219i s\u0103 urmezi un buget lunar<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/ro\/aplicatiile-cashback-primesc-bani\/\">Aplica\u021bii de cashback: unde merge cashback-ul \u0219i c\u00e2t dureaz\u0103<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Parcelar um boleto acrescenta custos ao valor original. Como exemplo matem\u00e1tico, R$ 300 financiados em 12 parcelas \u00e0 taxa hipot\u00e9tica de 3,99% ao m\u00eas resultam em\u2026<\/p>","protected":false},"author":1,"featured_media":31080,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"mobile-allow":"","post-descricao":"","texto-interacao":"","bt-1":"","lk-1":"","bt-2":"","lk-2":"","bt-3":"","lk-3":"","bt-4":"","lk-4":"","_revidia_rewards_active":"","footnotes":""},"categories":[21],"tags":[],"class_list":["post-30454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financeiro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Parcelar boleto pelo celular: quais apps fazem e quanto custa em juros - Tik Mobiles<\/title>\n<meta name=\"description\" content=\"RecargaPay, Mercado Pago, PagBank, PicPay e Nubank pagam boleto no cart\u00e3o parcelado. 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