{"id":15742,"date":"2025-12-17T00:03:09","date_gmt":"2025-12-17T00:03:09","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=15742"},"modified":"2025-12-25T03:00:54","modified_gmt":"2025-12-25T03:00:54","slug":"zjednoczone-krolestwo-funnel-card1-first-direct","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/pl\/financas\/reino-unido-cartao-funil1-first-direct\/","title":{"rendered":"Karta kredytowa First Direct Visa: prosta, bezpieczna i przejrzysta w Wielkiej Brytanii"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"15742\" class=\"elementor elementor-15742\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1368484 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1368484\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f9ddc22 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f9ddc22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1097d6a elementor-widget elementor-widget-html\" data-id=\"1097d6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">Og\u0142oszenia<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e02f15 elementor-widget elementor-widget-text-editor\" data-id=\"1e02f15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"259\" data-end=\"495\">Je\u015bli mieszkasz w Wielkiej Brytanii i szukasz niezawodnej karty kredytowej bez rocznej op\u0142aty, z konkurencyjnym oprocentowaniem i wsparciem uznanego banku, to <strong data-start=\"250\" data-end=\"285\">Karta kredytowa First Direct (Visa)<\/strong> mo\u017ce by\u0107 doskona\u0142ym wyborem dla codziennych finans\u00f3w.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f18c1ae e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f18c1ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ca27a8e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ca27a8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-676162d elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"676162d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/pl\/finanse\/reino-unido-cartao-funil1-como-solicitar-first-direct\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"404\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct.jpg\" class=\"attachment-full size-full wp-image-15743\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct.jpg 640w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct-300x189.jpg 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct-18x12.jpg 18w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72a4b3 elementor-widget elementor-widget-text-editor\" data-id=\"b72a4b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center;\" data-start=\"502\" data-end=\"534\">Karta kredytowa First Direct<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e824ab7 elementor-widget elementor-widget-text-editor\" data-id=\"e824ab7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Brak op\u0142aty rocznej<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d049dfc elementor-widget elementor-widget-button\" data-id=\"d049dfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/pl\/finanse\/reino-unido-cartao-funil1-como-solicitar-first-direct\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">WNIOSEK<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-825285a elementor-widget elementor-widget-text-editor\" data-id=\"825285a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(Zostaniesz przekierowany na inn\u0105 stron\u0119)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91e779b elementor-widget elementor-widget-text-editor\" data-id=\"91e779b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"471\" data-end=\"764\">Cz\u0119\u015b\u0107 grupy <strong data-start=\"486\" data-end=\"497\">HSBC UK<\/strong>, First Direct jest znany z doskona\u0142ej obs\u0142ugi klienta i prostej, przejrzystej oferty. Jego karta Visa \u0142\u0105czy w sobie cyfrowe zarz\u0105dzanie 100%, mi\u0119dzynarodow\u0105 akceptacj\u0119 i jasne warunki, dzi\u0119ki czemu jest idealna zar\u00f3wno do codziennych zakup\u00f3w, jak i podr\u00f3\u017cy.<\/p><hr data-start=\"766\" data-end=\"769\" \/><h2 data-start=\"771\" data-end=\"826\"><strong>G\u0142\u00f3wne zalety karty First Direct Visa<\/strong><\/h2><h3 data-start=\"828\" data-end=\"848\">Brak op\u0142aty rocznej<\/h3><p data-start=\"849\" data-end=\"940\">Nie ma rocznej ani miesi\u0119cznej op\u0142aty za utrzymanie aktywnej karty, co pomaga obni\u017cy\u0107 koszty sta\u0142e.<\/p><h3 data-start=\"942\" data-end=\"974\">Niska i przejrzysta stawka APR<\/h3><p data-start=\"975\" data-end=\"1103\">Reprezentatywny APR oko\u0142o <strong data-start=\"1006\" data-end=\"1024\">23.9% zmienna<\/strong>, Wynik ten jest uznawany za konkurencyjny w kategorii standardowych kart w Wielkiej Brytanii.<\/p><h3 data-start=\"1105\" data-end=\"1134\">Do 56 dni bez odsetek<\/h3><p data-start=\"1135\" data-end=\"1243\">Zakupy mog\u0105 pozosta\u0107 nieoprocentowane przez okres do 56 dni, o ile pe\u0142na kwota rachunku zostanie zap\u0142acona przed up\u0142ywem terminu p\u0142atno\u015bci.<\/p><h3 data-start=\"1245\" data-end=\"1272\">Zarz\u0105dzanie 100% Digital<\/h3><p data-start=\"1273\" data-end=\"1394\">Pe\u0142na kontrola za po\u015brednictwem aplikacji First Direct: transakcje, dost\u0119pny limit, faktury, p\u0142atno\u015bci i powiadomienia w czasie rzeczywistym.<\/p><h3 data-start=\"1396\" data-end=\"1434\">Akceptacja mi\u0119dzynarodowa (Visa)<\/h3><p data-start=\"1435\" data-end=\"1525\">Korzystaj z karty w milionach plac\u00f3wek fizycznych i internetowych w Wielkiej Brytanii i za granic\u0105.<\/p><h3 data-start=\"1527\" data-end=\"1582\">P\u0142atno\u015bci w pobli\u017cu i portfele cyfrowe<\/h3><p data-start=\"1583\" data-end=\"1662\">Kompatybilny z <strong data-start=\"1598\" data-end=\"1636\">Apple Pay, Google Pay, Samsung Pay<\/strong> i p\u0142atno\u015bci zbli\u017ceniowe.<\/p><h3 data-start=\"1664\" data-end=\"1717\">Transfer salda z promocyjnymi stawkami<\/h3><p data-start=\"1718\" data-end=\"1861\">Okresowe oferty <strong data-start=\"1740\" data-end=\"1778\">0% APR dla transferu salda<\/strong>, S\u0105 one idealne dla tych, kt\u00f3rzy chc\u0105 zreorganizowa\u0107 swoje d\u0142ugi (warunki r\u00f3\u017cni\u0105 si\u0119 w zale\u017cno\u015bci od kampanii).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4dea7a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c4dea7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5633397 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5633397\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcaecdf elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"fcaecdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/pl\/finanse\/reino-unido-cartao-funil1-como-solicitar-first-direct\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"404\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct.jpg\" class=\"attachment-full size-full wp-image-15743\" alt=\"\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct.jpg 640w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct-300x189.jpg 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/12\/first-direct-18x12.jpg 18w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b158623 elementor-widget elementor-widget-text-editor\" data-id=\"b158623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center;\" data-start=\"502\" data-end=\"534\">Karta kredytowa First Direct<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75f0fc7 elementor-widget elementor-widget-text-editor\" data-id=\"75f0fc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Brak op\u0142aty rocznej<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8351968 elementor-widget elementor-widget-button\" data-id=\"8351968\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/pl\/finanse\/reino-unido-cartao-funil1-como-solicitar-first-direct\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">WNIOSEK<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-333afe0 elementor-widget elementor-widget-text-editor\" data-id=\"333afe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(Zostaniesz przekierowany na inn\u0105 stron\u0119)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f587463 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f587463\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-248df4e elementor-widget elementor-widget-text-editor\" data-id=\"248df4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"2618\" data-end=\"2676\"><strong>Standardowe warunki First Direct Visa<\/strong><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db03684 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"db03684\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-39724d7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"39724d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5529ef2 elementor-widget elementor-widget-text-editor\" data-id=\"5529ef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th>Praca<\/th><th>Warunek domy\u015blny<\/th><\/tr><\/thead><tbody><tr><td>Wyp\u0142aty z bankomat\u00f3w<\/td><td>Dozwolone - op\u0142ata w wysoko\u015bci oko\u0142o 2,50 GBP za wyp\u0142at\u0119, z natychmiastowymi odsetkami<\/td><\/tr><tr><td>Op\u0142ata roczna \/ Op\u0142ata miesi\u0119czna<\/td><td>Bezp\u0142atnie - bez op\u0142at rocznych lub miesi\u0119cznych<\/td><\/tr><tr><td>Cashback \/ Nagrody<\/td><td>Mo\u017ce oferowa\u0107 zwrot got\u00f3wki w wysoko\u015bci do 0,5% (warunki r\u00f3\u017cni\u0105 si\u0119).<\/td><\/tr><tr><td>Limit kredytowy<\/td><td>Zdefiniowane zgodnie z analiz\u0105, zwykle do 1 500 GBP<\/td><\/tr><tr><td>Zakupy niezewn\u0119trzne<\/td><td>Dozwolone, zwykle bez dodatkowej op\u0142aty ze strony banku<\/td><\/tr><tr><td>Raty faktury<\/td><td>Dost\u0119pne - z odsetkami od pozosta\u0142ego salda<\/td><\/tr><tr><td>Dodatkowa karta<\/td><td>Dost\u0119pne - do 1 dodatkowego na uchwyt<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f488955 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f488955\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d3a5e0 elementor-widget elementor-widget-text-editor\" data-id=\"1d3a5e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"2641\" data-end=\"2669\"><strong>Kryteria emisji<\/strong><\/h2><p data-start=\"2671\" data-end=\"2743\">Aby ubiega\u0107 si\u0119 o kart\u0119 kredytow\u0105 First Direct Visa, zazwyczaj nale\u017cy:<\/p><ul data-start=\"2745\" data-end=\"2965\"><li data-start=\"2745\" data-end=\"2781\"><p data-start=\"2747\" data-end=\"2781\">Szybka i \u0142atwa rejestracja online<\/p><\/li><li data-start=\"2782\" data-end=\"2819\"><p data-start=\"2784\" data-end=\"2819\">Cyfrowa weryfikacja to\u017csamo\u015bci<\/p><\/li><li data-start=\"2820\" data-end=\"2862\"><p data-start=\"2822\" data-end=\"2862\">Zatwierdzenie zale\u017cy od analizy kredytowej<\/p><\/li><li data-start=\"2863\" data-end=\"2892\"><p data-start=\"2865\" data-end=\"2892\">Rezydencja w Wielkiej Brytanii<\/p><\/li><li data-start=\"2893\" data-end=\"2920\"><p data-start=\"2895\" data-end=\"2920\">Minimalny wiek 18 lat<\/p><\/li><li data-start=\"2921\" data-end=\"2965\"><p data-start=\"2923\" data-end=\"2965\">Minimalny roczny doch\u00f3d w wysoko\u015bci oko\u0142o 10 000 GBP<\/p><\/li><\/ul><h3 data-start=\"2967\" data-end=\"3016\">Zatwierdzenie dla os\u00f3b z ograniczeniami kredytowymi?<\/h3><p data-start=\"3017\" data-end=\"3218\">Zatwierdzenie zale\u017cy od analizy kredytowej. Osoby z negatywn\u0105 histori\u0105 kredytow\u0105 mog\u0105 zosta\u0107 odrzucone, ale First Direct mo\u017ce wzi\u0105\u0107 pod uwag\u0119 inne czynniki, takie jak relacje bankowe i stabilno\u015b\u0107 finansowa.<\/p><hr data-start=\"3220\" data-end=\"3223\" \/><h2 data-start=\"3225\" data-end=\"3265\"><strong>Zaufanie i bezpiecze\u0144stwo First Direct<\/strong><\/h2><ul data-start=\"3267\" data-end=\"3503\"><li data-start=\"3267\" data-end=\"3311\"><p data-start=\"3269\" data-end=\"3311\">Uznany bank i cz\u0119\u015b\u0107 <strong data-start=\"3298\" data-end=\"3309\">HSBC UK<\/strong><\/p><\/li><li data-start=\"3312\" data-end=\"3359\"><p data-start=\"3314\" data-end=\"3359\">Bezpieczna i kompletna aplikacja do zarz\u0105dzania kartami<\/p><\/li><li data-start=\"3360\" data-end=\"3401\"><p data-start=\"3362\" data-end=\"3401\">Kompatybilno\u015b\u0107 z Apple Pay i Google Pay<\/p><\/li><li data-start=\"3402\" data-end=\"3439\"><p data-start=\"3404\" data-end=\"3439\"><strong data-start=\"3404\" data-end=\"3417\">3D Secure<\/strong> dla zakup\u00f3w online<\/p><\/li><li data-start=\"3440\" data-end=\"3503\"><p data-start=\"3442\" data-end=\"3503\">Alerty w czasie rzeczywistym i tymczasowe blokowanie przez aplikacj\u0119<\/p><\/li><\/ul><hr data-start=\"3505\" data-end=\"3508\" \/><h2 data-start=\"3510\" data-end=\"3564\"><strong>Dla kogo przeznaczona jest karta First Direct Visa?<\/strong><\/h2><ul data-start=\"3566\" data-end=\"3902\"><li data-start=\"3566\" data-end=\"3630\"><p data-start=\"3568\" data-end=\"3630\">Mieszka\u0144cy Wielkiej Brytanii szukaj\u0105cy <strong data-start=\"3605\" data-end=\"3628\">karta bez op\u0142aty rocznej<\/strong><\/p><\/li><li data-start=\"3631\" data-end=\"3697\"><p data-start=\"3633\" data-end=\"3697\">U\u017cytkownicy, kt\u00f3rzy ceni\u0105 <strong data-start=\"3656\" data-end=\"3695\">Przejrzysty APR i cyfrowa kontrola<\/strong><\/p><\/li><li data-start=\"3698\" data-end=\"3766\"><p data-start=\"3700\" data-end=\"3766\">Osoby, kt\u00f3re potrzebuj\u0105 niezawodnej karty do codziennego u\u017cytku i podr\u00f3\u017cowania<\/p><\/li><li data-start=\"3767\" data-end=\"3842\"><p data-start=\"3769\" data-end=\"3842\">Ci, kt\u00f3rzy szukaj\u0105 <strong data-start=\"3791\" data-end=\"3840\">przeniesienie salda z promocj\u0105 0% APR<\/strong><\/p><\/li><li data-start=\"3843\" data-end=\"3902\"><p data-start=\"3845\" data-end=\"3902\">Klienci, dla kt\u00f3rych priorytetem jest obs\u0142uga i reputacja banku<\/p><\/li><\/ul><hr data-start=\"3904\" data-end=\"3907\" \/><h2 data-start=\"3909\" data-end=\"3975\"><strong>Por\u00f3wnanie - First Direct Visa vs. inne opcje rynkowe<\/strong><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a2634d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3a2634d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4db12b8 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4db12b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th>Zasoby<\/th><th>Karta kredytowa First Direct Visa<\/th><th>Inne karty standardowe<\/th><\/tr><\/thead><tbody><tr><td>Renta<\/td><td>Bezp\u0142atnie<\/td><td>Mo\u017ce by\u0107<\/td><\/tr><tr><td>APR<\/td><td>Zmienna ~23,9%<\/td><td>20% do 30%<\/td><\/tr><tr><td>Zwrot got\u00f3wki<\/td><td>Do 0,5%<\/td><td>Rzadkie na kartach podstawowych<\/td><\/tr><tr><td>Transfer salda<\/td><td>Tak (promocje 0%)<\/td><td>Zale\u017cy od emitenta<\/td><\/tr><tr><td>Aplikacja cyfrowa<\/td><td>Kompletny<\/td><td>R\u00f3\u017cne<\/td><\/tr><tr><td>Mi\u0119dzynarodowa akceptacja<\/td><td>Wiza<\/td><td>Visa \/ Mastercard<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c1117d elementor-widget elementor-widget-text-editor\" data-id=\"7c1117d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"4400\" data-end=\"4415\"><strong>Wniosek<\/strong><\/h2><p data-start=\"4417\" data-end=\"4772\">O <strong data-start=\"4419\" data-end=\"4452\">Karta kredytowa First Direct Visa<\/strong> to solidna, prosta i przejrzysta opcja dla os\u00f3b mieszkaj\u0105cych w Wielkiej Brytanii, kt\u00f3re chc\u0105 karty bez rocznej op\u0142aty, konkurencyjnych st\u00f3p procentowych i w pe\u0142ni cyfrowego zarz\u0105dzania. Dzi\u0119ki wsparciu grupy HSBC, dobrej mi\u0119dzynarodowej akceptacji i nowoczesnym funkcjom, jest ona odpowiednia zar\u00f3wno dla pocz\u0105tkuj\u0105cych u\u017cytkownik\u00f3w, jak i tych, kt\u00f3rzy maj\u0105 ju\u017c do\u015bwiadczenie z kredytem.<\/p><p data-start=\"4774\" data-end=\"4905\">Je\u015bli szukasz niezawodnej karty, kt\u00f3ra jest \u0142atwa w zarz\u0105dzaniu i nie generuje niepotrzebnych koszt\u00f3w, First Direct Visa zas\u0142uguje na to, by znale\u017a\u0107 si\u0119 na Twojej li\u015bcie.<\/p><hr data-start=\"4907\" data-end=\"4910\" \/><h2 data-start=\"4912\" data-end=\"4954\"><strong>FAQ - Karta kredytowa First Direct (Visa)<\/strong><\/h2><p data-start=\"4956\" data-end=\"5018\"><strong data-start=\"4956\" data-end=\"4982\">Czy karta ma op\u0142at\u0119 roczn\u0105?<\/strong><br data-start=\"4982\" data-end=\"4985\" \/>Nie. Karta nie pobiera op\u0142aty rocznej.<\/p><p data-start=\"5020\" data-end=\"5112\"><strong data-start=\"5020\" data-end=\"5037\">Co to jest APR?<\/strong><br data-start=\"5037\" data-end=\"5040\" \/>\u015arednio oko\u0142o <strong data-start=\"5059\" data-end=\"5081\">23.9% Zmienna APR<\/strong>, podlega analizie kredytowej.<\/p><p data-start=\"5114\" data-end=\"5213\"><strong data-start=\"5114\" data-end=\"5152\">Czy potrzebuj\u0119 konta First Direct?<\/strong><br data-start=\"5152\" data-end=\"5155\" \/>Tak, musisz by\u0107 posiadaczem konta, aby ubiega\u0107 si\u0119 o kart\u0119.<\/p><p data-start=\"5215\" data-end=\"5316\"><strong data-start=\"5215\" data-end=\"5257\">Czy karta jest akceptowana poza Wielk\u0105 Brytani\u0105?<\/strong><br data-start=\"5257\" data-end=\"5260\" \/>Tak, jest akceptowana na ca\u0142ym \u015bwiecie przez Visa.<\/p><p data-start=\"5318\" data-end=\"5414\"><strong data-start=\"5318\" data-end=\"5358\">Czy wsp\u00f3\u0142pracuje z Apple Pay i Google Pay?<\/strong><br data-start=\"5358\" data-end=\"5361\" \/>Tak, kompatybilny z g\u0142\u00f3wnymi portfelami cyfrowymi.<\/p><p data-start=\"5416\" data-end=\"5504\"><strong data-start=\"5416\" data-end=\"5454\">Czy mog\u0119 wyp\u0142aci\u0107 pieni\u0105dze za pomoc\u0105 karty?<\/strong><br data-start=\"5454\" data-end=\"5457\" \/>Tak, ale wi\u0105\u017ce si\u0119 to z natychmiastow\u0105 op\u0142at\u0105 i odsetkami.<\/p><p data-start=\"5506\" data-end=\"5629\" data-is-last-node=\"\" data-is-only-node=\"\"><strong data-start=\"5506\" data-end=\"5551\">Czy istnieje mo\u017cliwo\u015b\u0107 przeniesienia salda z 0% APR?<\/strong><br data-start=\"5551\" data-end=\"5554\" \/>Tak, w kampaniach promocyjnych przez ograniczony czas (patrz aktualne warunki).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Se voc\u00ea vive no Reino Unido e procura um cart\u00e3o de cr\u00e9dito confi\u00e1vel, sem anuidade, com juros competitivos e o respaldo de um banco reconhecido, o First Direct Credit Card (Visa) pode ser uma excelente escolha para o seu dia a dia financeiro. Cart\u00e3o First Direct Credit Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Parte do grupo HSBC UK, o First Direct \u00e9 conhecido pelo excelente atendimento ao cliente e pela proposta simples e transparente. Seu cart\u00e3o Visa combina gest\u00e3o 100% digital, aceita\u00e7\u00e3o internacional e condi\u00e7\u00f5es claras, sendo ideal tanto para compras do cotidiano quanto para uso em viagens. Principais Benef\u00edcios do Cart\u00e3o First Direct Visa \u2705 Sem Anuidade N\u00e3o h\u00e1 taxa anual ou mensal para manter o cart\u00e3o ativo, o que ajuda a reduzir custos fixos. \u2705 APR Baixa e Transparente APR representativa em torno de 23,9% vari\u00e1vel, considerada competitiva dentro da categoria de cart\u00f5es padr\u00e3o no Reino Unido. \u2705 At\u00e9 56 Dias Sem Juros Compras podem ficar sem juros por at\u00e9 56 dias, desde que o valor total da fatura seja pago at\u00e9 o vencimento. \u2705 Gest\u00e3o 100% Digital Controle completo pelo app First Direct: transa\u00e7\u00f5es, limite dispon\u00edvel, faturas, pagamentos e notifica\u00e7\u00f5es em tempo real. \u2705 Aceita\u00e7\u00e3o Internacional (Visa) Use o cart\u00e3o em milh\u00f5es de estabelecimentos f\u00edsicos e online no Reino Unido e no exterior. \u2705 Pagamentos por Aproxima\u00e7\u00e3o e Carteiras Digitais Compat\u00edvel com Apple Pay, Google Pay, Samsung Pay e pagamentos contactless. \u2705 Transfer\u00eancia de Saldo com Taxas Promocionais Ofertas peri\u00f3dicas de 0% APR para transfer\u00eancia de saldo, ideais para quem quer reorganizar d\u00edvidas (condi\u00e7\u00f5es variam conforme a campanha). Cart\u00e3o First Direct Credit Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Condi\u00e7\u00f5es Padr\u00e3o do Cart\u00e3o First Direct Visa Servi\u00e7o Condi\u00e7\u00e3o Padr\u00e3o Saques em Caixas Eletr\u00f4nicos Permitidos \u2013 tarifa de cerca de \u00a32,50 por saque, com juros imediatos Anuidade \/ Mensalidade Gratuito \u2013 sem taxa anual ou mensal Cashback \/ Recompensas Pode oferecer cashback de at\u00e9 0,5% (condi\u00e7\u00f5es variam) Limite de Cr\u00e9dito Definido conforme an\u00e1lise, geralmente at\u00e9 \u00a31.500 Compras no Exterior Permitidas, normalmente sem taxa adicional do banco Parcelamento da Fatura Dispon\u00edvel \u2013 com juros sobre saldo devedor Cart\u00e3o Adicional Dispon\u00edvel \u2013 at\u00e9 1 adicional por titular Crit\u00e9rios para Emiss\u00e3o Para solicitar o First Direct Credit Card Visa, geralmente \u00e9 necess\u00e1rio: Cadastro online simples e r\u00e1pido Verifica\u00e7\u00e3o de identidade digital Aprova\u00e7\u00e3o sujeita \u00e0 an\u00e1lise de cr\u00e9dito Resid\u00eancia no Reino Unido Idade m\u00ednima de 18 anos Renda m\u00ednima anual aproximada de \u00a310.000 Aprova\u00e7\u00e3o para quem tem restri\u00e7\u00e3o de cr\u00e9dito? A aprova\u00e7\u00e3o depende da an\u00e1lise de cr\u00e9dito. Pessoas com hist\u00f3rico negativo podem ser recusadas, mas o First Direct pode considerar outros fatores, como relacionamento banc\u00e1rio e estabilidade financeira. Confian\u00e7a e Seguran\u00e7a First Direct Banco reconhecido e parte do HSBC UK App seguro e completo para gest\u00e3o do cart\u00e3o Compat\u00edvel com Apple Pay e Google Pay 3D Secure para compras online Alertas em tempo real e bloqueio tempor\u00e1rio pelo aplicativo Para quem o Cart\u00e3o First Direct Visa \u00e9 Indicado? Residentes no Reino Unido que buscam cart\u00e3o sem anuidade Usu\u00e1rios que valorizam APR transparente e controle digital Pessoas que querem um cart\u00e3o confi\u00e1vel para uso di\u00e1rio e viagens Quem deseja op\u00e7\u00f5es de transfer\u00eancia de saldo com 0% APR promocional Clientes que priorizam atendimento e reputa\u00e7\u00e3o banc\u00e1ria Comparativo \u2013 First Direct Visa vs. Outras Op\u00e7\u00f5es do Mercado Recurso First Direct Credit Card Visa Outros Cart\u00f5es Padr\u00e3o Anuidade Gratuita Pode haver APR ~23,9% vari\u00e1vel 20% a 30% Cashback At\u00e9 0,5% Raro em cart\u00f5es b\u00e1sicos Transfer\u00eancia de Saldo Sim (promo\u00e7\u00f5es 0%) Depende do emissor App Digital Completo Varia Aceita\u00e7\u00e3o Internacional Visa Visa \/ Mastercard Conclus\u00e3o O First Direct Credit Card Visa \u00e9 uma op\u00e7\u00e3o s\u00f3lida, simples e transparente para quem vive no Reino Unido e quer um cart\u00e3o sem anuidade, com juros competitivos e gest\u00e3o totalmente digital. Com o respaldo do grupo HSBC, boa aceita\u00e7\u00e3o internacional e recursos modernos, ele atende bem tanto usu\u00e1rios iniciantes quanto quem j\u00e1 tem experi\u00eancia com cr\u00e9dito. Se voc\u00ea procura um cart\u00e3o confi\u00e1vel, f\u00e1cil de gerenciar e sem custos desnecess\u00e1rios, o First Direct Visa merece estar na sua lista. FAQ \u2013 First Direct Credit Card (Visa) O cart\u00e3o tem anuidade?N\u00e3o. O cart\u00e3o n\u00e3o cobra anuidade. Qual \u00e9 o APR?Em m\u00e9dia, cerca de 23,9% APR vari\u00e1vel, sujeito \u00e0 an\u00e1lise de cr\u00e9dito. Preciso ter conta no First Direct?Sim. \u00c9 necess\u00e1rio ser correntista para solicitar o cart\u00e3o. O cart\u00e3o \u00e9 aceito fora do Reino Unido?Sim. Ele tem aceita\u00e7\u00e3o internacional pela bandeira Visa. Funciona com Apple Pay e Google Pay?Sim. Compat\u00edvel com as principais carteiras digitais. Posso sacar dinheiro com o cart\u00e3o?Sim, mas h\u00e1 cobran\u00e7a de taxa e juros imediatos. Existe transfer\u00eancia de saldo com 0% APR?Sim, em campanhas promocionais por tempo limitado (ver condi\u00e7\u00f5es vigentes).<\/p>","protected":false},"author":1,"featured_media":15744,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[326],"tags":[],"post_folder":[],"class_list":["post-15742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/posts\/15742","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/comments?post=15742"}],"version-history":[{"count":10,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/posts\/15742\/revisions"}],"predecessor-version":[{"id":17464,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/posts\/15742\/revisions\/17464"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/media\/15744"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/media?parent=15742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/categories?post=15742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/tags?post=15742"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/pl\/wp-json\/wp\/v2\/post_folder?post=15742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}