{"id":943,"date":"2025-12-23T15:01:17","date_gmt":"2025-12-23T18:01:17","guid":{"rendered":"http:\/\/www.ce.gov.br\/proconceara\/?page_id=943"},"modified":"2026-01-07T11:11:04","modified_gmt":"2026-01-07T14:11:04","slug":"cartao-de-credito","status":"publish","type":"page","link":"https:\/\/www.ce.gov.br\/proconceara\/cartao-de-credito\/","title":{"rendered":"Cart\u00e3o de Cr\u00e9dito"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><strong>N\u00e3o reconhe\u00e7o uma compra no meu cart\u00e3o. O que devo fazer?<\/strong><br \/>\nEntre em contato imediatamente com a administradora do cart\u00e3o para registrar a contesta\u00e7\u00e3o da compra e solicitar o bloqueio preventivo, se necess\u00e1rio.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>A compra contestada pode gerar juros ou multa?<\/strong><br \/>\nN\u00e3o. O valor contestado n\u00e3o deve gerar cobran\u00e7a definitiva at\u00e9 o fim da an\u00e1lise.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>O banco pode exigir pagamento do valor contestado?<\/strong><br \/>\nN\u00e3o, enquanto a contesta\u00e7\u00e3o estiver em andamento.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Qual \u00e9 o prazo para an\u00e1lise da contesta\u00e7\u00e3o?<\/strong><br \/>\nEm geral, o prazo \u00e9 de at\u00e9 45 dias, conforme as regras da institui\u00e7\u00e3o financeira.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Posso cancelar o cart\u00e3o ap\u00f3s uma fraude?<\/strong><br \/>\nSim. O bloqueio e a substitui\u00e7\u00e3o do cart\u00e3o s\u00e3o recomendados.<\/p>\n<p><strong><br \/>\nPosso ser cobrado enquanto a compra est\u00e1 sendo analisada?<\/strong><br \/>\nO valor contestado n\u00e3o deve gerar cobran\u00e7a definitiva nem juros at\u00e9 o fim da an\u00e1lise.<\/p>\n<p><strong><br \/>\nCobran\u00e7a indevida gera devolu\u00e7\u00e3o em dobro?<\/strong><br \/>\nSim, quando fica comprovado que a cobran\u00e7a foi indevida e ocorreu de m\u00e1-f\u00e9.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.ce.gov.br\/proconceara\/perguntas-frequentes\/\" class=\"btn-link\">Voltar para Perguntas Frequentes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; N\u00e3o reconhe\u00e7o uma compra no meu cart\u00e3o. O que devo fazer? Entre em contato imediatamente com a administradora do cart\u00e3o para registrar a contesta\u00e7\u00e3o da compra e solicitar o bloqueio preventivo, se necess\u00e1rio. &nbsp; A compra contestada pode gerar juros ou multa? N\u00e3o. O valor contestado n\u00e3o deve gerar cobran\u00e7a definitiva at\u00e9 o fim [&hellip;]<\/p>\n","protected":false},"author":967,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-943","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cart\u00e3o de Cr\u00e9dito - PROCONCEARA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ce.gov.br\/proconceara\/cartao-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cart\u00e3o de Cr\u00e9dito - PROCONCEARA\" \/>\n<meta property=\"og:description\" content=\"&nbsp; N\u00e3o reconhe\u00e7o uma compra no meu cart\u00e3o. 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