{"id":4620,"date":"2022-07-04T16:23:00","date_gmt":"2022-07-04T16:23:00","guid":{"rendered":"https:\/\/creditoportugues.com\/?p=4620"},"modified":"2026-04-08T17:26:38","modified_gmt":"2026-04-08T17:26:38","slug":"aderir-credito-pessoal-universo","status":"publish","type":"post","link":"https:\/\/creditoportugues.com\/wp-backup\/aderir-credito-pessoal-universo\/","title":{"rendered":"Escolha o seu e veja como aderir cr\u00e9dito Pessoal Universo"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Onde \u00e9 poss\u00edvel solicitar o Cr\u00e9dito Pessoal Universo?<\/strong><\/h2>\n\n\n\n<p>Se for cliente Cart\u00e3o Universo, podes escolher entre as 3 op\u00e7\u00f5es oferecidas, o cr\u00e9dito que quer: Cr\u00e9dito Pessoal, Cr\u00e9dito Autom\u00f3vel ou Cr\u00e9dito Consolidado e podes fazer isso indo diretamente na App ou \u00c1rea de Cliente Universo On-line.<\/p>\n\n\n\n<p>Se n\u00e3o for cliente Cart\u00e3o Universo, pode pedir no Site Universo, www.universo.pt ou, se preferir, pelo telefone 308 811&nbsp;418.<\/p>\n\n\n\n<p>Portanto, sendo ou n\u00e3o cliente, \u00e9 poss\u00edvel recorrer ao Universo e concretizar teu sonho!<\/p>\n\n\n<div class=\"lazyblock-cartao-solicitacao-20FcAC wp-block-lazyblock-cartao-solicitacao\"><style>\n.cp-card-pro {\n  display: flex;\n  flex-direction: column;\n  border: 1px solid #E8E8E8;\n  border-radius: 16px;\n  overflow: hidden;\n  width: 100%;\n  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.07);\n  background: #ffffff;\n  box-sizing: border-box;\n  margin-bottom: 24px;\n}\n\n.cp-card-pro__image-wrap {\n  background: linear-gradient(135deg, #fff5f5 0%, #f0fff4 100%);\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  padding: 32px 24px;\n}\n\n.cp-card-pro__image-wrap img {\n  width: 100%;\n  max-width: 220px;\n  height: auto;\n  display: block;\n  filter: drop-shadow(0 8px 16px rgba(232, 35, 42, 0.12));\n}\n\n.cp-card-pro__content {\n  padding: 24px 20px;\n  display: flex;\n  flex-direction: column;\n  gap: 14px;\n}\n\n.cp-card-pro__label {\n  font-size: 11px;\n  text-transform: uppercase;\n  letter-spacing: 0.09em;\n  color: #999;\n  font-weight: 600;\n}\n\n.cp-card-pro__title {\n  font-size: 1.25rem;\n  font-weight: 700;\n  margin: 0;\n  color: #1a1a1a;\n  line-height: 1.3;\n}\n\n.cp-card-pro__attributes {\n  display: flex;\n  gap: 8px;\n  flex-wrap: wrap;\n}\n\n.cp-card-pro__tag {\n  border-radius: 20px;\n  padding: 5px 14px;\n  background: #E8F9EA;\n  color: #1A7A2E;\n  font-size: 12px;\n  font-weight: 600;\n  border: 1px solid #A8DFB0;\n}\n\n.cp-card-pro__description {\n  font-size: 14px;\n  color: #555;\n  line-height: 1.65;\n  margin: 0;\n}\n\n.cp-card-pro__footer {\n  display: flex;\n  flex-direction: column;\n  align-items: stretch;\n  gap: 8px;\n  margin-top: 4px;\n}\n\n.cp-card-pro__cta {\n  display: block;\n  border-radius: 10px;\n  padding: 13px 28px;\n  background: #2DB84B;\n  color: #ffffff;\n  text-decoration: none;\n  font-size: 14px;\n  font-weight: 700;\n  text-align: center;\n  transition: background 0.2s ease, transform 0.15s ease;\n  box-sizing: border-box;\n}\n\n.cp-card-pro__cta:hover {\n  background: #229B3D;\n  color: #ffffff;\n  transform: translateY(-2px);\n}\n\n.cp-card-pro__note {\n  font-size: 11px;\n  color: #bbb;\n  text-align: center;\n  margin: 0;\n}\n\n@media (min-width: 768px) {\n  .cp-card-pro {\n    flex-direction: row;\n    min-height: 260px;\n  }\n\n  .cp-card-pro__image-wrap {\n    width: 36%;\n    flex-shrink: 0;\n    padding: 40px 32px;\n  }\n\n  .cp-card-pro__content {\n    flex: 1;\n    padding: 32px 40px;\n    justify-content: center;\n  }\n\n  .cp-card-pro__title {\n    font-size: 1.5rem;\n  }\n\n  .cp-card-pro__footer {\n    align-items: flex-start;\n  }\n\n  .cp-card-pro__cta {\n    display: inline-block;\n    width: auto;\n  }\n\n  .cp-card-pro__note {\n    text-align: left;\n  }\n}\n<\/style>\n\n<div class=\"cp-card-pro\">\n  <div class=\"cp-card-pro__image-wrap\">\n    <img decoding=\"async\" src=\"https:\/\/creditoportugues.com\/wp-content\/uploads\/2022\/08\/Lazy-Block-universo.png\" alt=\"CP UNIVERSO\" loading=\"lazy\" \/>\n  <\/div>\n  <div class=\"cp-card-pro__content\">\n    <span class=\"cp-card-pro__label\">CR\u00c9DITO PESSOAL<\/span>\n    <h3 class=\"cp-card-pro__title\">CP UNIVERSO<\/h3>\n    <div class=\"cp-card-pro__attributes\">\n      <span class=\"cp-card-pro__tag\">MONTANTE DE AT\u00c9 75.000\u20ac<\/span>\n      <span class=\"cp-card-pro__tag\">PRAZOS DE 18 a 84 meses<\/span>\n    <\/div>\n    <p class=\"cp-card-pro__description\">Fa\u00e7a aqui a sua simula\u00e7\u00e3o, de forma r\u00e1pida, f\u00e1cil e sem custos!<\/p>\n    <div class=\"cp-card-pro__footer\">\n      <a href=\"https:\/\/universo.pt\/credito\/credito-pessoal\/\" class=\"cp-card-pro__cta\">ADERIR AGORA \u279d<\/a>\n      <p class=\"cp-card-pro__note\">Ser\u00e1s encaminhado a outro s\u00edtio<\/p>\n    <\/div>\n  <\/div>\n<\/div><\/div>\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"lazyblock-bloco-de-links-Z2olbQP wp-block-lazyblock-bloco-de-links\"><style>\n.cp-links {\n  width: 100%;\n  box-sizing: border-box;\n  padding-bottom: 24px;\n}\n.cp-links__title {\n  font-size: 1rem;\n  font-weight: 700;\n  color: #1a1a1a;\n  margin: 0 0 12px;\n}\n\n.cp-links__grid {\n  display: grid;\n  grid-template-columns: 1fr;\n  gap: 8px;\n}\n\n.cp-links__item {\n  display: block;\n  background: #E8F9EA;\n  border: 1px solid #A8DFB0;\n  border-radius: 10px;\n  padding: 12px 14px;\n  font-size: 13px;\n  color: #1a1a1a;\n  text-decoration: none;\n  transition: background 0.2s ease, transform 0.15s ease;\n  box-sizing: border-box;\n}\n\n.cp-links__item:hover {\n  background: #d0f0d5;\n  color: #1a1a1a;\n  transform: translateX(3px);\n}\n\n@media (min-width: 768px) {\n  .cp-links__grid {\n    grid-template-columns: 1fr 1fr;\n  }\n}\n<\/style>\n\n<div class=\"cp-links\">\n  <h3 class=\"cp-links__title\">Conte\u00fado Recomendado<\/h3>\n  <div class=\"cp-links__grid\">\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/ctt\/\" class=\"cp-links__item\">0\u20ac DE COMISS\u00c3O \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/ca-mulher\/\" class=\"cp-links__item\">RECOMPENSAS \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/cartao-de-credito-cacompanhia-o-seu-melhor-companheiro\/\" class=\"cp-links__item\">CR\u00c9DITO IMEDIATO \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/credito-pessoal\/credito-pessoal-universo\/\" class=\"cp-links__item\">CR\u00c9DITO SEM JUROS \u279d<\/a>\n  <\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Fa\u00e7a a simula\u00e7\u00e3o de Pedido de Cr\u00e9dito na APP Universo<\/strong><\/h2>\n\n\n\n<p>Vamos ao passo a passo. Entre na App Universo e selecione \u201cUsar\u201d. Escolha a op\u00e7\u00e3o \u201cPedir Cr\u00e9dito\u201d caso esteja interessado num cr\u00e9dito pessoal. Selecione a finalidade do seu pedido, o montante total e a dura\u00e7\u00e3o do contrato. Enviando essas informa\u00e7\u00f5es j\u00e1 \u00e9 poss\u00edvel a App calcular o MTIC, a mensalidade, prazos, etc.<\/p>\n\n\n\n<p>Depois escolha ou n\u00e3o o Seguro de Prote\u00e7\u00e3o ao Cr\u00e9dito, que \u00e9 opcional e clique em \u201cEfetuar Pedido\u201d Nesta hora, confirme os seus Dados Profissionais, os teus Rendimentos, os Encargos e os teus Dados Banc\u00e1rios- Leia tudo atentamento, as condi\u00e7\u00f5es legais, a FIN e se concordar cm tudo, selecione \u201cSim, Autorizo\u201d. Fa\u00e7a em seguida a assinatura digital dos contratos e depois fa\u00e7a o upload da documenta\u00e7\u00e3o.<\/p>\n\n\n\n<p>Caso deseje concluir mais tarde, a assinatura digital e o upload de documentos, deixe pendente e fa\u00e7a depois na \u00c1rea Estado do Pedido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Se a tua inten\u00e7\u00e3o for o Cr\u00e9dito Consolidado, siga estes passos:<\/strong><\/h2>\n\n\n\n<p>Entre na sua App Universo e, selecione a op\u00e7\u00e3o \u201cUsar\u201d. Depois clique em \u201cJuntar Cr\u00e9ditos\u201d. Depois selecione o montante total em d\u00edvida que pretende consolidar, coloque a mensalidade dos seus cr\u00e9ditos atuais e finalmente, o montante escolhido para o novo cr\u00e9dito. Na pr\u00f3pria App ser\u00e1 calculada a nova presta\u00e7\u00e3o.<\/p>\n\n\n\n<p>Se quiser optar pelo Seguro Prote\u00e7\u00e3o ao Cr\u00e9dito, clique na op\u00e7\u00e3o do seguro e depois selecione a op\u00e7\u00e3o \u201cQuero ser contactado\u201d para que os atendentes do Universo entrem em contato consigo.<\/p>\n\n\n\n<p>Ser\u00e1 ele, o consultor comercial que em 48h entrar\u00e1 em contato e informar\u00e1 sobre os pr\u00f3ximos passos, entre eles como concluir todo o processo e fazer o upload da documenta\u00e7\u00e3o + assinatura digital, etc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Seguem alguns exemplos ilustrativos para que tenhas uma ideia<\/strong><\/h2>\n\n\n\n<p>Se pedires, 5.000\u20ac, a mensalidade dependendo do c\u00e1lculo final, ser\u00e1 em m\u00e9dia 80,93\u20ac a 84 meses. Para este exemplo, a TAN \u00e9 desde 8,84% e a TAEG desde 10,5%. O MTIC, que \u00e9 MTIC: Montante Total Imputado ao Consumidor, fica em torno de 6.930,12\u20ac.<\/p>\n\n\n\n<p>J\u00e1 se o valor pedido for de 10.000\u20ac, prepare-se para uma mensalidade por volta de 161,50\u20ac a 84 meses com TAN desde 8,77% e TAEG desde 10,4%. O MTIC fica por 13.830,00\u20ac.<\/p>\n\n\n\n<p>Montantes, Prazos e Taxas podem ser de 2.500\u20ac a 75.000\u20ac, pelo per\u00edodo de 18 a 84 meses. A TAN calculada vai desde 5,67% e a TAEG desde 9,4%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Os cr\u00e9ditos do Universo pertencem a qual entidade financeira?<\/strong><\/h2>\n\n\n\n<p>&nbsp;Quais as institui\u00e7\u00f5es financeiras de cr\u00e9dito que concedem e gerem os Cr\u00e9ditos Universo?<\/p>\n\n\n\n<p>Para a sua tranquilidade, os cart\u00f5es e cr\u00e9dito do Universo s\u00e3o gerados pelo Banco BNP Paribas Personal Finance S.A., Sucursal em Portugal e tem a YOUNITED S.A. como entidade que concede e gera o Cr\u00e9dito Pessoal, Autom\u00f3vel e Consolidado Universo.<\/p>\n\n\n\n<p>A Universo IME \u00e9 apenas intermedi\u00e1ria de cr\u00e9dito e que \u00e9 sujeita \u00e0 supervis\u00e3o do Banco de Portugal.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/millennium-platinum\/\">Veja Tamb\u00e9m<\/a><\/strong><\/p>\n\n\n\n<p><strong>Aten\u00e7\u00e3o: O Cr\u00e9dito Portugu\u00eas n\u00e3o faz avalia\u00e7\u00f5es de cr\u00e9dito e nem realiza empr\u00e9stimos. O intuito do site \u00e9 s\u00f3 divulgar os produtos e servi\u00e7os oferecidos pelas institui\u00e7\u00f5es financeiras.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Guia pr\u00e1tico para aderir e come\u00e7ar a usufruir de todas as vantagens dispon\u00edveis.<\/p>\n","protected":false},"author":1,"featured_media":11456,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-4620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-pessoal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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