<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//fr.debitoecredito.com/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<sitemap>
		<loc>http://fr.debitoecredito.com/post-sitemap.xml</loc>
		<lastmod>2026-02-09T19:23:19+00:00</lastmod>
	</sitemap>
	<sitemap>
		<loc>http://fr.debitoecredito.com/page-sitemap.xml</loc>
		<lastmod>2026-05-15T14:09:14+00:00</lastmod>
	</sitemap>
	<sitemap>
		<loc>http://fr.debitoecredito.com/category-sitemap.xml</loc>
		<lastmod>2026-02-09T19:23:19+00:00</lastmod>
	</sitemap>
	<sitemap>
		<loc>http://fr.debitoecredito.com/post_tag-sitemap.xml</loc>
		<lastmod>2026-02-09T19:23:19+00:00</lastmod>
	</sitemap>
	<sitemap>
		<loc>http://fr.debitoecredito.com/author-sitemap.xml</loc>
		<lastmod>2026-07-01T14:04:48+00:00</lastmod>
	</sitemap>
</sitemapindex>
<!-- XML Sitemap generated by Yoast SEO -->
<!-- Brum Reward v1.0.6 inline -->
<style id='brum-reward-css'>/* Brum Reward — public popup */
#brum-reward-overlay{position:fixed;inset:0;z-index:999999;display:none;align-items:center;justify-content:center;background:rgba(0,0,0,.45);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;padding:20px;animation:gr-fade .25s ease-out}
#brum-reward-overlay.gr-visible{display:flex}
@keyframes gr-fade{from{opacity:0}to{opacity:1}}
.gr-card{background:#fff;width:100%;max-width:380px;border-radius:16px;padding:20px 22px;box-shadow:0 20px 60px rgba(0,0,0,.25);position:relative;animation:gr-pop .4s cubic-bezier(.16,1,.3,1)}
@keyframes gr-pop{from{transform:scale(.92) translateY(20px);opacity:0}to{transform:scale(1) translateY(0);opacity:1}}
.gr-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}
.gr-header-label{font-size:13px;color:#888;font-weight:400}
.gr-close{background:none;border:none;cursor:pointer;color:#888;font-size:20px;line-height:1;padding:4px;border-radius:4px;transition:color .15s}
.gr-close:hover{color:#333}
.gr-profile{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.gr-avatar-wrap{position:relative;flex-shrink:0}
.gr-avatar{width:60px;height:60px;border-radius:50%;background:linear-gradient(45deg,#ff6b9d 0%,#ff9a3c 50%,#c44dff 100%);padding:2.5px}
.gr-avatar img{width:100%;height:100%;border-radius:50%;object-fit:cover;border:2px solid #fff;display:block}
.gr-online{position:absolute;bottom:2px;right:2px;width:12px;height:12px;border-radius:50%;background:#4caf50;border:2px solid #fff}
.gr-info{flex:1;min-width:0}
.gr-name{font-size:17px;font-weight:700;color:#1a1a1a;margin:0 0 4px;display:flex;align-items:baseline;gap:6px}
.gr-age{font-size:15px;font-weight:400;color:#666}
.gr-loc{font-size:13px;color:#666;margin:0 0 3px;display:flex;align-items:center;gap:4px}
.gr-time{font-size:12px;color:#999;margin:0}
.gr-badge{flex-shrink:0;background:#ef4444;color:#fff;font-size:12px;font-weight:700;min-width:22px;height:22px;border-radius:999px;padding:0 7px;display:flex;align-items:center;justify-content:center;animation:gr-bp 1.5s ease-in-out infinite}
@keyframes gr-bp{0%,100%{transform:scale(1)}50%{transform:scale(1.08)}}
.gr-bubble{background:#f3f3f3;color:#1a1a1a;padding:12px 16px;border-radius:18px 18px 18px 4px;font-size:14px;line-height:1.4;margin-bottom:16px;word-wrap:break-word}
.gr-cta{display:block;width:100%;color:#fff;border:none;padding:14px;border-radius:999px;font-size:15px;font-weight:700;cursor:pointer;transition:transform .15s,box-shadow .15s;box-shadow:0 4px 14px rgba(29,161,242,.35);text-align:center}
.gr-cta:hover{transform:translateY(-1px);box-shadow:0 6px 20px rgba(29,161,242,.5)}
.gr-cta:active{transform:translateY(0)}
.gr-footer{text-align:center;font-size:11px;color:#aaa;margin:10px 0 0}
.gr-ad-slot{width:100%;min-height:50px;margin-bottom:12px;display:flex;align-items:center;justify-content:center;overflow:hidden}
.gr-ad-slot>*{max-width:100%}
.gr-card--offer{text-align:center;padding:32px 28px 24px;position:relative}
.gr-card--offer .gr-close{position:absolute;top:12px;right:16px}
.gr-offer-emoji{font-size:52px;line-height:1;margin-bottom:18px}
.gr-offer-title{font-size:26px;font-weight:900;color:#1a1a2e;margin:0 0 14px;line-height:1.2;text-transform:uppercase;letter-spacing:-0.5px}
.gr-offer-desc{font-size:14px;color:#555;margin:0 0 20px;line-height:1.55}
@media (max-width:420px){.gr-card{padding:16px 18px}.gr-avatar{width:54px;height:54px}.gr-name{font-size:16px}.gr-cta{padding:12px;font-size:14px}.gr-offer-title{font-size:22px}.gr-offer-emoji{font-size:44px}}
</style>
<div id='brum-reward-overlay' role='dialog' aria-modal='true' aria-hidden='true'></div>
<script id='brum-reward-js'>window.BrumRewardData={"headerLabel":"Suggested for you","profileName":"Jessica","profileAge":28,"profileLocation":"Near {{CITY}}","profileImage":"https:\/\/i.pravatar.cc\/150?img=47","online":true,"timeAgo":"8 min ago","notificationCount":1,"message":"Continuez pour d\u00e9couvrir les offres de carte de cr\u00e9dit et v\u00e9rifier les montants auxquels vous pourriez \u00eatre admissible.","buttonText":"VOIR LES OFFRES \ud83d\udc46","footerLabel":"Contenu sugg\u00e9r\u00e9 en fonction de vos int\u00e9r\u00eats","redirectUrl":"https:\/\/fr.debitoecredito.com\/comment-demander-un-pret-aupres-de-bnp-paribas\/","primaryColor":"#1DA1F2","secondaryColor":"#1976D2","delaySeconds":3,"intervalMinutes":30,"fallbackCity":"you","detectCity":true,"abVariations":"[]","minPageViews":1,"popupStyle":"offer","offerEmoji":"\ud83d\udc40","offerTitle":"DES OFFRES PEUVENT \u00caTRE DISPONIBLES POUR VOUS","adManagerEnabled":true,"adManagerType":"rewarded","adManagerSlot":"\/23292093160\/FR.debitoecredito.com\/fr.debitoecredito.com_rewards","adManagerDivId":"","ajaxUrl":"https:\/\/fr.debitoecredito.com\/wp-admin\/admin-ajax.php","trackNonce":"e487ee07ec"};window.BrumRewardDebug=false;(function () {
    'use strict';

    if ( typeof window.BrumRewardData === 'undefined' ) { return; }
    if ( window.__BRUM_REWARD_LOADED__ ) { return; }
    window.__BRUM_REWARD_LOADED__ = true;

    var DEBUG = !!window.BrumRewardDebug;
    var CFG   = window.BrumRewardData.config || window.BrumRewardData;
    var overlay = document.getElementById( 'brum-reward-overlay' );

    function log () {
        if ( ! DEBUG ) return;
        try { console.log.apply( console, [ '[BrumReward]' ].concat( [].slice.call( arguments ) ) ); } catch (e) {}
    }

    log( 'inicializando v1.0.2', { config: CFG, overlay: !!overlay } );

    if ( ! overlay ) {
        log( 'ERRO: container #brum-reward-overlay não encontrado' );
        return;
    }

    var STORAGE_KEY   = 'brum_reward_seen_v1';
    var CITY_KEY      = 'brum_reward_city_v1';
    var PAGE_VIEW_KEY = 'brum_reward_pv_v1';
    var UTM_KEY       = 'brum_reward_utm_v1';
    var VARIANT_KEY   = 'brum_reward_variant_v1';
    var UTM_PARAMS    = ['utm_source','utm_medium','utm_campaign','utm_term','utm_content','state'];

    // Captura UTM params da URL atual e persiste na sessão
    (function () {
        try {
            var params = new URLSearchParams( window.location.search );
            var utm = {};
            UTM_PARAMS.forEach( function (k) {
                var v = params.get(k);
                if (v) utm[k] = v;
            });
            if ( Object.keys(utm).length > 0 ) {
                sessionStorage.setItem( UTM_KEY, JSON.stringify(utm) );
            }
        } catch (e) {}
    })();

    // Adiciona UTM params a qualquer URL de destino
    function appendUtm ( url ) {
        if ( !url ) return url;
        try {
            var stored = sessionStorage.getItem( UTM_KEY );
            if ( !stored ) return url;
            var utm  = JSON.parse( stored );
            var dest = new URL( url, window.location.href );
            Object.keys(utm).forEach( function (k) { dest.searchParams.set(k, utm[k]); });
            return dest.toString();
        } catch (e) { return url; }
    }

    // Seleciona variação A/B — por URL pattern (país/artigo) ou aleatória
    (function () {
        if ( !CFG.abVariations ) return;
        var variations;
        try { variations = JSON.parse( CFG.abVariations ); } catch (e) { return; }
        if ( !Array.isArray(variations) || variations.length === 0 ) return;

        var selected = null;
        var currentPath = window.location.pathname + window.location.search;

        var currentHref = window.location.href.replace(/\/$/, '');

        // Compara padrão contra URL atual
        // - URL completa (http/https): comparação exata (sem trailing slash)
        // - Fragmento/slug: substring do pathname
        function matchPattern( pattern ) {
            pattern = pattern.trim().replace(/\/$/, '');
            if ( !pattern ) return false;
            if ( pattern.indexOf('http://') === 0 || pattern.indexOf('https://') === 0 ) {
                return currentHref === pattern;
            }
            return currentPath.indexOf(pattern) !== -1;
        }

        // 1. Tenta match por URL cadastrada (país/artigo)
        for ( var i = 0; i < variations.length; i++ ) {
            var vp = variations[i];
            if ( !vp.url_patterns ) continue;
            // suporta separadores: vírgula ou nova linha
            var patterns = vp.url_patterns.split(/[,\n]/);
            for ( var j = 0; j < patterns.length; j++ ) {
                if ( matchPattern( patterns[j] ) ) {
                    selected = vp;
                    log( 'A/B match por URL:', patterns[j].trim(), vp );
                    break;
                }
            }
            if ( selected ) break;
        }

        // 2. Se não bateu nenhum padrão, sorteia aleatório (persistido na sessão)
        if ( !selected ) {
            // Pool = apenas variações sem url_patterns; se todas tiverem, usa todas
            var pool = variations.filter( function (v) { return !v.url_patterns; } );
            if ( pool.length === 0 ) pool = variations;

            var idx;
            try {
                var stored = sessionStorage.getItem( VARIANT_KEY );
                idx = ( stored !== null ) ? parseInt( stored, 10 ) : -1;
                if ( isNaN(idx) || idx < 0 || idx >= pool.length ) {
                    idx = Math.floor( Math.random() * pool.length );
                    sessionStorage.setItem( VARIANT_KEY, String(idx) );
                }
            } catch (e) { idx = 0; }

            selected = pool[idx];
            log( 'A/B variação aleatória:', idx, selected );
        }

        // 3. Aplica campos da variação ao CFG
        if ( selected.emoji )        CFG.offerEmoji  = selected.emoji;
        if ( selected.title )        CFG.offerTitle  = selected.title;
        if ( selected.description )  CFG.message     = selected.description;
        if ( selected.button )       CFG.buttonText  = selected.button;
        if ( selected.redirect_url ) CFG.redirectUrl = selected.redirect_url;

        // 4. Guarda nome do projeto ativo para rastreamento de cliques
        CFG._activeVariant = selected.name || selected.title || '';
    })();

    // Conta esta visita de página na sessão atual (reseta ao fechar o navegador)
    var _pageViews = (function () {
        try {
            var v = parseInt( sessionStorage.getItem( PAGE_VIEW_KEY ) || '0', 10 ) + 1;
            sessionStorage.setItem( PAGE_VIEW_KEY, String( v ) );
            return v;
        } catch (e) { return 1; }
    })();

    function esc ( str ) {
        if ( str === null || typeof str === 'undefined' ) return '';
        return String(str)
            .replace(/&/g, '&amp;').replace(/</g, '&lt;').replace(/>/g, '&gt;')
            .replace(/"/g, '&quot;').replace(/'/g, '&#039;');
    }

    function getCity ( cb ) {
        if ( ! CFG.detectCity ) { return cb( CFG.fallbackCity || '' ); }
        try {
            var cached = sessionStorage.getItem( CITY_KEY );
            if ( cached ) return cb( cached );
        } catch (e) {}

        var done = false;
        var timer = setTimeout(function () {
            if ( done ) return;
            done = true;
            cb( CFG.fallbackCity || '' );
        }, 3000);

        try {
            fetch( 'https://ipapi.co/json/' )
                .then( function ( r ) { return r.json(); } )
                .then( function ( d ) {
                    if ( done ) return;
                    done = true; clearTimeout( timer );
                    var city = ( d && d.city ) ? String(d.city).slice(0, 60) : ( CFG.fallbackCity || '' );
                    try { sessionStorage.setItem( CITY_KEY, city ); } catch (e) {}
                    cb( city );
                })
                .catch( function () {
                    if ( done ) return;
                    done = true; clearTimeout( timer );
                    cb( CFG.fallbackCity || '' );
                });
        } catch (e) {
            done = true; clearTimeout( timer );
            cb( CFG.fallbackCity || '' );
        }
    }

    function trackClick ( variantName, granted ) {
        if ( !CFG.ajaxUrl || !CFG.trackNonce ) return;
        try {
            var data = new FormData();
            data.append( 'action',    'brum_reward_track' );
            data.append( 'nonce',     CFG.trackNonce );
            data.append( 'variation', variantName || '(padrão)' );
            data.append( 'url',       window.location.href );
            data.append( 'granted',   granted ? '1' : '0' );
            if ( navigator.sendBeacon ) {
                navigator.sendBeacon( CFG.ajaxUrl, data );
            } else {
                fetch( CFG.ajaxUrl, { method: 'POST', body: data, keepalive: true } );
            }
        } catch (e) {}
    }

    function shouldShow () {
        // Gatilho de páginas: só mostra após X páginas visitadas na sessão
        var minPv = CFG.minPageViews || 1;
        if ( _pageViews < minPv ) {
            log( 'aguardando páginas:', _pageViews + '/' + minPv + ' visitadas' );
            return false;
        }
        // Gatilho de intervalo: cooldown entre exibições
        try {
            var last = parseInt( localStorage.getItem( STORAGE_KEY ) || '0', 10 );
            var elapsedMin = ( Date.now() - last ) / 60000;
            var needed = CFG.intervalMinutes || 30;
            var ok = elapsedMin >= needed;
            log( 'intervalo', { decorridos: elapsedMin.toFixed(2)+'min', necessario: needed+'min', pode: ok } );
            return ok;
        } catch (e) { return true; }
    }

    function build ( city ) {
        var gradient = 'linear-gradient(180deg, ' + esc( CFG.primaryColor ) + ' 0%, ' + esc( CFG.secondaryColor ) + ' 100%)';
        var adSlot = ( CFG.adManagerEnabled && CFG.adManagerType === 'display' && CFG.adManagerDivId )
            ? '<div id="' + esc( CFG.adManagerDivId ) + '" class="gr-ad-slot"></div>'
            : '';

        if ( CFG.popupStyle === 'offer' ) {
            return ''
                + '<div class="gr-card gr-card--offer">'
                +   '<button class="gr-close" type="button" aria-label="Fechar">✕</button>'
                +   '<div class="gr-offer-emoji">' + esc( CFG.offerEmoji || '👀' ) + '</div>'
                +   '<h2 class="gr-offer-title">' + esc( CFG.offerTitle ) + '</h2>'
                +   '<p class="gr-offer-desc">' + esc( CFG.message ) + '</p>'
                +   adSlot
                +   '<button class="gr-cta" type="button" style="background:' + gradient + ';">' + esc( CFG.buttonText ) + '</button>'
                +   '<p class="gr-footer">' + esc( CFG.footerLabel ) + '</p>'
                + '</div>';
        }

        // Layout perfil (padrão)
        var location = String( CFG.profileLocation || '' ).replace( '{{CITY}}', city );
        var badge = ( CFG.notificationCount > 0 ) ? '<div class="gr-badge">' + esc( CFG.notificationCount ) + '</div>' : '';
        var online = CFG.online ? '<span class="gr-online"></span>' : '';

        return ''
            + '<div class="gr-card">'
            +   '<div class="gr-header">'
            +     '<span class="gr-header-label">' + esc( CFG.headerLabel ) + '</span>'
            +     '<button class="gr-close" type="button" aria-label="Fechar">✕</button>'
            +   '</div>'
            +   '<div class="gr-profile">'
            +     '<div class="gr-avatar-wrap">'
            +       '<div class="gr-avatar"><img src="' + esc( CFG.profileImage ) + '" alt="" onerror="this.style.opacity=0.3" /></div>'
            +       online
            +     '</div>'
            +     '<div class="gr-info">'
            +       '<p class="gr-name">' + esc( CFG.profileName ) + ' <span class="gr-age">' + esc( CFG.profileAge ) + '</span></p>'
            +       '<p class="gr-loc">📍 ' + esc( location ) + '</p>'
            +       '<p class="gr-time">' + esc( CFG.timeAgo ) + '</p>'
            +     '</div>'
            +     badge
            +   '</div>'
            +   '<div class="gr-bubble">' + esc( CFG.message ) + '</div>'
            +   adSlot
            +   '<button class="gr-cta" type="button" style="background:' + gradient + ';">' + esc( CFG.buttonText ) + '</button>'
            +   '<p class="gr-footer">' + esc( CFG.footerLabel ) + '</p>'
            + '</div>';
    }

    function show () {
        overlay.classList.add( 'gr-visible' );
        overlay.setAttribute( 'aria-hidden', 'false' );
        log( 'pop-up exibido' );
    }
    function hide () {
        overlay.classList.remove( 'gr-visible' );
        overlay.setAttribute( 'aria-hidden', 'true' );
        try { localStorage.setItem( STORAGE_KEY, String( Date.now() ) ); } catch (e) {}
    }

    function init ( force ) {
        if ( ! force && ! shouldShow() ) {
            log( 'pulado pelo intervalo. Use BrumReward.show() ou BrumReward.reset()' );
            return;
        }
        getCity( function ( city ) {
            overlay.innerHTML = build( city );

            // Div do anúncio já está no DOM — chama display() para iniciar o leilão
            // Modo display: chama display() agora que o div existe no DOM
            if ( CFG.adManagerEnabled && CFG.adManagerType === 'display' && CFG.adManagerDivId && window.googletag ) {
                window.googletag.cmd.push( function () {
                    window.googletag.display( CFG.adManagerDivId );
                } );
            }

            var closeBtn = overlay.querySelector( '.gr-close' );
            var ctaBtn   = overlay.querySelector( '.gr-cta' );

            if ( closeBtn ) closeBtn.addEventListener( 'click', hide );
            if ( ctaBtn )   ctaBtn.addEventListener( 'click', function () {
                var _variantName = CFG._activeVariant || '';
                // Modo rewarded: define o slot no momento do clique para evitar
                // conflito com outros scripts rewarded já presentes na página
                if ( CFG.adManagerEnabled && CFG.adManagerType === 'rewarded' && CFG.adManagerSlot ) {
                    var _redirectUrl = CFG.redirectUrl || '';
                    var _granted     = false;
                    var _btnLabel    = CFG.buttonText || 'Continue Reading';

                    ctaBtn.disabled      = true;
                    ctaBtn.style.opacity = '0.7';
                    ctaBtn.textContent   = 'Loading...';

                    var failTimer = setTimeout( function () {
                        // Ad não carregou em 5s: redireciona direto
                        try { localStorage.setItem( STORAGE_KEY, String( Date.now() ) ); } catch (e2) {}
                        if ( _redirectUrl ) { window.location.href = appendUtm( _redirectUrl ); } else { hide(); }
                    }, 5000 );

                    window.googletag = window.googletag || { cmd: [] };
                    window.googletag.cmd.push( function () {
                        var rwSlot = window.googletag.defineOutOfPageSlot(
                            CFG.adManagerSlot,
                            window.googletag.enums.OutOfPageFormat.REWARDED
                        );

                        if ( !rwSlot ) {
                            clearTimeout( failTimer );
                            try { localStorage.setItem( STORAGE_KEY, String( Date.now() ) ); } catch (e2) {}
                            if ( _redirectUrl ) { window.location.href = appendUtm( _redirectUrl ); } else { hide(); }
                            return;
                        }

                        rwSlot.addService( window.googletag.pubads() );

                        window.googletag.pubads().addEventListener( 'rewardedSlotReady', function ( e ) {
                            if ( e.slot !== rwSlot ) return;
                            clearTimeout( failTimer );
                            try { e.makeRewardedVisible(); } catch (err) {}
                        });

                        window.googletag.pubads().addEventListener( 'rewardedSlotGranted', function ( e ) {
                            if ( e.slot !== rwSlot ) return;
                            _granted = true;
                            trackClick( _variantName, true );
                        });

                        window.googletag.pubads().addEventListener( 'rewardedSlotClosed', function ( e ) {
                            if ( e.slot !== rwSlot ) return;
                            try { window.googletag.destroySlots( [rwSlot] ); } catch (err) {}
                            if ( _granted ) {
                                try { localStorage.setItem( STORAGE_KEY, String( Date.now() ) ); } catch (e2) {}
                                if ( _redirectUrl ) { window.location.href = appendUtm( _redirectUrl ); } else { hide(); }
                            } else {
                                // Usuário fechou sem assistir — restaura botão
                                ctaBtn.disabled      = false;
                                ctaBtn.style.opacity = '';
                                ctaBtn.textContent   = _btnLabel;
                            }
                        });

                        if ( !window.googletag.pubadsReady ) { window.googletag.enableServices(); }
                        window.googletag.display( rwSlot );
                    });
                    return;
                }
                // Modo normal: redireciona direto
                trackClick( _variantName, false );
                try { localStorage.setItem( STORAGE_KEY, String( Date.now() ) ); } catch (e) {}
                if ( CFG.redirectUrl ) {
                    window.location.href = appendUtm( CFG.redirectUrl );
                } else {
                    hide();
                }
            });
            overlay.addEventListener( 'click', function ( e ) {
                if ( e.target === overlay ) hide();
            });
            document.addEventListener( 'keydown', function ( e ) {
                if ( e.key === 'Escape' && overlay.classList.contains( 'gr-visible' ) ) hide();
            });

            var delay = ( CFG.delaySeconds || 0 ) * 1000;
            setTimeout( show, delay );
        });
    }

    window.BrumReward = {
        show:  function () { init( true ); },
        reset: function () {
            try {
                localStorage.removeItem( STORAGE_KEY );
                sessionStorage.removeItem( CITY_KEY );
                log( 'storage limpo. Recarregue a página.' );
            } catch (e) {}
        },
        config: CFG
    };

    init( false );
})();
</script>
<!-- /Brum Reward -->
