[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-kreditni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-kreditni-karta\/","headline":"Co je kreditn\u00ed karta","name":"Co je kreditn\u00ed karta","description":"Dok\u00e1\u017eete si ale pod t\u00edmto pojmem p\u0159edstavit opravdu konkr\u00e9tn\u00ed kartu se v\u0161emi jej\u00edmi vlastnostmi a v\u00edte, co vlastn\u011b tato slova doopravdy znamenaj\u00ed? Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, \u017ee se p\u0159ece jedn\u00e1 o klasickou platebn\u00ed kartu, kterou m\u00e1te v&nbsp;pen\u011b\u017eence a se kterou hrad\u00edte b\u011b\u017en\u00e9 platby, je spojen\u00e1 s&nbsp;va\u0161\u00edm b\u011b\u017en\u00fdm \u00fa\u010dtem, na kter\u00fd v\u00e1m chod\u00ed ka\u017ed\u00fd m\u011bs\u00edc v\u00fdplata a &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-kreditni-karta\/\"> <span class=\"screen-reader-text\">Co je kreditn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-02","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/co-je-kreditni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":429,"articleBody":"Dok\u00e1\u017eete si ale pod t\u00edmto pojmem p\u0159edstavit opravdu konkr\u00e9tn\u00ed kartu se v\u0161emi jej\u00edmi vlastnostmi a v\u00edte, co vlastn\u011b tato slova doopravdy znamenaj\u00ed? Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, \u017ee se p\u0159ece jedn\u00e1 o klasickou platebn\u00ed kartu, kterou m\u00e1te v&nbsp;pen\u011b\u017eence a se kterou hrad\u00edte b\u011b\u017en\u00e9 platby, je spojen\u00e1 s&nbsp;va\u0161\u00edm b\u011b\u017en\u00fdm \u00fa\u010dtem, na kter\u00fd v\u00e1m chod\u00ed ka\u017ed\u00fd m\u011bs\u00edc v\u00fdplata a ze kter\u00e9ho \u010derp\u00e1te tyto pen\u00edze. Jenom\u017ee kreditn\u00ed karta je n\u011bco jin\u00e9ho. Ta, o kter\u00e9 jsme te\u010f mluvili, \u010dasto naz\u00fdv\u00e1na v&nbsp;uvozovk\u00e1ch jako b\u011b\u017en\u00e1 karta, se naz\u00fdv\u00e1 debetn\u00ed. Za kreditn\u00ed kartu se nespr\u00e1vn\u011b ozna\u010duj\u00ed r\u016fzn\u00e9 typy platebn\u00edch a bankovn\u00edch karet.\tPravda a skute\u010dnostLid\u00e9 jsou zkr\u00e1tka zvykl\u00ed ozna\u010dovat za kreditn\u00ed kartu v\u0161echny karty, kter\u00e9 vlastn\u00ed nebo se kter\u00fdmi p\u0159ijdou do styku. Tento n\u00e1zev se toti\u017e stal nej\u010dast\u011bji pou\u017e\u00edvan\u00fdm. Nyn\u00ed si ale \u0159ekneme, co tedy skute\u010dn\u011b kreditn\u00ed karta znamen\u00e1. Kreditn\u00ed karta je sice platebn\u00ed kartou, v&nbsp;tomto ohledu byste m\u011bli pravdu, ale je spojen\u00e1 s&nbsp;revolvingov\u00fdm \u00fav\u011brem. Te\u010f nast\u00e1v\u00e1 dal\u0161\u00ed ot\u00e1zka. Co je to revolvingov\u00fd \u00fav\u011br? Za revolvingov\u00fd \u00fav\u011br se ozna\u010duje typ kr\u00e1tkodob\u00e9ho \u00fav\u011bru, ze kter\u00e9ho klient postupn\u011b spot\u0159ebov\u00e1v\u00e1 pen\u00edze. Klient tedy m\u016f\u017ee pravideln\u011b z&nbsp;\u00fav\u011bru \u010derpat a\u017e do v\u00fd\u0161e jeho limitu. \u00dav\u011br je p\u0159edem nastaven na n\u011bjakou konkr\u00e9tn\u00ed \u010d\u00e1stku a a\u017e do t\u00e9to v\u00fd\u0161e m\u016f\u017ee klient z&nbsp;\u00fav\u011bru opakovan\u011b \u010derpat finan\u010dn\u00ed prost\u0159edky. Klient \u00fav\u011br spl\u00e1c\u00ed postupn\u011b. Pen\u00edze jsou ur\u010den\u00e9 na financov\u00e1n\u00ed jak\u00fdchkoliv pot\u0159eb. Revolvingov\u00fd \u00fav\u011br si mohou z\u0159izovat i lid\u00e9, kte\u0159\u00ed maj\u00ed \u017eivnostensk\u00fd list nebo vlastn\u00ed firmu. Kreditn\u00ed kartou se \u010derpaj\u00ed finan\u010dn\u00ed prost\u0159edky z&nbsp;\u00fav\u011bru. Proto tato karta nen\u00ed tak b\u011b\u017en\u00e1 v&nbsp;na\u0161em sv\u011bt\u011b, by\u0165 se t\u011bmito slovy \u010dasto ozna\u010duj\u00ed r\u016fzn\u00e9 druhy karet. Nyn\u00ed jsme si v\u0161ak \u0159ekli, co p\u0159esn\u011b tato slova znamenaj\u00ed, tak\u017ee kreditn\u00ed karta je platebn\u00ed kartou, kter\u00e1 je spojen\u00e1 s&nbsp;revolvingov\u00fdm \u00fav\u011brem, tedy s&nbsp;\u00fav\u011brem, kter\u00fd nen\u00ed v\u00e1z\u00e1n na b\u011b\u017en\u00fd \u00fa\u010det. Klienti \u00fav\u011br spl\u00e1c\u00ed a mohou opakovan\u011b vyb\u00edrat pen\u00edze. Jedn\u00e1 se o typ kr\u00e1tkodob\u00e9ho bankovn\u00edho \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je kreditn\u00ed karta","item":"https:\/\/www.zerba.cz\/co-je-kreditni-karta\/#breadcrumbitem"}]}]