[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-to-kreditni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-to-kreditni-karta\/","headline":"Co je to kreditn\u00ed karta","name":"Co je to kreditn\u00ed karta","description":"Kreditn\u00ed karta, obvykl\u00e9 ozna\u010den\u00ed v\u0161ech karet, kter\u00e9 b\u011b\u017en\u011b v\u00edd\u00e1me a se kter\u00fdmi b\u011b\u017en\u011b p\u0159ich\u00e1z\u00edme do styku. Jenom\u017ee nen\u00ed karta jako karta a obzvl\u00e1\u0161t\u011b to plat\u00ed v&nbsp;p\u0159\u00edpad\u011b t\u00e9 platebn\u00ed a kreditn\u00ed. Mo\u017en\u00e1 se budete divit, ale zrovna kreditn\u00ed karta vlastn\u011b v\u016fbec nen\u00ed ta, za kterou ji \u010dasto pova\u017eujeme. Mnohdy \u0159\u00edk\u00e1me, \u017ee kreditn\u00ed kartu m\u00e1me, ani\u017e bychom &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-to-kreditni-karta\/\"> <span class=\"screen-reader-text\">Co je to kreditn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-16","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-to-kreditni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":429,"articleBody":"Kreditn\u00ed karta, obvykl\u00e9 ozna\u010den\u00ed v\u0161ech karet, kter\u00e9 b\u011b\u017en\u011b v\u00edd\u00e1me a se kter\u00fdmi b\u011b\u017en\u011b p\u0159ich\u00e1z\u00edme do styku. Jenom\u017ee nen\u00ed karta jako karta a obzvl\u00e1\u0161t\u011b to plat\u00ed v&nbsp;p\u0159\u00edpad\u011b t\u00e9 platebn\u00ed a kreditn\u00ed. Mo\u017en\u00e1 se budete divit, ale zrovna kreditn\u00ed karta vlastn\u011b v\u016fbec nen\u00ed ta, za kterou ji \u010dasto pova\u017eujeme. Mnohdy \u0159\u00edk\u00e1me, \u017ee kreditn\u00ed kartu m\u00e1me, ani\u017e bychom vlastn\u011b tu\u0161ili, co tato slova skute\u010dn\u011b znamenaj\u00ed. Kreditn\u00ed karta je toti\u017e spojena s&nbsp;revolvingov\u00fdm \u00fav\u011brem. Tedy s&nbsp;\u00fav\u011brem, kter\u00fd si m\u016f\u017eete kr\u00e1tkodob\u011b vz\u00edt od banky nebo nebankovn\u00ed spole\u010dnosti a se kter\u00fdm m\u016f\u017eete hradit sv\u00e9 z\u00e1vazky. Tento typ \u00fav\u011bru v\u0161ak v\u011bt\u0161inou vyu\u017e\u00edv\u00e1n\u00ed podnikatel\u00e9, na hrazen\u00ed plateb, ale tak\u00e9 na koupi ob\u011b\u017en\u00e9ho majetku nebo z\u00e1sob. Jakmile jim odb\u011bratel\u00e9 zaplat\u00ed, splat\u00ed n\u00e1sledn\u011b sv\u016fj \u00fav\u011br. Revolvingov\u00fd \u00fav\u011br nav\u00edc m\u016f\u017eete \u010derpat n\u011bkolikr\u00e1t, a to postupn\u011b po men\u0161\u00edch \u010d\u00e1stk\u00e1ch a\u017e do v\u00fd\u0161e, na kterou je \u00fav\u011br sjedn\u00e1n. Spl\u00e1c\u00ed se n\u00e1sledn\u011b postupn\u011b.\tNedejte na prvn\u00ed dojemU kreditn\u00ed karty tedy ned\u00e1vejte na prvn\u00ed dojem. Mnoho lid\u00ed si st\u00e1le mysl\u00ed, \u017ee je to ta karta, kterou nos\u00edme v&nbsp;pen\u011b\u017eence nebo v&nbsp;dokladech, ale opak je pravdou. B\u011b\u017en\u00e1 karta, kter\u00e1 je spojen\u00e1 s&nbsp;bankovn\u00edm \u00fa\u010dtem a se kterou plat\u00edme u obchodn\u00edk\u016f, nakupujeme ve st\u00e1nc\u00edch \u010di plat\u00edme zbo\u017e\u00ed na internetu, se naz\u00fdv\u00e1 debetn\u00ed. To je tak pro zaj\u00edmavost, proto\u017ee to je dal\u0161\u00ed n\u00e1zev, se kter\u00fdm se m\u016f\u017eete ve sv\u011bt\u011b financ\u00ed setkat.Pen\u00edze z&nbsp;revolvingov\u00e9ho \u00fav\u011bru se tedy \u010derpaj\u00ed pomoc\u00ed kreditn\u00ed karty. \u00dav\u011br lze z\u0159\u00eddit bez pom\u011brn\u011b dlouh\u00e9 administrativy jinak \u0159e\u010deno jednodu\u0161e a vyu\u017e\u00edvat opakovan\u011b. M\u016f\u017eete jej spl\u00e1cet, a je\u0161t\u011b \u010d\u00e1st financ\u00ed odeb\u00edrat a\u017e do v\u00fd\u0161e \u00fav\u011bru.P\u00e1r zaj\u00edmavost\u00ed:Kreditn\u00ed karty vyd\u00e1vaj\u00ed p\u0159edev\u0161\u00edm banky.Mohou n\u00e9st ozna\u010den\u00ed Visa, MasterCard, American Express a Diners Club.Spole\u010dnosti funguj\u00ed po cel\u00e9m sv\u011bt\u011b.O jej\u00edm vyd\u00e1n\u00ed tedy rozhoduje banka nebo jin\u00e1 finan\u010dn\u00ed instituce.Jakmile se karta vyrob\u00ed a p\u0159ed\u00e1 majiteli, bude v\u00e1m sd\u011blen PIN k\u00f3d. Ten slou\u017e\u00ed k&nbsp;ov\u011b\u0159en\u00ed va\u0161\u00ed toto\u017enosti a budete se s&nbsp;n\u00edm i nad\u00e1le setk\u00e1vat.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to kreditn\u00ed karta","item":"https:\/\/www.zerba.cz\/co-je-to-kreditni-karta\/#breadcrumbitem"}]}]