[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/debetni-vs-kreditni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/debetni-vs-kreditni-karta\/","headline":"Debetn\u00ed vs kreditn\u00ed karta","name":"Debetn\u00ed vs kreditn\u00ed karta","description":"Kdy\u017e se v\u00e1s dneska n\u011bkdo zept\u00e1, jestli m\u00e1te kreditn\u00ed kartu, pod\u00edv\u00e1te se na n\u011bho samoz\u0159ejm\u00fdm pohledem a odpov\u00edte, \u017ee ano. V&nbsp;dne\u0161n\u00ed dob\u011b m\u00e1 snad ka\u017ed\u00fd \u010dlov\u011bk n\u011bjakou kartu, nem\u00e1-li debetn\u00edch karet nebo podobn\u00fdch platebn\u00edch karet je\u0161t\u011b hned n\u011bkolik dal\u0161\u00edch. V&nbsp;minulosti bylo nep\u0159edstaviteln\u00e9 vlastnit kartu a m\u00edt bankovn\u00ed \u00fa\u010det, ale b\u011bhem p\u00e1r let se tyto slu\u017eby &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/debetni-vs-kreditni-karta\/\"> <span class=\"screen-reader-text\">Debetn\u00ed vs kreditn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-15","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\/debetni-vs-kreditni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":499,"articleBody":"Kdy\u017e se v\u00e1s dneska n\u011bkdo zept\u00e1, jestli m\u00e1te kreditn\u00ed kartu, pod\u00edv\u00e1te se na n\u011bho samoz\u0159ejm\u00fdm pohledem a odpov\u00edte, \u017ee ano. V&nbsp;dne\u0161n\u00ed dob\u011b m\u00e1 snad ka\u017ed\u00fd \u010dlov\u011bk n\u011bjakou kartu, nem\u00e1-li debetn\u00edch karet nebo podobn\u00fdch platebn\u00edch karet je\u0161t\u011b hned n\u011bkolik dal\u0161\u00edch. V&nbsp;minulosti bylo nep\u0159edstaviteln\u00e9 vlastnit kartu a m\u00edt bankovn\u00ed \u00fa\u010det, ale b\u011bhem p\u00e1r let se tyto slu\u017eby staly naprostou samoz\u0159ejmost\u00ed. V&nbsp;historii by se na v\u00e1s lid\u00e9 d\u00edvali nev\u011b\u0159\u00edcn\u00fdm pohledem, co \u017ee to vlastn\u011b vlastn\u00edte? Bylo nep\u0159edstaviteln\u00e9 m\u00edt kartu. Ka\u017ed\u00fd si \u0159\u00edkal, co s&nbsp;n\u00ed asi tak budu d\u011blat? Na co kartu? Ale platebn\u00ed mo\u017enosti se velice rychle roz\u0161\u00ed\u0159ily, nastal zvrat a boom internetu, kde u\u017e nyn\u00ed m\u016f\u017eeme platit tak\u00e9 kartami, co\u017e se st\u00e1v\u00e1 jako slu\u017eba \u010d\u00edm d\u00e1l t\u00edm obl\u00edben\u011bj\u0161\u00ed a lid\u00e9 se nemus\u00ed strachovat ani o hotovost v&nbsp;pen\u011b\u017eence, kv\u016fli kr\u00e1de\u017ei. Z\u0159ejm\u011b v\u00e1s ani nep\u0159ekvap\u00ed, \u017ee prvn\u00ed podobn\u00fd syst\u00e9m placen\u00ed se vyvinul v&nbsp;Americe. Za jak\u00e9hosi p\u0159edch\u016fdce platebn\u00edch kreditn\u00edch karet se pova\u017euj\u00ed \u00fav\u011brov\u00e9 zn\u00e1mky, kter\u00e9 fungovaly v&nbsp;19. stolet\u00ed, zejm\u00e9na v&nbsp;70 letech.\tJak\u00fd je v&nbsp;nich rozd\u00edl?Kreditn\u00ed karta je \u010dast\u011bj\u0161\u00ed a b\u011b\u017en\u011b pou\u017e\u00edvan\u00fd n\u00e1zev, jenom\u017ee zrovna kreditn\u00ed karta je spojena s&nbsp;revolvingov\u00fdm \u00fav\u011brem, tedy s&nbsp;\u00fav\u011brem pro podnikatele, kte\u0159\u00ed z&nbsp;n\u011bj opakovan\u011b pou\u017e\u00edvaj\u00ed pen\u00edze a\u017e do \u010d\u00e1stky, na kterou je \u00fav\u011br p\u0159edem schv\u00e1len.Naproti tomu m\u00e9n\u011b zn\u00e1m\u00fd a m\u00e9n\u011b pou\u017e\u00edvan\u00fd n\u00e1zev debetn\u00ed karta, je vlastn\u011b ta, kterou v\u011bt\u0161ina lid\u00ed vlastn\u00ed a je spojena s&nbsp;jejich b\u011b\u017en\u00fdm \u00fa\u010dtem. Na ten v\u00e1m chod\u00ed pen\u00edze z&nbsp;v\u00fdplaty a odtud sv\u00e9 pen\u00edze \u010derp\u00e1te, plat\u00edte b\u011b\u017en\u00e9 v\u00fddaje, hrad\u00edte platby na internetu nebo nakupujete zbo\u017e\u00ed \u010di plat\u00edte slu\u017eby kdekoliv v&nbsp;obchodech.Tak\u017ee rozd\u00edl v&nbsp;t\u011bchto n\u00e1zvech, pota\u017emo opravdov\u00fdch kart\u00e1ch, ur\u010dit\u011b najdete. Debetn\u00ed je b\u011b\u017en\u00e1 platebn\u00ed karta, kter\u00e1 je spojen\u00e1 s&nbsp;va\u0161\u00edm bankovn\u00edm \u00fa\u010dtem a se kterou m\u016f\u017eete platit v&nbsp;obchodech, na internetu a kam v\u00e1m chod\u00ed pen\u00edze z&nbsp;v\u00fdplaty. Naproti tomu sice zn\u00e1m\u011bj\u0161\u00ed n\u00e1zev, le\u010d \u010dasto pou\u017e\u00edvan\u00fd pr\u00e1v\u011b v&nbsp;souvislosti s&nbsp;r\u016fzn\u00fdmi platebn\u00edmi kartami je kreditn\u00ed karta, kter\u00e1 je sice platebn\u00ed kartou, ale pouze u revolvingov\u00e9ho \u00fav\u011bru, tedy u kr\u00e1tkodob\u00e9ho \u00fav\u011bru, kter\u00fd si mohou sjednat podnikatel\u00e9 (na placen\u00ed ob\u011b\u017en\u00e9ho majetku), kde \u010derpaj\u00ed opakovan\u011b pen\u00edze a\u017e do v\u00fd\u0161e p\u0159edem schv\u00e1len\u00e9ho limitu \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                                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