[{"@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\u00a0dne\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\u00a0minulosti 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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384289_16x9_20260816_224343_fxSyXV.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384289_16x9_20260816_224343_fxSyXV.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/debetni-vs-kreditni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":478,"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\u00a0dne\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\u00a0minulosti 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\u00a0historii 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\u00a0n\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\u00a0pen\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\u00a0Americe. Za jak\u00e9hosi p\u0159edch\u016fdce platebn\u00edch kreditn\u00edch karet se pova\u017euj\u00ed \u00fav\u011brov\u00e9 zn\u00e1mky, kter\u00e9 fungovaly v\u00a019. stolet\u00ed, zejm\u00e9na v\u00a070 letech.\tJak\u00fd je v\u00a0nich 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\u00a0revolvingov\u00fdm \u00fav\u011brem, tedy s\u00a0\u00fav\u011brem pro podnikatele, kte\u0159\u00ed z\u00a0n\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\u00a0jejich b\u011b\u017en\u00fdm \u00fa\u010dtem. Na ten v\u00e1m chod\u00ed pen\u00edze z\u00a0v\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\u00a0obchodech.Tak\u017ee rozd\u00edl v\u00a0t\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\u00a0va\u0161\u00edm bankovn\u00edm \u00fa\u010dtem a se kterou m\u016f\u017eete platit v\u00a0obchodech, na internetu a kam v\u00e1m chod\u00ed pen\u00edze z\u00a0v\u00fdplaty. Naproti tomu sice zn\u00e1m\u011bj\u0161\u00ed n\u00e1zev, le\u010d \u010dasto pou\u017e\u00edvan\u00fd pr\u00e1v\u011b v\u00a0souvislosti s\u00a0r\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.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Debetn\u00ed vs kreditn\u00ed karta","item":"https:\/\/www.zerba.cz\/debetni-vs-kreditni-karta\/#breadcrumbitem"}]}]