[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-funguje-kreditni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-funguje-kreditni-karta\/","headline":"Jak funguje kreditn\u00ed karta","name":"Jak funguje kreditn\u00ed karta","description":"Kreditn\u00edch karet je v \u010cesk\u00e9 republice mezi lidmi v\u00edce jak dva miliony, i p\u0159esto se v\u0161ak st\u00e1le st\u00e1v\u00e1, \u017ee si kreditn\u00ed a zejm\u00e9na platebn\u00ed kartu pleteme, proto\u017ee ka\u017ed\u00e9 kart\u011b, kterou vid\u00edme, \u0159\u00edk\u00e1me kreditn\u00ed karta. Jenom\u017ee toto ozna\u010den\u00ed n\u00e1le\u017e\u00ed pouze jedn\u00e9 z nich. Kreditn\u00ed karta m\u016f\u017ee b\u00fdt Visa, MasterCard, American Express a Diners Club. Je spojen\u00e1 s revolvingov\u00fdm \u00fav\u011brem. …

Jak funguje kreditn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2020-08-07","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\/jak-funguje-kreditni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":522,"articleBody":"Kreditn\u00edch karet je v \u010cesk\u00e9 republice mezi lidmi v\u00edce jak dva miliony, i p\u0159esto se v\u0161ak st\u00e1le st\u00e1v\u00e1, \u017ee si kreditn\u00ed a zejm\u00e9na platebn\u00ed kartu pleteme, proto\u017ee ka\u017ed\u00e9 kart\u011b, kterou vid\u00edme, \u0159\u00edk\u00e1me kreditn\u00ed karta. Jenom\u017ee toto ozna\u010den\u00ed n\u00e1le\u017e\u00ed pouze jedn\u00e9 z nich.Kreditn\u00ed karta m\u016f\u017ee b\u00fdt Visa, MasterCard, American Express a Diners Club. Je spojen\u00e1 s revolvingov\u00fdm \u00fav\u011brem. Slou\u017e\u00ed tedy k \u010derp\u00e1n\u00ed p\u016fj\u010dky. Na kreditn\u00ed kart\u011b tedy nem\u00e1te vlastn\u00ed pen\u00edze, ale \u010derp\u00e1te takzvan\u011b p\u016fj\u010dku. Tak\u017ee m\u016f\u017eete postupn\u011b spl\u00e1cet a \u010derpat pen\u00edze. Jak m\u016f\u017eete tuto kartu d\u00e1le vyu\u017e\u00edvat?\tCo v\u0161echno dne\u0161n\u00ed spole\u010dnosti v r\u00e1mci kreditn\u00edch karet nab\u00edz\u00ed?Kreditn\u00ed karta m\u00e1 v sou\u010dasnosti spoustu dal\u0161\u00edch vlastnost\u00ed, kter\u00e9 m\u016f\u017ee b\u011b\u017en\u00fd \u010dlov\u011bk vyu\u017e\u00edt. Je spojen\u00e1 s r\u016fzn\u00fdmi bonusy. N\u011bkter\u00e9 z nich nejsou nijak v\u00fdznamn\u00e9, ale u n\u011bkter\u00fdch spole\u010dnost\u00ed se m\u016f\u017eete setkat s v\u00fdhodn\u00fdmi nab\u00eddkami.V re\u00e1ln\u00e9m \u017eivot\u011b m\u016f\u017eete s kreditn\u00ed kartou platit u n\u00e1s i v zahrani\u010d\u00ed. Je mo\u017en\u00e9 s n\u00ed nakupovat po internetu. Prov\u00e1d\u011bt platebn\u00ed p\u0159\u00edkazy pomoc\u00ed bankomatu. Vyb\u00edrat z bankomat\u016f. M\u016f\u017eete tak\u00e9 z\u00edskat slevy u konkr\u00e9tn\u00edch vybran\u00fdch partner\u016f, kde s kreditn\u00ed kartou budete platit. U vybran\u00fdch prodejc\u016f, kte\u0159\u00ed podporuj\u00ed placen\u00ed Cashback, m\u016f\u017eete z\u00edskat p\u00e1r procent zp\u011bt z utracen\u00fdch pen\u011bz.Banka v\u00e1m poskytuje p\u016fj\u010dku. Jedn\u00e1 se o revolvingov\u00fd \u00fav\u011br, kter\u00fd mus\u00edte splatit. Pokud splat\u00edte dlu\u017enou \u010d\u00e1stku v ur\u010dit\u00e9m obdob\u00ed a stihnete to do 45 nebo 55 dn\u00ed, pak neplat\u00edte \u00farok. Tato doba se pova\u017euje za takzvan\u00e9 bez\u00faro\u010dn\u00e9 obdob\u00ed. Ka\u017ed\u00e1 banka \u010di jin\u00e1 spole\u010dnost to m\u016f\u017ee m\u00edt nastaven\u00e9 jinak, tak\u017ee je pot\u0159eba si tuto dobu pohl\u00eddat. Pokud v\u0161ak pen\u00edze do t\u00e9 doby vr\u00e1t\u00edte, neplat\u00edte \u00faroky. Ov\u0161em nevyhnete se nap\u0159\u00edklad poplatku za veden\u00ed karty. B\u00fdv\u00e1 to kolem 50 korun m\u011bs\u00ed\u010dn\u011b. N\u011bkter\u00e9 spole\u010dnosti i v tomto ohledu vych\u00e1z\u00ed klient\u016fm vst\u0159\u00edc a tento poplatek jim ne\u00fa\u010dtuj\u00ed, pokud nap\u0159\u00edklad utrat\u00edte s kreditn\u00ed kartou p\u00e1r tis\u00edc za m\u011bs\u00edc. V obchodech m\u016f\u017eete m\u00edt na kreditn\u00ed kartu ur\u010dit\u00e9 slevy. Vyu\u017eit\u00ed Cashbacku nemus\u00ed prob\u00edhat v\u017edy na z\u00e1klad\u011b procent vr\u00e1cen\u00fdch v pen\u011bz\u00edch zp\u00e1tky na \u00fa\u010det, ale m\u016f\u017ee se jednat o p\u0159ev\u00e1d\u011bn\u00ed pen\u011bz na body, za kter\u00e9 v\u00e1m n\u00e1sledn\u011b banka \u010di jin\u00e1 finan\u010dn\u00ed spole\u010dnost poskytne n\u011bjak\u00e9 zbo\u017e\u00ed. M\u016f\u017eeme mluvit o jak\u00e9msi druhu v\u011brnostn\u00edch program\u016f. Samoz\u0159ejm\u011b s p\u0159ihl\u00e9dnut\u00edm na konkr\u00e9tn\u00ed spole\u010dnost, u kter\u00e9 si kreditku z\u0159\u00edd\u00edte. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak funguje kreditn\u00ed karta","item":"https:\/\/www.zerba.cz\/jak-funguje-kreditni-karta\/#breadcrumbitem"}]}]