[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kreditni-a-debetni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kreditni-a-debetni-karta\/","headline":"Kreditn\u00ed a debetn\u00ed karta","name":"Kreditn\u00ed a debetn\u00ed karta","description":"M\u00e1te tak\u00e9 plnou pen\u011b\u017eenku r\u016fzn\u00fdch karet? Karta sem, karta tam, v\u0161ude kam se pod\u00edv\u00e1m. Nej\u010dast\u011bji jde o dopl\u0148kov\u00e9 karty. Ty jsou vystaven\u00e9 od ur\u010dit\u00e9 spole\u010dnosti a b\u011b\u017en\u011b se s&nbsp;nimi setk\u00e1v\u00e1me kdekoliv, kdy\u017e jdeme nakupovat. Jsou to karty, se kter\u00fdmi sb\u00edr\u00e1me r\u016fzn\u00e9 bonusy a slevy u obchodn\u00edk\u016f. Karet tedy existuje hned n\u011bkolik r\u016fzn\u00fdch druh\u016f. My si &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kreditni-a-debetni-karta\/\"> <span class=\"screen-reader-text\">Kreditn\u00ed a debetn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-12","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\/kreditni-a-debetni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":456,"articleBody":"M\u00e1te tak\u00e9 plnou pen\u011b\u017eenku r\u016fzn\u00fdch karet? Karta sem, karta tam, v\u0161ude kam se pod\u00edv\u00e1m. Nej\u010dast\u011bji jde o dopl\u0148kov\u00e9 karty. Ty jsou vystaven\u00e9 od ur\u010dit\u00e9 spole\u010dnosti a b\u011b\u017en\u011b se s&nbsp;nimi setk\u00e1v\u00e1me kdekoliv, kdy\u017e jdeme nakupovat. Jsou to karty, se kter\u00fdmi sb\u00edr\u00e1me r\u016fzn\u00e9 bonusy a slevy u obchodn\u00edk\u016f. Karet tedy existuje hned n\u011bkolik r\u016fzn\u00fdch druh\u016f. My si nyn\u00ed sd\u011bl\u00edme, jak\u00fd je z\u00e1kladn\u00ed rozd\u00edl kreditn\u00ed a debetn\u00ed karty. Velk\u00e1 \u010d\u00e1st populace si mysl\u00ed, \u017ee pr\u00e1v\u011b kreditn\u00ed karta je ta, kterou b\u011b\u017en\u011b nos\u00edme v&nbsp;pen\u011b\u017eence. My\u0161lenka, \u017ee pr\u00e1v\u011b s&nbsp;n\u00ed plat\u00edme v&nbsp;obchodech, se ukotvila v&nbsp;hlav\u00e1ch mnoh\u00fdch z&nbsp;n\u00e1s. Mnoho lid\u00ed si tedy mysl\u00ed, \u017ee pr\u00e1v\u011b s&nbsp;kreditkou plat\u00edme b\u011b\u017en\u011b v obchodech nebo nakupujeme na internetu. Jenom\u017ee tato karta se pr\u00e1v\u011b naz\u00fdv\u00e1 debetn\u00ed. Takzvan\u00e1 kreditka je toti\u017e spojen\u00e1 s&nbsp;revolvingov\u00fdm \u00fav\u011brem, tedy s&nbsp;trochou jinou metodou placen\u00ed. Debetn\u00ed a kreditn\u00ed karty se pom\u011brn\u011b snadno zam\u011b\u0148uj\u00ed. Debetn\u00ed karta je spojen\u00e1 s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem a dostanete ji v\u011bt\u0161inou v&nbsp;bance jako p\u0159idru\u017eenou kartu k&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu, se kterou m\u016f\u017eete platit v&nbsp;obchodech a na internetu. Naproti tomu kreditn\u00ed karty se pou\u017e\u00edvaj\u00ed v&nbsp;r\u00e1mci revolvingov\u00fdch \u00fav\u011br\u016f. \u010cili je z\u00edsk\u00e1te a\u017e po tom, co si sjedn\u00e1te \u00fav\u011br u n\u011bjak\u00e9 spole\u010dnosti. Ta v\u00e1m vystav\u00ed kreditku, se kterou plat\u00edte, ale nem\u00e1te na ni vlastn\u00ed pen\u00edze, tak\u017ee pou\u017e\u00edv\u00e1te pen\u00edze z&nbsp;banky, proto se jedn\u00e1 o \u00fav\u011br, proto\u017ee plat\u00edte s&nbsp;vyp\u016fj\u010den\u00fdmi pen\u011bzi. Plat\u00edte cokoliv, co pot\u0159ebujete a n\u00e1sledn\u011b na kreditn\u00ed kartu p\u0159epo\u0161lete pen\u00edze a \u00fav\u011br t\u00edm splat\u00edte.\tHlavn\u00ed rozd\u00edlyPojem kreditn\u00ed debetn\u00ed karta je pom\u011brn\u011b zav\u00e1d\u011bj\u00edc\u00ed, stejn\u011b tak jako debetn\u00ed kreditn\u00ed karta. Ani jedno, ani druh\u00e9 p\u0159eci nem\u016f\u017ee b\u00fdt s&nbsp;t\u00edm druh\u00fdm spojen\u00e9. Ji\u017e jsme si vysv\u011btlili z\u00e1kladn\u00ed rozd\u00edl, tak\u017ee budeme kdykoliv v&nbsp;obraze, kdy\u017e n\u00e1m n\u011bkdo \u0159ekne, \u017ee vlastn\u00ed kreditku, nebo kdy\u017e \u0159ekne, \u017ee m\u00e1 b\u011b\u017enou debetn\u00ed kartu. Nebankovn\u00ed kreditn\u00ed karty jsou takt\u00e9\u017e spojen\u00e9 s&nbsp;\u00fav\u011bry. Za platebn\u00ed kartu m\u016f\u017eeme pova\u017eovat jakoukoliv b\u011b\u017enou kartu, se kterou se d\u00e1 platit. Tento pojem je toti\u017e trochu obecn\u011bj\u0161\u00ed, ne\u017e v&nbsp;p\u0159\u00edpad\u011b kreditn\u00ed a debetn\u00ed karty.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00ed a debetn\u00ed karta","item":"https:\/\/www.zerba.cz\/kreditni-a-debetni-karta\/#breadcrumbitem"}]}]