[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kreditni-karta-vs-debetni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kreditni-karta-vs-debetni\/","headline":"Kreditn\u00ed karta vs debetn\u00ed","name":"Kreditn\u00ed karta vs debetn\u00ed","description":"Kreditn\u00ed a debetn\u00ed. Sly\u0161eli jste tyto n\u00e1zvy? V\u00edte, \u017ee jsou spojen\u00e9 s&nbsp;kartami a placen\u00edm? Jak ale p\u0159esn\u011b funguje jedna a jak druh\u00e1? Pokud si nejste jist\u00ed, \u0159ekneme si, jak funguje kreditn\u00ed karta a jak\u00e9 m\u00e1 vlastnosti a co vlastn\u011b znamen\u00e1, a to sam\u00e9 plat\u00ed i v&nbsp;p\u0159\u00edpad\u011b debetn\u00ed karty. \u0158ekneme si tedy n\u011bco hned o t\u00e9 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kreditni-karta-vs-debetni\/\"> <span class=\"screen-reader-text\">Kreditn\u00ed karta vs debetn\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-24","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-karta-vs-debetni\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":476,"articleBody":"Kreditn\u00ed a debetn\u00ed. Sly\u0161eli jste tyto n\u00e1zvy? V\u00edte, \u017ee jsou spojen\u00e9 s&nbsp;kartami a placen\u00edm? Jak ale p\u0159esn\u011b funguje jedna a jak druh\u00e1? Pokud si nejste jist\u00ed, \u0159ekneme si, jak funguje kreditn\u00ed karta a jak\u00e9 m\u00e1 vlastnosti a co vlastn\u011b znamen\u00e1, a to sam\u00e9 plat\u00ed i v&nbsp;p\u0159\u00edpad\u011b debetn\u00ed karty.\u0158ekneme si tedy n\u011bco hned o t\u00e9 prvn\u00ed z&nbsp;nich. Zm\u00ednili jsme kartu kreditn\u00ed. Kreditn\u00ed kartu z\u00edsk\u00e1te ve spojitosti s&nbsp;revolvingov\u00fdm \u00fav\u011brem. Jakmile s&nbsp;n\u00ed v&nbsp;obchod\u011b plat\u00edte, \u010derp\u00e1te pen\u00edze vlastn\u011b prost\u0159ednictv\u00edm \u00fav\u011bru. Ten n\u00e1sledn\u011b po ur\u010dit\u00e9m obdob\u00ed mus\u00edte splatit. Lze jej splatit je\u0161t\u011b p\u0159edt\u00edm, ne\u017e plat\u00edte \u00faroky, tak\u017ee m\u016f\u017eete \u010derpat pen\u00edze, splatit tento \u00fav\u011br a nemus\u00ed v\u00e1m nasko\u010dit \u00faroky. To je ov\u0161em pot\u0159eba si pohl\u00eddat, proto\u017ee ka\u017ed\u00e1 banka to m\u016f\u017ee m\u00edt nastaven\u00e9 jinak. Kreditn\u00ed karta se tak\u00e9 vystavuje pro lidi, kte\u0159\u00ed maj\u00ed dobrou platebn\u00ed bilanci \u010dili jsou solventn\u00ed a sv\u00e9 z\u00e1vazky si pln\u00ed. M\u016f\u017ee se jednat o dvojn\u00e1sobek a\u017e trojn\u00e1sobek m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. Na kreditn\u00ed kart\u011b tedy nem\u00e1te \u017e\u00e1dn\u00e9 sv\u00e9 vlastn\u00ed pen\u00edze, ale \u010derp\u00e1te jak\u00fdsi druh p\u016fj\u010dky &ndash; revolvingov\u00e9ho \u00fav\u011bru, a n\u00e1sledn\u011b jej mus\u00edte splatit. S&nbsp;kreditn\u00ed kartou jsou spojen\u00e9 tak\u00e9 r\u016fzn\u00e9 bonusy a slevy, proto\u017ee se v\u011bt\u0161inou &bdquo;kreditka&ldquo;, vystavuje v&nbsp;r\u00e1mci n\u011bjak\u00e9 spole\u010dnosti nebo firmy, nap\u0159\u00edklad \u010derpac\u00ed stanice nebo obchodn\u00edch dom\u016f, u kter\u00fdch budete m\u00edt slevy, \u010di bonusov\u00fd program, do kter\u00e9ho sb\u00edr\u00e1te body, kter\u00e9 n\u00e1sledn\u011b m\u016f\u017eete vym\u011bnit za n\u011bjak\u00fd produkt. Pozor si v\u0161ak mus\u00edme d\u00e1vat na spl\u00e1cen\u00ed, proto\u017ee nem\u016f\u017eeme jenom \u010derpat pen\u00edze do nekone\u010dna. I kreditka m\u00e1 sv\u016fj ur\u010den\u00fd limit.\tZ\u00e1sadn\u00ed rozd\u00edlZ\u00e1kladn\u00ed rozd\u00edl u\u017e jist\u011b bude ka\u017ed\u00e9mu z\u0159ejm\u00fd. Kreditn\u00ed karta je spojen\u00e1 s&nbsp;\u00fav\u011brem, kde\u017eto debetn\u00ed kartu m\u00edv\u00e1me v\u0161ichni v&nbsp;r\u00e1mci b\u011b\u017en\u00e9ho \u00fa\u010dtu. S&nbsp;debetn\u00ed kartou toti\u017e plat\u00edte sv\u00fdmi pen\u011bzi, kter\u00e9 m\u00e1te na b\u011b\u017en\u00e9m \u00fa\u010dtu. Tak\u017ee jakmile v\u00e1m na \u00fa\u010det p\u0159ijde v\u00fdplata, m\u016f\u017eete s&nbsp;pen\u011bzi hradit inkaso, zaplatit n\u00e1jem, nakoupit si potraviny a drogerii, n\u011bco si objednat z&nbsp;internetu a tak d\u00e1le. Na v\u0161echno m\u016f\u017eete pou\u017e\u00edt pen\u00edze, kter\u00e9 m\u00e1te na \u00fa\u010dtu a t\u011bmi to zaplatit. Pokud m\u00e1te z\u0159\u00edzen\u00fd k&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu kontokorent, m\u016f\u017eete vyb\u00edrat pen\u00edze i takzvan\u011b do m\u00ednusu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00ed karta vs debetn\u00ed","item":"https:\/\/www.zerba.cz\/kreditni-karta-vs-debetni\/#breadcrumbitem"}]}]