[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kreditni-karty\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kreditni-karty\/","headline":"Kreditn\u00ed karty","name":"Kreditn\u00ed karty","description":"  Druhy kreditn\u00edch karet   Existuje mnoho druh\u016f kreditn\u00edch karet. Nab\u00edz\u00ed je bankovn\u00ed i nebankovn\u00ed instituce. Mohou b\u00fdt i tzv. cobrandov\u00e9 kreditn\u00ed karty, kter\u00e9 jsou v souvislosti s n\u011bjakou instituc\u00ed (Tesco kreditn\u00ed karta). Kreditn\u00ed karty mohou b\u00fdt klasick\u00e9 (kreditn\u00ed karty bez \u00faroku), se slevou (sleva p\u0159i platb\u011b u obchodn\u00edku \/ u vybran\u00fdch obchodn\u00edk\u016f), gold, platinov\u00e1 …

Kreditn\u00ed karty<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2021-06-08","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:\/\/zerba.cz\/wp-content\/uploads\/img_a311215_w1729_t1522134076.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311215_w1729_t1522134076.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/kreditni-karty\/","about":["P\u016fj\u010dky"],"wordCount":506,"articleBody":" Druhy kreditn\u00edch karet Existuje mnoho druh\u016f kreditn\u00edch karet. Nab\u00edz\u00ed je bankovn\u00ed i nebankovn\u00ed instituce. Mohou b\u00fdt i tzv. cobrandov\u00e9 kreditn\u00ed karty, kter\u00e9 jsou v souvislosti s n\u011bjakou instituc\u00ed (Tesco kreditn\u00ed karta). Kreditn\u00ed karty mohou b\u00fdt klasick\u00e9 (kreditn\u00ed karty bez \u00faroku), se slevou (sleva p\u0159i platb\u011b u obchodn\u00edku \/ u vybran\u00fdch obchodn\u00edk\u016f), gold, platinov\u00e1 (pro lidi s p\u0159\u00edjmem nad 50 000 K\u010d a VIP klienty), VIP kreditn\u00ed karta (pouze pro VIP klienty) a samoz\u0159ejm\u011b ji\u017e zmi\u0148ovan\u00e9 cobrandov\u00e9 kreditn\u00ed karty (ve spolupr\u00e1ci s obchodn\u00edkem). Parametry kreditn\u00ed karet \u00darokV\u017edy je uv\u00e1d\u011bna ro\u010dn\u00ed \u00farokov\u00e1 sazba. Tato sazba se m\u016f\u017ee m\u011bnit na z\u00e1klad\u011b druhu kreditn\u00ed karty. Pohybuje se od 19,99 % a\u017e po 29,99 % ro\u010dn\u011b. Na ur\u010dit\u00fdch VIP kreditn\u00edch kart\u00e1ch pro VIP klienty m\u016f\u017ee b\u00fdt \u00farokov\u00e1 sazba mnohem ni\u017e\u0161\u00ed. \u00darokov\u00e1 sazba pro platby u obchodn\u00edk\u016f se pohybuje kolem 23,99 % ro\u010dn\u011b. D\u00e1vejte si pozor na v\u00fdb\u011bry z bankomatu. Zde se toti\u017e nevztahuje bez\u00faro\u010dn\u00e9 obdob\u00ed a \u010d\u00e1stka je \u00faro\u010dena ihned od proveden\u00ed transakce (\u00fa\u010dtuje se i poplatek za v\u00fdb\u011br kreditn\u00ed kartou z bankomatu). \u00darok u v\u00fdb\u011bru z bankomatu je v\u011bt\u0161inou 29,99 % ro\u010dn\u011b. PoplatkyKreditn\u00ed karta existuje i bez poplatku. To m\u016f\u017ee b\u00fdt podm\u00edn\u011bno \u00fatratou ur\u010dit\u00e9 m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stky (v\u011bt\u0161inou 3 000 a\u017e 10 000 K\u010d). Klasick\u00e9 poplatky za kreditn\u00ed kartu mohou b\u00fdt od 19 K\u010d a\u017e do 499 K\u010d m\u011bs\u00ed\u010dn\u011b. Dal\u0161\u00ed poplatky mohou b\u00fdt za sms informace o platb\u00e1ch kreditn\u00ed kartou, za pap\u00edrov\u00fd v\u00fdpis, za poji\u0161t\u011bn\u00ed, za p\u0159evod financ\u00ed na b\u011b\u017en\u00fd \u00fa\u010det a tak\u00e9 za v\u00fdb\u011br z bankomatu. V\u017edy se podrobn\u011b pod\u00edvejte na cen\u00edk ke kreditn\u00ed kart\u011b. Bez\u00faro\u010dn\u00e9 obdob\u00edPohybuje se od 45 a\u017e do 60 dn\u00ed. V bez\u00faro\u010dn\u00e9m obdob\u00ed m\u016f\u017eete vr\u00e1tit pen\u00edze zp\u011bt bez nav\u00fd\u0161en\u00ed. Vztahuje se na platby u obchodn\u00edk\u016f a n\u011bkdy na n\u011bkter\u00e9 typy p\u0159evodu z kreditn\u00ed karty na b\u011b\u017en\u00fd \u00fa\u010det. Pozor! V\u00fdb\u011br z bankomatu je v\u017edy \u00faro\u010den ihned od proveden\u00ed transakce a nevztahuje se na n\u011bj bez\u00faro\u010dn\u00e9 obdob\u00ed! V\u00fdhodyKreditn\u00ed karta m\u016f\u017ee m\u00edt slevy u obchodn\u00edk\u016f p\u0159i ka\u017ed\u00e9m n\u00e1kupu, p\u0159\u00edpadn\u011b slevy u vybran\u00fdch obchodn\u00edk\u016f v r\u00e1mci partner\u016f. Existuje i kreditn\u00ed karta, kde m\u00e1te slevy na faktury od O2 (dle m\u011bs\u00ed\u010dn\u00ed utracen\u00e9 \u010d\u00e1stky z kreditn\u00ed karty) a tak\u00e9 nap\u0159. Tesco kreditn\u00ed karta (zde z\u00edsk\u00e1v\u00e1te Clubcard body nav\u00edc za platby i mimo obchody Tesco).  M\u016f\u017eete si tak\u00e9 p\u0159ev\u00e1d\u011bt finance na b\u011b\u017en\u00fd \u00fa\u010det, ale je pot\u0159eba se pod\u00edvat na podm\u00ednky. Kreditn\u00ed karta je dobr\u00fd sluha a m\u016f\u017ee hodn\u011b u\u0161et\u0159it. Jen je pot\u0159eba si vybrat tu nejlep\u0161\u00ed variantu. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00ed karty","item":"https:\/\/www.zerba.cz\/kreditni-karty\/#breadcrumbitem"}]}]