[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kreditni-vs-debetni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kreditni-vs-debetni-karta\/","headline":"Kreditn\u00ed vs debetn\u00ed karta","name":"Kreditn\u00ed vs debetn\u00ed karta","description":"Takzvan\u00e1 kreditka a debetka. V\u011bt\u0161inou v\u0161ak lid\u00e9 pou\u017e\u00edvaj\u00ed pouze jeden v\u00fdraz, a to je kreditka, tedy kreditn\u00ed karta. Mnohdy v\u0161ak ani netu\u0161\u00edme, \u017ee tento n\u00e1zev pou\u017e\u00edv\u00e1me \u0161patn\u011b. V\u00edte opravdu, co je to kreditn\u00ed karta? Mus\u00edm se p\u0159iznat, \u017ee pokud nezabrouzd\u00e1te trochu v\u00edce a hloub\u011bji do sv\u011bta financ\u00ed a bankovnictv\u00ed, tak v\u00e1m \u010dasto v b\u011b\u017en\u00e9m \u017eivot\u011b ani …

Kreditn\u00ed vs debetn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2020-08-17","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-vs-debetni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":530,"articleBody":"Takzvan\u00e1 kreditka a debetka. V\u011bt\u0161inou v\u0161ak lid\u00e9 pou\u017e\u00edvaj\u00ed pouze jeden v\u00fdraz, a to je kreditka, tedy kreditn\u00ed karta. Mnohdy v\u0161ak ani netu\u0161\u00edme, \u017ee tento n\u00e1zev pou\u017e\u00edv\u00e1me \u0161patn\u011b. V\u00edte opravdu, co je to kreditn\u00ed karta? Mus\u00edm se p\u0159iznat, \u017ee pokud nezabrouzd\u00e1te trochu v\u00edce a hloub\u011bji do sv\u011bta financ\u00ed a bankovnictv\u00ed, tak v\u00e1m \u010dasto v b\u011b\u017en\u00e9m \u017eivot\u011b ani nep\u0159ijde divn\u00e9, \u017ee tento n\u00e1zev pou\u017e\u00edv\u00e1te \u0161patn\u011b.\tTak\u017ee co je to kreditn\u00ed a debetn\u00ed karta a jak\u00e9 maj\u00ed vlastnosti? Jestli\u017ee vlastn\u00edte kreditn\u00ed kartu, pak m\u00e1te z\u0159\u00edzen\u00fd i revolvingov\u00fd \u00fav\u011br. Je to p\u0159ekvapen\u00ed? V tom p\u0159\u00edpad\u011b z\u0159ejm\u011b nevlastn\u00edte kreditn\u00ed kartu n\u00fdbr\u017e debetn\u00ed, kter\u00e1 je spojen\u00e1 s b\u011b\u017en\u00fdm \u00fa\u010dtem. Jak\u00e9 jsou z\u00e1sadn\u00ed rozd\u00edly? Z\u00e1sadn\u00ed rozd\u00edl je v tom, \u017ee p\u0159i z\u0159izov\u00e1n\u00ed kreditn\u00ed karty, kterou si mohou sjednat pouze lid\u00e9, kte\u0159\u00ed v\u010das spl\u00e1c\u00ed sv\u00e9 p\u016fj\u010dky a jsou bonitn\u00ed, si lid\u00e9 z\u0159izuj\u00ed tak\u00e9 revolvingov\u00fd \u00fav\u011br. Kreditn\u00ed karta je n\u00e1sledn\u011b n\u00e1stroj, jak z tohoto typu \u00fav\u011bru mohou lid\u00e9 pen\u00edze vyu\u017e\u00edvat \u010dili s kreditkou mohou platit v obchodech, nakupovat zbo\u017e\u00ed a slu\u017eby, objedn\u00e1vat v\u011bci p\u0159es internet a spoustu dal\u0161\u00edho. Ov\u0161em kreditn\u00ed kartu vyu\u017e\u00edvaj\u00ed v r\u00e1mci revolvingov\u00e9ho \u00fav\u011bru, tak\u017ee nem\u00e1te \u017e\u00e1dn\u00e9 vlastn\u00ed pen\u00edze n\u011bkde na \u00fa\u010dtu, ale vyu\u017e\u00edv\u00e1te k placen\u00ed pen\u00edze z banky formou jak\u00e9si p\u016fj\u010dky. V\u00fd\u0161e t\u00e9to „p\u016fj\u010dky“ je sjedn\u00e1na hned p\u0159i vy\u0159izov\u00e1n\u00ed \u00fav\u011bru. Banky si ur\u010duj\u00ed, kolik financ\u00ed m\u016f\u017eete t\u00edmto zp\u016fsobem vy\u010derpat. V\u011bt\u0161inou se m\u016f\u017ee jednat o dva a\u017e t\u0159i pr\u016fm\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy. B\u011b\u017en\u00fd \u00fa\u010det v tomto p\u0159\u00edpad\u011b v\u016fbec nepot\u0159ebujete a nijak s kreditn\u00ed kartou nesouvis\u00ed. Pokud tuto p\u016fj\u010dku zaplat\u00edte v\u010das a splat\u00edte ji celou, pak v\u00e1m nenasko\u010d\u00ed ani \u00faroky a m\u016f\u017eete si znovu „p\u016fj\u010dovat“ a vyu\u017e\u00edvat pen\u00edze, kter\u00e9 n\u00e1sledn\u011b op\u011bt za n\u011bjakou dobu splat\u00edte. Toto obdob\u00ed se naz\u00fdv\u00e1 jako bez\u00faro\u010dn\u00e9 a sd\u011bl\u00ed v\u00e1m jej op\u011bt hned p\u0159i z\u0159izov\u00e1n\u00ed revolvingov\u00e9ho \u00fav\u011bru v bance.Zm\u00edn\u00edme si je\u0161t\u011b vlastnosti debetn\u00ed karty. To je pr\u00e1v\u011b ta, kter\u00e1 klasick\u00fdm zp\u016fsobem souvis\u00ed s b\u011b\u017en\u00fdm \u00fa\u010dtem. Na b\u011b\u017en\u00e9m \u00fa\u010dtu m\u00e1te vlastn\u00ed pen\u00edze, chod\u00ed v\u00e1m tam nap\u0159\u00edklad v\u00fdplata a s t\u011bmito pen\u011bzi m\u016f\u017eete r\u016fzn\u011b hospoda\u0159it. Platit v\u00fddaje, n\u00e1jem, poplatky, pau\u0161\u00e1ly, inkasa a nakupovat zbo\u017e\u00ed \u010di platit slu\u017eby. Vyu\u017e\u00edv\u00e1te k placen\u00ed tedy sv\u00e9 vlastn\u00ed finance, kter\u00e9 m\u00e1te na b\u011b\u017en\u00e9m \u00fa\u010dtu. K placen\u00ed tedy pou\u017e\u00edv\u00e1te debetn\u00ed kartu. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00ed vs debetn\u00ed karta","item":"https:\/\/www.zerba.cz\/kreditni-vs-debetni-karta\/#breadcrumbitem"}]}]