[{"@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\u00a0b\u011b\u017en\u00e9m \u017eivot\u011b ani &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kreditni-vs-debetni-karta\/\"> <span class=\"screen-reader-text\">Kreditn\u00ed vs debetn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384374_3x2_20260816_101324_93xK57.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384374_3x2_20260816_101324_93xK57.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/kreditni-vs-debetni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":508,"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\u00a0b\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?\u00a0Jestli\u017ee vlastn\u00edte kreditn\u00ed kartu, pak m\u00e1te z\u0159\u00edzen\u00fd i revolvingov\u00fd \u00fav\u011br. Je to p\u0159ekvapen\u00ed? V\u00a0tom p\u0159\u00edpad\u011b z\u0159ejm\u011b nevlastn\u00edte kreditn\u00ed kartu n\u00fdbr\u017e debetn\u00ed, kter\u00e1 je spojen\u00e1 s\u00a0b\u011b\u017en\u00fdm \u00fa\u010dtem. Jak\u00e9 jsou z\u00e1sadn\u00ed rozd\u00edly? Z\u00e1sadn\u00ed rozd\u00edl je v\u00a0tom, \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\u00a0tohoto typu \u00fav\u011bru mohou lid\u00e9 pen\u00edze vyu\u017e\u00edvat \u010dili s\u00a0kreditkou mohou platit v\u00a0obchodech, 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\u00a0r\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\u00a0placen\u00ed pen\u00edze z\u00a0banky formou jak\u00e9si p\u016fj\u010dky. V\u00fd\u0161e t\u00e9to \u201ep\u016fj\u010dky\u201c 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\u00a0tomto p\u0159\u00edpad\u011b v\u016fbec nepot\u0159ebujete a nijak s\u00a0kreditn\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 \u201ep\u016fj\u010dovat\u201c 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\u00a0bance.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\u00a0b\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\u00a0t\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\u00a0placen\u00ed tedy sv\u00e9 vlastn\u00ed finance, kter\u00e9 m\u00e1te na b\u011b\u017en\u00e9m \u00fa\u010dtu. K\u00a0placen\u00ed tedy pou\u017e\u00edv\u00e1te debetn\u00ed kartu.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]