[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kreditni-x-debetni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kreditni-x-debetni-karta\/","headline":"Kreditn\u00ed x debetn\u00ed karta","name":"Kreditn\u00ed x debetn\u00ed karta","description":"Pojem kreditn\u00ed karta jist\u011b sly\u0161el u\u017e ka\u017ed\u00fd z&nbsp;n\u00e1s. A co pojem debetn\u00ed? Kterou m\u00e1te v&nbsp;pen\u011b\u017eence? N\u011bkte\u0159\u00ed z&nbsp;n\u00e1s si dokonce mysl\u00ed, \u017ee mezi t\u011bmito kartami nen\u00ed \u017e\u00e1dn\u00fd rozd\u00edl. To ale nen\u00ed pravda. Je v&nbsp;nich toti\u017e velk\u00fd rozd\u00edl. Z\u00e1kladn\u00ed rozd\u00edl je v&nbsp;tom, \u017ee p\u0159i z\u0159izov\u00e1n\u00ed kreditn\u00ed karty, si z\u0159izujete revolvingov\u00fd \u00fav\u011br. Kreditn\u00ed karta je s&nbsp;n\u00edm spojen\u00e1 a &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kreditni-x-debetni-karta\/\"> <span class=\"screen-reader-text\">Kreditn\u00ed x debetn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-27","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-x-debetni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":498,"articleBody":"Pojem kreditn\u00ed karta jist\u011b sly\u0161el u\u017e ka\u017ed\u00fd z&nbsp;n\u00e1s. A co pojem debetn\u00ed? Kterou m\u00e1te v&nbsp;pen\u011b\u017eence? N\u011bkte\u0159\u00ed z&nbsp;n\u00e1s si dokonce mysl\u00ed, \u017ee mezi t\u011bmito kartami nen\u00ed \u017e\u00e1dn\u00fd rozd\u00edl. To ale nen\u00ed pravda. Je v&nbsp;nich toti\u017e velk\u00fd rozd\u00edl. Z\u00e1kladn\u00ed rozd\u00edl je v&nbsp;tom, \u017ee p\u0159i z\u0159izov\u00e1n\u00ed kreditn\u00ed karty, si z\u0159izujete revolvingov\u00fd \u00fav\u011br. Kreditn\u00ed karta je s&nbsp;n\u00edm spojen\u00e1 a jedn\u00e1 se o jakousi mo\u017enost, jak z&nbsp;tohoto \u00fav\u011bru \u010derpat pen\u00edze a jak s&nbsp;nimi v&nbsp;obchodech a kdekoliv jinde platit. V&nbsp;p\u0159\u00edpad\u011b kreditn\u00ed karty se tedy jedn\u00e1 o jak\u00fdsi druh p\u016fj\u010dky. Plat\u00edte s&nbsp;pen\u011bzi, kter\u00e9 nejsou va\u0161e, a nem\u00e1te je na b\u011b\u017en\u00e9m \u00fa\u010dtu, ten s&nbsp;kreditn\u00ed kartou v\u016fbec nesouvis\u00ed, ale plat\u00edte s&nbsp;pen\u011bzi, kter\u00e9 si p\u016fj\u010dujete od banky. Vyu\u017e\u00edv\u00e1te tedy p\u016fj\u010dku. Platit m\u016f\u017eete cokoliv, nakupovat u r\u016fzn\u00fdch obchodn\u00edk\u016f, vyb\u00edrat tak\u00e9 z&nbsp;bankomatu, ov\u0161em pozor, n\u011bkter\u00e9 banky si za to berou poplatky. Jestli\u017ee \u00fav\u011br vyu\u017e\u00edv\u00e1te, m\u016f\u017eete \u010derpat pouze ur\u010ditou \u010d\u00e1stku, na kterou je revolvingov\u00fd \u00fav\u011br sjedn\u00e1n. \u010c\u00e1stka se tedy sjedn\u00e1v\u00e1 hned p\u0159i z\u0159izov\u00e1n\u00ed tohoto \u00fav\u011bru. P\u0159esn\u011b budete v\u011bd\u011bt, do jak\u00e9 v\u00fd\u0161e m\u016f\u017eete \u010derpat a pokud &bdquo;p\u016fj\u010dku&ldquo;, splat\u00edte do ur\u010dit\u00e9ho obdob\u00ed, v&nbsp;takzvan\u00e9m bez\u00faro\u010dn\u00e9m obdob\u00ed, pak v\u00e1m nenasko\u010d\u00ed ani \u00faroky. Pokud tedy stihnete splatit \u00fav\u011br v&nbsp;ur\u010dit\u00e9m obdob\u00ed, toto obdob\u00ed si op\u011bt diktuj\u00ed samotn\u00e9 banky, tak se vyhnete \u00farok\u016fm. V&nbsp;p\u0159\u00edpad\u011b, \u017ee byste \u00fav\u011br nestihli splatit, tedy nestihli p\u0159ev\u00e9st nebo vlo\u017eit pen\u00edze na tento \u00fav\u011br, pak v\u00e1m nasko\u010d\u00ed \u00faroky. S&nbsp;kreditn\u00ed kartou v\u0161ak m\u016f\u017eete vyb\u00edrat a\u017e do v\u00fd\u0161e \u00fav\u011bru. To znamen\u00e1, \u017ee m\u016f\u017eete za m\u011bs\u00edc po\u0159\u00e1d platit a platit cokoliv pot\u0159ebujete, a a\u017e n\u00e1sledn\u011b cel\u00fd dluh neboli tuto p\u016fj\u010dku splatit. Pro mnoh\u00e9 klienty se m\u016f\u017ee jednat o jak\u00fdsi druh finan\u010dn\u00ed rezervy.\tS&nbsp;debetn\u00ed kartou plat\u00edme z&nbsp;b\u011b\u017en\u00e9ho \u00fa\u010dtuZa debetn\u00ed kartu pova\u017eujeme klasickou platebn\u00ed. Pomoc\u00ed debetn\u00ed karty toti\u017e vyu\u017e\u00edv\u00e1te finance, kter\u00e9 m\u00e1te a vlastn\u00edte na b\u011b\u017en\u00e9m \u00fa\u010dtu. Debetn\u00ed karta je tedy spojen\u00e1 s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem. V\u011bt\u0161inou se neplat\u00ed za v\u00fdb\u011bry z&nbsp;bankomat\u016f a m\u00e1te sv\u00e9 vlastn\u00ed pen\u00edze v\u017edy po ruce. Ov\u0161em pokud ji\u017e na \u00fa\u010dtu nem\u00e1te pen\u00edze, nem\u016f\u017eete si v\u00edce vybrat. Pokud tuto kartu vlastn\u00edte, v\u011bt\u0161inou za ni neplat\u00edte \u017e\u00e1dn\u00e9 dal\u0161\u00ed poplatky.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00ed x debetn\u00ed karta","item":"https:\/\/www.zerba.cz\/kreditni-x-debetni-karta\/#breadcrumbitem"}]}]