[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/rozdil-kreditni-a-debetni-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/rozdil-kreditni-a-debetni-karta\/","headline":"Rozd\u00edl kreditn\u00ed a debetn\u00ed karta","name":"Rozd\u00edl kreditn\u00ed a debetn\u00ed karta","description":"\u010casto n\u00e1m z&nbsp;t\u011bch v\u0161ech n\u00e1zv\u016f jde hlava kolem. Debetn\u00ed nebo kreditn\u00ed? Kter\u00e1 je kter\u00e1? Za\u010dneme tedy hezky od za\u010d\u00e1tku. Jako z\u00e1kladn\u00ed si \u0159ekneme, \u017ee snad v\u0161ichni vlastn\u00edme b\u011b\u017en\u00fd \u00fa\u010det. K&nbsp;n\u011bmu n\u00e1le\u017e\u00ed karta. A jak\u00e1 to je? Pokud jste odpov\u011bd\u011bli, \u017ee debetn\u00ed m\u00e1te pravdu, pokud \u017ee kreditn\u00ed, tak pravdu nem\u00e1te. K&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu n\u00e1le\u017e\u00ed debetn\u00ed karta. Na &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/rozdil-kreditni-a-debetni-karta\/\"> <span class=\"screen-reader-text\">Rozd\u00edl kreditn\u00ed a debetn\u00ed karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-20","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\/rozdil-kreditni-a-debetni-karta\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":485,"articleBody":"\u010casto n\u00e1m z&nbsp;t\u011bch v\u0161ech n\u00e1zv\u016f jde hlava kolem. Debetn\u00ed nebo kreditn\u00ed? Kter\u00e1 je kter\u00e1? Za\u010dneme tedy hezky od za\u010d\u00e1tku. Jako z\u00e1kladn\u00ed si \u0159ekneme, \u017ee snad v\u0161ichni vlastn\u00edme b\u011b\u017en\u00fd \u00fa\u010det. K&nbsp;n\u011bmu n\u00e1le\u017e\u00ed karta. A jak\u00e1 to je? Pokud jste odpov\u011bd\u011bli, \u017ee debetn\u00ed m\u00e1te pravdu, pokud \u017ee kreditn\u00ed, tak pravdu nem\u00e1te. K&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu n\u00e1le\u017e\u00ed debetn\u00ed karta. Na sv\u00e9m \u00fa\u010dtu m\u00e1te sv\u00e9 vlastn\u00ed pen\u00edze, se kter\u00fdmi plat\u00edte pomoc\u00ed debetn\u00ed karty. Na kreditn\u00ed kart\u011b, kter\u00e1 s&nbsp;va\u0161\u00edm b\u011b\u017en\u00fdm \u00fa\u010dtem nesouvis\u00ed, nem\u00e1me \u017e\u00e1dn\u00e9 vlastn\u00ed pen\u00edze, proto\u017ee u t\u00e9to karty \u010derp\u00e1me pen\u00edze formou \u00fav\u011bru. Platit s&nbsp;n\u00ed m\u016f\u017eete b\u011b\u017en\u011b, v\u011bt\u0161inou se v\u0161ak tyto pen\u00edze vyu\u017e\u00edvaj\u00ed na n\u011bjak\u00e9 v\u011bt\u0161\u00ed v\u00fddaje, nebo jako finan\u010dn\u00ed rezerva pro ne\u010dekan\u00e9 ud\u00e1losti. Na kreditce toti\u017e nem\u00e1me vlastn\u00ed pen\u00edze, ale \u010derp\u00e1me je pomoc\u00ed revolvingov\u00e9ho \u00fav\u011bru od banky.Kreditn\u00ed kartu v\u00e1m m\u016f\u017ee vystavit jak\u00e1koliv banka. Nesouvis\u00ed s&nbsp;va\u0161\u00edm b\u011b\u017en\u00fdm \u00fa\u010dtem. V\u011bt\u0161inou je na n\u00ed p\u0159i revolvingov\u00e9m \u00fav\u011bru n\u011bjak\u00fd limit. Pozor bychom si p\u0159i pou\u017e\u00edv\u00e1n\u00ed kreditky m\u011bli d\u00e1t na poplatky, proto je dobr\u00e9 porovn\u00e1vat r\u016fzn\u00e9 nab\u00eddky.\tNa prvn\u00ed pohled stejn\u00e9, sv\u00fdm fungov\u00e1n\u00edm v\u0161ak \u00fapln\u011b jin\u00e9Zaj\u00edmavost\u00ed je, \u017ee na prvn\u00ed pohled se kreditn\u00ed a debetn\u00ed karty nemus\u00ed skoro v\u016fbec od sebe li\u0161it. Jsou si velice podobn\u00e9 a z\u0159ejm\u011b byste pouh\u00fdm mrknut\u00edm na jednu nebo druhou nepoznali \u017e\u00e1dn\u00fd rozd\u00edl. Kreditn\u00edch i debetn\u00edch karet je v&nbsp;dne\u0161n\u00ed dob\u011b ji\u017e spousta. Li\u0161it se mohou obr\u00e1zkem, kter\u00fd si na n\u011b nech\u00e1te natisknout. Co\u017e je v&nbsp;dne\u0161n\u00ed dob\u011b ji\u017e tak\u00e9 mo\u017en\u00e9.Sv\u00fdm fungov\u00e1n\u00edm a principem jsou v\u0161ak rozd\u00edln\u00e9. Jak jsme si ji\u017e \u0159ekli, tak debetn\u00ed kartu m\u00edv\u00e1me v pen\u011b\u017eenk\u00e1ch \u010dast\u011bji, proto\u017ee souvis\u00ed s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem. Naproti tomu kreditn\u00ed karty zat\u00edm v&nbsp;na\u0161ich kon\u010din\u00e1ch maj\u00ed lid\u00e9 jen z\u0159\u00eddka. Kreditn\u00ed souvis\u00ed s&nbsp;revolvingov\u00fdm \u00fav\u011brem, ze kter\u00e9ho \u010derp\u00e1te pen\u00edze, ale s&nbsp;kartou plat\u00edte vlastn\u011b zcela b\u011b\u017en\u011b. Ov\u0161em nem\u00e1te na ni vlastn\u00ed pen\u00edze, ale pou\u017e\u00edv\u00e1te pen\u00edze z&nbsp;banky, proto\u017ee se jedn\u00e1 o \u00fav\u011br \u010dili o jakousi p\u016fj\u010dku. To je z\u00e1kladn\u00ed, a p\u0159edev\u0161\u00edm hlavn\u00ed rozd\u00edl mezi t\u011bmito kartami, proto\u017ee na debetn\u00ed, kter\u00e1 souvis\u00ed s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem, m\u00e1me v\u017edy pen\u00edze vlastn\u00ed nap\u0159\u00edklad t\u011b\u017ece vyd\u011blan\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rozd\u00edl kreditn\u00ed a debetn\u00ed karta","item":"https:\/\/www.zerba.cz\/rozdil-kreditni-a-debetni-karta\/#breadcrumbitem"}]}]