[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/uverova-karta\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/uverova-karta\/","headline":"\u00dav\u011brov\u00e1 karta","name":"\u00dav\u011brov\u00e1 karta","description":"Dal\u0161\u00ed z&nbsp;\u0159ady n\u00e1zv\u016f, u kter\u00e9ho si l\u00e1meme hlavu. M\u00e9n\u011b \u010dast\u00fdm zmi\u0148ovan\u00fdm n\u00e1zvem je pr\u00e1v\u011b \u00fav\u011brov\u00e1 karta. Kdy a jak ji z\u00edsk\u00e1me? Je ur\u010dena pro ka\u017ed\u00e9ho? M\u016f\u017ee si ji kdokoliv z\u0159\u00eddit nebo mus\u00edme splnit n\u011bjak\u00e9 podm\u00ednky k&nbsp;jej\u00edmu z\u00edsk\u00e1n\u00ed? V&nbsp;prvn\u00ed \u0159ad\u011b si \u0159ekneme, \u017ee \u00fav\u011brov\u00e1 karta je kreditn\u00ed karta. Pojem \u00fav\u011brov\u00e1 karta je akor\u00e1t trochu jin\u00e9 ozna\u010den\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/uverova-karta\/\"> <span class=\"screen-reader-text\">\u00dav\u011brov\u00e1 karta<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-15","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\/uverova-karta\/","about":["P\u016fj\u010dky"],"wordCount":514,"articleBody":"Dal\u0161\u00ed z&nbsp;\u0159ady n\u00e1zv\u016f, u kter\u00e9ho si l\u00e1meme hlavu. M\u00e9n\u011b \u010dast\u00fdm zmi\u0148ovan\u00fdm n\u00e1zvem je pr\u00e1v\u011b \u00fav\u011brov\u00e1 karta. Kdy a jak ji z\u00edsk\u00e1me? Je ur\u010dena pro ka\u017ed\u00e9ho? M\u016f\u017ee si ji kdokoliv z\u0159\u00eddit nebo mus\u00edme splnit n\u011bjak\u00e9 podm\u00ednky k&nbsp;jej\u00edmu z\u00edsk\u00e1n\u00ed?V&nbsp;prvn\u00ed \u0159ad\u011b si \u0159ekneme, \u017ee \u00fav\u011brov\u00e1 karta je kreditn\u00ed karta. Pojem \u00fav\u011brov\u00e1 karta je akor\u00e1t trochu jin\u00e9 ozna\u010den\u00ed pro kreditn\u00ed kartu. Jedn\u00e1 se v&nbsp;podstat\u011b o kartu, na kterou je v\u00e1z\u00e1n \u00fav\u011br, z\u0159ejm\u011b proto vznikl a osvojil se mezi lidmi n\u00e1zev \u00fav\u011brov\u00e1 karta. Jak jsme si ji\u017e \u0159ekli, tato karta je spojen\u00e1 s&nbsp;\u00fav\u011brem. O jak\u00fd \u00fav\u011br se tedy jedn\u00e1? Jedn\u00e1 se o revolvingov\u00fd \u00fav\u011br. O ten m\u016f\u017ee za\u017e\u00e1dat v&nbsp;podstat\u011b kdokoliv, kdo m\u00e1 18 let a trval\u00e9 bydli\u0161t\u011b v&nbsp;\u010cR. Nemus\u00edte m\u00edt ani bankovn\u00ed \u00fa\u010det.Pomoc\u00ed \u00fav\u011brov\u00e9 tedy kreditn\u00ed karty m\u016f\u017eete platit v&nbsp;obchodech, na internetu nebo vyb\u00edrat z&nbsp;bankomatu (to se ale nedoporu\u010duje kv\u016fli vy\u0161\u0161\u00edm poplatk\u016fm). Jak\u00e9 jsou dal\u0161\u00ed podm\u00ednky? Kolik je mo\u017en\u00e9 si vybrat? \u010c\u00e1stka, kterou je mo\u017en\u00e9 z\u00edskat je p\u0159edem dohodnut\u00e1 ve smlouv\u011b. Jedn\u00e1 se o jak\u00fdsi limit, kter\u00fd se p\u0159edem nastav\u00ed, a do v\u00fd\u0161e tohoto limitu m\u016f\u017eete pen\u00edze z&nbsp;karty \u010derpat. M\u016f\u017eete \u010derpat pen\u00edze postupn\u011b, nebo najednou. Pak pen\u00edze spl\u00e1c\u00edte jako b\u011b\u017en\u00fd \u00fav\u011br i s&nbsp;\u00faroky. V\u017edy plat\u00edte \u00faroky pouze za pen\u00edze, kter\u00e9 jste si vyp\u016fj\u010dili. U v\u011bt\u0161iny bank \u010di nebankovn\u00edch instituc\u00ed je to nastaven\u00e9 tak, \u017ee pokud kartu nevyu\u017e\u00edv\u00e1te, pak nic neplat\u00edte. \u00dav\u011br tedy m\u016f\u017eete vyu\u017e\u00edvat opakovan\u011b, v\u017edy do v\u00fd\u0161e nastaven\u00e9ho limitu. M\u016f\u017eete tedy \u010derpat, spl\u00e1cet a op\u011bt \u010derpat a \u010derpat a\u017e do v\u00fd\u0161e limitu a pak spl\u00e1cet a po\u0159\u00e1d dokola. B\u00fdv\u00e1 stanovena tak\u00e9 v\u00fd\u0161e minim\u00e1ln\u00ed jedn\u00e9 spl\u00e1tky. V\u0161e je p\u0159edem dohodnuto ve smlouv\u011b.\t\u00dav\u011brov\u00e1 \u010dili kreditn\u00ed\u00dav\u011br m\u00edv\u00e1 tak\u00e9 bez\u00faro\u010dn\u00e9 obdob\u00ed. To znamen\u00e1, \u017ee pokud si jeden m\u011bs\u00edc p\u016fj\u010d\u00edte n\u011bjakou \u010d\u00e1stku pen\u011bz a splat\u00edte je nap\u0159\u00edklad do m\u011bs\u00edce (jeden m\u011bs\u00edc mus\u00ed b\u00fdt uveden ve smlouv\u011b jako bez\u00faro\u010dn\u00e9 obdob\u00ed), pak nebudete platit \u017e\u00e1dn\u00e9 \u00faroky. Z\u00e1le\u017e\u00ed na bance a jejich podm\u00ednk\u00e1ch. Ka\u017ed\u00e1 m\u016f\u017ee m\u00edt podm\u00ednky nastaven\u00e9 trochu jinak. Kreditka b\u00fdv\u00e1 nastavena tak, abyste dok\u00e1zali spl\u00e1cet. Mnohdy se prokazuje v\u00fd\u0161e p\u0159\u00edjm\u016f a bance d\u00e1v\u00e1te tak\u00e9 potvrzen\u00ed od zam\u011bstnavatele o p\u0159\u00edjmech. Kreditka ale oproti b\u011b\u017en\u00e9 debetn\u00ed kart\u011b poskytuje tak\u00e9 r\u016fzn\u00e9 &bdquo;v\u00fdhody&ldquo;. V\u011bt\u0161inou se jedn\u00e1 o n\u011bjak\u00e9 bonusy u obchodn\u00edk\u016f, slevy a podobn\u011b.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00dav\u011brov\u00e1 karta","item":"https:\/\/www.zerba.cz\/uverova-karta\/#breadcrumbitem"}]}]