[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.branavedeni.cz\/debetni-nebo-kreditni-karta\/#Article","mainEntityOfPage":"https:\/\/www.branavedeni.cz\/debetni-nebo-kreditni-karta\/","headline":"Debetn\u00ed nebo kreditn\u00ed karta?","name":"Debetn\u00ed nebo kreditn\u00ed karta?","description":"Debetn\u00ed karta   Z\u00e1kladn\u00ed informac\u00ed je, \u017ee tato karta je v\u017edy v\u00e1z\u00e1na k b\u011b\u017en\u00e9mu \u00fa\u010dtu. P\u0159i placen\u00ed tedy vyu\u017e\u00edv\u00e1te vlastn\u00ed pen\u011b\u017en\u00ed prost\u0159edky, kter\u00e9 m\u00e1te na [...]<\/a>","datePublished":"2017-02-25","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.branavedeni.cz\/author\/#Person","name":"branavedeni.cz\n","url":"https:\/\/www.branavedeni.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"branavedeni.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/branavedeni.cz\/wp-content\/uploads\/img_a308511_w2301_t1519590128.png","url":"https:\/\/branavedeni.cz\/wp-content\/uploads\/img_a308511_w2301_t1519590128.png","height":"","width":""},"url":"https:\/\/www.branavedeni.cz\/debetni-nebo-kreditni-karta\/","about":["Neza\u0159azen\u00e9"],"wordCount":583,"articleBody":"Debetn\u00ed karta Z\u00e1kladn\u00ed informac\u00ed je, \u017ee tato karta je v\u017edy v\u00e1z\u00e1na k b\u011b\u017en\u00e9mu \u00fa\u010dtu. P\u0159i placen\u00ed tedy vyu\u017e\u00edv\u00e1te vlastn\u00ed pen\u011b\u017en\u00ed prost\u0159edky, kter\u00e9 m\u00e1te na sv\u00e9m \u00fa\u010dtu (p\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed, d\u016fchod, invalidn\u00ed d\u016fchod, podpora v nezam\u011bstnanosti a dal\u0161\u00ed). Pokud se tedy stane, \u017ee bude debetn\u00ed karta odcizena a zneu\u017eita, p\u0159ijdete o sv\u00e9 pen\u00edze. Vyj\u00edmka m\u016f\u017ee nastat v p\u0159\u00edpad\u011b, \u017ee m\u00e1te na sv\u00e9m b\u011b\u017en\u00e9m \u00fa\u010dtu nastaven\u00fd kontokorent (tedy mo\u017en\u00e9 m\u00ednusov\u00e9 \u010derp\u00e1n\u00ed). Zde se dost\u00e1v\u00e1te po vy\u010derp\u00e1n\u00ed vlastn\u00edch pen\u011bz do \u010derp\u00e1n\u00ed pen\u011bz banky a tyto pen\u00edze tedy mus\u00edte vr\u00e1tit zp\u011bt (v\u011bt\u0161inou si je banka strh\u00e1v\u00e1 automaticky z dal\u0161\u00edch p\u0159\u00edchoz\u00edch pen\u011bz, nap\u0159. z p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed). D\u016fle\u017eit\u00e9 si zapamatovat: Debetn\u00ed karta je v\u017edy k b\u011b\u017en\u00e9mu \u00fa\u010dtu.  Kreditn\u00ed karta Zde je z\u00e1kladn\u00ed a d\u016fle\u017eit\u00fd rozd\u00edl. Kreditn\u00ed kartou \u010derp\u00e1te schv\u00e1len\u00fd finan\u010dn\u00ed limit od banky, nebo jin\u00e9 finan\u010dn\u00ed instituce. Tedy p\u0159i platb\u011b t\u00edmto typem karty \u010derp\u00e1te pen\u00edze, kter\u00e9 je pot\u0159eba n\u00e1sledn\u011b vr\u00e1tit zp\u011bt. Lze vyu\u017e\u00edt bez\u00faro\u010dn\u00e9ho obdob\u00ed, nebo spl\u00e1cet ve spl\u00e1tk\u00e1ch. Ov\u0161em pozor na to, \u017ee v p\u0159\u00edpad\u011b spl\u00e1cen\u00ed se za\u010d\u00edn\u00e1 \u00fa\u010dtovat \u00farok! Kreditn\u00ed karta je v\u00fdhodn\u00e1 v tom, \u017ee se m\u016f\u017ee vr\u00e1tit p\u0159i placen\u00ed \u010d\u00e1st pen\u011bz zp\u011bt. Je pot\u0159eba si nicm\u00e9n\u011b d\u00e1vat pozor, aby se \u010dlov\u011bk nedostal do dluhov\u00e9 pasti a nem\u011bl probl\u00e9m se spl\u00e1cen\u00edm.  Mnohdy jsou toti\u017e schv\u00e1len\u00e9 limity na kreditn\u00edch kart\u00e1ch v \u0159\u00e1dech statis\u00edc\u016f. Jsou r\u016fzn\u00e9 typy kreditn\u00edch karet: klasick\u00e1 (z\u00e1kladn\u00ed), st\u0159\u00edbrn\u00e1, zlat\u00e1 (gold), platinov\u00e1 kreditn\u00ed karta. Na zlat\u00e9 (gold) a platinov\u00e9 kreditn\u00ed kart\u011b je v\u011bt\u0161inou vysok\u00fd limit, zpravidla a\u017e do v\u00fd\u0161e 500 tis\u00edc korun. D\u016fle\u017eit\u00e9 si zapamatovat: Pen\u00edze \u010derp\u00e1te “na dluh” a je pot\u0159eba je vr\u00e1tit zp\u011bt v r\u00e1mci bez\u00faro\u010dn\u00e9ho                                           obdob\u00ed, nebo na spl\u00e1tky s \u00farokem. \u010casto se mi st\u00e1v\u00e1 p\u0159i pr\u00e1ci na z\u00e1kaznick\u00e9 lince v bance, \u017ee zavol\u00e1 klient a za\u010dne mluvit o kreditn\u00ed kart\u011b a potom zjist\u00edm, \u017ee se vlastn\u011b jedn\u00e1 o debetn\u00ed k b\u011b\u017en\u00e9mu \u00fa\u010dtu. Nebo naopak o debetn\u00ed kart\u011b a zjist\u00edme, \u017ee dotaz se t\u00fdk\u00e1 kreditn\u00ed karty. Je pot\u0159eba ten rozd\u00edl zn\u00e1t. Nejen proto, \u017ee uleh\u010d\u00edte pr\u00e1ci lidem, kte\u0159\u00ed v\u00e1m v bance cht\u011bj\u00ed pomoci, ale hlavn\u011b vy budete v\u011bd\u011bt. N\u011bkolikr\u00e1t se mi stalo, \u017ee se klient divil, pro\u010d m\u00e1 pen\u00edze platit, kdy\u017e je vy\u010derpal. Pak jsem musel vysv\u011btlovat, \u017ee je to vlastn\u011b kreditn\u00ed karta a tu je pot\u0159eba spl\u00e1cet. Jde p\u0159edev\u0161\u00edm o va\u0161e pen\u00edze a znalost. V\u00edte, co se \u0159\u00edk\u00e1: “Neznalost neomlouv\u00e1”. 3.8\/5 - (9 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Debetn\u00ed nebo kreditn\u00ed karta?","item":"https:\/\/www.branavedeni.cz\/debetni-nebo-kreditni-karta\/#breadcrumbitem"}]}]