{"id":5915,"date":"2022-11-29T10:54:59","date_gmt":"2022-11-29T09:54:59","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=5915"},"modified":"2022-11-21T15:17:30","modified_gmt":"2022-11-21T14:17:30","slug":"kreditni-karta","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/","title":{"rendered":"Kreditn\u00ed karta \u2013 vyu\u017e\u00edv\u00e1te v\u0161echny jej\u00ed v\u00fdhody?"},"content":{"rendered":"<p><strong>L\u00e1k\u00e1 v\u00e1s \u017e\u00edt tzv. na kreditn\u00ed kartu? V\u00edte, jak\u00fd je vlastn\u011b rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou? Jak\u00e9 dal\u0161\u00ed v\u00fdhody v\u00e1m kreditn\u00ed karta p\u0159inese? Nebo je to pro v\u00e1s zat\u00edm tabu a vyh\u00fdb\u00e1te se jej\u00edmu po\u0159\u00edzen\u00ed? Hlavn\u00ed v\u00fdhody a nev\u00fdhody si shrneme v\u00a0tomto \u010dl\u00e1nku.<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a0ea32c84f60\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #666666;color:#666666\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #666666;color:#666666\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a0ea32c84f60\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/#Jaky_je_rozdil_mezi_kreditni_a_debetni_kartou\" >Jak\u00fd je rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/#Kreditni_karta_jako_nejjednodussi_forma_uveru\" >Kreditn\u00ed karta jako nejjednodu\u0161\u0161\u00ed forma \u00fav\u011bru<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/#Kde_muzete_kreditni_kartu_vyuzit\" >Kde m\u016f\u017eete kreditn\u00ed kartu vyu\u017e\u00edt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/#Debetni_karta\" >Debetn\u00ed karta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/#Kreditni_karta\" >Kreditn\u00ed karta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/#Kreditni_karta_neni_kontokorent\" >Kreditn\u00ed karta nen\u00ed kontokorent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/orangeacademy.cz\/clanky\/kreditni-karta\/#Zaver\" >Z\u00e1v\u011br<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jaky_je_rozdil_mezi_kreditni_a_debetni_kartou\"><\/span>Jak\u00fd je rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Na prvn\u00ed pohled \u017e\u00e1dn\u00fd rozd\u00edl nepozn\u00e1te. Ob\u011b jsou to plastov\u00e9 platebn\u00ed karty. <strong>Rozd\u00edl je ve zp\u016fsobu, jak\u00fdm \u010derp\u00e1te pen\u00edze. <\/strong><\/p>\n<ul>\n<li>Vlastn\u00edte-li <strong>debetn\u00ed kartu<\/strong>, plat\u00edte pouze pen\u011bzi, kter\u00e9 m\u00e1te ulo\u017eeny na sv\u00e9m <a href=\"https:\/\/orangeacademy.cz\/clanky\/co-je-bankovni-identita\/\" target=\"_blank\" rel=\"noopener\">bankovn\u00edm \u00fa\u010dtu<\/a>.<\/li>\n<li><strong>Kreditn\u00ed karta<\/strong> v\u00e1m naopak umo\u017en\u00ed \u010derpat pen\u00edze, kter\u00e9 v\u00e1m p\u016fj\u010d\u00ed banka. \u010cerpat m\u016f\u017eete a\u017e do v\u00fd\u0161e limitu, kter\u00fd m\u00e1te s\u00a0bankou sjedn\u00e1n. M\u016f\u017eete tedy platit i ve chv\u00edli, kdy v\u00e1m va\u0161e vlastn\u00ed finance dojdou.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Kreditni_karta_jako_nejjednodussi_forma_uveru\"><\/span>Kreditn\u00ed karta jako nejjednodu\u0161\u0161\u00ed forma \u00fav\u011bru<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vlastnictv\u00ed kreditn\u00ed karty m\u016f\u017ee tedy b\u00fdt <strong>nejjednodu\u0161\u0161\u00ed a nejrychlej\u0161\u00ed formou \u00fav\u011bru<\/strong>. Banka v\u00e1m poskytne p\u016fj\u010dku. Vy ji bance splat\u00edte. V\u00a0r\u00e1mci stanoven\u00e9ho limitu si m\u016f\u017eete \u010d\u00e1stku kdykoliv zase p\u016fj\u010dit a splatit. Pokud p\u016fj\u010den\u00e9 finan\u010dn\u00ed prost\u0159edky vr\u00e1t\u00edte d\u0159\u00edve, ne\u017e vypr\u0161\u00ed va\u0161e bez\u00faro\u010dn\u00e9 obdob\u00ed, neplat\u00edte \u00faroky.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5918\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni3.jpg\" alt=\"Kreditn\u00ed karta 2\" width=\"1200\" height=\"800\" srcset=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni3.jpg 1200w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni3-980x653.jpg 980w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni3-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1200px, 100vw\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kde_muzete_kreditni_kartu_vyuzit\"><\/span>Kde m\u016f\u017eete kreditn\u00ed kartu vyu\u017e\u00edt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kreditn\u00ed kartu m\u016f\u017eete vyu\u017e\u00edt p\u0159i platb\u00e1ch <strong>v\u00a0\u010cesk\u00e9 republice i v\u00a0zahrani\u010d\u00ed<\/strong>. Platbu m\u016f\u017eete uskute\u010dnit v\u00a0kamenn\u00e9m obchod\u011b i na internetu. M\u016f\u017eete si vybrat po\u017eadovanou \u010d\u00e1stku z\u00a0bankomatu. Pen\u00edze lze poslat i bankovn\u00edm p\u0159evodem. Slu\u017eby jsou zpoplatn\u011bny a ka\u017ed\u00e1 banka se \u0159\u00edd\u00ed sv\u00fdm aktu\u00e1ln\u011b platn\u00fdm sazebn\u00edkem.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Debetni_karta\"><\/span>Debetn\u00ed karta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tak\u00e9 pat\u0159\u00edte mezi ty, kdo automaticky ozna\u010d\u00ed svou debetn\u00ed kartu jako kreditku? Toto lidov\u00e9 v\u0161eobecn\u00e9 ozna\u010den\u00ed pro platebn\u00ed karty se v\u017eilo, nicm\u00e9n\u011b pod\u00edvejme se bl\u00ed\u017ee na jejich rozd\u00edly.<\/p>\n<p>A\u017e na mal\u00e9 v\u00fdjimky m\u00e1 dnes ji\u017e ka\u017ed\u00fd dosp\u011bl\u00fd \u010dlov\u011bk sv\u016fj <strong>b\u011b\u017en\u00fd bankovn\u00ed \u00fa\u010det<\/strong>. K\u00a0tomuto \u00fa\u010dtu je standardn\u011b vyd\u00e1v\u00e1na debetn\u00ed karta. M\u00e1te tak mo\u017enost platit bezhotovostn\u011b u obchodn\u00edka. M\u016f\u017eete si vyb\u00edrat \u010di ukl\u00e1dat pen\u00edze prost\u0159ednictv\u00edm bankomatu. M\u016f\u017eete, pokud m\u00e1te povoleny platby na internetu, zaplatit za zbo\u017e\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/e-shop-otazky-odpovedi\/\" target=\"_blank\" rel=\"noopener\">v\u00a0eshopu<\/a>. Vystaven\u00ed prvn\u00ed debetn\u00ed karty je u v\u011bt\u0161iny bank zdarma. Dnes je ji\u017e b\u011b\u017en\u00e9, \u017ee m\u00e1te zdarma i n\u011bkolik (nebo v\u0161echny) v\u00fdb\u011bry z\u00a0bankomatu.<\/p>\n<span class='mb-center maxbutton-7-center'><span class='maxbutton-7-container mb-container'><a class=\"maxbutton-7 maxbutton maxbutton-kurz-ucetnictvi\" target=\"_blank\" title=\"Kurz \u00fa\u010detnictv\u00ed\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/kurzy-ucetnictvi\/rekvalifikacni-kurzy-ucetnictvi-a-danove-evidence\"><span class='mb-text'>Studujte kurz \u00fa\u010detnictv\u00ed<\/span><\/a><\/span><\/span>\n<h2><span class=\"ez-toc-section\" id=\"Kreditni_karta\"><\/span>Kreditn\u00ed karta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chcete-li vyu\u017e\u00edvat kreditn\u00ed kartu, mus\u00edte svou banku o jej\u00ed vyd\u00e1n\u00ed po\u017e\u00e1dat. Jedn\u00e1 se o samostatnou slu\u017ebu, kter\u00e1 nen\u00ed z\u00e1visl\u00e1 na vlastnictv\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu u dan\u00e9 banky. Ne\u017e banka vyd\u00e1n\u00ed kreditn\u00ed karty schv\u00e1l\u00ed, <strong>prov\u011b\u0159\u00ed si v\u00e1s<\/strong>. Jak? Ov\u011b\u0159\u00ed si va\u0161e p\u0159\u00edjmy, v\u00fddaje. Pod\u00edv\u00e1 se i do registru dlu\u017en\u00edk\u016f.<\/p>\n<p>Ji\u017e d\u00e1vno neplat\u00ed, \u017ee je kreditn\u00ed karta z\u00e1le\u017eitost\u00ed snob\u016f. Banky sice pe\u010dliv\u011b prov\u011b\u0159uj\u00ed bonitu klient\u016f, ne\u017e jim kreditn\u00ed kartu vystav\u00ed. Nicm\u00e9n\u011b v\u00a0posledn\u00edch letech se podm\u00ednky pro vyd\u00e1n\u00ed u v\u011bt\u0161iny bank zm\u00edrnily. M\u00e1te-li alespo\u0148 <a href=\"https:\/\/orangeacademy.cz\/clanky\/prumerna-mzda-v-cesku\/\" target=\"_blank\" rel=\"noopener\">pr\u016fm\u011brn\u00fd p\u0159\u00edjem<\/a>, v\u011bt\u0161inou na kreditn\u00ed kartu dos\u00e1hnete.<\/p>\n<blockquote><p><em>Poplatek za veden\u00ed \u00fa\u010dtu ke kreditn\u00ed kart\u011b se odv\u00edj\u00ed od toho, jak \u010dasto ji pou\u017e\u00edv\u00e1te. Pokud s\u00a0n\u00ed zaplat\u00edte minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku u obchodn\u00edk\u016f, banka v\u00e1m poplatek ne\u00fa\u010dtuje.<\/em><\/p><\/blockquote>\n<h3>V\u00fdhody p\u0159i platb\u011b kreditn\u00ed kartou<\/h3>\n<p>Pokud kreditn\u00ed kartu vyu\u017e\u00edv\u00e1te, krom\u011b bezplatn\u00e9ho veden\u00ed m\u00e1te i <strong>dal\u0161\u00ed v\u00fdhody<\/strong>.<\/p>\n<ul>\n<li>P\u0159i platb\u011b kreditn\u00ed kartou v\u00e1s banka \u010dasto odm\u011bn\u00ed \u2013 nap\u0159. z\u00edsk\u00e1te 0,5 % zp\u011bt z ka\u017ed\u00e9 platby, co\u017e se rovn\u00e1 p\u016fl procentn\u00ed slev\u011b.<\/li>\n<li>Poji\u0161t\u011bn\u00ed ochrany n\u00e1kupu.<\/li>\n<li>Prodlou\u017een\u00e1 z\u00e1ruka na zakoupen\u00e9 zbo\u017e\u00ed (nemus\u00edte nijak aktivovat, sta\u010d\u00ed jen zaplatit kreditn\u00ed kartou).<\/li>\n<\/ul>\n<p>Vlastn\u00edte ob\u011b karty, jak debetn\u00ed, tak i kreditn\u00ed a v\u00e1h\u00e1te, kterou p\u0159i placen\u00ed pou\u017e\u00edt? Vzhledem k v\u00fd\u0161e uveden\u00fdm v\u00fdhod\u00e1m plat\u00ed, <strong>pou\u017eijte v\u017edy tu kreditn\u00ed<\/strong>.<\/p>\n<h3>Jak funguje m\u011bs\u00ed\u010dn\u00ed vyrovn\u00e1n\u00ed dluhu na kreditn\u00ed kart\u011b?<\/h3>\n<p>Jak jsme ji\u017e zm\u00ednili, <strong>kreditn\u00ed karta je druh \u00fav\u011bru<\/strong>. Banka v\u00e1m p\u016fj\u010duje pen\u00edze, za kter\u00e9 nakupujete. Na p\u0159\u00edkladu si uk\u00e1\u017eeme, jak to funguje v praxi. Pokud v\u00a0jednom m\u011bs\u00edci utrat\u00edte nap\u0159. \u010d\u00e1stku 5\u00a0000 K\u010d. V\u00a0dal\u0161\u00edm m\u011bs\u00edci tuto \u010d\u00e1stku na kreditn\u00ed \u00fa\u010det za\u0161lete zp\u011bt, neplat\u00edte \u00faroky ani poplatky.<\/p>\n<p>Ve\u0161ker\u00e9 transakce kreditn\u00ed kartou a stav sv\u00e9ho kreditn\u00edho \u00fa\u010dtu vid\u00edte ve sv\u00e9m <a href=\"https:\/\/orangeacademy.cz\/clanky\/sporici-ucet\/\" target=\"_blank\" rel=\"noopener\">internetov\u00e9m bankovnictv\u00ed<\/a>. Pokud na spl\u00e1cen\u00ed kreditky nechcete myslet, nastavte si pravidelnou platbu. Jedin\u00e9, co je t\u0159eba si ohl\u00eddat je, aby platba byla p\u0159ips\u00e1na na kreditn\u00ed \u00fa\u010det v\u010das.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5919\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni4.jpg\" alt=\"Kreditn\u00ed karta 3\" width=\"1200\" height=\"800\" srcset=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni4.jpg 1200w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni4-980x653.jpg 980w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni4-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1200px, 100vw\" \/><\/p>\n<h3>P\u0159ekvapil v\u00e1s nepl\u00e1novan\u00fd v\u00fddaj?<\/h3>\n<p>Zasko\u010dil v\u00e1s <strong>nepl\u00e1novan\u00fd v\u00fddaj<\/strong>? Pot\u0159ebujete vy\u0159e\u0161it nedostatek finan\u010dn\u00edch prost\u0159edk\u016f na sv\u00e9m bankovn\u00edm \u00fa\u010dtu na konci m\u011bs\u00edce? \u010cek\u00e1te na platbu od z\u00e1kazn\u00edka, kter\u00e1 se zpozdila? Dostali jste se tak do <a href=\"https:\/\/orangeacademy.cz\/clanky\/pohledavka-definice-druhy-uctovani\/\" target=\"_blank\" rel=\"noopener\">platebn\u00ed neschopnosti<\/a>? To v\u0161e jsou situace, kdy v\u00e1m m\u016f\u017ee kreditn\u00ed karta pomoci. Vy\u0159e\u0161\u00ed za v\u00e1s t\u00ed\u017eivou aktu\u00e1ln\u00ed situaci a platbu m\u016f\u017eete \u201eodlo\u017eit\u201c a\u017e o 55 dn\u00ed (bez\u00faro\u010dn\u00e9 obdob\u00ed). Pen\u00edze m\u016f\u017eete m\u00edt p\u016fj\u010deny samoz\u0159ejm\u011b i d\u00e9le, pak je ji\u017e ale \u010d\u00e1stka \u00faro\u010dena dle platn\u00fdch cen\u00edk\u016f dan\u00e9 banky.<\/p>\n<span class='mb-center maxbutton-12-center'><span class='maxbutton-12-container mb-container'><a class=\"maxbutton-12 maxbutton maxbutton-kurz-ucetnictvi-online\" target=\"_blank\" title=\"Kurz \u00fa\u010detnictv\u00ed online\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/kurzy-ucetnictvi\/kurz-ucetnictvi-online\/\"><span class='mb-text'>Studujte kurz \u00fa\u010detnictv\u00ed 100% online<\/span><\/a><\/span><\/span>\n<h3>Pozor na konec bez\u00faro\u010dn\u00e9ho obdob\u00ed<\/h3>\n<p>Kreditn\u00ed karta pln\u00ed funkci v\u00fdhodn\u00e9 p\u016fj\u010dky pouze v\u00a0p\u0159\u00edpad\u011b, \u017ee zvl\u00e1d\u00e1te vyu\u017e\u00edvat bez\u00faro\u010dn\u00e9 obdob\u00ed. Dost\u00e1v\u00e1te se \u010dasto do situace, \u017ee dluh v\u00a0t\u00e9to dob\u011b splatit nestihnete? Pod\u00edvejte se i po jin\u00fdch \u00fav\u011brov\u00fdch produktech. \u010casto jsou \u00faro\u010deny v\u00fdhodn\u011bji, ne\u017e \u00fav\u011br z kreditn\u00ed karty. Kreditn\u00ed karty jsou \u010dasto \u00faro\u010deny \u00farokovou sazbou <strong>a\u017e 30 procent<\/strong>.<\/p>\n<h3>Cestov\u00e1n\u00ed s\u00a0kreditn\u00ed kartou<\/h3>\n<p>\u010casto a r\u00e1di cestujete? Chcete si na dovolen\u00e9 p\u016fj\u010dit auto z p\u016fj\u010dovny? Je pravd\u011bpodobn\u00e9, \u017ee bez kreditn\u00ed karty to nebude mo\u017en\u00e9. Podobn\u00e1 situace m\u016f\u017ee nastat u samoobslu\u017en\u00e9 \u010derpac\u00ed stanice. Toto m\u016f\u017ee b\u00fdt probl\u00e9m v\u00a0neobydlen\u00fdch oblastech s\u00a0ni\u017e\u0161\u00ed frekvenc\u00ed \u010derpac\u00edch stanic (Kanada, Austr\u00e1lie, USA) a je t\u0159eba s\u00a0t\u00edm po\u010d\u00edtat. Z\u00e1lohu z\u00a0kreditn\u00ed karty vy\u017eaduj\u00ed tak\u00e9 velk\u00e9 hotelov\u00e9 \u0159et\u011bzce.<\/p>\n<p>Velkou v\u00fdhodou kreditn\u00ed karty na cest\u00e1ch je tak\u00e9 <strong>finan\u010dn\u00ed rezerva<\/strong>. Nikdy nev\u00edte, co se m\u016f\u017ee st\u00e1t.<\/p>\n<h3>Chyby p\u0159i pou\u017e\u00edv\u00e1n\u00ed kreditn\u00ed karty<\/h3>\n<p>Chcete vyu\u017e\u00edvat v\u00fdhod kreditn\u00ed karty? <strong>Nepou\u017e\u00edvejte ji jako kartu debetn\u00ed<\/strong>. Mus\u00edte pochopit, na jak\u00e9m principu kreditn\u00ed karta funguje. Jinak se o jej\u00ed v\u00fdhody ochud\u00edte.<\/p>\n<p>Banka, kter\u00e1 v\u00e1m vyd\u00e1 kreditn\u00ed kartu, stanov\u00ed limit, kter\u00fd je na kart\u011b nastaven. M\u00e1te tedy k\u00a0dispozici tuto \u010d\u00e1stku, kterou v\u00e1m banka garantuje zap\u016fj\u010dit. Va\u0161e pen\u00edze tedy le\u017e\u00ed na va\u0161em \u00fa\u010dtu, zat\u00edmco utr\u00e1c\u00edte <a href=\"https:\/\/orangeacademy.cz\/clanky\/hypotecni-uver\/\" target=\"_blank\" rel=\"noopener\">pen\u00edze zap\u016fj\u010den\u00e9 bankou<\/a>.<\/p>\n<p>Nevyb\u00edrejte kreditn\u00ed kartou pen\u00edze z\u00a0bankomatu. Ano, je to mo\u017en\u00e9. Nen\u00ed to ale v\u00fdhodn\u00e9, a to hned ze dvou d\u016fvod\u016f:<\/p>\n<ul>\n<li>poplatek za v\u00fdb\u011br je vysok\u00fd,<\/li>\n<li>vybran\u00e1 \u010d\u00e1stka je \u00faro\u010dena ihned.<\/li>\n<\/ul>\n<p>Bez\u00faro\u010dn\u00e9 obdob\u00ed plat\u00ed pro platby u obchodn\u00edk\u016f.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5917\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni2.jpg\" alt=\"Kreditn\u00ed karta 4\" width=\"1200\" height=\"800\" srcset=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni2.jpg 1200w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni2-980x653.jpg 980w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/debetni-vs-kreditni2-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1200px, 100vw\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kreditni_karta_neni_kontokorent\"><\/span>Kreditn\u00ed karta nen\u00ed kontokorent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dal\u0161\u00ed mo\u017enost\u00ed kr\u00e1tkodob\u00e9ho \u00fav\u011bru je sjedn\u00e1n\u00ed tzv. <strong>kontokorentu<\/strong>. Jedn\u00e1 se o limit, kter\u00fd stanov\u00ed va\u0161e banka v\u00a0z\u00e1vislosti na va\u0161em p\u0159\u00edjmu a z\u016fstatku na \u00fa\u010dtu. O tuto \u010d\u00e1stku m\u016f\u017eete sv\u016fj b\u011b\u017en\u00fd \u00fa\u010det p\u0159e\u010derpat. J\u00edt do minusu. Kreditn\u00ed karta m\u00e1 velkou v\u00fdhodu oproti kontokorentu. Tou je <strong>bez\u00faro\u010dn\u00e9 obdob\u00ed<\/strong>. Kontokorent je \u00faro\u010den ode dne p\u0159ekro\u010den\u00ed limitu. \u00darokov\u00e9 sazby jsou ale v\u00fdhodn\u011bj\u0161\u00ed, ne\u017e u kreditn\u00edch karet.<\/p>\n<h3>Jak\u00fdm zp\u016fsobem dluh bance spl\u00e1c\u00edte?<\/h3>\n<p>U kontokorentu se va\u0161e dal\u0161\u00ed vklady automaticky pou\u017eij\u00ed <strong>nejprve na uhrazen\u00ed dluhu<\/strong>. Poplatky za kontokorent b\u00fdvaj\u00ed n\u00edzk\u00e9, p\u0159\u00edpadn\u011b jsou v cen\u011b bal\u00ed\u010dku slu\u017eeb, kter\u00fd od banky vyu\u017e\u00edv\u00e1te.\u00a0U kreditn\u00ed karty m\u00e1te stanovenu minim\u00e1ln\u00ed v\u00fd\u0161i spl\u00e1tky. Poplatky za kreditn\u00ed kartu se odv\u00edj\u00ed od rozsahu nadstandardn\u00edch slu\u017eeb.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Zaver\"><\/span>Z\u00e1v\u011br<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>V posledn\u00ed dob\u011b sledujeme zvy\u0161uj\u00edc\u00ed se trend ve vyu\u017eit\u00ed ciz\u00edch (p\u016fj\u010den\u00fdch) pen\u011bz p\u0159i n\u00e1kupech. V \u010dl\u00e1nku jsme si shrnuli z\u00e1kladn\u00ed rozd\u00edly mezi debetn\u00edm a kreditn\u00edm \u00fa\u010dtem. Popsali jsme v\u00fdhody vyu\u017eit\u00ed kr\u00e1tkodob\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Je ji\u017e na v\u00e1s, zda tento trend vyu\u017eijete nebo se rozhodnete hospoda\u0159it s t\u00edm, co je va\u0161e. Z\u00e1le\u017e\u00ed na va\u0161\u00ed povaze a zp\u016fsobu hospoda\u0159en\u00ed s financemi. M\u016f\u017eete v\u00fdhody jednotliv\u00fdch produkt\u016f kombinovat. Kreditkou platit u obchodn\u00edk\u016f, vyu\u017e\u00edvat v\u00fdhody kreditn\u00ed karty p\u0159i cestov\u00e1n\u00ed. A ostatn\u00ed pravideln\u00e9 platby platit ze sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu.<\/p>\n<p>&nbsp;<\/p>\n<span class='mb-center maxbutton-4-center'><span class='maxbutton-4-container mb-container'><a class=\"maxbutton-4 maxbutton maxbutton-rekvalifikacni-kurzy-2\" target=\"_blank\" title=\"Rekvalifika\u010dn\u00ed kurzy\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/rekvalifikacni-kurzy\/\"><span class='mb-text'>Studujte rekvalifika\u010dn\u00ed kurzy<\/span><\/a><\/span><\/span>\n","protected":false},"excerpt":{"rendered":"<p>L\u00e1k\u00e1 v\u00e1s \u017e\u00edt tzv. na kreditn\u00ed kartu? V\u00edte, jak\u00fd je vlastn\u011b rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou? Jak\u00e9 dal\u0161\u00ed v\u00fdhody v\u00e1m kreditn\u00ed karta p\u0159inese? Nebo je to pro v\u00e1s zat\u00edm tabu a vyh\u00fdb\u00e1te se jej\u00edmu po\u0159\u00edzen\u00ed? Hlavn\u00ed v\u00fdhody a nev\u00fdhody si shrneme v\u00a0tomto \u010dl\u00e1nku. Jak\u00fd je rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou? Na prvn\u00ed pohled [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":5916,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[166,310,147],"class_list":["post-5915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","tag-finance","tag-penize","tag-tipy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kreditn\u00ed karta \u2013 vyu\u017e\u00edv\u00e1te v\u0161echny jej\u00ed v\u00fdhody?<\/title>\n<meta name=\"description\" content=\"Jak\u00fd je rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou? Jak\u00e9 dal\u0161\u00ed v\u00fdhody v\u00e1m kreditn\u00ed karta p\u0159inese? 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