[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.matask.cz\/vse-co-potrebujete-vedet-o-platebnich-kartach\/#Article","mainEntityOfPage":"https:\/\/www.matask.cz\/vse-co-potrebujete-vedet-o-platebnich-kartach\/","headline":"V\u0161e, co pot\u0159ebujete v\u011bd\u011bt o platebn\u00edch kart\u00e1ch","name":"V\u0161e, co pot\u0159ebujete v\u011bd\u011bt o platebn\u00edch kart\u00e1ch","description":"Mo\u017en\u00e1 byste se divili, ale i v dne\u0161n\u00ed dob\u011b st\u00e1le existuj\u00ed lid\u00e9, kte\u0159\u00ed neznaj\u00ed rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou. I p\u0159esto, \u017ee se mohou zmi\u0148ovat, \u017ee maj\u00ed kartu kreditn\u00ed, maj\u00ed pouze kartu debetn\u00ed. Debetn\u00ed karta je ta, kter\u00e1 pat\u0159\u00ed k va\u0161emu b\u011b\u017en\u00e9mu bankovn\u00edmu \u00fa\u010dtu. M\u016f\u017ee se tedy jednat o \u00fa\u010det, kam v\u00e1m nap\u0159\u00edklad chod\u00ed […]","datePublished":"2019-03-12","dateModified":"2019-03-12","author":{"@type":"Person","@id":"https:\/\/www.matask.cz\/author\/#Person","name":"","url":"https:\/\/www.matask.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"matask.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.matask.cz\/wp-content\/uploads\/img_a339465_w2298_t1552732893.jpg","url":"https:\/\/www.matask.cz\/wp-content\/uploads\/img_a339465_w2298_t1552732893.jpg","height":0,"width":0},"url":"https:\/\/www.matask.cz\/vse-co-potrebujete-vedet-o-platebnich-kartach\/","wordCount":408,"articleBody":"Mo\u017en\u00e1 byste se divili, ale i v dne\u0161n\u00ed dob\u011b st\u00e1le existuj\u00ed lid\u00e9, kte\u0159\u00ed neznaj\u00ed rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou. I p\u0159esto, \u017ee se mohou zmi\u0148ovat, \u017ee maj\u00ed kartu kreditn\u00ed, maj\u00ed pouze kartu debetn\u00ed. Debetn\u00ed karta je ta, kter\u00e1 pat\u0159\u00ed k va\u0161emu b\u011b\u017en\u00e9mu bankovn\u00edmu \u00fa\u010dtu. M\u016f\u017ee se tedy jednat o \u00fa\u010det, kam v\u00e1m nap\u0159\u00edklad chod\u00ed v\u00fdplata. U tohoto typu \u010derp\u00e1te a utr\u00e1c\u00edte sv\u00e9 pen\u00edze, kter\u00e9 jsou va\u0161e. U n\u011bkter\u00fdch bank je dokonce mo\u017en\u00e9 zvolit si \u010d\u00e1stku, kterou m\u016f\u017eete \u010derpat do m\u00ednusu. Ke konci obdob\u00ed je mo\u017en\u00e9 m\u00edt na \u00fa\u010dtu kontokorent a\u017e kolem deseti tis\u00edc. Pokud v\u00e1m na dan\u00fd \u00fa\u010det chod\u00ed pravideln\u00e1 mzda, po v\u00fdplat\u011b se dluh vyrovn\u00e1 a to p\u0159i\u0161l\u00fdmi pen\u011bzi. V t\u00e9to chv\u00edli se chov\u00e1 jako karta kreditn\u00ed. Kreditn\u00ed karta m\u00e1 ale \u00fapln\u011b jin\u00fd princip. B\u00fdv\u00e1 \u010dasto ozna\u010dov\u00e1na jako \u00fav\u011brov\u00e1. Jak u\u017e samotn\u00fd n\u00e1zev napov\u00edd\u00e1, u kreditn\u00ed karty si nastavujete kredit, kter\u00fd je mo\u017en\u00fd \u010derpat. D\u016fle\u017eit\u00e9 je uv\u011bdomit si, \u017ee ne\u010derp\u00e1te z pen\u011bz vlastn\u00edch, ale p\u016fj\u010dujete si je od banky, kter\u00e1 kartu vydala. D\u00e1 se tedy \u0159\u00edct, \u017ee utr\u00e1c\u00edte na dluh. K tomu v\u0161emu m\u00e1te stanoven\u00fd term\u00edn, do kter\u00e9ho je pot\u0159eba pen\u00edze splatit, aby nedo\u0161lo k p\u0159ipo\u010dten\u00ed \u00farok\u016f. Splat\u00edte tedy stejnou \u010d\u00e1stku, jakou byla ta, kterou jste utratili. Po uplynut\u00ed dan\u00e9 doby m\u016f\u017ee b\u00fdt \u00farok velmi vysok\u00fd a to a\u017e v n\u011bkolika des\u00edtk\u00e1ch procent. Kreditn\u00ed karty b\u00fdvaj\u00ed velmi obl\u00edben\u00e9 hlavn\u011b v zahrani\u010d\u00ed. D\u00e1vejte si ale pozor, abyste se nedostali k tomu, \u017ee byste museli spl\u00e1cet dluh i n\u011bkolik let. Oba druhy se mohou na prvn\u00ed pohled zd\u00e1t okem nerozli\u0161iteln\u00e9. U ka\u017ed\u00e9ho ale plat\u00ed jin\u00e1 pravidla a hlavn\u011b podm\u00ednky. S kartou debetn\u00ed jsou spojeny r\u016fzn\u00e9 poplatky nebo penalizace. Z karty \u00fav\u011brov\u00e9 m\u016f\u017ee doj\u00edt k n\u00e1r\u016fstu \u00farok\u016f. M\u00e1lokdo v\u00ed, \u017ee jejich rozmach p\u0159i\u0161el ji\u017e v devades\u00e1t\u00fdch letech minul\u00e9ho stolet\u00ed a to konkr\u00e9tn\u011b v USA. V dne\u0161n\u00ed dob\u011b jsou pou\u017e\u00edv\u00e1ny v r\u016fzn\u00fdch form\u00e1ch a to hned po cel\u00e9m sv\u011bt\u011b.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u0161e, co pot\u0159ebujete v\u011bd\u011bt o platebn\u00edch kart\u00e1ch","item":"https:\/\/www.matask.cz\/vse-co-potrebujete-vedet-o-platebnich-kartach\/#breadcrumbitem"}]}]