[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.trivero.cz\/debetni-a-kreditni-karta-jaky-je-rozdil\/#Article","mainEntityOfPage":"https:\/\/www.trivero.cz\/debetni-a-kreditni-karta-jaky-je-rozdil\/","headline":"Debetn\u00ed a kreditn\u00ed karta \u2013 jak\u00fd je rozd\u00edl?","name":"Debetn\u00ed a kreditn\u00ed karta \u2013 jak\u00fd je rozd\u00edl?","description":"Mo\u017en\u00e1 m\u00e1te zku\u0161enost s t\u00edm, \u017ee vlastn\u00edte n\u011bkolikero karet a to, jak\u00e9 typy karet to jsou, moc ne\u0159e\u0161\u00edte. Je ale pot\u0159eba v\u011bd\u011bt, \u017ee ka\u017ed\u00e1 karta m\u00e1 jinou funkci a jinak se vyplat\u00ed. V kostce se d\u00e1 \u0159\u00edct, \u017ee kreditn\u00ed karty v\u00e1s v\u00edce v\u00e1\u017eou k va\u0161emu bankovn\u00edmu domu. Jak to? Na to se poj\u010fme pod\u00edvat. Kreditn\u00ed karty Pom\u011brn\u011b hojn\u011b […]","datePublished":"2023-05-05","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.trivero.cz\/author\/#Person","name":"trivero.cz\n","url":"https:\/\/www.trivero.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c97be8873d84c78e7a3da39294dc9e209ea44cdddcf1d79ac5ad761aa3cfc7f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c97be8873d84c78e7a3da39294dc9e209ea44cdddcf1d79ac5ad761aa3cfc7f?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"trivero.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.trivero.cz\/wp-content\/uploads\/img_a308835_w2198_t1519848609.jpg","url":"https:\/\/www.trivero.cz\/wp-content\/uploads\/img_a308835_w2198_t1519848609.jpg","height":0,"width":0},"url":"https:\/\/www.trivero.cz\/debetni-a-kreditni-karta-jaky-je-rozdil\/","about":["Podnik\u00e1n\u00ed"],"wordCount":474,"articleBody":"Mo\u017en\u00e1 m\u00e1te zku\u0161enost s t\u00edm, \u017ee vlastn\u00edte n\u011bkolikero karet a to, jak\u00e9 typy karet to jsou, moc ne\u0159e\u0161\u00edte. Je ale pot\u0159eba v\u011bd\u011bt, \u017ee ka\u017ed\u00e1 karta m\u00e1 jinou funkci a jinak se vyplat\u00ed. V kostce se d\u00e1 \u0159\u00edct, \u017ee kreditn\u00ed karty v\u00e1s v\u00edce v\u00e1\u017eou k va\u0161emu bankovn\u00edmu domu. Jak to? Na to se poj\u010fme pod\u00edvat.Kreditn\u00ed kartyPom\u011brn\u011b hojn\u011b je dost\u00e1v\u00e1me jako ur\u010dit\u00fd bonus k na\u0161emu \u00fa\u010dtu a na\u0161im kart\u00e1m debetn\u00edm. M\u00e1lokdo si o kreditn\u00ed kartu vylo\u017een\u011b \u0159ekne. \u00da\u010delem kreditn\u00ed karty je toti\u017e v\u00e1m v podstat\u011b poskytnout p\u016fj\u010dku, ani\u017e by to tak bylo vylo\u017een\u011b pod\u00e1no. Kreditn\u00ed karta je v\u00e1m vyd\u00e1na k va\u0161emu \u00fa\u010dtu, ale pen\u00edze na n\u00ed va\u0161e nejsou. Utr\u00e1c\u00edte tedy prost\u0159edky banky, kter\u00e9 jsou nastaveny nap\u0159\u00edklad na 30.000 pro za\u010d\u00e1tek. Potom z\u00e1le\u017e\u00ed na tom, o jak\u00e9ho klienta se jedn\u00e1. Banky v\u00e1m jsou schopny poskytnout prost\u0159edky mnohem vy\u0161\u0161\u00ed. Obvykl\u00e1 praxe bank je v\u00e1m poskytnout k va\u0161\u00ed debetn\u00ed kart\u011b i tu kreditn\u00ed s r\u016fzn\u00fdmi v\u00fdhodami. Je pot\u0159eba tak\u00e9 m\u00edt na pam\u011bti to, \u017ee jsou si oba typy karet velmi podobn\u00e9. \u010casto je od sebe v\u016fbec nerozezn\u00e1te. U kreditn\u00edch karet je v\u00e1m nab\u00edzeno velk\u00e9 mno\u017estv\u00ed bonus\u016f, ale pop\u0159em\u00fd\u0161lejte, zda je pot\u0159ebujete a vyu\u017eijete. Mezi bonusy pat\u0159\u00ed nap\u0159\u00edklad bez\u00faro\u010dn\u00e9 dny, r\u016fzn\u00e1 poji\u0161t\u011bn\u00ed, mo\u017enost placen\u00ed po cel\u00e9m sv\u011bt\u011b, n\u011bjak\u00e9 procento pen\u011bz zp\u011bt p\u0159i placen\u00ed touto kartou (tzv. cashback) apod. Pokud kreditku m\u00e1te, pod\u00edvejte se, jak\u00fd na n\u00ed m\u00e1te \u00farok. B\u011b\u017en\u011b se \u00faro\u010d\u00ed a\u017e t\u0159iceti procenty, ale jsou karty, kter\u00e9 v\u00e1m nab\u00eddnou „jen“ 9,9%. Pozor tak\u00e9 na v\u00fdb\u011bry z bankomat\u016f. Za ty zaplat\u00edte a\u017e 100,- K\u010d.Debetn\u00ed kartyDebetn\u00ed karty disponuj\u00ed va\u0161imi osobn\u00edmi prost\u0159edky z va\u0161eho \u00fa\u010dtu. To znamen\u00e1, \u017ee v\u00e1m na n\u011b chod\u00ed v\u00fdplaty \u010di tr\u017eby a i kdy\u017e m\u00e1te mo\u017enost p\u0159e\u010derpat, plat\u00edte va\u0161imi pen\u011bzi. V posledn\u00ed dob\u011b maj\u00ed banky v praxi v\u00e1m na \u00fa\u010dtu opticky p\u0159idat hodnotu p\u0159e\u010derp\u00e1n\u00ed k va\u0161im pen\u011bz\u016fm a vy potom mus\u00edte v\u011bnovat v\u00edce pozornosti tomu, kolik va\u0161ich pen\u011bz m\u00e1te k dispozici. To je praxe, se kterou nejde nic d\u011blat, banky tak nastavuj\u00ed elektronick\u00e1 bankovnictv\u00ed. Ka\u017edop\u00e1dn\u011b, i kdy\u017e p\u0159e\u010derp\u00e1te, nen\u00ed \u00farok tak vysok\u00fd jako na kart\u011b kreditn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Debetn\u00ed a kreditn\u00ed karta \u2013 jak\u00fd je rozd\u00edl?","item":"https:\/\/www.trivero.cz\/debetni-a-kreditni-karta-jaky-je-rozdil\/#breadcrumbitem"}]}]