[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.praam.cz\/kreditka-versus-debetka\/#Article","mainEntityOfPage":"https:\/\/www.praam.cz\/kreditka-versus-debetka\/","headline":"Kreditka versus debetka","name":"Kreditka versus debetka","description":"Pojem \u201ekreditka\u201c je mezi lidmi mnohem roz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a v\u00edce pou\u017e\u00edvan\u011bj\u0161\u00ed. Probl\u00e9m je, \u017ee spousta lid\u00ed tento term\u00edn pou\u017e\u00edv\u00e1 \u0161patn\u011b a velk\u00e1 \u010d\u00e1st spole\u010dnosti ani nezn\u00e1 rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou. 
 Kreditn\u00ed karta je tedy druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru a nen\u00ed propojena s b\u011b\u017en\u00fdm \u00fa\u010dtem. S kreditn\u00ed kartou \u010derp\u00e1te pen\u00edze, kter\u00e9 v\u00e1m p\u016fj\u010duje banka a […]","datePublished":"2023-05-03","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.praam.cz\/author\/#Person","name":"","url":"https:\/\/www.praam.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"praam.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.praam.cz\/kreditka-versus-debetka\/","wordCount":416,"articleBody":"Pojem \u201ekreditka\u201c je mezi lidmi mnohem roz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a v\u00edce pou\u017e\u00edvan\u011bj\u0161\u00ed. Probl\u00e9m je, \u017ee spousta lid\u00ed tento term\u00edn pou\u017e\u00edv\u00e1 \u0161patn\u011b a velk\u00e1 \u010d\u00e1st spole\u010dnosti ani nezn\u00e1 rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou.
 Kreditn\u00ed karta je tedy druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru a nen\u00ed propojena s b\u011b\u017en\u00fdm \u00fa\u010dtem. S kreditn\u00ed kartou \u010derp\u00e1te pen\u00edze, kter\u00e9 v\u00e1m p\u016fj\u010duje banka a mus\u00edte je tak\u00e9 do ur\u010dit\u00e9 doby vr\u00e1tit, t\u00e9to dob\u011b se \u0159\u00edk\u00e1 bez\u00faro\u010dn\u00e9 obdob\u00ed. Bez\u00faro\u010dn\u00e9 obdob\u00ed b\u00fdv\u00e1 v\u011bt\u0161inou 40 a\u017e 45 dn\u00ed, v n\u011bkter\u00fdch spole\u010dnostech m\u016f\u017ee b\u00fdt i 60 dn\u00ed. Pokud tedy pen\u00edze stihnete vr\u00e1tit v\u010das, neplat\u00edte \u00faroky, pokud to nestihnete, plat\u00edte pom\u011brn\u011b vysok\u00fd sank\u010dn\u00ed \u00farok, ten se pohybuje kolem 20 \u2013 25%. Pokud s kartou neplat\u00edte v obchodech \u010dasto, kreditn\u00ed karta se v\u00e1m moc nevyplat\u00ed, proto\u017ee poplatek za jej\u00ed vyd\u00e1n\u00ed m\u016f\u017ee b\u00fdt vy\u0161\u0161\u00ed, ne\u017e v\u00fdhody, kter\u00e1 v\u00e1m banka ke kreditn\u00ed kart\u011b poskytne.
 Pr\u00e1v\u011b debetn\u00ed karta slou\u017e\u00ed k b\u011b\u017en\u00e9mu placen\u00ed v obchod\u011b z vlastn\u00edho bankovn\u00edho \u00fa\u010dtu a vlastn\u00edch naspo\u0159en\u00fdch pen\u011bz. Debetn\u00ed kartu tak pou\u017e\u00edv\u00e1 v\u011bt\u0161ina lid\u00ed v na\u0161\u00ed spole\u010dnosti a \u010dasto ji dostanete zdarma p\u0159i zalo\u017een\u00ed bankovn\u00edho \u00fa\u010dtu.
 Vyplat\u00ed se tak m\u00edt ob\u011b karty, a pokud zrovna nem\u00e1me pen\u00edze, je dobr\u00e9 po\u017e\u00edvat kartu kreditn\u00ed.Rozd\u00edl je tak\u00e9 p\u0159i v\u00fdb\u011bru pen\u011bz z \u00fa\u010dtu, pokud vyb\u00edr\u00e1me pen\u00edze z bankomatu prost\u0159ednictv\u00edm kreditn\u00ed karty, je zde vy\u0161\u0161\u00ed poplatek za v\u00fdb\u011br, na vybran\u00e9 pen\u00edze se nevztahuje bez\u00faro\u010dn\u00e9 obdob\u00ed a roste tak\u00e9 \u00farokov\u00e1 sazba, kter\u00e1 se na \u00fav\u011br uplatn\u00ed. Naopak p\u0159i vyb\u00edr\u00e1n\u00ed pen\u011bz debetn\u00ed kartou v\u011bt\u0161inou nic neplat\u00edme, pop\u0159\u00edpad\u011b jen p\u00e1r korun.
 Slovo kreditn\u00ed karta jsme p\u0159evzali zejm\u00e9na z americk\u00fdch seri\u00e1l\u016f, kde b\u011b\u017en\u011b v\u0161ichni plat\u00ed kreditn\u00ed kartou, tady ale v\u011bt\u0161ina lid\u00ed vyu\u017e\u00edv\u00e1 tu pravou a debetn\u00ed karty se v USA pou\u017e\u00edvaj\u00ed m\u00e9n\u011b a teprve se roz\u0161i\u0159uj\u00ed mezi lidmi. V \u010cesku byl tento v\u00fdvoj opa\u010dn\u00fd, po roce 1990 se u n\u00e1s za\u010daly roz\u0161i\u0159ovat debetn\u00ed karty a ty kreditn\u00ed se za\u010daly vyu\u017e\u00edvat a v posledn\u00edch n\u011bkolika letech.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditka versus debetka","item":"https:\/\/www.praam.cz\/kreditka-versus-debetka\/#breadcrumbitem"}]}]