[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.klipo.cz\/jaky-je-rozdil-mezi-platebni-a-debetni-kartou\/#Article","mainEntityOfPage":"https:\/\/www.klipo.cz\/jaky-je-rozdil-mezi-platebni-a-debetni-kartou\/","headline":"Jak\u00fd je rozd\u00edl mezi platebn\u00ed a debetn\u00ed kartou?","name":"Jak\u00fd je rozd\u00edl mezi platebn\u00ed a debetn\u00ed kartou?","description":"Jak\u00fd je tedy rozd\u00edl mezi t\u011bmito dv\u011bma kartami? Je dost podstatn\u00fd. Spoustu lid\u00ed pou\u017e\u00edv\u00e1 pro...","datePublished":"2022-10-25","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.klipo.cz\/author\/#Person","name":"","url":"https:\/\/www.klipo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"klipo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.klipo.cz\/wp-content\/uploads\/pexels-kindel-media-6994193.jpg","url":"https:\/\/www.klipo.cz\/wp-content\/uploads\/pexels-kindel-media-6994193.jpg","height":0,"width":0},"url":"https:\/\/www.klipo.cz\/jaky-je-rozdil-mezi-platebni-a-debetni-kartou\/","about":["Domov"],"wordCount":414,"articleBody":"       Jak\u00fd je tedy rozd\u00edl mezi t\u011bmito dv\u011bma kartami? Je dost podstatn\u00fd. Spoustu lid\u00ed pou\u017e\u00edv\u00e1 pro ozna\u010dov\u00e1n\u00ed karty, kterou maj\u00ed k sv\u00e9mu \u00fa\u010dtu pojem \u201ekreditka\u201c. Ve skute\u010dnosti se ale o kreditn\u00ed kartu nejedn\u00e1.Pokud si z\u0159\u00edd\u00edte u banky b\u011b\u017en\u00fd \u00fa\u010det, dostanete k n\u00ed debetn\u00ed kartu. Prost\u0159ednictv\u00edm t\u00e9to karty m\u016f\u017eete vyu\u017e\u00edvat pen\u00edze, kter\u00e9 m\u00e1te na sv\u00e9m bankovn\u00edm \u00fa\u010dtu, to znamen\u00e1 \u017ee s n\u00ed m\u016f\u017eete platit u obchodn\u00edk\u016f, vyb\u00edrat pen\u00edze z bankomat\u016f a podobn\u011b. M\u016f\u017eete pomoc\u00ed n\u00ed ale disponovat pouze pen\u011bzi, kter\u00e9 skute\u010dn\u011b na sv\u00e9m \u00fa\u010dtu m\u00e1te. To znamen\u00e1, \u017ee, jestli\u017ee v\u00e1\u0161 n\u00e1kup stoj\u00ed 101 korun, a na \u00fa\u010dtu m\u00e1te pouze 100, nem\u016f\u017eete s n\u00ed zaplatit. Jin\u00e1 v\u011bc je, pokud m\u00e1te k sv\u00e9mu \u00fa\u010dtu z\u0159\u00edzen\u00fd povolen\u00fd debet, kter\u00fd v\u00e1s pust\u00ed i do m\u00ednusov\u00e9 \u010d\u00e1stkyKreditn\u00ed karta v\u00e1m umo\u017en\u00ed vyu\u017e\u00edvat pen\u00edze banky. V podstat\u011b si je od n\u00ed p\u016fj\u010dujete. Kartu si sjedn\u00e1te do v\u00fd\u0161e ur\u010dit\u00e9ho limitu a ten m\u016f\u017eete m\u011bs\u00ed\u010dn\u011b vyu\u017e\u00edvat. T\u0159eba 10 000 k\u010d. Pak m\u016f\u017eete s t\u011bmito pen\u011bzi nakl\u00e1dat, jako byste je vlastnili na b\u011b\u017en\u00e9m \u00fa\u010dtu.Pen\u00edze mus\u00edte ale na kreditn\u00ed kartu samoz\u0159ejm\u011b vr\u00e1tit. Banky nab\u00edz\u00ed v\u011bt\u0161inou ur\u010dit\u00fd \u010das, kdy je mo\u017eno pen\u00edze vr\u00e1tit bez \u00fa\u010dtov\u00e1n\u00ed poplatk\u016f a \u00farok\u016f. Pokud stanoven\u00fd \u010das p\u0159es\u00e1hnete, budete nav\u00edc k \u010d\u00e1stce, kterou vrac\u00edte, platit i \u00faroky. N\u011bkter\u00e9 banky si \u00fa\u010dtuj\u00ed poplatky i za veden\u00ed karty. Proto vyb\u00edrejte, kter\u00e1 pro v\u00e1s bude nejv\u00fdhodn\u011bj\u0161\u00ed.Kreditn\u00ed karta je pro v\u00e1s skv\u011blou volbou, pokud chcete m\u00edt nap\u0159\u00edklad rezervu, kdyby v\u00e1m n\u00e1hle vypadl pravideln\u00fd p\u0159\u00edjem a vy pot\u0159ebovali n\u011bco neodkladn\u011b zaplatit. Tak si zkr\u00e1tka pomoc\u00ed kreditky p\u016fj\u010d\u00edte pen\u00edze od banky. Tato mo\u017enost je ale vhodn\u00e1 jenom pokud pot\u0159ebujete \u201ep\u016fj\u010dit\u201c pen\u00edze na kr\u00e1tkou dobu a malou \u010d\u00e1stku, maxim\u00e1ln\u011b v hodnot\u011b n\u011bkolika des\u00edtek tis\u00edc. Pokud pot\u0159ebujete v\u011bt\u0161\u00ed \u010d\u00e1stku, m\u016f\u017eete zvolit t\u0159eba americkou hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu. Na t\u00e9 z\u00edsk\u00e1te lep\u0161\u00ed podm\u00ednky ne\u017e na kreditn\u00ed kart\u011b, v\u010detn\u011b dlouh\u00e9 doby spl\u00e1cen\u00ed a ni\u017e\u0161\u00edho \u00faroku.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00fd je rozd\u00edl mezi platebn\u00ed a debetn\u00ed kartou?","item":"https:\/\/www.klipo.cz\/jaky-je-rozdil-mezi-platebni-a-debetni-kartou\/#breadcrumbitem"}]}]