[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tenergo.cz\/proc-je-vyhodna-kreditni-karta\/#Article","mainEntityOfPage":"https:\/\/www.tenergo.cz\/proc-je-vyhodna-kreditni-karta\/","headline":"Pro\u010d je v\u00fdhodn\u00e1 kreditn\u00ed karta?","name":"Pro\u010d je v\u00fdhodn\u00e1 kreditn\u00ed karta?","description":"Kreditn\u00ed karta je forma financov\u00e1n\u00ed, kterou v\u00e1m poskytne banka nebo nebankovn\u00ed spole\u010dnost. Pozor, kreditn\u00ed karta rozhodn\u011b nen\u00ed to, co b\u011b\u017en\u011b nos\u00edte v pen\u011b\u017eence a plat\u00edte s n\u00ed pen\u011bzi, kter\u00e9 p\u0159edstavuj\u00ed t\u0159eba va\u0161i v\u00fdplatu. Kart\u011b, kterou dostanete ke sv\u00e9mu \u00fa\u010dtu v bance a d\u00edky n\u00ed se dostanete k pen\u011bz\u016fm, kter\u00e9 v\u00e1m","datePublished":"2022-09-05","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.tenergo.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.tenergo.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4c6f4cec51e1a1b20d9361c6367b917eb8db239c023f88502d2833b745a358d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4c6f4cec51e1a1b20d9361c6367b917eb8db239c023f88502d2833b745a358d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tenergo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tenergo.cz\/wp-content\/uploads\/pexels-pixabay-164571.jpg","url":"https:\/\/www.tenergo.cz\/wp-content\/uploads\/pexels-pixabay-164571.jpg","height":0,"width":0},"url":"https:\/\/www.tenergo.cz\/proc-je-vyhodna-kreditni-karta\/","about":["Slu\u017eby"],"wordCount":487,"articleBody":"          Kreditn\u00ed karta je forma financov\u00e1n\u00ed, kterou v\u00e1m poskytne banka nebo nebankovn\u00ed spole\u010dnost. Pozor, kreditn\u00ed karta rozhodn\u011b nen\u00ed to, co b\u011b\u017en\u011b nos\u00edte v pen\u011b\u017eence a plat\u00edte s n\u00ed pen\u011bzi, kter\u00e9 p\u0159edstavuj\u00ed t\u0159eba va\u0161i v\u00fdplatu. Kart\u011b, kterou dostanete ke sv\u00e9mu \u00fa\u010dtu v bance a d\u00edky n\u00ed se dostanete k pen\u011bz\u016fm, kter\u00e9 v\u00e1m na \u00fa\u010det p\u0159ich\u00e1zej\u00ed, se \u0159\u00edk\u00e1 debetn\u00ed karta. Na kreditn\u00ed kart\u011b se nach\u00e1zej\u00ed pen\u00edze, kter\u00e9 jsou banky. Vy si je od n\u00ed m\u016f\u017eete vyp\u016fj\u010dit a pot\u00e9 je vr\u00e1tit zp\u00e1tky.  V p\u0159\u00edpad\u011b, \u017ee to ud\u011bl\u00e1te, je ur\u010dit\u011b dobr\u00e9 si pohl\u00eddat, jak m\u00e1 stanoven\u00e9 banka na kreditn\u00ed kartu bez\u00faro\u010dn\u00ed obdob\u00ed. V tomto obdob\u00ed m\u016f\u017eete na kartu vr\u00e1tit jen p\u0159esn\u011b tolik pen\u011bz, kolik jste si z n\u00ed vyp\u016fj\u010dili a nezaplat\u00edte nic nav\u00edc. Po uplynut\u00ed lh\u016fty u\u017e v\u00e1m naskakuj\u00ed i \u00faroky. Toto obdob\u00ed m\u00e1 ka\u017ed\u00e1 kreditn\u00ed karta jinak dlouh\u00e9, ale v\u011bt\u0161inou se doba pohybuje kolem jednoho m\u011bs\u00edce. D\u00e1v\u00e1 v\u00e1m to ale velkou v\u00fdhodu v p\u0159\u00edpad\u011b, \u017ee se v\u00e1m nap\u0159\u00edklad opozd\u00ed v\u00fdplata, nebo p\u00e1r dn\u00ed p\u0159ed t\u00edm, ne\u017e v\u00e1m v\u00fdplata p\u0159ijde se v\u00e1m n\u011bco porouch\u00e1 a pot\u0159ebujete pen\u00edze. Jednodu\u0161e si je vyp\u016fj\u010d\u00edte z karty a nemus\u00edte \u0159e\u0161it \u017e\u00e1dnou rychlou p\u016fj\u010dku. Po p\u00e1r dnech, kdy v\u00e1m p\u0159ijde v\u00fdplata, je tam zase bezplatn\u011b vr\u00e1t\u00edte.  Kreditn\u00ed kartu rozhodn\u011b vyu\u017eijete i v p\u0159\u00edpadech, kdy hodn\u011b cestujete. Pokud m\u00e1te na sv\u00e9m \u00fa\u010dtu v\u011bt\u0161\u00ed obnos pen\u011bz, ur\u010dit\u011b nechcete riskovat, \u017ee v zahrani\u010d\u00ed kartu ztrat\u00edte a n\u011bkdo v\u00e1m ji zneu\u017eije. Kreditn\u00ed karty maj\u00ed obvykle sv\u00e9 vlastn\u00ed poji\u0161t\u011bn\u00ed proti zneu\u017eit\u00ed nebo ztr\u00e1t\u011b a neriskujete jej\u00edm pou\u017e\u00edv\u00e1n\u00edm sv\u00e9 pen\u00edze. To stejn\u00e9 plat\u00ed, pokud hodn\u011b plat\u00edte kartou na internetu. V dne\u0161n\u00ed dob\u011b, kdy cel\u00fd sv\u011bt \u017eije e-nakupov\u00e1n\u00edm, je to v\u00edce ne\u017e pravd\u011bpodobn\u00e9. Hacke\u0159i jsou \u010d\u00edm d\u00e1l mazan\u011bj\u0161\u00ed a mohou va\u0161i kartu zneu\u017e\u00edt. N\u011bkter\u00e9 spole\u010dnosti v\u00e1m d\u00e1vaj\u00ed tak\u00e9 ke kart\u00e1m r\u016fzn\u00e9 bonusy, t\u0159eba veden\u00ed zdarma, procenta z platby, kter\u00e1 se v\u00e1m ukl\u00e1daj\u00ed na spo\u0159en\u00ed, nebo sb\u00edr\u00e1n\u00ed r\u016fzn\u00fdch bonusov\u00fdch bod\u016f. Pot\u0159ebujete v\u00edce pen\u011bz, ne\u017e si m\u016f\u017eete p\u016fj\u010dit z kreditn\u00ed karty? Pak je vhodn\u00e9 si za\u017e\u00e1dat o jinou formu financov\u00e1n\u00ed, t\u0159eba spot\u0159ebitelsk\u00fd \u00fav\u011br nebo ne\u00fa\u010delovou hypot\u00e9ku. Kreditn\u00ed kartu vyu\u017e\u00edvejte opravdu jen na mal\u00e9 p\u016fj\u010dky, kter\u00e9 budete schopni b\u011bhem p\u00e1r dn\u016f splatit.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d je v\u00fdhodn\u00e1 kreditn\u00ed karta?","item":"https:\/\/www.tenergo.cz\/proc-je-vyhodna-kreditni-karta\/#breadcrumbitem"}]}]