[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hcnv.cz\/debetni-nebo-kreditni-karta\/#Article","mainEntityOfPage":"https:\/\/www.hcnv.cz\/debetni-nebo-kreditni-karta\/","headline":"Debetn\u00ed nebo kreditn\u00ed karta?","name":"Debetn\u00ed nebo kreditn\u00ed karta?","description":"Kdy\u017e prov\u00e1d\u011bly jist\u00e9 banky pr\u016fzkum mezi sv\u00fdmi klienty, hodn\u011b se podivily. Velk\u00e1 \u010d\u00e1st respondent\u016f si...","datePublished":"2025-03-04","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.hcnv.cz\/author\/#Person","name":"hcnv.cz\n","url":"https:\/\/www.hcnv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hcnv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hcnv.cz\/wp-content\/uploads\/img_a294647_w2169_t1506505385.jpg","url":"https:\/\/www.hcnv.cz\/wp-content\/uploads\/img_a294647_w2169_t1506505385.jpg","height":0,"width":0},"url":"https:\/\/www.hcnv.cz\/debetni-nebo-kreditni-karta\/","about":["Pen\u00edze"],"wordCount":457,"articleBody":"Kdy\u017e prov\u00e1d\u011bly jist\u00e9 banky pr\u016fzkum mezi sv\u00fdmi klienty, hodn\u011b se podivily. Velk\u00e1 \u010d\u00e1st respondent\u016f si toti\u017e pletla dva z\u00e1kladn\u00ed pojmy, toti\u017e debetn\u00ed a kreditn\u00ed. Zde, v\u00a0tomto p\u0159\u00edpad\u011b se jednalo o karty, kter\u00e9 v\u00e1m va\u0161e banka vyd\u00e1 v\u011bt\u0161inou zadarmo. No, zadarmo, ona si to u v\u00e1s vybere, jen se nebojte. Ale nyn\u00ed k\u00a0t\u00e9matu. Jak\u00e1 je tedy rozd\u00edl mezi debetn\u00ed a kreditn\u00ed kartou?Debetn\u00ed karta je ta, kterou dost\u00e1v\u00e1te u sv\u00e9 banky k\u00a0b\u011b\u017en\u00e9mu \u00fa\u010dtu, kter\u00fd si tam zalo\u017e\u00edte, a nech\u00e1v\u00e1te na n\u011bj poslat nap\u0159\u00edklad v\u00fdplatu. S\u00a0touto kartou sm\u00edte prov\u00e1d\u011bt v\u0161echny povolen\u00e9 transakce, ale v\u017edy jen do v\u00fd\u0161e toho, co m\u00e1te moment\u00e1ln\u011b na sv\u00e9m \u00fa\u010dtu. M\u00e1te-li, t\u0159eba na \u00fa\u010dtu p\u011bt set korun, m\u016f\u017eete do t\u00e9to v\u00fd\u0161e kartou t\u0159eba zaplatit n\u00e1kup. Stoj\u00ed-li v\u0161ak v\u00e1\u0161 n\u00e1kup, by\u0165 jen o korunu v\u00edce, transakce neprob\u011bhne, a vy budete muset n\u011bco z\u00a0n\u00e1kupu vr\u00e1tit. Co\u017e je jist\u011b nep\u0159\u00edjemn\u00e9 jak pro v\u00e1s, tak i pro prodejce. Tak\u017ee \u2013 debetn\u00ed karta je ta, na kter\u00e9 hospoda\u0159\u00edm jen se sv\u00fdmi pen\u011bzi. S\u00a0t\u011bmi, kter\u00e9 jsem si tam n\u011bjak\u00fdm zp\u016fsobem dal. Pozor. Existuje v\u0161ak v\u00fdjimka a tou je kontokorent. T\u00edm si ji\u017e pen\u00edze z\u00a0banky p\u016fj\u010dujete. Ale t\u00edm se zde podrobn\u011bji nebudu zab\u00fdvat.Kreditn\u00ed karta je na prvn\u00ed pohled stejn\u00e1, nijak se na pohled neli\u0161\u00ed. Ale tu v\u00e1m banka vyd\u00e1 a\u017e oproti jak\u00e9koli schv\u00e1len\u00e9 \u017e\u00e1dosti o p\u016fj\u010dku. Vy tedy na t\u00e9to kart\u011b, p\u0159esn\u011bji \u0159e\u010deno na tomto \u00fa\u010dtu, hospoda\u0159\u00edte ne se sv\u00fdmi pen\u011bzi, ale s\u00a0pen\u011bzi banky, kter\u00e1 v\u00e1m je v\u00a0domluven\u00e9 v\u00fd\u0161i zap\u016fj\u010dila. Samoz\u0159ejm\u011b i zde je nutno si hl\u00eddat zbylou \u010d\u00e1stku, jinak se m\u016f\u017eete ocitnou ve stejn\u00e9 situaci, jak pops\u00e1no v\u00fd\u0161e. Kreditn\u00ed kartou m\u016f\u017eete tak\u00e9 d\u011blat co chcete, ale d\u016frazn\u011b si to mus\u00edte rozmyslet, Nap\u0159\u00edklad v\u00fdb\u011br hotovosti z\u00a0bankomatu b\u00fdv\u00e1 v\u011bt\u0161inou zpoplat\u0148ov\u00e1n nehor\u00e1znou \u010d\u00e1stkou, tak\u017ee pozor.Jak s\u00a0kartami hospoda\u0159it jist\u011b v\u00edte, nebudu v\u00e1s to u\u010dit. U debetn\u00ed je va\u0161e v\u011bc kdy a jak si tam pen\u00edze dostanete, u kreditn\u00ed v\u0161ak mus\u00edte dodr\u017eet data splatnosti, a to v\u011bt\u0161inou p\u0159edem bankou stanoven\u00e9 m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stky. Nestihnete-li spl\u00e1tku v\u010das, mohou v\u00e1s \u010dekat dosti drsn\u00e9 sankce.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Debetn\u00ed nebo kreditn\u00ed karta?","item":"https:\/\/www.hcnv.cz\/debetni-nebo-kreditni-karta\/#breadcrumbitem"}]}]