[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aped.cz\/nastrahy-platebnich-karet\/#Article","mainEntityOfPage":"https:\/\/www.aped.cz\/nastrahy-platebnich-karet\/","headline":"N\u00e1strahy platebn\u00edch karet","name":"N\u00e1strahy platebn\u00edch karet","description":"
 Dnes ji\u017e nen\u00ed podm\u00ednkou vlastnit \u00fa\u010det u konkr\u00e9tn\u00ed bankovn\u00ed \u010di nebankovn\u00ed instituce, abyste mohli obdr\u017eet platebn\u00ed kartu. Dokonce ani […]","datePublished":"2020-10-06","dateModified":"2023-06-02","author":{"@type":"Person","@id":"https:\/\/www.aped.cz\/author\/#Person","name":"","url":"https:\/\/www.aped.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aped.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.aped.cz\/nastrahy-platebnich-karet\/","about":["Finance"],"wordCount":472,"articleBody":"
 Dnes ji\u017e nen\u00ed podm\u00ednkou vlastnit \u00fa\u010det u konkr\u00e9tn\u00ed bankovn\u00ed \u010di nebankovn\u00ed instituce, abyste mohli obdr\u017eet platebn\u00ed kartu. Dokonce ani nen\u00ed probl\u00e9m si takovou kartu po\u0159\u00eddit. Ov\u0161em n\u00e1strahy, o kter\u00fdch se moc nemluv\u00ed, mohou m\u00edt dramatick\u00e9 konce.Z\u00e1kladn\u00ed platebn\u00ed karty rozli\u0161ujeme na 
 \u00b7 Debetn\u00ed \u2013 tyto karty jsou vyd\u00e1v\u00e1ny na \u017e\u00e1dost klienta a m\u016f\u017ee se s nimi platit v\u0161ude, kde je ozna\u010den\u00ed pro platbu kartou dan\u00e9ho typu. Vzhledem k tomu, \u017ee je zde \u00fazk\u00e1 n\u00e1vaznost na \u00fa\u010det, tud\u00ed\u017e i kartou m\u016f\u017eete platit pouze v rozsahu va\u0161eho z\u016fstatku na \u00fa\u010dtu. Pokud zde nedisponuje finan\u010dn\u00ed \u010d\u00e1stkou, bohu\u017eel ani va\u0161e transakce nebude provedena.
 \u00b7 Kreditn\u00ed \u2013 pou\u017eila bych v\u00fdsti\u017enou fr\u00e1zi: dobr\u00fd sluha, ale zl\u00fd p\u00e1n. S kreditn\u00ed kartou z\u00edsk\u00e1te i n\u011bjak\u00fd finan\u010dn\u00ed obnos, kter\u00fd v\u00e1m dan\u00e1 spole\u010dnost zap\u016fj\u010d\u00ed. D\u00e1le ho mus\u00edte spl\u00e1cet ve stanoven\u00fdch m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch. Ka\u017ed\u00e1 takov\u00e1 karta m\u00e1 sv\u00e9 bez\u00faro\u010dn\u00e9 obdob\u00ed, kdy m\u00e1te mo\u017enost se vyhnout \u00farokov\u00fdm sazb\u00e1m z vyp\u016fj\u010den\u00fdch pen\u011bz.
 
 Dobr\u00fd sluha
 Kreditn\u00ed karta m\u016f\u017ee slou\u017eit jako dobr\u00fd sluha, pokud se j\u00ed nau\u010d\u00edte spr\u00e1vn\u011b pou\u017e\u00edvat. Je\u0161t\u011b o to v\u00edc, pokud m\u00e1te kartu s nastaven\u00fdm bez\u00faro\u010dn\u00fdm obdob\u00edm na del\u0161\u00ed dobu splatnosti.
 Dal\u0161\u00edm bonusem je mo\u017enost vr\u00e1cen\u00ed ur\u010dit\u00fdch % z n\u00e1kupu zp\u011bt. Pokud vr\u00e1t\u00edte dlu\u017enou \u010d\u00e1stku v pln\u00e9 v\u00fd\u0161i, v tomto obdob\u00ed, neplat\u00edte \u017e\u00e1dn\u00e9 \u00faroky, \u010d\u00edm\u017e u\u0161et\u0159\u00edte nemalou finan\u010dn\u00ed \u010d\u00e1stku. Nav\u00edc bonusov\u00e9 odm\u011bny v\u00e1m mohou p\u0159in\u00e9st n\u011bjakou korunu nav\u00edc. V tomto p\u0159\u00edpad\u011b jste vy p\u00e1ni a m\u00e1te dobr\u00e9ho sluhu.
 Zl\u00fd p\u00e1n
 Bohu\u017eel zde existuje hor\u0161\u00ed strana kreditn\u00ed karty. Pokud pou\u017e\u00edv\u00e1te kartu bezmy\u0161lenkovit\u011b a berete ji jako n\u00e1stroj, kter\u00fd v\u00e1m vyd\u00e1 pen\u00edze, a\u017e do posledn\u00ed mo\u017en\u00e9 koruny, m\u016f\u017eete se velmi a rychle dostat do probl\u00e9m\u016f. Je dobr\u00e9 si uv\u011bdomit, \u017ee pen\u00edze nejsou va\u0161e a \u017ee je budete muset tak\u00e9 vr\u00e1tit.
 Mo\u017en\u00e1 by bylo lep\u0161\u00ed si polo\u017eit nejprve ot\u00e1zku, zdali budu schopn\u00fd, ka\u017ed\u00fd m\u011bs\u00edc spl\u00e1cet ur\u010dit\u00fd obnos. Bohu\u017eel \u00farokov\u00e9 sazby jsou na kreditn\u00edch kart\u00e1ch pom\u011brn\u011b vysok\u00e9 a m\u016f\u017ee se st\u00e1t, \u017ee pro dal\u0161\u00ed roky se m\u016f\u017eete st\u00e1t vy t\u00edm sluhou a tento stav v\u00e1s m\u016f\u017ee zna\u010dn\u011b t\u00ed\u017eit.
 Pokud mohu doporu\u010dit, nau\u010dte se b\u00fdt p\u00e1ny va\u0161\u00ed finan\u010dn\u00ed situace a vyu\u017e\u00edvat spr\u00e1vn\u011b platebn\u00ed karty.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00e1strahy platebn\u00edch karet","item":"https:\/\/www.aped.cz\/nastrahy-platebnich-karet\/#breadcrumbitem"}]}]