[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.protonix.sk\/kreditna-karta-na-co-si-dat-najvacsi-pozor\/#Article","mainEntityOfPage":"https:\/\/www.protonix.sk\/kreditna-karta-na-co-si-dat-najvacsi-pozor\/","headline":"Kreditn\u00e1 karta \u2013 na \u010do si da\u0165 najv\u00e4\u010d\u0161\u00ed pozor","name":"Kreditn\u00e1 karta \u2013 na \u010do si da\u0165 najv\u00e4\u010d\u0161\u00ed pozor","description":"Kreditn\u00e1 a debetn\u00e1 karta \u2013 hlavn\u00e9 rozdiely \u00a0 1.\u00a0\u00a0\u00a0\u00a0\u00a0 debetn\u00e1 kartaje pridelen\u00e1 ka\u017ed\u00e9mu kto m\u00e1 \u00fa\u010det v banke, narozdiel od kreditky, ktor\u00fa dostanete, len ak o \u0148u po\u017eiadate 2.\u00a0\u00a0\u00a0\u00a0\u00a0 ak pou\u017e\u00edvate debetn\u00fa kartu, ide o va\u0161e vlastn\u00e9 peniaze \/v\u00fdnimku tvor\u00ed schv\u00e1len\u00e9 a povolen\u00e9 pre\u010derpanie na \u00fa\u010dte, ale o tom a\u017e niekedy nabud\u00face\/, naopak kreditn\u00e1 karta","datePublished":"2025-02-27","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.protonix.sk\/author\/#Person","name":"protonix.sk\n","url":"https:\/\/www.protonix.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"protonix.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.protonix.sk\/wp-content\/uploads\/img_a280275_w2005_t1493285387.jpg","url":"https:\/\/www.protonix.sk\/wp-content\/uploads\/img_a280275_w2005_t1493285387.jpg","height":0,"width":0},"url":"https:\/\/www.protonix.sk\/kreditna-karta-na-co-si-dat-najvacsi-pozor\/","about":["Financie"],"wordCount":351,"articleBody":"Kreditn\u00e1 a debetn\u00e1 karta \u2013 hlavn\u00e9 rozdiely\u00a01.\u00a0\u00a0\u00a0\u00a0\u00a0 debetn\u00e1 kartaje pridelen\u00e1 ka\u017ed\u00e9mu kto m\u00e1 \u00fa\u010det v banke, narozdiel od kreditky, ktor\u00fa dostanete, len ak o \u0148u po\u017eiadate2.\u00a0\u00a0\u00a0\u00a0\u00a0 ak pou\u017e\u00edvate debetn\u00fa kartu, ide o va\u0161e vlastn\u00e9 peniaze \/v\u00fdnimku tvor\u00ed schv\u00e1len\u00e9 a povolen\u00e9 pre\u010derpanie na \u00fa\u010dte, ale o tom a\u017e niekedy nabud\u00face\/, naopak kreditn\u00e1 karta je ur\u010dit\u00e1 forma \u00faveru3.\u00a0\u00a0\u00a0\u00a0\u00a0 obe s\u00fa druhom platobnej karty, kreditka je vlastne \u00faver poskytnut\u00fd vybranou finan\u010dnou spolo\u010dnos\u0165ou, ktor\u00fd je mo\u017en\u00e9 takto \u010derpa\u0165 \u2013 takzvan\u00fd kredit4.\u00a0\u00a0\u00a0\u00a0\u00a0 tento je na ur\u010dit\u00e9 obdobie ne\u00faro\u010den\u00fd \/v\u00e4\u010d\u0161inou sa jedn\u00e1 o 40 a\u017e 60 dn\u00ed\/, kedy m\u00f4\u017eete peniaze vr\u00e1ti\u0165 sp\u00e4\u0165 bez ak\u00e9hoko\u013evek \u00faro\u010denia5.\u00a0\u00a0\u00a0\u00a0\u00a0 nad t\u00fato dobu mus\u00edte zaplati\u0165 zmluvne dohodnut\u00fa \u010diastku a rozdiel sa tak \u00faro\u010d\u00ed dojednanou \u00farokovou sadzbou\u00a0Plusy kreditn\u00fdch karietAsi najv\u00e4\u010d\u0161\u00edm plusom by mohlo by\u0165 to, \u017ee m\u00e1te ihne\u010f k dispoz\u00edcii finan\u010dn\u00e9 prostriedky, aj ke\u010f vy sami moment\u00e1lne nimi nedisponujete.\u010eal\u0161\u00edm plusom je u\u017e spom\u00ednan\u00e9 bez\u00faro\u010dn\u00e9 obdobie. Pokia\u013e si viete zr\u00e1ta\u0165 dve a dve, ste disciplinovan\u00fd a viete si to ustr\u00e1\u017ei\u0165, je to pr\u00edjemn\u00fd zdroj pe\u0148az\u00ed mesa\u010dne navy\u0161e.\u00a0M\u00ednusyNajv\u00e4\u010d\u0161\u00edm je ur\u010dite vysok\u00fd \u00farok \/niekedy aj viac ako 40%\/, ktor\u00fd mus\u00edte zaplati\u0165, pokia\u013e vyberan\u00fa \u010diastku nedok\u00e1\u017eete splati\u0165 e\u0161te v bez\u00faro\u010dnom obdob\u00ed.Pokia\u013e nepou\u017e\u00edvate kartu len na bezhotovostn\u00e9 platby, v\u00fdber v hotovosti z bankomatu je v\u00e4\u010d\u0161inou \u00faro\u010den\u00fd okam\u017eite!U\u017e pri malej nepozornosti a pri nezaplaten\u00ed jedinej dohodnutej spl\u00e1tky, \u010di ome\u0161kan\u00ed, sa dost\u00e1vate do \u00faverov\u00e9ho registra! A negat\u00edvny z\u00e1znam sa z tohto registra vymaz\u00e1va a\u017e po piatich rokoch!\u00a0Kreditka je v\u00edtan\u00e1 pomoc pre pr\u00edpad neo\u010dak\u00e1van\u00fdch v\u00fddavkov, no je potrebn\u00e9 by\u0165 naozaj obozretn\u00fd, aby ste sa nakoniec nedostal do \u00faverovej pasce. Odpor\u00fa\u010dame zv\u00e1\u017ei\u0165, \u010di by nebolo vhodnej\u0161ie po\u017eiada\u0165 o klasick\u00fd bez\u00fa\u010delov\u00fd spotrebn\u00fd \u00faver, pri ktorom m\u00f4\u017eete z\u00edska\u0165 ni\u017e\u0161\u00ed \u00farok a v\u00fdhodnej\u0161ie podmienky.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00e1 karta \u2013 na \u010do si da\u0165 najv\u00e4\u010d\u0161\u00ed pozor","item":"https:\/\/www.protonix.sk\/kreditna-karta-na-co-si-dat-najvacsi-pozor\/#breadcrumbitem"}]}]