[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aleacb.cz\/rozdil-mezi-debetni-a-kreditni-kartou\/#Article","mainEntityOfPage":"https:\/\/www.aleacb.cz\/rozdil-mezi-debetni-a-kreditni-kartou\/","headline":"Rozd\u00edl mezi debetn\u00ed a kreditn\u00ed kartou","name":"Rozd\u00edl mezi debetn\u00ed a kreditn\u00ed kartou","description":"V\u00a0dne\u0161n\u00edm sv\u011bt\u011b je ji\u017e \u00fapln\u011b b\u011b\u017en\u00e9 vlastnit bankovn\u00ed \u00fa\u010det spolu s\u00a0kartou k\u00a0n\u011bmu pat\u0159\u00edc\u00ed. V\u011bt\u0161ina populace tedy plat\u00ed sv\u00e9 v\u00fddaje za pomoci platebn\u00ed karty, kter\u00e1 danou transakci v\u017edy urychl\u00ed. Existuje v\u0161ak n\u011bkolik r\u016fznorod\u00fdch mo\u017enost\u00ed umo\u017e\u0148uj\u00edc\u00ed placen\u00ed \u2013 zasunut\u00ed do port\u00e1lu, p\u0159ilo\u017een\u00ed k\u00a0port\u00e1lu \u010di kup\u0159\u00edkladu platba online. Jeliko\u017e se tedy plat\u00ed za pomoci karty a ne hotovost\u00ed, tak nem\u00e1me v\u00a0t\u011ble takov\u00fd ten sv\u00edraj\u00edc\u00ed pocit, kter\u00fd se kolikr\u00e1t u lid\u00ed vyskytuje p\u0159i placen\u00ed v\u00a0pen\u011bz\u00edch. Mohlo by s\u00a0zd\u00e1t, \u017ee se to jev\u00ed jako dobr\u00e1 v\u011bc, av\u0161ak kolikr\u00e1t to sp\u011bje k\u00a0tomu, \u017ee lid\u00e9 nev\u011bd\u00ed, kdy maj\u00ed dost. Poj\u010fme se v\u0161ak bl\u00ed\u017ee v\u011bnovat na\u0161emu t\u00e9matu a \u0159\u00edci si, jak\u00fd je v\u0161ak rozd\u00edl mezi debetn\u00ed a kreditn\u00ed kartou, a co jejich z\u00edsk\u00e1n\u00ed obn\u00e1\u0161\u00ed? Nejprve se poj\u010fme v\u011bnovat prvn\u00ed z\u00a0nich, tedy kart\u011b debetn\u00ed. Jedn\u00e1 se o sou\u010d\u00e1st va\u0161eho bankovn\u00edho \u00fa\u010dtu, kterou dostanete p\u0159i jeho vytvo\u0159en\u00ed. Zalo\u017een\u00ed \u00fa\u010dtu bylo d\u0159\u00edve mnohem slo\u017eit\u011bj\u0161\u00ed, jeliko\u017e muselo b\u00fdt prov\u00e1d\u011bno zejm\u00e9na v\u00a0prostorech bank. Dnes ov\u0161em sta\u010d\u00ed m\u00edt p\u0159\u00edstup k\u00a0internetu, chytr\u00fd telefon, tablet \u010di po\u010d\u00edta\u010d, a v\u0161e lze tak za\u0159\u00eddit z\u00a0pohodl\u00ed domova. Pokud byste v\u0161ak cht\u011bli m\u011bnit n\u011bjak\u00e1 slo\u017eit\u011bj\u0161\u00ed nastaven\u00ed sv\u00e9ho \u00fa\u010dtu, je nutn\u00e9 dostavit se do kamenn\u00e9 pobo\u010dky. Zde v\u0161ak mus\u00edte dodr\u017eovat jedno pravidlo \u2013 na ve\u0161ker\u00fdch tiskopisech spojen\u00fdch s\u00a0va\u0161\u00edm \u00fa\u010dtem mus\u00ed b\u00fdt stejn\u00fd podpis. Debetka, kter\u00e1 v\u00e1s oprav\u0148uje zach\u00e1zet s\u00a0hotovost\u00ed v\u0161emi mo\u017en\u00fdmi zp\u016fsoby, v\u0161ak obsahuje pouze va\u0161e finance, co\u017e tedy znamen\u00e1, \u017ee jsou na n\u00ed ulo\u017eeny jedin\u011b va\u0161e finance, a nic jin\u00e9ho. Av\u0161ak u n\u011bkter\u00e9 banky je mo\u017en\u00e9 nastavit si tak\u00e9 mo\u017enost pom\u00e1haj\u00edc\u00ed v\u00a0t\u011b\u017e\u0161\u00edch chv\u00edl\u00edch \u017eivota. Jde o to, \u017ee p\u0159i nedostatku pen\u011bz v\u00e1m bude na \u00fa\u010det zaps\u00e1na v\u00e1mi utracen\u00e1 \u010d\u00e1stka v\u00a0z\u00e1porn\u00e9 hodnot\u011b. Av\u0161ak na takov\u00e9 pohodl\u00ed si rad\u011bji moc nezvykejte a sna\u017ete se alespo\u0148 n\u011bco m\u00e1lo z\u00a0va\u0161e finan\u010dn\u00edho rozpo\u010dtu u\u0161et\u0159it pro str\u00fd\u010dka p\u0159\u00edhodu. Druhou mo\u017enost\u00ed je tzv. kreditka, kde se oproti p\u0159edchoz\u00ed variant\u011b nach\u00e1zej\u00ed pen\u00edze p\u016fj\u010den\u00e9 v\u00e1m ze strany banky. V\u00a0podstat\u011b lze \u0159\u00edci, \u017ee u\u017eivatel \u010di sp\u00ed\u0161e dr\u017eitel t\u00e9to karty je dlu\u017en\u00edkem. Osobn\u011b v\u0161ak doporu\u010duji se t\u00e9to variant\u011b vyhnout, a sna\u017eit se, abyste se do \u017e\u00e1dn\u00fdch zbyte\u010dn\u00fdch dluh\u016f nedostali, nebo\u0165 z\u00a0toho \u010dasto vznikaj\u00ed jen nep\u0159\u00edjemnosti. 4\/5 - (9 votes)","datePublished":"2019-07-03","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.aleacb.cz\/author\/#Person","name":"2clean.cz","url":"https:\/\/www.aleacb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aleacb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aleacb.cz\/wp-content\/uploads\/img_a349934_w2406_t1564899401.jpg","url":"https:\/\/www.aleacb.cz\/wp-content\/uploads\/img_a349934_w2406_t1564899401.jpg","height":0,"width":0},"url":"https:\/\/www.aleacb.cz\/rozdil-mezi-debetni-a-kreditni-kartou\/","about":["Finance"],"wordCount":497,"articleBody":"\tV\u00a0dne\u0161n\u00edm sv\u011bt\u011b je ji\u017e \u00fapln\u011b b\u011b\u017en\u00e9 vlastnit bankovn\u00ed \u00fa\u010det spolu s\u00a0kartou k\u00a0n\u011bmu pat\u0159\u00edc\u00ed. V\u011bt\u0161ina populace tedy plat\u00ed sv\u00e9 v\u00fddaje za pomoci platebn\u00ed karty, kter\u00e1 danou transakci v\u017edy urychl\u00ed. Existuje v\u0161ak n\u011bkolik r\u016fznorod\u00fdch mo\u017enost\u00ed umo\u017e\u0148uj\u00edc\u00ed placen\u00ed \u2013 zasunut\u00ed do port\u00e1lu, p\u0159ilo\u017een\u00ed k\u00a0port\u00e1lu \u010di kup\u0159\u00edkladu platba online.\t\tJeliko\u017e se tedy plat\u00ed za pomoci karty a ne hotovost\u00ed, tak nem\u00e1me v\u00a0t\u011ble takov\u00fd ten sv\u00edraj\u00edc\u00ed pocit, kter\u00fd se kolikr\u00e1t u lid\u00ed vyskytuje p\u0159i placen\u00ed v\u00a0pen\u011bz\u00edch. Mohlo by s\u00a0zd\u00e1t, \u017ee se to jev\u00ed jako dobr\u00e1 v\u011bc, av\u0161ak kolikr\u00e1t to sp\u011bje k\u00a0tomu, \u017ee lid\u00e9 nev\u011bd\u00ed, kdy maj\u00ed dost. Poj\u010fme se v\u0161ak bl\u00ed\u017ee v\u011bnovat na\u0161emu t\u00e9matu a \u0159\u00edci si, jak\u00fd je v\u0161ak rozd\u00edl mezi debetn\u00ed a kreditn\u00ed kartou, a co jejich z\u00edsk\u00e1n\u00ed obn\u00e1\u0161\u00ed?\tNejprve se poj\u010fme v\u011bnovat prvn\u00ed z\u00a0nich, tedy kart\u011b debetn\u00ed. Jedn\u00e1 se o sou\u010d\u00e1st va\u0161eho bankovn\u00edho \u00fa\u010dtu, kterou dostanete p\u0159i jeho vytvo\u0159en\u00ed. Zalo\u017een\u00ed \u00fa\u010dtu bylo d\u0159\u00edve mnohem slo\u017eit\u011bj\u0161\u00ed, jeliko\u017e muselo b\u00fdt prov\u00e1d\u011bno zejm\u00e9na v\u00a0prostorech bank. Dnes ov\u0161em sta\u010d\u00ed m\u00edt p\u0159\u00edstup k\u00a0internetu, chytr\u00fd telefon, tablet \u010di po\u010d\u00edta\u010d, a v\u0161e lze tak za\u0159\u00eddit z\u00a0pohodl\u00ed domova. Pokud byste v\u0161ak cht\u011bli m\u011bnit n\u011bjak\u00e1 slo\u017eit\u011bj\u0161\u00ed nastaven\u00ed sv\u00e9ho \u00fa\u010dtu, je nutn\u00e9 dostavit se do kamenn\u00e9 pobo\u010dky. Zde v\u0161ak mus\u00edte dodr\u017eovat jedno pravidlo \u2013 na ve\u0161ker\u00fdch tiskopisech spojen\u00fdch s\u00a0va\u0161\u00edm \u00fa\u010dtem mus\u00ed b\u00fdt stejn\u00fd podpis.\tDebetka, kter\u00e1 v\u00e1s oprav\u0148uje zach\u00e1zet s\u00a0hotovost\u00ed v\u0161emi mo\u017en\u00fdmi zp\u016fsoby, v\u0161ak obsahuje pouze va\u0161e finance, co\u017e tedy znamen\u00e1, \u017ee jsou na n\u00ed ulo\u017eeny jedin\u011b va\u0161e finance, a nic jin\u00e9ho. Av\u0161ak u n\u011bkter\u00e9 banky je mo\u017en\u00e9 nastavit si tak\u00e9 mo\u017enost pom\u00e1haj\u00edc\u00ed v\u00a0t\u011b\u017e\u0161\u00edch chv\u00edl\u00edch \u017eivota. Jde o to, \u017ee p\u0159i nedostatku pen\u011bz v\u00e1m bude na \u00fa\u010det zaps\u00e1na v\u00e1mi utracen\u00e1 \u010d\u00e1stka v\u00a0z\u00e1porn\u00e9 hodnot\u011b. Av\u0161ak na takov\u00e9 pohodl\u00ed si rad\u011bji moc nezvykejte a sna\u017ete se alespo\u0148 n\u011bco m\u00e1lo z\u00a0va\u0161e finan\u010dn\u00edho rozpo\u010dtu u\u0161et\u0159it pro str\u00fd\u010dka p\u0159\u00edhodu.\t\tDruhou mo\u017enost\u00ed je tzv. kreditka, kde se oproti p\u0159edchoz\u00ed variant\u011b nach\u00e1zej\u00ed pen\u00edze p\u016fj\u010den\u00e9 v\u00e1m ze strany banky. V\u00a0podstat\u011b lze \u0159\u00edci, \u017ee u\u017eivatel \u010di sp\u00ed\u0161e dr\u017eitel t\u00e9to karty je dlu\u017en\u00edkem. Osobn\u011b v\u0161ak doporu\u010duji se t\u00e9to variant\u011b vyhnout, a sna\u017eit se, abyste se do \u017e\u00e1dn\u00fdch zbyte\u010dn\u00fdch dluh\u016f nedostali, nebo\u0165 z\u00a0toho \u010dasto vznikaj\u00ed jen nep\u0159\u00edjemnosti.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rozd\u00edl mezi debetn\u00ed a kreditn\u00ed kartou","item":"https:\/\/www.aleacb.cz\/rozdil-mezi-debetni-a-kreditni-kartou\/#breadcrumbitem"}]}]