[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.1cdc.sk\/kreditne-a-debetne-karty\/#Article","mainEntityOfPage":"https:\/\/www.1cdc.sk\/kreditne-a-debetne-karty\/","headline":"KREDITN\u00c9 A DEBETN\u00c9 KARTY","name":"KREDITN\u00c9 A DEBETN\u00c9 KARTY","description":"Aspo\u0148 jednu platobn\u00fa kartu m\u00e1 vo svojej pe\u0148a\u017eenke v\u00e4\u010d\u0161ina Slov\u00e1kov. Osem z desiatich platobn\u00fdch kariet b\u00fdva debetn\u00fdch a dve kreditn\u00e9. Naj\u010dastej\u0161ie \u013eudia nakupuj\u00fa platobnou kartou v obchodoch s potravinami a v supermarketoch, tieto platby tvoria vy\u0161e 60% z po\u010dtu transakci\u00ed. S ve\u013ek\u00fdm odstupom potom nasleduj\u00fa platby v auto servisoch a na benz\u00ednov\u00fdch staniciach.Debetn\u00e1 karta: \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Debetn\u00fa kartu si m\u00f4\u017eete zriadi\u0165 […]","datePublished":"2017-04-07","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.1cdc.sk\/author\/#Person","name":"","url":"https:\/\/www.1cdc.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"1cdc.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.1cdc.sk\/wp-content\/uploads\/img_a280885_w2012_t1496867503.png","url":"https:\/\/www.1cdc.sk\/wp-content\/uploads\/img_a280885_w2012_t1496867503.png","height":0,"width":0},"url":"https:\/\/www.1cdc.sk\/kreditne-a-debetne-karty\/","wordCount":496,"articleBody":"Aspo\u0148 jednu platobn\u00fa kartu m\u00e1 vo svojej pe\u0148a\u017eenke v\u00e4\u010d\u0161ina Slov\u00e1kov. Osem z desiatich platobn\u00fdch kariet b\u00fdva debetn\u00fdch a dve kreditn\u00e9. Naj\u010dastej\u0161ie \u013eudia nakupuj\u00fa platobnou kartou v obchodoch s potravinami a v supermarketoch, tieto platby tvoria vy\u0161e 60% z po\u010dtu transakci\u00ed. S ve\u013ek\u00fdm odstupom potom nasleduj\u00fa platby v auto servisoch a na benz\u00ednov\u00fdch staniciach.Debetn\u00e1 karta:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Debetn\u00fa kartu si m\u00f4\u017eete zriadi\u0165 k V\u00e1\u0161mu osobn\u00e9mu \u00fa\u010dtu vo Va\u0161ej banke. Ak m\u00e1te na konte dostatok pe\u0148az\u00ed, m\u00f4\u017eete potom kartou ako vybera\u0165 hotovos\u0165 z bankomatov, tak plati\u0165 u obchodn\u00edkov a tie\u017e v internetov\u00fdch obchodoch.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dnes medzi \u013eu\u010fmi preva\u017euj\u00fa u\u017e medzin\u00e1rodn\u00e9 platobn\u00e9 karty, s ktor\u00fdmi je mo\u017en\u00e9 plati\u0165 aj v zahrani\u010d\u00ed.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Akon\u00e1hle kartu pou\u017eijete, Va\u0161u \u00fatratu V\u00e1m banka ihne\u010f strhne z V\u00e1\u0161ho \u00fa\u010dtu.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ka\u017ed\u00fd, kto pou\u017e\u00edva debetn\u00fa kartu, by sa mal dobre orientova\u0165 v sadzobn\u00edku svojej banky. Niektor\u00e9 slu\u017eby s\u00fa zadarmo, in\u00e9 naopak za ur\u010dit\u00fd poplatok. Spr\u00e1vnym pou\u017e\u00edvan\u00edm karty mo\u017eno u\u0161etri\u0165. Napr\u00edklad v tom, \u017ee banka V\u00e1m m\u00f4\u017ee poskytn\u00fa\u0165 nieko\u013eko v\u00fdberov zo svojich bankomatov za mesiac zadarmo.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ur\u010dit\u00fd poplatok V\u00e1m v\u0161ak banka celkom iste na\u00fa\u010dtuje pri v\u00fdbere hotovosti z cudzieho bankomatu, alebo z bankomatu v zahrani\u010d\u00ed.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Hlavnou v\u00fdhodou debetnej karty je, \u017ee m\u00e1te r\u00fdchly pr\u00edstup k Va\u0161im peniazom, nemus\u00edte tak nosi\u0165 po vreck\u00e1ch hotovos\u0165. S\u00fa\u010das\u0165ou debetn\u00fdch kariet m\u00f4\u017eu by\u0165 aj \u010fal\u0161ie finan\u010dn\u00e9 produkty ako je cestovn\u00e9 poistenie alebo poistenie pre pr\u00edpad zneu\u017eitia platobnej karty.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 K be\u017en\u00e9mu \u00fa\u010dtu si mo\u017eno dojedna\u0165 kontokorent, ktor\u00fd V\u00e1m umo\u017en\u00ed \u010derpa\u0165 peniaze do m\u00ednusu, ale v takom pr\u00edpade nabiehaj\u00fa \u00faroky a do konca roka mus\u00edte v\u0161etko vyrovna\u0165.Kreditn\u00e1 karta:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kreditn\u00e1 platobn\u00e1 karta sl\u00fa\u017ei na \u00fahradu be\u017en\u00fdch denn\u00fdch v\u00fddavkov aj na nakupovanie drah\u0161ieho tovaru alebo slu\u017eieb na \u00faver.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ak vyu\u017e\u00edvate kreditn\u00fa kartu, po\u017ei\u010diavate si peniaze od banky, ktor\u00e1 kartu vydala. Nemus\u00edte teda po ur\u010dit\u00fa dobu \u010derpa\u0165 peniaze z V\u00e1\u0161ho \u00fa\u010dtu.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Na za\u010diatku V\u00e1m banka nastav\u00ed limit, \u010di\u017ee \u00faverov\u00fd r\u00e1mec a tieto peniaze m\u00f4\u017eete opakovane \u010derpa\u0165 a postupne spl\u00e1ca\u0165. Pokia\u013e stihnete vyrovna\u0165 dlh spravidla do 55 dn\u00ed, za vypo\u017ei\u010dan\u00e9 peniaze ni\u010d nezaplat\u00edte. Po uplynut\u00ed bez\u00faro\u010dn\u00e9ho obdobia u\u017e po\u010d\u00edtajte s \u00faro\u010den\u00edm po\u017ei\u010danej sumy za cel\u00fd \u010das, kedy ste peniaze dlhovali.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kreditn\u00fa kartu je mo\u017en\u00e9 pou\u017e\u00edva\u0165, ako debetn\u00e9 pri platb\u00e1ch v obchodoch aj na internete.Okrem bez\u00faro\u010dn\u00e9ho obdobia s\u00fa \u010fal\u0161\u00edm l\u00e1kadlom z\u013eavy na n\u00e1kupy u vybran\u00fdch obchodn\u00edkov a t\u00fdm, ak kartu pou\u017e\u00edvame \u010dasto, m\u00f4\u017eeme dosta\u0165 sp\u00e4\u0165, nemal\u00fa \u010diastku                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"KREDITN\u00c9 A DEBETN\u00c9 KARTY","item":"https:\/\/www.1cdc.sk\/kreditne-a-debetne-karty\/#breadcrumbitem"}]}]