[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.liver.cz\/cim-se-vlastne-karty-lisi\/#Article","mainEntityOfPage":"https:\/\/www.liver.cz\/cim-se-vlastne-karty-lisi\/","headline":"\u010c\u00edm se vlastn\u011b karty li\u0161\u00ed?","name":"\u010c\u00edm se vlastn\u011b karty li\u0161\u00ed?","description":"I kdy\u017e u\u017e jsou u n\u00e1s platebn\u00ed karty d\u00e1vno zdom\u00e1cn\u011bl\u00e9, p\u0159esto si troufnu tvrdit, \u017ee je mezi n\u00e1mi st\u00e1le je\u0161t\u011b dost lid\u00ed, kte\u0159\u00ed nev\u011bd\u00ed ani to, \u017ee tyto mohou b\u00fdt kreditn\u00ed nebo debetn\u00ed, nato\u017e abyContinue reading<\/a>","datePublished":"2019-03-04","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.liver.cz\/author\/#Person","name":"liver.cz\n","url":"https:\/\/www.liver.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"liver.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.liver.cz\/wp-content\/uploads\/img_a339450_w1941_t1552730504.jpg","url":"https:\/\/www.liver.cz\/wp-content\/uploads\/img_a339450_w1941_t1552730504.jpg","height":0,"width":0},"url":"https:\/\/www.liver.cz\/cim-se-vlastne-karty-lisi\/","about":["Pen\u00edze"],"wordCount":548,"articleBody":"I kdy\u017e u\u017e jsou u n\u00e1s platebn\u00ed karty d\u00e1vno zdom\u00e1cn\u011bl\u00e9, p\u0159esto si troufnu tvrdit, \u017ee je mezi n\u00e1mi st\u00e1le je\u0161t\u011b dost lid\u00ed, kte\u0159\u00ed nev\u011bd\u00ed ani to, \u017ee tyto mohou b\u00fdt kreditn\u00ed nebo debetn\u00ed, nato\u017e aby mezi t\u011bmito dv\u011bma slovy ch\u00e1pali rozd\u00edl.Ur\u010dit\u011b je i dost na\u0161inc\u016f, kte\u0159\u00ed sami nedok\u00e1\u017eou \u0159\u00edci, zda maj\u00ed tu anebo onu kartu, jak\u00fd je rozd\u00edl v pojmech .Proto\u017ee tyto karty vypadaj\u00ed v podstat\u011b jedna jako druh\u00e1, zd\u00e1nliv\u011b mezi nimi nen\u00ed rozd\u00edl.Ov\u0161em je nasnad\u011b, \u017ee mezi nimi rozd\u00edl je. Proto\u017ee kdyby nebyl, p\u0159inejmen\u0161\u00edm by se nejmenovaly r\u016fzn\u011b.Rozd\u00edl v\u0161ak pochopiteln\u011b nespo\u010d\u00edv\u00e1 jenom v jejich n\u00e1zvu. Ten nejpodstatn\u011bj\u0161\u00ed rozd\u00edl je toti\u017e ukryt v tom, na jak\u00e9m principu funguj\u00ed.Kreditn\u00ed kartaje toti\u017e ve sv\u00e9 podstat\u011b jedn\u00edm ze spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f a nen\u00ed spojena s b\u011b\u017en\u00fdm \u00fa\u010dtem. \u010clov\u011bk jej\u00edm prost\u0159ednictv\u00edm \u010derp\u00e1 pen\u00edze pat\u0159\u00edc\u00ed bance a tyto teprve n\u00e1sledn\u011b mus\u00ed bance vr\u00e1tit. P\u0159i\u010dem\u017e je tato p\u016fj\u010dka po ur\u010dit\u00e9 obdob\u00ed bez\u00faro\u010dn\u00e1, co\u017e znamen\u00e1, \u017ee \u010dlov\u011bk m\u016f\u017ee bance tyto \u010derpan\u00e9 pen\u00edze v\u011bt\u0161inou do \u010dty\u0159iceti a\u017e p\u011bta\u010dty\u0159iceti dn\u00ed, ov\u0161em n\u011bkdy a\u017e do \u0161edes\u00e1ti dn\u00ed, vr\u00e1tit, ani\u017e by j\u00ed za to cokoliv platil. Kdy\u017e to v\u0161ak v uveden\u00e9m term\u00ednu nestihne, plat\u00ed pom\u011brn\u011b vysok\u00fd sank\u010dn\u00ed \u00farok, n\u011bjak\u00fdch dvacet a\u017e p\u011btadvacet procent.Aby se \u010dlov\u011bku kreditn\u00ed karta vyplatila, je t\u0159eba touto \u010dasto platit v obchodech; to aby j\u00ed poskytovan\u00e9 v\u00fdhody vynahradily poplatek za jej\u00ed vyd\u00e1n\u00ed.Debetn\u00ed kartanaopak slou\u017e\u00ed k tomu, aby \u010dlov\u011bk jej\u00ed pomoc\u00ed pou\u017e\u00edval sv\u00e9 pen\u00edze, ulo\u017een\u00e9 na sv\u00e9m vlastn\u00edm \u00fa\u010dtu. \u010clov\u011bk tak mus\u00ed nap\u0159ed na \u00fa\u010det vlo\u017eit n\u011bjak\u00e9 pen\u00edze, je\u017e n\u00e1sledn\u011b \u010derp\u00e1, a \u010dlov\u011bk ji vesm\u011bs dost\u00e1v\u00e1 p\u0159i zalo\u017een\u00ed \u00fa\u010dtu automaticky. By\u0165 se v posledn\u00edch letech debetn\u00ed karta po\u010d\u00edn\u00e1 trochu podobat t\u00e9 kreditn\u00ed, proto\u017ee banky nejednou umo\u017e\u0148uj\u00ed p\u0159e\u010derpat pen\u00edze na \u00fa\u010dtu o p\u0159edem povolenou \u010d\u00e1stku, ji\u017e je pak nutno s \u00faroky vr\u00e1tit; co\u017e ale nen\u00ed pro debetn\u00ed kartu prim\u00e1rn\u00ed \u00fakol.Rozd\u00edl mezi ob\u011bma kartami je pak i p\u0159i v\u00fdb\u011brech z bankomatu. V tomto p\u0159\u00edpad\u011b je u kreditn\u00ed karty v\u011bt\u0161\u00ed poplatek za v\u00fdb\u011br, na takto vybran\u00e9 pen\u00edze se nevztahuje bez\u00faro\u010dn\u00e9 obdob\u00ed a stoup\u00e1 i \u00farok za poskytnut\u00ed t\u00e9to mo\u017enosti, zat\u00edmco v\u00fdb\u011br kartou debetn\u00ed je podstatn\u011b levn\u011bj\u0161\u00ed, ne-li rovnou zdarma.Ale to nen\u00ed vid\u011bt na prvn\u00ed pohled. A proto u n\u00e1s sice nejednou \u0159\u00edk\u00e1me, \u017ee plat\u00edme kreditkou, ov\u0161em ve skute\u010dnosti jsou tu hojn\u011bj\u0161\u00ed karty debetn\u00ed. Na rozd\u00edl od Ameriky, kde se plat\u00ed v\u00edce kreditkami, zat\u00edmco debetky jsou vz\u00e1cn\u011bj\u0161\u00ed.Co\u017e je ale vcelku jedno. Proto\u017ee v obou p\u0159\u00edpadech je t\u0159eba m\u00edt pen\u00edze. Jinak jsou n\u00e1m ob\u011b karty vcelku k ni\u010demu. 4.6\/5 - (11 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010c\u00edm se vlastn\u011b karty li\u0161\u00ed?","item":"https:\/\/www.liver.cz\/cim-se-vlastne-karty-lisi\/#breadcrumbitem"}]}]