[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.minasgerais.cz\/ale-neni-karta-jako-karta\/#Article","mainEntityOfPage":"https:\/\/www.minasgerais.cz\/ale-neni-karta-jako-karta\/","headline":"Ale nen\u00ed karta jako karta","name":"Ale nen\u00ed karta jako karta","description":"Je s podivem, \u017ee kreditn\u00ed kartu vlastn\u00ed polovina n\u00e1roda. Nebo to tak nen\u00ed? Jak je mo\u017en\u00e9, \u017ee je\u0161t\u011b dnes st\u00e1le najdeme lidi, kte\u0159\u00ed si pojem kreditn\u00ed […]","datePublished":"2019-06-12","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.minasgerais.cz\/author\/#Person","name":"","url":"https:\/\/www.minasgerais.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"minasgerais.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.minasgerais.cz\/wp-content\/uploads\/img_a348794_w2901_t1563644665.png","url":"https:\/\/www.minasgerais.cz\/wp-content\/uploads\/img_a348794_w2901_t1563644665.png","height":0,"width":0},"url":"https:\/\/www.minasgerais.cz\/ale-neni-karta-jako-karta\/","about":["Finance"],"wordCount":439,"articleBody":"Je s podivem, \u017ee kreditn\u00ed kartu vlastn\u00ed polovina n\u00e1roda. Nebo to tak nen\u00ed? Jak je mo\u017en\u00e9, \u017ee je\u0161t\u011b dnes st\u00e1le najdeme lidi, kte\u0159\u00ed si pojem kreditn\u00ed a debetn\u00ed karta pletou? Nebo ho jen necht\u011bj\u00ed pochopit?Nen\u00ed \u017e\u00e1dnou novinkou, \u017ee slovn\u00edk pojm\u016f v bankovnictv\u00ed, je pro v\u011bt\u0161inu lid\u00ed \u0161pan\u011blskou vesnic\u00ed a \u017ee produktov\u00e9 podm\u00ednky slou\u017e\u00ed jen na podpal v krbu. Ale zrovna v tomto p\u0159\u00edpad\u011b se vyplat\u00ed jim v\u011bnovat svou plnou pozornost. Mohlo by n\u00e1s to st\u00e1t nemal\u00e9 probl\u00e9my.\tDebetn\u00ed kartaTato karta se vyd\u00e1v\u00e1 p\u0159i zakl\u00e1d\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu u finan\u010dn\u00edho \u00fastavu, banky chceme-li a jej\u00edm principem fungov\u00e1n\u00ed je \u010derp\u00e1n\u00ed KLADN\u00c9HO z\u016fstatku, tzn. va\u0161ich vlastn\u00edch pen\u011bz, kter\u00e9 jsou na \u00fa\u010dtu. Prakticky slou\u017e\u00ed pouze k tomu, abychom m\u011bli nep\u0159etr\u017eit\u00fd p\u0159\u00edstup, p\u0159ipom\u00edn\u00e1m k VLASTN\u00cdM pen\u011bz\u016fm, prost\u0159ednictv\u00edm bankomat\u016f bez z\u00e1vislosti na otev\u00edrac\u00ed dobu bankovn\u00edch pobo\u010dek.\tKreditn\u00ed kartaZat\u00edmco kreditku V\u00e1m vydaj\u00ed bez jak\u00e9koli n\u00e1vaznosti na b\u011b\u017en\u00fd \u00fa\u010det. Prakticky je to oby\u010dejn\u00fd \u00fav\u011br. Vy \u010derp\u00e1te pen\u00edze banky. M\u011bs\u00ed\u010dn\u011b sta\u010d\u00ed, kdy\u017e plat\u00edte pouze tak zvanou minim\u00e1ln\u00ed spl\u00e1tku a dluh se n\u00e1m st\u00e1le dokola zv\u011bt\u0161uje a k tomu p\u0159ipo\u010d\u00edtejme \u00farok, kter\u00fd se zpravidla pohybuje kolem 20%. Samoz\u0159ejm\u011b ned\u00e1 n\u00e1m to moc pr\u00e1ce a nalezneme i nebankovn\u00ed instituce, kde je to procento mnohem, mnohem vy\u0161\u0161\u00ed. A pak u\u017e se to\u010d\u00edme jak k\u0159e\u010dek v kole\u010dku po\u0159\u00e1d dokola a je neuv\u011b\u0159iteln\u011b t\u011b\u017ek\u00e9 z n\u011bj vysko\u010dit. Nen\u00ed-li u\u017e \u00fapln\u011b pozd\u011b. Spousta lid\u00ed nakonec mus\u00ed s\u00e1hnout po v\u011bt\u0161\u00edm \u00fav\u011bru, aby se jim povedlo kartu splatit. Spl\u00e1c\u00ed dluh dluhem.Ale abychom dali t\u00e9to kart\u011b je\u0161t\u011b \u0161anci. V n\u011bkter\u00fdch bank\u00e1ch poskytuj\u00ed n\u011bkolika denn\u00ed bez\u00faro\u010dn\u00e9 obdob\u00ed. Co\u017e v praxi funguje tak, \u017ee kdy\u017e zaplat\u00edte vy\u010derpan\u00e9 pen\u00edze do stanoven\u00e9 lh\u016fty, neplat\u00edte \u017e\u00e1dn\u00fd \u00farok a naopak \u010derp\u00e1te p\u0159edem smluven\u00e9 v\u00fdhody, v\u011bt\u0161inou \u010d\u00e1st vr\u00e1cen\u00fdch pen\u011bz z n\u00e1kupu. To v podstat\u011b znamen\u00e1, \u017ee kdy\u017e se nau\u010d\u00edme kartu spr\u00e1vn\u011b pou\u017e\u00edvat, m\u016f\u017ee se n\u00e1m opravdu vyplatit. Ov\u0161em pouze za p\u0159edpokladu, \u017ee netrp\u00edm ztr\u00e1tou kr\u00e1tkoblb\u00e9 pam\u011bti a budu v\u010das platit.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ale nen\u00ed karta jako karta","item":"https:\/\/www.minasgerais.cz\/ale-neni-karta-jako-karta\/#breadcrumbitem"}]}]