[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.arcr.cz\/platebni-vs-debetni-karta-kdy-se-vyplati-a-jakou-maji-alternativu\/#Article","mainEntityOfPage":"https:\/\/www.arcr.cz\/platebni-vs-debetni-karta-kdy-se-vyplati-a-jakou-maji-alternativu\/","headline":"Platebn\u00ed vs. debetn\u00ed karta? Kdy se vyplat\u00ed a jakou maj\u00ed alternativu?","name":"Platebn\u00ed vs. debetn\u00ed karta? Kdy se vyplat\u00ed a jakou maj\u00ed alternativu?","description":"V sou\u010dasn\u00e9 dob\u011b m\u00e1me vyb\u00edr\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f i r\u016fzn\u00e9 platby zjednodu\u0161en\u00e9 r\u016fzn\u00fdmi druhy platebn\u00edch karet. Nejzn\u00e1m\u011bj\u0161\u00edmi a nejvyu\u017e\u00edvan\u011bj\u0161\u00edmi jsou kreditn\u00ed a debetn\u00ed karty. Na prvn\u00ed pohled v nich nen\u00ed \u017e\u00e1dn\u00fd rozd\u00edl. Ten se pozn\u00e1 a\u017e<a class=\"read-more\" href=\"https:\/\/www.arcr.cz\/platebni-vs-debetni-karta-kdy-se-vyplati-a-jakou-maji-alternativu\/\">Continue reading<\/a>","datePublished":"2020-03-19","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.arcr.cz\/author\/#Person","name":"arcr.cz\n","url":"https:\/\/www.arcr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"arcr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.arcr.cz\/wp-content\/uploads\/img_a374201_w1703_t1585894945.jpg","url":"https:\/\/www.arcr.cz\/wp-content\/uploads\/img_a374201_w1703_t1585894945.jpg","height":0,"width":0},"url":"https:\/\/www.arcr.cz\/platebni-vs-debetni-karta-kdy-se-vyplati-a-jakou-maji-alternativu\/","about":["Business"],"wordCount":404,"articleBody":" V sou\u010dasn\u00e9 dob\u011b m\u00e1me vyb\u00edr\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f i r\u016fzn\u00e9 platby zjednodu\u0161en\u00e9 r\u016fzn\u00fdmi druhy platebn\u00edch karet. Nejzn\u00e1m\u011bj\u0161\u00edmi a nejvyu\u017e\u00edvan\u011bj\u0161\u00edmi jsou kreditn\u00ed a debetn\u00ed karty. Na prvn\u00ed pohled v nich nen\u00ed \u017e\u00e1dn\u00fd rozd\u00edl. Ten se pozn\u00e1 a\u017e v jejich vyu\u017eit\u00ed a jak funguje kreditn\u00ed karta.  Kreditn\u00ed karta Vystaven\u00ed kreditn\u00ed karty si m\u016f\u017eete vy\u0159\u00eddit v podstat\u011b u jak\u00e9koliv banky. Jej\u00ed vystaven\u00ed nen\u00ed podm\u00edn\u011bno zaveden\u00edm b\u011b\u017en\u00e9ho \u00fa\u010dtu. Jedn\u00e1 se o bankovn\u00ed p\u016fj\u010dku, kterou jednodu\u0161e z karty pot\u00e9 \u010derp\u00e1te. Limit je pevn\u011b nastaven. Postupn\u011b tedy vyb\u00edr\u00e1te pen\u00edze z banky, kter\u00e1 kreditku vydala. Je ale nutn\u00e9 splatit pen\u00edze v bez\u00faro\u010dn\u00e9m obdob\u00ed. Jinak hroz\u00ed, \u017ee v\u00e1m nasko\u010d\u00ed vysok\u00fd \u00farok. Kreditn\u00ed karta tak\u00e9 nen\u00ed v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b vhodn\u00e1 pro vyb\u00edr\u00e1n\u00ed pen\u011bz z bankomatu. A to ze dvou d\u016fvod\u016f: 1) v\u00fdb\u011br z bankomatu je zpoplatn\u011bn vysokou \u010d\u00e1stkou. I za mal\u00fd v\u00fdb\u011br m\u016f\u017eete zaplatit vysok\u00fd poplatek. 2) Vybran\u00e1 \u010d\u00e1stka je tak\u00e9 hned z\u00faro\u010dena. Pokud plat\u00edte kreditn\u00ed kartou v obchod\u011b, pak plat\u00ed bez\u00faro\u010dn\u00e9 obdob\u00ed. Debetn\u00ed karta Oproti tomu debetn\u00ed karta je sou\u010d\u00e1st\u00ed va\u0161eho bankovn\u00edho \u00fa\u010dtu. Je tedy podm\u00edn\u011bna jeho zalo\u017een\u00edm u p\u0159\u00edslu\u0161n\u00e9 banky. Bez probl\u00e9m\u016f s n\u00ed m\u016f\u017eete vyb\u00edrat z bankomat\u016f a platit v obchodech. A to a\u017e do v\u00fd\u0161e ulo\u017een\u00e9 \u010d\u00e1stky. o V tomto p\u0159\u00edpad\u011b tedy opatrn\u011b na n\u00e1kupy v obchodech. o Co v bance nem\u00e1te, to z karty v obchod\u011b nedostanete. o Je tedy nutn\u00e9 hl\u00eddat si sv\u00e9 limity.  Rozd\u00edl mezi kreditn\u00ed a debetn\u00ed kartou je tedy jasn\u00fd. Kreditn\u00ed karta pracuje s pen\u011bzi banky. Debetn\u00ed karta pracuje s va\u0161imi \u00fasporami. Zaj\u00edmavou mo\u017enost\u00ed v t\u00e9to oblasti je platba MALL Pay. Jedn\u00e1 se o platebn\u00ed metodu, d\u00edky kter\u00e9 nemus\u00edte platit v e-shopech p\u0159edem, ale a\u017e po rozbalen\u00ed zbo\u017e\u00ed. E-shopy, kter\u00e9 se do tohoto projektu zapojily, v\u00e1m d\u00e1vaj\u00ed a\u017e 14 dn\u016f \u010dasu na zaplacen\u00ed. Tato odlo\u017een\u00e1 platba je zdarma, bez jak\u00fdchkoliv poplatk\u016f. M\u00e1te tedy \u010das na rozmy\u0161lenou a u\u017e se v\u00e1m nem\u016f\u017ee st\u00e1t, \u017ee zaplat\u00edte za n\u011bco, co se v\u00e1m nehod\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Platebn\u00ed vs. debetn\u00ed karta? Kdy se vyplat\u00ed a jakou maj\u00ed alternativu?","item":"https:\/\/www.arcr.cz\/platebni-vs-debetni-karta-kdy-se-vyplati-a-jakou-maji-alternativu\/#breadcrumbitem"}]}]