[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ruefa.sk\/kreditna-a-ci-debetna-platobna-karta\/#Article","mainEntityOfPage":"https:\/\/www.ruefa.sk\/kreditna-a-ci-debetna-platobna-karta\/","headline":"Kreditn\u00e1 a \u010di debetn\u00e1 platobn\u00e1 karta?","name":"Kreditn\u00e1 a \u010di debetn\u00e1 platobn\u00e1 karta?","description":"Hovor\u00ed sa, \u017ee finan\u010dn\u00e1 gramotnos\u0165 slovensk\u00e9ho obyvate\u013estva je na mizivej \u00farovni. Deti v\u00a0\u0161kole nemaj\u00fa predmet priamo zameran\u00fd na zdokonalenie sa v\u00a0oblasti finan\u010dn\u00edctva, \u010do je v\u00a0mnoh\u00fdch pr\u00edpadoch na \u0161kodu. Nepoznaj\u00fa prav\u00fa hodnotu financi\u00ed, nevedia s\u00a0nimi pracova\u0165 v\u00a0re\u00e1lnom svete. V\u00a0dospelosti maj\u00fa probl\u00e9m vyzna\u0165 sa vo finan\u010dn\u00fdch produktoch a\u00a0pos\u00fadi\u0165, \u010do je pre nich vhodn\u00e9 a\u00a0naopak, na \u010dom prerobia. […]","datePublished":"2019-11-11","dateModified":"2019-11-11","author":{"@type":"Person","@id":"https:\/\/www.ruefa.sk\/author\/#Person","name":"","url":"https:\/\/www.ruefa.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ruefa.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ruefa.sk\/wp-content\/uploads\/img_a300422_w16479_t1557513813.jpg","url":"https:\/\/www.ruefa.sk\/wp-content\/uploads\/img_a300422_w16479_t1557513813.jpg","height":0,"width":0},"url":"https:\/\/www.ruefa.sk\/kreditna-a-ci-debetna-platobna-karta\/","wordCount":362,"articleBody":"Hovor\u00ed sa, \u017ee finan\u010dn\u00e1 gramotnos\u0165 slovensk\u00e9ho obyvate\u013estva je na mizivej \u00farovni. Deti v\u00a0\u0161kole nemaj\u00fa predmet priamo zameran\u00fd na zdokonalenie sa v\u00a0oblasti finan\u010dn\u00edctva, \u010do je v\u00a0mnoh\u00fdch pr\u00edpadoch na \u0161kodu. Nepoznaj\u00fa prav\u00fa hodnotu financi\u00ed, nevedia s\u00a0nimi pracova\u0165 v\u00a0re\u00e1lnom svete. V\u00a0dospelosti maj\u00fa probl\u00e9m vyzna\u0165 sa vo finan\u010dn\u00fdch produktoch a\u00a0pos\u00fadi\u0165, \u010do je pre nich vhodn\u00e9 a\u00a0naopak, na \u010dom prerobia. Osobn\u00e9 a\u00a0rodinn\u00e9 financie by mal zvl\u00e1dnu\u0165 riadi\u0165 ka\u017ed\u00fd s\u00e1m. Av\u0161ak, je tomu re\u00e1lne tak?Jednoduchos\u0165 a\u00a0praktickos\u0165. To je dom\u00e9na platobn\u00fdch kariet. Nemus\u00edte ma\u0165 pri sebe \u017eiadnu hotovos\u0165 a\u00a0aj tak si viete v\u00a0pr\u00edpade potreby k\u00fapi\u0165 to, \u010do potrebujete. Z\u00e1js\u0165 do najbli\u017e\u0161ej pobo\u010dky ur\u010ditej banky by nemal by\u0165 \u017eiaden probl\u00e9m. Viete v\u0161ak presne, ak\u00fd typ platobnej karty pre va\u0161e potreby potrebujete?V\u00a0jednoduchosti \u2013 ak plat\u00edte debetnou kartou, \u010derp\u00e1te svoje dostupn\u00e9 finan\u010dn\u00e9 prostriedky, pri\u010dom v\u00a0pr\u00edpade kreditnej karty \u010derp\u00e1te kr\u00e1tkodob\u00fd \u00faver, ktor\u00fd budete musie\u0165 splati\u0165. Rozpozna\u0165 debetn\u00fa kartu od kreditnej na prv\u00fd poh\u013ead nejde. Preto je d\u00f4le\u017eit\u00e9 vedie\u0165, o\u00a0ak\u00fd typ platobnej karty m\u00e1te z\u00e1ujem.V\u00a0pr\u00edpade debetnej karty, ako u\u017e bolo spomenut\u00e9, \u010derp\u00e1te vlastn\u00e9 finan\u010dn\u00e9 prostriedky do v\u00fd\u0161ky v\u00e1\u0161ho zostatku na karte. Je vydan\u00e1 k\u00a0v\u00e1\u0161mu be\u017en\u00e9mu \u00fa\u010dtu a\u00a0z\u00edskate ju prakticky bez probl\u00e9mov. Medzin\u00e1rodn\u00e1 platnos\u0165 va\u0161ej debetnej karty v\u00e1m umo\u017en\u00ed plati\u0165 \u0148ou i\u00a0za hranicami Slovenskej republiky. Na druhej strane, platen\u00edm prostredn\u00edctvom kreditnej karty \u010derp\u00e1te tzv. kredit (\u00faver), ktor\u00fd m\u00f4\u017eete pre\u010derpa\u0165 v\u00a0pr\u00edpade, \u017ee nem\u00e1te dostatok svojich vlastn\u00fdch vo\u013en\u00fdch finan\u010dn\u00fdch prostriedkov. \u010cerp\u00e1te teda zdroje banky, u\u00a0ktorej ste si kreditn\u00fa kartu zaobstarali. Netreba v\u0161ak zab\u00fada\u0165, \u017ee z\u00a0\u00faveru plat\u00edte banke \u00faroky. Banka v\u0161ak m\u00f4\u017ee pon\u00faknu\u0165 klientom i bez\u00faro\u010dn\u00e9 obdobie. Ak splat\u00edte \u00faver v\u00a0r\u00e1mci tohto obdobia, po\u017ei\u010dali ste si vlastne zadarmo. Praktick\u00e9, v\u0161ak?                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00e1 a \u010di debetn\u00e1 platobn\u00e1 karta?","item":"https:\/\/www.ruefa.sk\/kreditna-a-ci-debetna-platobna-karta\/#breadcrumbitem"}]}]