{"id":11663,"date":"2019-10-26T18:43:18","date_gmt":"2019-10-26T17:43:18","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&p=943"},"modified":"2026-06-03T13:27:42","modified_gmt":"2026-06-03T11:27:42","slug":"kreditni-karta","status":"publish","type":"pojem","link":"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-k\/kreditni-karta\/","title":{"rendered":"Kreditn\u00ed karta"},"content":{"rendered":"\n

Kreditn\u00ed karta<\/a> je platebn\u00ed karta, kterou klient u banky z\u00edsk\u00e1, i pokud u n\u00ed nem\u00e1 zalo\u017een\u00fd b\u011b\u017en\u00fd \u00fa\u010det. P\u0159i vyu\u017eit\u00ed t\u00e9to karty plat\u00ed pen\u011bzi banky<\/strong>, nikoli sv\u00fdmi. P\u016fj\u010den\u00e9 pen\u00edze postupn\u011b spl\u00e1c\u00ed a m\u016f\u017ee je z\u00e1rove\u0148 d\u00e1l \u010derpat, jedn\u00e1 se o tzv. revolvingov\u00fd \u00fav\u011br<\/a>.<\/p>\n\n\n\n

Pokud u\u017eivatel\nsplat\u00ed p\u016fj\u010den\u00e9 pen\u00edze z kreditn\u00ed karty b\u011bhem bez\u00faro\u010dn\u00e9ho\nobdob\u00ed<\/strong>, kter\u00e9 se obvykle pohybuje mezi 40 a 60 dny, je vyu\u017eit\u00ed\nzdarma. Pokud tuto lh\u016ftu p\u0159ekro\u010d\u00ed, zaplat\u00ed pom\u011brn\u011b vysok\u00e9\n\u00faroky za celou dobu<\/strong>, po kterou m\u011bl pen\u00edze p\u016fj\u010den\u00e9.<\/p>\n\n\n\n

Zcela zdarma ale pou\u017e\u00edv\u00e1n\u00ed kreditn\u00ed karty obvykle nen\u00ed ani pokud klient spl\u00e1c\u00ed v\u010das. Podle poskytovatele m\u016f\u017ee platit<\/a> r\u016fzn\u00e9 poplatky spojen\u00e9 s\u00a0vyu\u017e\u00edv\u00e1n\u00edm karty, nap\u0159\u00edklad za z\u0159\u00edzen\u00ed \u010di veden\u00ed karty. Na druhou stranu nab\u00edz\u00ed kreditn\u00ed karta \u0159adu benefit\u016f, mezi kter\u00e9 pat\u0159\u00ed cashback <\/a>z\u00a0n\u00e1kupu nebo slevy u partnersk\u00fdch prodejc\u016f<\/strong>.<\/p>\n\n\n\n

Limit, do kter\u00e9ho klient m\u016f\u017ee s kreditn\u00ed kartou platit, ur\u010duje banka individu\u00e1ln\u011b na z\u00e1klad\u011b \u0159ady informac\u00ed o klientov\u011b platebn\u00ed mor\u00e1lce, historii, pravideln\u00fdch p\u0159\u00edjmech a dal\u0161\u00edch faktorech. Jeho nav\u00fd\u0161en\u00ed lze dos\u00e1hnout za\u017e\u00e1d\u00e1n\u00edm o pr\u00e9miovou kreditn\u00ed kartu jako je Gold, Platinum, World Elite \u010di Infinite<\/strong>.<\/p>\n","protected":false},"template":"","tags":[44,28,21],"pismeno":[3260],"class_list":["post-11663","pojem","type-pojem","status-publish","hentry","tag-kreditni-karta","tag-platba-online","tag-platebni-metody","pismeno-pismeno-k","entry"],"acf":[],"yoast_head":"\nKreditn\u00ed karta | Skip Pay<\/title>\n<meta name=\"description\" content=\"Kreditn\u00ed karta je platebn\u00ed karta, kterou klient u banky z\u00edsk\u00e1, i pokud u n\u00ed nem\u00e1 zalo\u017een\u00fd b\u011b\u017en\u00fd \u00fa\u010det. 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