{"id":432,"date":"2019-05-31T08:00:04","date_gmt":"2019-05-31T07:00:04","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=432"},"modified":"2025-10-08T13:36:25","modified_gmt":"2025-10-08T11:36:25","slug":"jak-pouzivat-kreditni-kartu","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/","title":{"rendered":"Jak funguje kreditka? Porad\u00edme v\u00e1m, jak z n\u00ed dostat maximum v\u00fdhod"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>1.<\/strong> <strong>Nen\u00ed karta jako karta<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poj\u010fme si nejprve ujasnit pojmy. V \u010de\u0161tin\u011b se v\u00fdraz \u201ekreditka\u201c v\u017eil jako ozna\u010den\u00ed pro jakoukoliv plastovou karti\u010dku, kter\u00e1 v\u00e1m umo\u017en\u00ed v\u00fdb\u011bry z bankomatu a placen\u00ed u obchodn\u00edk\u016f nebo na internetu. Mo\u017en\u00e1 za to m\u016f\u017eou americk\u00e9 filmy, proto\u017ee v anglofonn\u00edm prost\u0159ed\u00ed je pou\u017e\u00edv\u00e1n\u00ed kreditn\u00edch karet u\u017e roky mnohem roz\u0161\u00ed\u0159en\u011bj\u0161\u00ed ne\u017e u n\u00e1s. Skute\u010dnost se ale m\u00e1 tak, \u017ee karta, pomoc\u00ed n\u00ed\u017e vyu\u017e\u00edv\u00e1te pen\u00edze ze sv\u00e9ho \u00fa\u010dtu, se naz\u00fdv\u00e1 debetn\u00ed, zat\u00edmco <strong>prost\u0159ednictv\u00edm kreditn\u00ed karty \u010derp\u00e1te pen\u00edze, kter\u00e9 ve skute\u010dnosti nejsou va\u0161e<\/strong>, ale banky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2.<\/strong> <strong>Na kreditku nedos\u00e1hne ka\u017ed\u00fd<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debetn\u00ed kartu zpravidla obdr\u017e\u00ed ka\u017ed\u00fd, kdo si v libovoln\u00e9 bance z\u0159\u00edd\u00ed \u00fa\u010det. To znamen\u00e1, \u017ee platebn\u00ed kartu v sou\u010dasn\u00e9 dob\u011b vlastn\u00ed \u2013 s v\u00fdjimkou mal\u00e9ho procenta staromilc\u016f, kte\u0159\u00ed nedaj\u00ed dopustit na hotovost \u2013 tak\u0159ka ka\u017ed\u00fd. Ale k tomu, aby v\u00e1m banka z\u0159\u00eddila tak\u00e9 kreditku, <strong>mus\u00edte splnit ur\u010dit\u00e9 podm\u00ednky<\/strong>. Dr\u017eitel kreditn\u00ed karty, kter\u00e1 pat\u0159\u00ed mezi \u00fav\u011brov\u00e9 produkty, mus\u00ed b\u00fdt star\u0161\u00ed 18 let a proj\u00edt s\u00edtem tzv. credit scoringu, tedy prov\u011brkou, je\u017e zhodnot\u00ed jeho schopnost spl\u00e1cet p\u0159\u00edpadn\u00fd \u00fav\u011br z karty. \u0160ance kreditku z\u00edskat je v\u017edy vy\u0161\u0161\u00ed u va\u0161\u00ed domovsk\u00e9 banky, kter\u00e1 m\u00e1 detailn\u00ed p\u0159ehled o va\u0161ich p\u0159\u00edjmech, v\u00fddaj\u00edch i finan\u010dn\u00ed mor\u00e1lce.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3.<\/strong> <strong>Vy\u017ed\u00edmejte z karty maximum benefit\u016f<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e kreditku vyu\u017e\u00edv\u00e1te chyt\u0159e, skv\u011ble v\u00e1m poslou\u017e\u00ed, ale v opa\u010dn\u00e9m p\u0159\u00edpad\u011b se m\u016f\u017ee po\u0159\u00e1dn\u011b prodra\u017eit. V\u011bt\u0161ina <a href=\"https:\/\/www.pujcka.co\/kreditni-karty\">kreditn\u00edch karet<\/a> sv\u00fdm dr\u017eitel\u016fm umo\u017e\u0148uje p\u0159i placen\u00ed z\u00edsk\u00e1vat nejr\u016fzn\u011bj\u0161\u00ed v\u00fdhody. M\u016f\u017ee j\u00edt o <a href=\"https:\/\/skippay.cz\/slevy\">slevy<\/a> a nadstandardn\u00ed slu\u017eby u partnersk\u00fdch obchodn\u00edk\u016f, z\u00edsk\u00e1v\u00e1n\u00ed \u010d\u00e1sti pen\u011bz z n\u00e1kupu zp\u011bt, tzv. <strong><a href=\"https:\/\/skippay.cz\/blog\/7-tipu-jak-chytre-nakupovat-na-internetu\/\">cashback<\/a><\/strong>, nebo automatick\u00e9 p\u0159i\u010d\u00edt\u00e1n\u00ed ur\u010dit\u00e9ho procenta z utracen\u00fdch \u010d\u00e1stek na spo\u0159ic\u00ed \u00fa\u010det nebo \u00fa\u010det d\u016fchodov\u00e9ho spo\u0159en\u00ed. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_ancient-arch-architecture-2087391.jpg\" alt=\"Kreditn\u00ed kartu vyu\u017e\u00edvejte p\u0159i platb\u00e1ch v zahrani\u010d\u00ed.\" class=\"wp-image-433\" srcset=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_ancient-arch-architecture-2087391.jpg 640w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_ancient-arch-architecture-2087391-300x200.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">\u010casto cestujete? Kreditka se v\u00e1m bude hodit.<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Kreditku, k n\u00ed\u017e se \u010dasto v\u00e1\u017ee <strong>cestovn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, se vyplat\u00ed pou\u017e\u00edvat tak\u00e9 v zahrani\u010d\u00ed, kde n\u011bkdy b\u00fdv\u00e1 pot\u00ed\u017e s vyu\u017e\u00edv\u00e1n\u00edm debetn\u00edch karet, t\u0159eba kdy\u017e si chcete p\u016fj\u010dit auto. Zkr\u00e1tka \u2013 &nbsp;aby se v\u00e1m <a href=\"https:\/\/skippay.cz\/karta\">kreditka<\/a> vyplatila,<strong> <\/strong>je t\u0159eba ji <strong>aktivn\u011b vyu\u017e\u00edvat<\/strong>. \u0158ada lid\u00ed proto k placen\u00ed vyu\u017e\u00edv\u00e1 jen ji a ka\u017ed\u00fd m\u011bs\u00edc pak rychl\u00fdm p\u0159evodem z b\u011b\u017en\u00e9ho \u00fa\u010dtu dorovn\u00e1 vy\u010derpanou \u010d\u00e1stku. Toto lze u n\u011bkter\u00fdch bank za drobn\u00fd poplatek nastavit automaticky, abyste si s placen\u00edm nemuseli d\u011blat hlavu. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4.<\/strong> <strong>Rozumn\u00fd limit je z\u00e1klad<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00e1 <a href=\"https:\/\/skippay.cz\/blog\/kreditka-debetka-visa-nebo-mastercard\/\">kreditn\u00ed karta<\/a> m\u00e1 p\u0159ednastaven\u00fd <strong>\u00fav\u011brov\u00fd limit<\/strong>, kter\u00fd stanovuje, jakou \u010d\u00e1stku s n\u00ed m\u016f\u017eete \u010derpat. Jeho maxim\u00e1ln\u00ed v\u00fd\u0161e z\u00e1vis\u00ed na va\u0161ich p\u0159\u00edjmech a m\u016f\u017ee se vy\u0161plhat a\u017e k n\u011bkolikan\u00e1sobku va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. Pokud o sob\u011b v\u00edte, \u017ee r\u00e1di utr\u00e1c\u00edte, <strong>nechte si v bance limit nastavit tak, aby nebyl p\u0159\u00edli\u0161 vysok\u00fd<\/strong> a nel\u00e1kal v\u00e1s ke zbyte\u010dn\u00e9mu zadlu\u017een\u00ed. V p\u0159\u00edpad\u011b pot\u0159eby ho m\u016f\u017eete v\u017edy nav\u00fd\u0161it \u2013 jednor\u00e1zov\u011b nebo trvale. To se hod\u00ed, kdy\u017e chcete \u010derpat slevu p\u0159i v\u011bt\u0161\u00edm n\u00e1kupu nebo zaplatit dovolenou, jej\u00ed\u017e cenu platba kreditn\u00ed kartou sn\u00ed\u017e\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Srovn\u00e1n\u00ed kreditn\u00edch karet<\/h3>\n\n\n\n<div class=\"table-responsive\"><table class=\"wp-block-table table has-subtle-pale-green-background-color has-background is-style-stripes\"><tbody><tr><td><strong>Banka<\/strong><\/td><td><strong>Kreditn\u00ed karta<\/strong><\/td><td><strong> M\u011bs\u00ed\u010dn\u00ed poplatek za veden\u00ed <\/strong><\/td><td><strong>\u00darok<\/strong><\/td><td><strong>Bez\u00faro\u010dn\u00e9 obdob\u00ed<\/strong><\/td><\/tr><tr><td>\u010cesk\u00e1 spo\u0159itelna<\/td><td>Kreditn\u00ed karta \u010cesk\u00e9 spo\u0159itelny<\/td><td>50 K\u010d (p\u0159i \u00fatrat\u011b nad 3 000 K\u010d ZDARMA)<\/td><td>24&nbsp;%<\/td><td>55 dn\u016f<\/td><\/tr><tr><td>\u010cSOB<\/td><td>Kreditn\u00ed karta Standard<\/td><td>30 K\u010d  (p\u0159i \u00fatrat\u011b nad 3 000 K\u010d ZDARMA) <\/td><td>19,9&nbsp;%<\/td><td>55 dn\u016f<\/td><\/tr><tr><td>Komer\u010dn\u00ed banka<\/td><td>A Karta<\/td><td>59 K\u010d  (p\u0159i \u00fatrat\u011b nad 3 000 K\u010d ZDARMA) <\/td><td>21,99&nbsp;%<\/td><td>45 dn\u016f<\/td><\/tr><tr><td>MONETA Money Bank<\/td><td>MoneyCard Smart<\/td><td>49 K\u010d  (p\u0159i \u00fatrat\u011b nad 3 000 K\u010d ZDARMA) <\/td><td>22,99&nbsp;%<\/td><td>50 dn\u016f<\/td><\/tr><tr><td>Fio banka<\/td><td>MasterCard Credit<\/td><td>ZDARMA<\/td><td>19,9&nbsp;%<\/td><td>45 dn\u016f<\/td><\/tr><tr><td>mBank<\/td><td>mKreditka<\/td><td>29 K\u010d (prvn\u00ed t\u0159i m\u011bs\u00edce ZDARMA)<\/td><td>23,8&nbsp;%<\/td><td>54 dn\u016f<\/td><\/tr><tr><td> Raiffeisenbank<\/td><td>Kreditn\u00ed karta STYLE<\/td><td>50 K\u010d<\/td><td>23,99&nbsp;%<\/td><td>55 dn\u016f<\/td><\/tr><tr><td> UniCredit Bank<\/td><td>Visa Classic Credit<\/td><td>40 K\u010d<\/td><td>23,4&nbsp;%<\/td><td>45 dn\u016f<\/td><\/tr><tr><td>Hello bank<\/td><td>Hello kreditka<\/td><td>ZDARMA<\/td><td>22,68&nbsp;%<\/td><td>55 dn\u016f<\/td><\/tr><\/tbody><\/table><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Air Bank a Equa bank aktu\u00e1ln\u011b kreditn\u00ed kartu nenab\u00edzej\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5.<\/strong> <strong>Kreditka nen\u00ed p\u016fj\u010dka<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i placen\u00ed kreditkou pou\u017e\u00edv\u00e1te pen\u00edze, kter\u00e9 nejsou va\u0161e. Po jejich na\u010derp\u00e1n\u00ed n\u00e1sleduje tzv. <strong>bez\u00faro\u010dn\u00e9 obdob\u00ed<\/strong>, kter\u00e9 v z\u00e1vislosti na poskytovateli karty trv\u00e1 p\u0159ibli\u017en\u011b 40 a\u017e 60 dn\u016f. V tomto obdob\u00ed m\u016f\u017eete<strong> vyp\u016fj\u010den\u00e9 finance bezplatn\u011b vr\u00e1tit<\/strong>, ale pokud \u010d\u00e1stku ve stanoven\u00e9m limitu nesplat\u00edte, za\u010dne se v\u00e1\u0161 dluh \u00faro\u010dit. A to \u00farokem, kter\u00fd je v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e ten, jak\u00fd v\u00e1m banky nab\u00eddnou ke klasick\u00e9 <a href=\"https:\/\/skippay.cz\/pujcka\">p\u016fj\u010dce<\/a>. Kreditn\u00ed kartu proto vyu\u017e\u00edvejte s rozmyslem \u2013 k z\u00edsk\u00e1v\u00e1n\u00ed v\u00fd\u0161e uveden\u00fdch benefit\u016f, platb\u00e1m na internetu a v zahrani\u010d\u00ed nebo v nouzov\u00fdch p\u0159\u00edpadech, kdy v\u00e1s p\u0159ekvap\u00ed <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">v\u00fddaje<\/a>, se kter\u00fdmi jste nepo\u010d\u00edtali. V\u017edy se ale sna\u017ete dlu\u017enou \u010d\u00e1stku v\u010das dorovnat, aby se va\u0161e kreditka pl\u00ed\u017eiv\u011b neprom\u011bnila v nev\u00fdhodn\u00fd \u00fav\u011br.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nab\u00edz\u00ed v\u00e1m banka kreditku, ale vy st\u00e1le v\u00e1h\u00e1te, proto\u017ee se nechcete zadlu\u017eovat? Takov\u00fd p\u0159\u00edstup je chv\u00e1lyhodn\u00fd!  Ale pokud jste zodpov\u011bdn\u00ed, zn\u00e1te sv\u00e9 finan\u010dn\u00ed mo\u017enosti a nem\u00e1te sklony k bezhlav\u00e9mu utr\u00e1cen\u00ed, nemus\u00edte se j\u00ed b\u00e1t.  Kreditn\u00ed karta v\u00e1m naopak m\u016f\u017ee p\u0159in\u00e9st spoustu v\u00fdhod, jen mus\u00edte v\u011bd\u011bt, jak ji spr\u00e1vn\u011b pou\u017e\u00edvat. Poj\u010fte se s n\u00e1mi pod\u00edvat, jak na to.<\/p>\n","protected":false},"author":6,"featured_media":434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[22],"class_list":["post-432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-platba-kartou","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 tip\u016f jak dostat z kreditn\u00ed karty maximum v\u00fdhod? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Kreditn\u00ed karta - co je bez\u00faro\u010dn\u00e9 obdob\u00ed a \u00fav\u011brov\u00fd r\u00e1mec, jak\u00fd \u00farok nab\u00edz\u00ed va\u0161e banka a pro\u010d se nevypl\u00e1c\u00ed pova\u017eovat kreditku za p\u016fj\u010dku?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 tip\u016f jak dostat z kreditn\u00ed karty maximum v\u00fdhod? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Kreditn\u00ed karta - co je bez\u00faro\u010dn\u00e9 obdob\u00ed a \u00fav\u011brov\u00fd r\u00e1mec, jak\u00fd \u00farok nab\u00edz\u00ed va\u0161e banka a pro\u010d se nevypl\u00e1c\u00ed pova\u017eovat kreditku za p\u016fj\u010dku?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-31T07:00:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-08T11:36:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_banking-card-credit-card-1332191_1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1397\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Jak funguje kreditka? Porad\u00edme v\u00e1m, jak z n\u00ed dostat maximum v\u00fdhod\",\"datePublished\":\"2019-05-31T07:00:04+00:00\",\"dateModified\":\"2025-10-08T11:36:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/\"},\"wordCount\":910,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/rsz_banking-card-credit-card-1332191_1.jpg\",\"keywords\":[\"Platba kartou\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/\",\"name\":\"5 tip\u016f jak dostat z kreditn\u00ed karty maximum v\u00fdhod? | Skip Pay\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/rsz_banking-card-credit-card-1332191_1.jpg\",\"datePublished\":\"2019-05-31T07:00:04+00:00\",\"dateModified\":\"2025-10-08T11:36:25+00:00\",\"description\":\"Kreditn\u00ed karta - co je bez\u00faro\u010dn\u00e9 obdob\u00ed a \u00fav\u011brov\u00fd r\u00e1mec, jak\u00fd \u00farok nab\u00edz\u00ed va\u0161e banka a pro\u010d se nevypl\u00e1c\u00ed pova\u017eovat kreditku za p\u016fj\u010dku?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#primaryimage\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/rsz_banking-card-credit-card-1332191_1.jpg\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/rsz_banking-card-credit-card-1332191_1.jpg\",\"width\":1920,\"height\":1397,\"caption\":\"Vyu\u017e\u00edvejte kreditku chyt\u0159e.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-pouzivat-kreditni-kartu\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Jak funguje kreditka? Porad\u00edme v\u00e1m, jak z n\u00ed dostat maximum v\u00fdhod\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"name\":\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\",\"name\":\"Skip Pay\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"width\":1200,\"height\":440,\"caption\":\"Skip Pay\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\",\"name\":\"Tomas Krasny\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"caption\":\"Tomas Krasny\"},\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/author\\\/tomask\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 tip\u016f jak dostat z kreditn\u00ed karty maximum v\u00fdhod? | Skip Pay","description":"Kreditn\u00ed karta - co je bez\u00faro\u010dn\u00e9 obdob\u00ed a \u00fav\u011brov\u00fd r\u00e1mec, jak\u00fd \u00farok nab\u00edz\u00ed va\u0161e banka a pro\u010d se nevypl\u00e1c\u00ed pova\u017eovat kreditku za p\u016fj\u010dku?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/","og_locale":"en_US","og_type":"article","og_title":"5 tip\u016f jak dostat z kreditn\u00ed karty maximum v\u00fdhod? | Skip Pay","og_description":"Kreditn\u00ed karta - co je bez\u00faro\u010dn\u00e9 obdob\u00ed a \u00fav\u011brov\u00fd r\u00e1mec, jak\u00fd \u00farok nab\u00edz\u00ed va\u0161e banka a pro\u010d se nevypl\u00e1c\u00ed pova\u017eovat kreditku za p\u016fj\u010dku?","og_url":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/","og_site_name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","article_published_time":"2019-05-31T07:00:04+00:00","article_modified_time":"2025-10-08T11:36:25+00:00","og_image":[{"width":1920,"height":1397,"url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_banking-card-credit-card-1332191_1.jpg","type":"image\/jpeg"}],"author":"Tomas Krasny","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tomas Krasny","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#article","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/"},"author":{"name":"Tomas Krasny","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/0709c74afc237a8e037d9b2e5578b164"},"headline":"Jak funguje kreditka? Porad\u00edme v\u00e1m, jak z n\u00ed dostat maximum v\u00fdhod","datePublished":"2019-05-31T07:00:04+00:00","dateModified":"2025-10-08T11:36:25+00:00","mainEntityOfPage":{"@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/"},"wordCount":910,"commentCount":0,"publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"image":{"@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_banking-card-credit-card-1332191_1.jpg","keywords":["Platba kartou"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/","url":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/","name":"5 tip\u016f jak dostat z kreditn\u00ed karty maximum v\u00fdhod? | Skip Pay","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#primaryimage"},"image":{"@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_banking-card-credit-card-1332191_1.jpg","datePublished":"2019-05-31T07:00:04+00:00","dateModified":"2025-10-08T11:36:25+00:00","description":"Kreditn\u00ed karta - co je bez\u00faro\u010dn\u00e9 obdob\u00ed a \u00fav\u011brov\u00fd r\u00e1mec, jak\u00fd \u00farok nab\u00edz\u00ed va\u0161e banka a pro\u010d se nevypl\u00e1c\u00ed pova\u017eovat kreditku za p\u016fj\u010dku?","breadcrumb":{"@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#primaryimage","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_banking-card-credit-card-1332191_1.jpg","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/05\/rsz_banking-card-credit-card-1332191_1.jpg","width":1920,"height":1397,"caption":"Vyu\u017e\u00edvejte kreditku chyt\u0159e."},{"@type":"BreadcrumbList","@id":"https:\/\/skippay.cz\/blog\/jak-pouzivat-kreditni-kartu\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/skippay.cz\/blog\/"},{"@type":"ListItem","position":2,"name":"Jak funguje kreditka? Porad\u00edme v\u00e1m, jak z n\u00ed dostat maximum v\u00fdhod"}]},{"@type":"WebSite","@id":"https:\/\/skippay.cz\/blog\/#website","url":"https:\/\/skippay.cz\/blog\/","name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","description":"","publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/skippay.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/skippay.cz\/blog\/#organization","name":"Skip Pay","url":"https:\/\/skippay.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","width":1200,"height":440,"caption":"Skip Pay"},"image":{"@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/0709c74afc237a8e037d9b2e5578b164","name":"Tomas Krasny","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","caption":"Tomas Krasny"},"url":"https:\/\/skippay.cz\/blog\/author\/tomask\/"}]}},"_links":{"self":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/comments?post=432"}],"version-history":[{"count":30,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/432\/revisions"}],"predecessor-version":[{"id":11899,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/432\/revisions\/11899"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media\/434"}],"wp:attachment":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media?parent=432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/categories?post=432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/tags?post=432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}