{"id":632,"date":"2025-10-01T12:26:04","date_gmt":"2025-10-01T10:26:04","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=632"},"modified":"2025-10-03T13:17:40","modified_gmt":"2025-10-03T11:17:40","slug":"kreditka-debetka-visa-nebo-mastercard","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/kreditka-debetka-visa-nebo-mastercard\/","title":{"rendered":"Kreditka, debetka, VISA nebo Mastercard? V\u0161e, co byste m\u011bli v\u011bd\u011bt o platebn\u00edch kart\u00e1ch"},"content":{"rendered":"\n

Jak se li\u0161\u00ed kreditn\u00ed a debetn\u00ed karta?<\/strong><\/h3>\n\n\n\n

\u0158\u00edk\u00e1te ka\u017ed\u00e9 platebn\u00ed kart\u011b jednodu\u0161e kreditka? Takov\u00e9 ozna\u010den\u00ed nemus\u00ed b\u00fdt v\u017edy p\u0159esn\u00e9. Karta, p\u0159es kterou \u010derp\u00e1te pen\u00edze ze sv\u00e9ho bankovn\u00edho \u00fa\u010dtu<\/strong>, se naz\u00fdv\u00e1 debetn\u00ed<\/strong>. <\/p>\n\n\n\n

Kreditn\u00ed karta<\/a> pat\u0159\u00ed na rozd\u00edl od karty debetn\u00ed mezi \u00fav\u011brov\u00e9 produkty. P\u0159i placen\u00ed s n\u00ed nevyu\u017e\u00edv\u00e1te vlastn\u00ed finan\u010dn\u00ed prost\u0159edky, ale pen\u00edze, kter\u00e9 pat\u0159\u00ed bance. Vy\u010derpanou sumu pak mus\u00edte bance vr\u00e1tit, a to bu\u010f bezplatn\u011b v tzv. bez\u00faro\u010dn\u00e9m obdob\u00ed<\/strong>, kter\u00e9 v z\u00e1vislosti na bance trv\u00e1 p\u0159ibli\u017en\u011b 40 a\u017e 55 dn\u016f, nebo s \u00faroky<\/a>, pokud tuto lh\u016ftu pro\u0161vihnete.\u00a0\u00a0<\/p>\n\n\n\n

\u00darok na kreditn\u00ed kart\u011b<\/h4>\n\n\n\n

\u00darokov\u00e1 sazba<\/a> na kreditn\u00ed kart\u011b se \u010dasto pohybuje okolo 25 %, co\u017e je mnohem v\u00edc ne\u017e v p\u0159\u00edpad\u011b klasick\u00fdch \u00fav\u011br\u016f, a proto se vypl\u00e1c\u00ed si bez\u00faro\u010dn\u00e9 obdob\u00ed dob\u0159e pohl\u00eddat. N\u011bkter\u00e9 instituce neposkytuj\u00ed bez\u00faro\u010dnou lh\u016ftu pro v\u00fdb\u011bry z bankomatu<\/strong> \u2013 danou \u010d\u00e1stku za\u010dnou \u00faro\u010dit okam\u017eit\u011b. Proto si p\u0159i sjedn\u00e1n\u00ed pe\u010dliv\u011b \u010dt\u011bte podm\u00ednky, abyste se vyhnuli nep\u0159\u00edjemn\u00e9mu p\u0159ekvapen\u00ed.\u00a0<\/p>\n\n\n

\n
\"N\u00e1kupy
Kreditka je skv\u011bl\u00e1 k placen\u00ed v obchodech, ale v\u00fdb\u011bry z bankomatu se v\u00e1m nemus\u00ed vyplatit.<\/figcaption><\/figure>\n<\/div>\n\n
TIP!<\/div>
P\u0159i spr\u00e1vn\u00e9m pou\u017e\u00edv\u00e1n\u00ed je kreditka skv\u011bl\u00fd pomocn\u00edk. Porad\u00edme v\u00e1m, jak z n\u00ed vy\u017ed\u00edmat maximum v\u00fdhod.<\/a><\/b><\/div><\/div>\n\n\n\n

Kreditn\u00ed kartu nedostane ka\u017ed\u00fd<\/h4>\n\n\n\n

Kreditku banka nab\u00edz\u00ed pouze klient\u016fm, u kter\u00fdch na z\u00e1klad\u011b v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f a platebn\u00ed mor\u00e1lky p\u0159edpokl\u00e1d\u00e1, \u017ee nebudou m\u00edt pot\u00ed\u017ee p\u0159\u00edpadn\u00fd dluh splatit. Kreditku v\u00e1m mohou nab\u00eddnout i n\u011bkter\u00e9 nebankovn\u00ed \u00fav\u011brov\u00e9 spole\u010dnosti nebo e-shopy.  <\/p>\n\n\n\n

P\u0159ed po\u0159\u00edzen\u00edm kreditn\u00ed karty si promyslete, k \u010demu ji budete vyu\u017e\u00edvat a jestli v\u00e1s nebude l\u00e1kat ke zbyte\u010dn\u00e9mu utr\u00e1cen\u00ed. Kreditka v\u00e1m m\u016f\u017ee p\u0159in\u00e9st mnoho v\u00fdhod, ale p\u0159i \u0161patn\u00e9m vyu\u017e\u00edv\u00e1n\u00ed se m\u016f\u017ee i nep\u0159\u00edjemn\u011b prodra\u017eit. <\/p>\n\n\n\n

Dal\u0161\u00ed druhy platebn\u00edch karet \u2013 virtu\u00e1ln\u00ed karta, Revolut nebo Curve<\/h4>\n\n\n\n

Pro bezhotovostn\u00ed n\u00e1kupy se \u010d\u00edm d\u00e1l \u010dast\u011bji vyu\u017e\u00edv\u00e1 tak\u00e9 tzv. virtu\u00e1ln\u00ed platebn\u00ed karta, <\/strong>tedy karta nahran\u00e1 v mobilu nebo chytr\u00fdch hodink\u00e1ch. Ta dnes dok\u00e1\u017ee zaru\u010dit stejnou nebo je\u0161t\u011b v\u011bt\u0161\u00ed platebn\u00ed bezpe\u010dnost jako klasick\u00e9 plastov\u00e9 karty.  <\/p>\n\n\n\n

Pokud p\u0159esto z n\u011bjak\u00e9ho d\u016fvodu nechcete prov\u00e1d\u011bt platby p\u0159\u00edmo z va\u0161eho \u00fa\u010dtu, m\u016f\u017eete si hotovost p\u0159ev\u00e9st na p\u0159edplacenou kartu. Jednotliv\u00e9 transakce pak putuj\u00ed na m\u00edsto ur\u010den\u00ed bez p\u0159\u00edstupu k va\u0161emu bankovn\u00edmu kontu. P\u0159\u00edkladem je nap\u0159\u00edklad karta Revolut<\/strong>, se kterou m\u016f\u017eete vedle dal\u0161\u00edch bonus\u016f v\u00fdhodn\u011b platit ve 150 r\u016fzn\u00fdch m\u011bn\u00e1ch s v\u00fdhodn\u00fdmi mezibankovn\u00edmi kurzy. <\/p>\n\n\n\n

Dal\u0161\u00edm n\u00e1strojem pro zahrani\u010dn\u00ed transakce je t\u0159eba Curve<\/strong>. Na jednu fyzickou kartu si pomoc\u00ed mobiln\u00ed aplikace<\/a> nahrajete v\u00edce karet, kter\u00e9 b\u011b\u017en\u011b nos\u00edte v pen\u011b\u017eence. V aplikaci<\/a> si pak jednodu\u0161e nastav\u00edte, kterou z nich pr\u00e1v\u011b chcete prost\u0159ednictv\u00edm Curve karty vyu\u017e\u00edt. Plusem jsou v\u00fdhodn\u00e9 kurzy zahrani\u010dn\u00edch m\u011bn a v\u00fdb\u011bry v zahrani\u010d\u00ed do limitu zdarma. <\/p>\n\n\n

TIP!<\/div>
Nechcete si po\u0159izovat si kreditn\u00ed kartu? Nakupujte chyt\u0159e s odlo\u017eenou platbou<\/a><\/b>.<\/div><\/div>\n\n\n\n

Je lep\u0161\u00ed VISA, nebo Mastercard?<\/h2>\n\n\n\n

VISA<\/a> a Mastercard<\/a> jsou v \u010cesku nej\u010dast\u011bj\u0161\u00edmi platebn\u00edmi kartami<\/a>. Z hlediska pou\u017eit\u00ed nen\u00ed mezi nimi velik\u00fd rozd\u00edl, proto\u017ee s ob\u011bma u n\u00e1s bez probl\u00e9mu zaplat\u00edte. <\/p>\n\n\n\n

Ka\u017ed\u00e1 ze spole\u010dnost\u00ed sv\u00fdm klient\u016fm nab\u00edz\u00ed r\u016fzn\u00e9 v\u00fdhody i odli\u0161n\u00e9 typy karet podle \u00fa\u010delu nebo bonity klienta. O tom, jakou kartu ke sv\u00e9mu \u00fa\u010dtu dostanete, zpravidla rozhoduje va\u0161e banka. <\/p>\n\n\n\n

Krom\u011b v\u00fd\u0161e uveden\u00fdch poskytovatel\u016f se v \u010cR m\u016f\u017eete v men\u0161\u00ed m\u00ed\u0159e setkat tak\u00e9 s kartami American Express (AMEX) nebo Diners Club.<\/strong>  <\/p>\n\n\n

\n
\"Typy
Mastercard<\/a>, Visa<\/a> nebo American Express?<\/figcaption><\/figure>\n<\/div>\n\n\n

Skip Pay karta Mastercard je s\u00e1zkou na jistotu<\/strong> <\/h2>\n\n\n\n

Mezi platebn\u00edmi kartami vynik\u00e1 <\/strong>ta od Skip Pay<\/strong><\/a>, kter\u00e1 nab\u00edz\u00ed spoustu v\u00fdhod. Nejen, \u017ee s n\u00ed zaplat\u00edte v kamenn\u00fdch i online obchodech po cel\u00e9m sv\u011bt\u011b, ale nav\u00edc je to platebn\u00ed karta bez \u00fa\u010dtu <\/strong>v bance. D\u00edky tomu je placen\u00ed s n\u00ed naprosto bezpe\u010dn\u00e9 a v p\u0159\u00edpad\u011b jej\u00edho zneu\u017eit\u00ed nehroz\u00ed, \u017ee p\u0159ijdete o sv\u00e9 \u00faspory. 
 
Skip Pay karta m\u00e1 svou plastovou i virtu\u00e1ln\u00ed podobu, kdy si ji m\u016f\u017eete vlo\u017eit do sv\u00e9ho mobilu nebo chytr\u00fdch hodinek a m\u00edt ji tak v\u017edy u sebe. M\u016f\u017eete s n\u00ed nakupovat kde se v\u00e1m zl\u00edb\u00ed a sv\u00e9 n\u00e1kupy v celkov\u00e9 hodnot\u011b a\u017e 100 000 K\u010d uhradit a\u017e do 50 dn\u00ed<\/strong>.  <\/p>\n\n\n

\"Kdy\u017e<\/a><\/figure>\n
\"Kdy\u017e<\/a><\/figure>","protected":false},"excerpt":{"rendered":"

Plastovou karti\u010dku ur\u010denou k placen\u00ed sice st\u00e1le \u010dast\u011bji m\u011bn\u00edme za jej\u00ed virtu\u00e1ln\u00ed podobu v mobilu nebo hodink\u00e1ch, ale princip z\u016fst\u00e1v\u00e1 stejn\u00fd. Um\u00edte svou kartu spr\u00e1vn\u011b pou\u017e\u00edvat a \u010derpat v\u00fdhody, kter\u00e9 v\u00e1m nab\u00edz\u00ed?<\/p>\n","protected":false},"author":6,"featured_media":631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23,22],"class_list":["post-632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","tag-platba-kartou","entry"],"acf":[],"yoast_head":"\n\ud83d\udcb3 Kreditka, debetka, VISA nebo Mastercard? 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