{"id":8589,"date":"2023-08-16T17:34:18","date_gmt":"2023-08-16T16:34:18","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=8589"},"modified":"2026-01-23T08:13:56","modified_gmt":"2026-01-23T07:13:56","slug":"jak-vybrat-kreditni-kartu","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-vybrat-kreditni-kartu\/","title":{"rendered":"Jak vybrat kreditn\u00ed kartu: 7 v\u011bc\u00ed, na kter\u00e9 nezapome\u0148te\u00a0"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Jak funguje kreditn\u00ed karta?&nbsp;<\/h2>\n\n\n\n<p><a href=\"https:\/\/skippay.cz\/blog\/kreditka-debetka-visa-nebo-mastercard\/\">Kreditn\u00ed karta<\/a> je druh \u00fav\u011bru, kter\u00fd <strong>m\u016f\u017eete \u010derpat opakovan\u011b a\u017e do v\u00fd\u0161e maxim\u00e1ln\u00edho limitu<\/strong>. S kreditkou plat\u00edte stejn\u011b jako s va\u0161\u00ed b\u011b\u017enou platebn\u00ed kartou, pen\u00edze na kreditce ale pat\u0159\u00ed bance. &nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>PLATEBN\u00cd KARTA OD SKIP PAY\u00a0<br>\u00a0<br>Zalo\u017ete si zdarma n\u00e1\u0161 bal\u00ed\u010dek MAXI a z\u00edskejte a\u017e 50 000 K\u010d na platebn\u00ed kart\u011b. <a href=\"https:\/\/skippay.cz\/karta\">Skip Pay kartou<\/a> zaplat\u00edte kdekoliv a na splacen\u00ed m\u00e1te a\u017e 50 dn\u00ed. D\u00edky cashbacku z\u00e1rove\u0148 u\u0161et\u0159\u00edte a\u017e 10 % z\u00a0va\u0161ich online n\u00e1kup\u016f.  Kartu si m\u016f\u017eete snadno nahr\u00e1t do va\u0161eho telefonu nebo chytr\u00fdch hodinek a zaplatit s n\u00ed, kdykoliv pot\u0159ebujete.\u00a0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vybrat kreditn\u00ed kartu&nbsp;<\/h2>\n\n\n\n<p>Nesahejte po prvn\u00ed kreditce, kter\u00e1 se v\u00e1m dostane pod ruku. Rad\u011bji si porovnejte v\u0161echny d\u016fle\u017eit\u00e9 parametry u v\u00edce nab\u00eddek. Nestane se v\u00e1m tak, \u017ee p\u016fj\u010dku zbyte\u010dn\u011b p\u0159eplat\u00edte. \u010cemu je dobr\u00e9 v\u011bnovat pozornost?&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00da\u010del kreditky.<\/strong> Na co budete kartu vyu\u017e\u00edvat? Kolik pen\u011bz pot\u0159ebujete m\u00edt k dispozici? Chcete kreditkou platit pravideln\u011b, nebo v\u00e1m poslou\u017e\u00ed jen jako rezerva pro ne\u010dekan\u00e9 <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">v\u00fddaje<\/a>? Pot\u0159ebujete ji na p\u0159ekon\u00e1n\u00ed kr\u00e1tk\u00e9ho obdob\u00ed, kdy se v\u00e1m zten\u010dily finance, nebo ji budete spl\u00e1cet dlouhodob\u011b?&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u00fd\u0161e poplatk\u016f. <\/strong>Ke kreditn\u00ed kart\u011b z\u00edsk\u00e1te automaticky \u00fav\u011brov\u00fd \u00fa\u010det. Zjist\u011bte si, kolik stoj\u00ed jeho veden\u00ed. Pozor si dejte i na poplatky za v\u00fdb\u011br z bankomatu, kter\u00e9 v\u00e1s m\u016f\u017eou p\u0159ij\u00edt i na stovky korun.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: Pla\u0165te se <a href=\"https:\/\/skippay.cz\/karta\">Skip Pay kartou<\/a> a vyb\u00edrejte z bankomat\u016f zdarma v \u010cR i v zahrani\u010d\u00ed.<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9lka bez\u00faro\u010dn\u00e9ho obdob\u00ed.<\/strong> Tato doba ur\u010duje, kolik dn\u00ed m\u00e1te na splacen\u00ed cel\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky, ani\u017e byste za p\u016fj\u010dku platili \u00faroky. Pokud do t\u00e9 doby pen\u00edze neuhrad\u00edte, mus\u00edte po\u010d\u00edtat s \u00faroky. N\u011bkter\u00e9 banky v\u00e1m je zapo\u010d\u00edtaj\u00ed i zp\u011btn\u011b \u2013 v\u010detn\u011b bez\u00faro\u010dn\u00e9ho obdob\u00ed.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00darokov\u00e1 sazba. <\/strong>V\u00fd\u0161e \u00farokov\u00e9 sazby je pro v\u00e1s d\u016fle\u017eit\u00e1 p\u0159edev\u0161\u00edm v p\u0159\u00edpad\u011b, \u017ee chcete pen\u00edze z kreditky spl\u00e1cet del\u0161\u00ed dobu. \u010c\u00edm v\u011bt\u0161\u00ed \u00farokov\u00e1 sazba, t\u00edm v\u00edce p\u0159eplat\u00edte na \u00faroc\u00edch.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u00fd\u0161e limitu, kter\u00fd m\u016f\u017eete vy\u010derpat<\/strong>. Maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru je \u010dasto individu\u00e1ln\u00ed a b\u00fdv\u00e1 odvozena od p\u0159\u00edjm\u016f a bonity klienta, kter\u00fd o kreditku \u017e\u00e1d\u00e1.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. <\/strong>Tato \u010d\u00e1stka ud\u00e1v\u00e1, kolik nejm\u00e9n\u011b pen\u011bz mus\u00edte ka\u017ed\u00fd m\u011bs\u00edc zaplatit v p\u0159\u00edpad\u011b, \u017ee jste nesplatili celou p\u016fj\u010dku v bez\u00faro\u010dn\u00e9m obdob\u00ed.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dopl\u0148kov\u00e9 slu\u017eby a bonusy. <\/strong>Ke kreditn\u00ed kart\u011b m\u016f\u017eete z\u00edskat zdarma i zaj\u00edmav\u00e9 bonusy, jako je <a href=\"https:\/\/skippay.cz\/blog\/7-tipu-jak-chytre-nakupovat-na-internetu\/\">cashback<\/a> a\u017e do 10 %.<\/li>\n<\/ul>\n\n\n<figure class=\"wp-block-image size-large d-md-none\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 690px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2025\/03\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_690px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>\n<figure class=\"wp-block-image size-large d-none d-md-block\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank&quot;\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 919px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2025\/03\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_919px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>\n\n\n<h2 class=\"wp-block-heading\">Jak z kreditn\u00ed karty vyt\u011b\u017eit maximum&nbsp;<\/h2>\n\n\n\n<p>Pou\u017e\u00edv\u00e1n\u00ed kreditky m\u00e1 spoustu v\u00fdhod, kter\u00e9 by byla \u0161koda nevyu\u017e\u00edt. Jak na to?&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hra\u010fte <a href=\"http:\/\/skippay.cz\/jak-pouzivat-kreditni-kartu\/\">kreditkou<\/a> v\u0161echny va\u0161e v\u00fddaje a vlastn\u00ed pen\u00edze rad\u011bji investujte.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Spl\u00e1cejte kartu v bez\u00faro\u010dn\u00e9m obdob\u00ed. Vyhnete se tak vysok\u00fdm \u00farok\u016fm.&nbsp;<\/li>\n\n\n\n<li>Pla\u0165te kreditn\u00ed kartou i v <a href=\"http:\/\/skippay.cz\/nakupovani-v-zahranici\/\">zahrani\u010d\u00ed<\/a>. Z\u00edsk\u00e1te lep\u0161\u00ed kurz, ne\u017e kdybyste si pen\u00edze m\u011bnili ve sm\u011bn\u00e1rn\u011b.\u00a0<\/li>\n\n\n\n<li>Vyu\u017e\u00edvejte ji aktivn\u011b a z\u00edskejte slevy u obchodn\u00edk\u016f, odlo\u017eenou platbu a dal\u0161\u00ed v\u00fdhody, kter\u00e9 nab\u00edz\u00ed.\u00a0\u00a0<\/li>\n\n\n\n<li>M\u011bjte kreditku po ruce jako rezervu pro ne\u010dekan\u00e9 v\u00fddaje. V p\u0159\u00edpad\u011b pot\u0159eby tak nemus\u00edte ztr\u00e1cet \u010das zdlouhav\u00fdm pap\u00edrov\u00e1n\u00edm p\u0159i \u017e\u00e1dosti o \u00fav\u011br.&nbsp;<\/li>\n<\/ul>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: Po\u0159i\u010fte si zdarma <a href=\"https:\/\/skippay.cz\/balicky\">bal\u00ed\u010dek MAXI od Skip Pay<\/a>. Krom\u011b placen\u00ed kreditn\u00ed kartou m\u016f\u017eete pen\u00edze bezplatn\u011b p\u0159ev\u00e1d\u011bt i z \u00fa\u010dtu na \u00fa\u010det. Snadno tak uhrad\u00edte faktury za n\u00e1jem, energie nebo telefon.<\/div><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kreditn\u00ed karty se li\u0161\u00ed v\u00fd\u0161\u00ed \u00farokov\u00e9 sazby, bez\u00faro\u010dn\u00e9ho obdob\u00ed i \u00fav\u011brov\u00e9ho limitu. Jak vybrat pro sebe tu pravou, abyste z n\u00ed m\u011bli co nejv\u011bt\u0161\u00ed u\u017eitek?<\/p>\n","protected":false},"author":30,"featured_media":8590,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,2359,22,21],"class_list":["post-8589","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-pujcky","tag-platba-kartou","tag-platebni-metody","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jak vybrat kreditn\u00ed kartu: 7 v\u011bc\u00ed, na kter\u00e9 nezapome\u0148te\u00a0 I Skip Pay<\/title>\n<meta name=\"description\" content=\"Kreditn\u00ed karty se li\u0161\u00ed v\u00fd\u0161\u00ed \u00farokov\u00e9 sazby, bez\u00faro\u010dn\u00e9ho obdob\u00ed i \u00fav\u011brov\u00e9ho limitu. 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