{"id":613,"date":"2018-08-04T12:55:23","date_gmt":"2018-08-04T10:55:23","guid":{"rendered":"https:\/\/financer.sk\/?page_id=613"},"modified":"2024-10-15T23:09:04","modified_gmt":"2024-10-15T21:09:04","slug":"kreditna-karta","status":"publish","type":"page","link":"https:\/\/financer.sk\/osobne-financie\/kreditna-karta\/","title":{"rendered":"Kreditn\u00e9 karty"},"content":{"rendered":"\n<p>Kreditn\u00e1 karta je finan\u010dn\u00fd produkt podobn\u00fd klasickej platobnej karte, av\u0161ak je prepojen\u00e1<a href=\"https:\/\/financer.sk\/pozicky\/revolvingovy-uver\/\">\u00a0s revolvingov\u00fdm typom \u00faveru.<\/a>\u00a0Pri \u010derpan\u00ed prostriedkov z kreditnej karty tak ne\u010derp\u00e1te vlastn\u00e9 finan\u010dn\u00e9 prostriedky, ale po\u017ei\u010diavate si od banky.<\/p>\n\n\n\n<p>To znamen\u00e1, \u017ee sa vlastne jedn\u00e1 o \u0161pecifick\u00fd druh\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/\">p\u00f4\u017ei\u010dky<\/a>, ktor\u00fa\u00a0<strong>m\u00f4\u017eete \u010derpa\u0165 opakovane<\/strong>\u00a0a to bez ak\u00fdchko\u013evek \u010fal\u0161\u00edch administrat\u00edvnych ob\u0161trukci\u00ed.<\/p>\n\n\n\n<p>N\u00e1sledne ju spl\u00e1cate bu\u010f v pravideln\u00fdch alebo jednorazov\u00fdch spl\u00e1tkach.\u00a0<strong>Kreditn\u00e9 karty pon\u00fakaj\u00fa predov\u0161etk\u00fdm banky.<\/strong><\/p>\n\n\n\n<p>Jednotliv\u00e9<strong>\u00a0banky maj\u00fa odli\u0161n\u00fa ponuku kreditn\u00fdch kariet,<\/strong>\u00a0ktor\u00e9 sa medzi sebou l\u00ed\u0161ia predov\u0161etk\u00fdm odli\u0161nou \u00farokovou sadzbou, d\u013a\u017ekou bez\u00faro\u010dn\u00e9ho obdobia alebo pon\u00fakan\u00fdm bonusom.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kreditn_a_debetn_karta\">Kreditn\u00e1 a debetn\u00e1 karta<\/h2>\n\n\n\n<p>Ak viete, ako s kreditnou kartou zaobch\u00e1dza\u0165,<strong>\u00a0jej obstaranie v\u00e1m prinesie mnoho v\u00fdhod.<\/strong>\u00a0U n\u00e1s zatia\u013e nie s\u00fa a\u017e tak\u00e9 roz\u0161\u00edren\u00e9, tak\u017ee si \u010dasto m\u00fdlime kreditn\u00e9 karty s debetn\u00fdmi. Pr\u00edpadne ozna\u010dujeme v\u0161etky karty za kreditky.<\/p>\n\n\n\n<p><strong>Debetn\u00e1 karta je naviazan\u00e1 na v\u00e1\u0161 be\u017en\u00fd \u00fa\u010det v banke.<\/strong>\u00a0U\u013eah\u010duje v\u00e1m platenie, preto\u017ee nemus\u00edte pre ka\u017ed\u00fa korunu letie\u0165 k bankomatu len preto, aby ste si vybrali peniaze z \u00fa\u010dtu. Z toho tie\u017e vypl\u00fdva, \u017ee dok\u00e1\u017eete debetnou kartou zaplati\u0165 iba to\u013eko, ko\u013eko skuto\u010dne na \u00fa\u010dte m\u00e1te. Ke\u010f d\u00e1te v obchode pri pokladni debetn\u00fa kartu, tak za n\u00e1kup plat\u00edte.<\/p>\n\n\n\n<p><strong>Kreditn\u00e1 karta<\/strong>\u00a0je naviazan\u00e1 na va\u0161u p\u00f4\u017ei\u010dku v banke, ktor\u00e1 je vo forme revolvingov\u00e9ho \u00faveru. Z\u00edskate \u00faverov\u00fd limit, do ktor\u00e9ho m\u00f4\u017eete \u010derpa\u0165 peniaze, ktor\u00e9 potom postupne spl\u00e1cate. Ke\u010f vytiahnete v obchode kreditn\u00fa kartu, tak si na n\u00e1kup vlastne po\u017ei\u010diavate.<\/p>\n\n\n\n<p>Len\u017ee\u00a0<strong>kreditn\u00e1 karta v\u00e1m ur\u010dit\u00fd priestor navy\u0161e.<\/strong>\u00a0Na jednej strane v\u00e1m d\u00e1 flexibilitu pri po\u017ei\u010dan\u00ed pe\u0148az\u00ed a na strane druhej v\u00e1m d\u00e1 v\u00e4\u010d\u0161\u00ed priestor pri spl\u00e1can\u00ed. Toto v\u00e1m be\u017en\u00fd\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fd \u00faver<\/a>\u00a0alebo\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">r\u00fdchla p\u00f4\u017ei\u010dka<\/a>\u00a0nem\u00f4\u017ee pon\u00faknu\u0165. Nie v\u017edy je samozrejme najlep\u0161\u00edm vhodn\u00fdm rie\u0161en\u00edm, ale inak v\u00e1m pon\u00fakne mo\u017enosti, ktor\u00e9 be\u017ene inde nie s\u00fa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Debetn_a_kreditn_karta_rozdiel\">Debetn\u00e1 a kreditn\u00e1 karta rozdiel<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Debetn_karta\">Debetn\u00e1 karta<\/h3>\n\n\n\n<ul>\n<li>Disponujete vlastn\u00fdmi peniazmi<\/li>\n\n\n\n<li>Zaplat\u00edte to\u013eko, ko\u013eko m\u00e1te na \u00fa\u010dte<\/li>\n\n\n\n<li>Viazanos\u0165 na be\u017en\u00fd bankov\u00fd \u00fa\u010det<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Kreditn_karta\">Kreditn\u00e1 karta<\/h3>\n\n\n\n<ul>\n<li>Disponujete po\u017ei\u010dan\u00fdmi peniazmi<\/li>\n\n\n\n<li>M\u00e1te pre\u010derpate\u013en\u00fd \u00faverov\u00fd limit<\/li>\n\n\n\n<li>Peniaze m\u00f4\u017eete vr\u00e1ti\u0165 aj bez poplatku<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_funguje_kreditn_karta\">Ako funguje kreditn\u00e1 karta?<\/h2>\n\n\n\n<p>Kreditn\u00e1 karta je dobr\u00fd sluha, ale ak ju neviete spr\u00e1vne pou\u017e\u00edva\u0165, ve\u013emi \u013eahko sa stane zl\u00fdm p\u00e1nom. Pozrite sa na na\u0161e tipy, ako bezpe\u010dne pou\u017e\u00edva\u0165 kreditn\u00fa kartu, napr\u00edklad pri nakupovan\u00ed cez internet.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><h3 id=\"Bezpenostn_tipy\">Bezpe\u010dnostn\u00e9 tipy<\/h3><li><p><strong>Uchovanie PIN k\u00f3du<\/strong>: PIN k\u00f3d si nikdy nezapisujte priamo na platobn\u00fa kartu ani na \u017eiadny papierik do pe\u0148a\u017eenky. Nehovorte o \u0148om obchodn\u00edkovi, rodinn\u00fdm pr\u00edslu\u0161n\u00edkom ani pracovn\u00edkom v banke.<\/p>\n<\/li><li><p><strong>V\u00fdbery z bankomatov<\/strong>: Ak si vyber\u00e1te peniaze z bankomatu, pri zad\u00e1van\u00ed PIN k\u00f3du si zakryte kl\u00e1vesnicu rukou a dbajte na to, aby pr\u00edpadn\u00ed \u013eudia \u010dakaj\u00faci v rade za vami st\u00e1li v dostato\u010dnej bezpe\u010dnej vzdialenosti.<\/p>\n<\/li><li><p><strong>N\u00e1kupy cez internet<\/strong>: Ak si vyber\u00e1te peniaze z bankomatu, pri zad\u00e1van\u00ed PIN k\u00f3du si zakryte kl\u00e1vesnicu rukou a dbajte na to, aby pr\u00edpadn\u00ed \u013eudia \u010dakaj\u00faci v rade za vami st\u00e1li v dostato\u010dnej bezpe\u010dnej vzdialenosti.<\/p>\n<\/li><\/ol><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kreditn_karta_a_bezpenos\">Kreditn\u00e1 karta a bezpe\u010dnos\u0165<\/h2>\n\n\n\n<p>V pr\u00edpade, \u017ee\u00a0<strong>pl\u00e1nujete va\u0161u kreditn\u00fa kartu pou\u017e\u00edva\u0165 pri n\u00e1kupoch na internete,<\/strong>\u00a0mali by ste dba\u0165 na bezpe\u010dnos\u0165, ktor\u00fa v \u017eiadnom pr\u00edpade nie je dobr\u00e9 podce\u0148ova\u0165. Neraz sa toti\u017e stalo, \u017ee niektor\u00fdm na\u0161im \u010ditate\u013eom ich banky po podozriv\u00fdch transakci\u00e1ch zablokovali kartu.<\/p>\n\n\n\n<p>Na \u00favod sta\u010d\u00ed by\u0165 obozretn\u00fd a\u00a0<strong>nezad\u00e1va\u0165 \u00fadaje z va\u0161ej karty na nezabezpe\u010den\u00fdch webov\u00fdch str\u00e1nkach,<\/strong>\u00a0pri ktor\u00fdch je riziko straty a zneu\u017eitia osobn\u00fdch \u00fadajov ove\u013ea vy\u0161\u0161ie.<\/p>\n\n\n\n<p>Pozrite sa na na\u0161e tipy,\u00a0<a href=\"https:\/\/financer.sk\/osobne-financie\/kreditna-karta\/ako-bezpecne-pouzivat-kreditnu-kartu\/\" target=\"_blank\" rel=\"noreferrer noopener\">ako bezpe\u010dne pou\u017e\u00edva\u0165 kreditn\u00fa kartu<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kreditn_karta_podmienky\">Kreditn\u00e1 karta podmienky<\/h2>\n\n\n\n<p>Podmienky pre z\u00edskanie kreditnej karty s\u00fa v mnoh\u00fdch oh\u013eadoch jednoduch\u0161ie, ako pre z\u00edskanie\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00e9ho \u00faveru<\/a>, \u010di\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">r\u00fdchlej p\u00f4\u017ei\u010dky<\/a>.<\/p>\n\n\n\n<ol>\n<li>Trval\u00fd pobyt na \u00fazem\u00ed SR<\/li>\n\n\n\n<li>Mus\u00edte ma\u0165 18 a viac rokov<\/li>\n\n\n\n<li>Mus\u00edte ma\u0165 dobr\u00fa bonitu<\/li>\n<\/ol>\n\n\n\n<p>Slovensk\u00e9 banky navy\u0161e svojim dlhoro\u010dn\u00fdm klientom, ktor\u00ed si na svojom be\u017enom \u00fa\u010dte udr\u017eiavaj\u00fa aspo\u0148 \u010diasto\u010dn\u00fd cash-flow, pon\u00fakaj\u00fa mo\u017enos\u0165\u00a0<strong>po\u017eiada\u0165 o kreditn\u00fa kartu<\/strong>\u00a0bez toho, aby bli\u017e\u0161ie sk\u00famali va\u0161e pr\u00edjmy a spl\u00e1tky u in\u00fdch spolo\u010dnost\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pre_koho_s_vhodn_kreditn_karty\">Pre koho s\u00fa vhodn\u00e9 kreditn\u00e9 karty?<\/h2>\n\n\n\n<p>Na vydanie kreditnej karty\u00a0<strong>je vy\u017eadovan\u00fd pravideln\u00fd a dostato\u010dn\u00fd pr\u00edjem.<\/strong>\u00a0Plat\u00ed aj to, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed m\u00e1te pr\u00edjem, t\u00fdm vy\u0161\u0161\u00ed m\u00f4\u017eete dosta\u0165 limit na kreditnej karte. Zhruba sa d\u00e1 po\u010d\u00edta\u0165 s t\u00fdm, \u017ee sa limit bude bl\u00ed\u017ei\u0165 k tretine v\u00e1\u0161ho pr\u00edjmu.<\/p>\n\n\n\n<p><strong>Tie\u017e v\u00e1m kreditku vydaj\u00fa a\u017e od 18 rokov,<\/strong>\u00a0aj ke\u010f si niektor\u00e9 spolo\u010dnosti t\u00fato hranicu posunuli vy\u0161\u0161ie. Ide o to, \u017ee technicky st\u00e1le ide o p\u00f4\u017ei\u010dku, tak\u017ee ako klient mus\u00edte by\u0165 plnolet\u00fd.<\/p>\n\n\n\n<p><strong>Prek\u00e1\u017ekou je dos\u0165 \u010dasto v\u00e1\u017enej\u0161\u00ed z\u00e1znam v registroch,<\/strong>\u00a0preto\u017ee banky a \u010fal\u0161ie spolo\u010dnosti po\u017eaduj\u00fa dobr\u00fa schopnos\u0165 spl\u00e1ca\u0165. Nie je a\u017e tak\u00fd probl\u00e9m vyda\u0165 kartu mlad\u00e9mu \u010dloveku bez ak\u00fdchko\u013evek z\u00e1znamov, ale vyda\u0165 kreditku mlad\u00e9mu \u010dloveku so z\u00e1znamami je u\u017e dos\u0165 komplikovan\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_si_vybra_t_najlepiu_kreditn_kartu\">Ako si vybra\u0165 t\u00fa najlep\u0161iu kreditn\u00fa kartu?<\/h2>\n\n\n\n<p>Ako n\u00e1js\u0165 najlep\u0161iu kreditn\u00fa kartu? V prvom rade\u00a0<strong>mus\u00edte vedie\u0165, \u010do h\u013ead\u00e1te a na ak\u00e9 \u00fa\u010dely budete dan\u00fa kreditn\u00fa kartu pou\u017e\u00edva\u0165.<\/strong>\u00a0Teda \u010di chcete kreditn\u00fa kartu pou\u017e\u00edva\u0165 ako neust\u00e1lu\u00a0<a href=\"https:\/\/financer.sk\/ako-na-to\/financna-rezerva\/\">finan\u010dn\u00fa rezervu,<\/a>\u00a0\u010di ju potrebujete na preklenutie zl\u00e9ho finan\u010dn\u00e9ho obdobia alebo ju chcete vyu\u017e\u00edva\u0165 na cestovanie alebo z\u013eavy v obchode.<\/p>\n\n\n\n<p><strong>Pri samotnom v\u00fdbere vhodnej kreditnej karty<\/strong>\u00a0by v\u00e1s predov\u0161etk\u00fdm mala zauj\u00edma\u0165 v\u00fd\u0161ka \u00farokovej sadzby, d\u013a\u017eka takzvan\u00e9ho bez\u00faro\u010dn\u00e9ho obdobia a taktie\u017e r\u00f4zne v\u00fdhody a bonusy, ktor\u00e9 v\u010faka kreditnej karte z\u00edskate. Ide napr\u00edklad o cashback, cestovn\u00e9 poistenie, v\u00fdhodne kurzy a \u010fal\u0161ie vernostn\u00e9 programy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_kreditnch_kariet\">V\u00fdhody kreditn\u00fdch kariet<\/h2>\n\n\n\n<p>Kreditn\u00e9 karty v sebe skr\u00fdvaj\u00fa nieko\u013eko v\u00fdhod. My sa teraz bli\u017e\u0161ie pozrieme na najd\u00f4le\u017eitej\u0161ie z nich a bli\u017e\u0161ie si ich vysvetl\u00edme.<\/p>\n\n\n\n<figure class=\"wp-block-image shortcode-no\"><a href=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/05\/vyhody-kreditna-karta.png\"><img decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/05\/vyhody-kreditna-karta.png\" alt=\"vyhody-kreditna-karta\" class=\"wp-image-3299\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/vyhody-kreditna-karta.png 1280w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/vyhody-kreditna-karta-300x169.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/vyhody-kreditna-karta-1024x576.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/05\/vyhody-kreditna-karta-768x432.png 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/a><\/figure>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Najvie_vhody_kreditiek\">Najv\u00e4\u010d\u0161ie v\u00fdhody kreditiek<\/h3><li><p><strong>Bez\u00faro\u010dn\u00e9 obdobie<\/strong>: Plat\u00ed, \u010do sme nap\u00edsali vy\u0161\u0161ie. Bez\u00faro\u010dn\u00e9 obdobie m\u00f4\u017ee posl\u00fa\u017ei\u0165 aj ako\u00a0p\u00f4\u017ei\u010dka zdarma, kde jedin\u00fd poplatok bude p\u00e1r eur mesa\u010dne za vedenie karty. D\u00e1vajte si v\u0161ak pozor, aby ste svoju spl\u00e1tku v\u017edy stihli vr\u00e1ti\u0165 v tomto obdob\u00ed. Inak na v\u00e1s \u010dakaj\u00fa pomerne vy\u0161\u0161ie \u00faroky, ktor\u00e9 va\u0161a pe\u0148a\u017eenka nerada poc\u00edti ur\u010dite viac, ne\u017e vr\u00e1tenie pe\u0148az\u00ed do 55 dn\u00ed.<\/p>\n<\/li><li><p><strong>Flexibilita v\u00fdberu pe\u0148az\u00ed<\/strong>: Kreditn\u00e1 karta v\u00e1m d\u00e1 priestor a vo\u013enos\u0165 pri v\u00fdbere pe\u0148az\u00ed. Niekedy sa stane, \u017ee potrebujete zaplati\u0165 s\u00e9riu mal\u00fdch n\u00e1kupov a vy ani neviete, ko\u013eko by ste si celkovo potrebovali po\u017ei\u010da\u0165. A pr\u00e1ve tu v\u00e1m kreditn\u00e1 karta d\u00e1va slobodu. M\u00f4\u017eete ju vyu\u017e\u00edva\u0165 naplno, alebo ju ma\u0165 schovan\u00fa v z\u00e1suvke presne pre tak\u00e9to a podobn\u00e9 situ\u00e1cie.<\/p>\n<\/li><li><p><strong>Flexibilita spl\u00e1cania<\/strong>: Povedzme si pravdu, v\u017edy je najlep\u0161ie vyplati\u0165 cel\u00fd dlh, nie v\u017edy to v\u0161ak ide. Kreditn\u00e1 karta pon\u00faka flexibiln\u00e9 spl\u00e1canie, preto\u017ee minim\u00e1lna spl\u00e1tka, ktor\u00fa mus\u00edte zaplati\u0165 ka\u017ed\u00fd mesiac je vo v\u00e4\u010d\u0161ine pr\u00edpadov nastaven\u00e1 n\u00edzko a zbytok limitu kreditnej karty m\u00f4\u017eete spl\u00e1ca\u0165 kedyko\u013evek a akouko\u013evek ve\u013ekou \u010diastkou.<\/p>\n<\/li><li><p><strong>M\u00e1te preh\u013ead vo svojich v\u00fddavkoch<\/strong>: Pri be\u017enej debetnej karte v\u00e1m va\u0161a banka ka\u017ed\u00fd mesiac zasiela v\u00fdpisy o v\u0161etk\u00fdch pohyboch na \u00fa\u010dte. To ist\u00e9 plat\u00ed aj pri kreditn\u00fdch kart\u00e1ch. V\u0161etky platby m\u00e1te preh\u013eadne sp\u00edsan\u00e9 priamo bankou, tak\u017ee vid\u00edte kde, kedy, za ko\u013eko a \u010do ste k\u00fapili. Ma\u0165 preh\u013ead v osobn\u00fdch financi\u00e1ch je na nezaplatenie.<\/p>\n<\/li><li><p><strong>Kreditn\u00e1 karta je dobr\u00fd spolo\u010dn\u00edk do zahrani\u010dia:<\/strong> Kreditn\u00e9 karty s\u00fa dobrou mo\u017enos\u0165ou pre platby po\u010das va\u0161ej dovolenky v zahrani\u010d\u00ed. M\u00f4\u017eete nimi napr\u00edklad uskuto\u010d\u0148ova\u0165 aj platby, ktor\u00e9 by nebolo mo\u017en\u00e9 uskuto\u010dni\u0165 pomocou va\u0161ej be\u017enej bankovej karty. Navy\u0161e, mnoh\u00ed poskytovatelia kreditn\u00fdch kariet u\u017e pon\u00fakaj\u00fa aj bezplatn\u00e9 medzin\u00e1rodn\u00e9 v\u00fdbery mimo E\u00da.<\/p>\n<p>Okrem toho s\u00fa kreditn\u00e9 vhodn\u00e9 aj vtedy, ak presne neviete, ko\u013eko pe\u0148az\u00ed budete na dovolenke potrebova\u0165. Pomocou kreditnej karty m\u00f4\u017eete kedyko\u013evek disponova\u0165 peniazmi a vyhnete sa tak ve\u013ekej hotovosti priamo v pe\u0148a\u017eenke, \u010do zni\u017euje riziko kr\u00e1de\u017ee.<\/p>\n<\/li><li><p><strong>M\u00f4\u017eete vyu\u017e\u00edva\u0165 \u010dlensk\u00e9 v\u00fdhody<\/strong>: Jednou z nich je cestovn\u00e9 poistenie, alebo poistenie osobn\u00fdch veci proti kr\u00e1de\u017ei. Spolu s mo\u017enos\u0165ou \u010derpa\u0165 peniaze tak z\u00edskate aj poisten\u00fa bato\u017einu, alebo poisten\u00fa asisten\u010dn\u00fa slu\u017ebu. \u010co viac, banky maj\u00fa mnohokr\u00e1t so svojimi obchodn\u00fdmi partnermi dohodnut\u00e9 r\u00f4zne z\u013eavy a v\u00fdhody \u2013 napr\u00edklad v podobe ur\u010dit\u00fdch percent z n\u00e1kupu sp\u00e4\u0165 na v\u00e1\u0161 \u00fa\u010det.<\/p>\n<p>Niektor\u00e9 exkluz\u00edvnej\u0161ie kreditn\u00e9 karty pon\u00fakaj\u00fa aj pr\u00edstup do sal\u00f3nikov na r\u00f4znych letisk\u00e1ch. Medzi ob\u013e\u00faben\u00e9 v\u00fdhody patr\u00ed aj to, \u017ee na jeden \u00fa\u010det je mo\u017en\u00e9 vystavi\u0165 viacero kreditn\u00fdch kariet. Jeden \u00fa\u010det tak m\u00f4\u017ee sl\u00fa\u017ei\u0165 pre cel\u00fa rodinu, sta\u010d\u00ed si dobre nastavi\u0165 jednotliv\u00e9 limity.<\/p>\n<\/li><li><p><strong>Vybudujete si dobr\u00fa bonitu<\/strong>: To v\u0161etko za predpokladu, \u017ee budete svoje z\u00e1v\u00e4zky riadne spl\u00e1ca\u0165. Po 18 narodenin\u00e1ch ste sa z finan\u010dn\u00e9ho poh\u013eadu iba narodili. \u017diadna banka a ani in\u00e1 spolo\u010dnos\u0165 o v\u00e1s prakticky ni\u010d nevie. Netu\u0161\u00ed ako spo\u013eahlivo ste schopn\u00ed spl\u00e1ca\u0165. Pr\u00e1ve preto nem\u00e1 mnoho mlad\u00fdch \u013eud\u00ed ve\u013emi ve\u013ek\u00fa \u0161ancu na\u00a0vysok\u00fd \u00faver\u00a0alebo leasing. Kreditn\u00e1 karta je s\u00edce mal\u00e1 p\u00f4\u017ei\u010dka, ale v registroch sa vypo\u017ei\u010dan\u00e1 \u010diastka s\u010d\u00edta.<\/p>\n<p>M\u00f4\u017eete tak ma\u0165 limit len 1 000 \u20ac, no u\u017e po roku pou\u017e\u00edvania z\u00e1pis v registri, \u017ee ste si po\u017ei\u010dali viac ako 10,000 EUR, ktor\u00e9 ste bez probl\u00e9mov vr\u00e1tili. S touto pomocou si vybudujete lep\u0161iu bonitu, ktor\u00e1 v\u00e1m nesk\u00f4r m\u00f4\u017ee pom\u00f4c\u0165 aj so z\u00edskan\u00edm\u00a0hypot\u00e9ky.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Tipy_na_zver\">Tipy na z\u00e1ver<\/h2>\n\n\n\n<p>D\u00fafame, \u017ee sme v\u00e1m poskytli odpovede na najd\u00f4le\u017eitej\u0161ie ot\u00e1zky t\u00fdkaj\u00face sa kreditn\u00fdch kariet. Sn\u00e1\u010f u\u017e\u00a0<strong>viete, ako funguj\u00fa, na \u010do si pri nich da\u0165 pozor a ak\u00e9 maj\u00fa v\u00fdhody.<\/strong><\/p>\n\n\n\n<p>Ak sa st\u00e1le zauj\u00edmate o kreditku, m\u00f4\u017eete si r\u00fdchlo a bezplatne porovna\u0165 v\u017edy aktu\u00e1lnu ponuku kreditn\u00fdch kariet cez Financer.sk a vybra\u0165 si t\u00fa najv\u00fdhodnej\u0161iu.<\/p>\n\n\n\n<p>D\u00e1vajte si v\u0161ak pozor!\u00a0<strong>Kreditn\u00e1 karta vie by\u0165 dobr\u00fd sluha, ak viete, ako ju pou\u017e\u00edva\u0165 a vyu\u017e\u00edva\u0165 jej v\u00fdhody na maximum<\/strong>. Z\u00e1rove\u0148 je aj zl\u00fdm p\u00e1nom, ak neustriehnete svoje spl\u00e1tky a \u00faroky sa v\u00e1m bud\u00fa zbyto\u010dne ne\u00famerne zvy\u0161ova\u0165. D\u00e1vajte si pozor predov\u0161etk\u00fdm na tieto n\u00e1strahy:<\/p>\n\n\n\n<ul>\n<li>Ka\u017ed\u00fd mesiac\u00a0<strong>spla\u0165te v\u017edy najlep\u0161ie cel\u00fa \u010diastku<\/strong>. \u00c1no, vieme, \u017ee sa to ned\u00e1 v\u017edy, no v pr\u00edpade riadneho splatenia v\u00e1m nenabehn\u00fa \u017eiadne zbyto\u010dn\u00e9 \u00faroky a budete ma\u0165 svoje financie pod v\u00e4\u010d\u0161ou kontrolou.\u00a0<strong>Sna\u017ete sa vyu\u017e\u00edva\u0165 bez\u00faro\u010dn\u00e9 obdobie\u00a0<\/strong>naplno. Ak v\u0161ak nech\u00e1te dlh na kreditnej karte postupne narasta\u0165 a spl\u00e1cate ho minim\u00e1lnymi spl\u00e1tkami, m\u00f4\u017ee by\u0165 drah\u0161ia ako\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">be\u017en\u00e1 r\u00fdchla p\u00f4\u017ei\u010dka<\/a>.<\/li>\n\n\n\n<li>Pokia\u013e chcete k\u00fapi\u0165 konkr\u00e9tnu a navy\u0161e drah\u00fa vec,\u00a0<strong>\u010dasto b\u00fdva v\u00fdhodnej\u0161ie po\u017eiada\u0165 o klasick\u00fd\u00a0<\/strong><a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fd \u00faver<\/a>\u00a0na \u010doko\u013evek. Je pravda, \u017ee jeho vybavenie b\u00fdva zlo\u017eitej\u0161ie, no so spotrebn\u00fdm \u00faverom sa viete dosta\u0165 aj k polovi\u010dke \u00farokovej sadzby, ktor\u00e1 by v\u00e1s inak \u010dakala pri kreditnej karte.<\/li>\n\n\n\n<li><strong>V\u017edy dobre zv\u00e1\u017ete z\u00e1mer vyu\u017eitia kreditnej karty.\u00a0<\/strong>Porovnajte si v\u0161etky dostupn\u00e9 alternat\u00edvy a vyberte si tak\u00fa, ktor\u00e1 neobsahuje funkcie, ak\u00e9 nechcete. Na jednej strane za nich zbyto\u010dne zaplat\u00edte viac a na tej druhej budete plati\u0165 skuto\u010dne len za to, \u010do vyu\u017eijete.<\/li>\n\n\n\n<li>Spolo\u010dnosti pon\u00fakaj\u00face kreditn\u00e9 karty sa pok\u00fa\u0161aj\u00fa pokry\u0165 \u0161irok\u00fa \u0161k\u00e1lu potrieb z\u00e1kazn\u00edkov s individu\u00e1lnymi potrebami. Na trhu m\u00f4\u017eete n\u00e1js\u0165 kreditn\u00e9 karty s pr\u00edslu\u0161n\u00fdm poisten\u00edm, \u0161tudentsk\u00e9 kreditn\u00e9 karty s nulov\u00fdm ro\u010dn\u00fdm poplatkom \u010di kreditn\u00e9 karty vyslovene ur\u010den\u00e9 pre pobyt v zahrani\u010d\u00ed.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kreditn\u00e1 karta je finan\u010dn\u00fd produkt podobn\u00fd klasickej platobnej karte, av\u0161ak je prepojen\u00e1\u00a0s revolvingov\u00fdm typom \u00faveru.\u00a0Pri \u010derpan\u00ed prostriedkov z kreditnej karty\u2026 <\/p>\n","protected":false},"author":87,"featured_media":714,"parent":786,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1],"tags":[35],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/613"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/comments?post=613"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/613\/revisions"}],"predecessor-version":[{"id":79166,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/613\/revisions\/79166"}],"up":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/pages\/786"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/714"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=613"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=613"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=613"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}