[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sasi.sk\/kreditna-karta-ano-ci-nie\/#Article","mainEntityOfPage":"https:\/\/www.sasi.sk\/kreditna-karta-ano-ci-nie\/","headline":"Kreditn\u00e1 karta- \u00e1no \u010di nie?","name":"Kreditn\u00e1 karta- \u00e1no \u010di nie?","description":"Ak v\u00e1m v banke pon\u00faknu kreditn\u00fa kartu, mali by ste dopredu…Continue Reading<\/a>","datePublished":"2018-11-10","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.sasi.sk\/author\/#Person","name":"","url":"https:\/\/www.sasi.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sasi.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sasi.sk\/wp-content\/uploads\/img_a295528_w16672_t1547141251.jpg","url":"https:\/\/www.sasi.sk\/wp-content\/uploads\/img_a295528_w16672_t1547141251.jpg","height":0,"width":0},"url":"https:\/\/www.sasi.sk\/kreditna-karta-ano-ci-nie\/","about":["Financie"],"wordCount":446,"articleBody":"Ak v\u00e1m v banke pon\u00faknu kreditn\u00fa kartu, mali by ste dopredu dobre zv\u00e1\u017ei\u0165, \u010di m\u00e1te o t\u00fato slu\u017ebu z\u00e1ujem. Peniaze s\u00fa l\u00e1kav\u00e1 vec a ke\u010f v\u00e1m ich niekto n\u00faka \u201ezadarmo\u201c, tak v\u00e4\u010d\u0161inou nevid\u00edte d\u00f4vod, pre\u010do ich neprija\u0165. Pam\u00e4tajte v\u0161ak na to, \u017ee banky v skuto\u010dnosti zadarmo, ned\u00e1vaj\u00fa ni\u010d.Kreditn\u00e1 karta je v podstate forma spotrebn\u00e9ho \u00faveru. V praxi to znamen\u00e1, \u017ee m\u00f4\u017eete vyu\u017e\u00edva\u0165 finan\u010dn\u00e9 prostriedky, ktor\u00e9 v skuto\u010dnosti nem\u00e1te, teda peniaze zapo\u017ei\u010dan\u00e9 bankou. V zmluve je v\u017edy stanoven\u00e1 presn\u00e1 suma, do ktorej m\u00f4\u017eete tieto finan\u010dn\u00e9 prostriedky \u010derpa\u0165. Naj\u010dastej\u0161ie sa t\u00e1to suma za\u010d\u00edna na tis\u00edcke. Kreditkou m\u00f4\u017eete plati\u0165 podobne ako oby\u010dajnou platobnou kartou.Prv\u00fdm a z\u00e1rove\u0148 najv\u00e1\u017enej\u0161\u00edm \u00faskal\u00edm, je splatenie v danom term\u00edne. V\u0161etko \u010do z dohodnutej sumy miniete, mus\u00edte vr\u00e1ti\u0165 so stanovenej doby, v\u00e4\u010d\u0161inou tridsiatich a\u017e \u0161tyridsiatich dn\u00ed. V tomto pr\u00edpade, neplat\u00edte \u017eiadne \u00faroky. Ak sa v\u0161ak ome\u0161k\u00e1te, vy\u0161\u0161ia suma v\u00e1m za\u010dne nabeh\u00e1va\u0165 ka\u017ed\u00fd de\u0148, a\u017e k\u00fdm peniaze nevr\u00e1tite. Tieto \u00faroky m\u00f4\u017eu by\u0165 poriadne vysok\u00e9. Z\u00e1vis\u00ed do od konkr\u00e9tnej banky, ide v\u0161ak o ozaj prehnan\u00e9 \u00faroky, neraz a\u017e vo v\u00fd\u0161ke osemn\u00e1stich, \u010di dvadsiatich percent. V zmluve je tie\u017e uveden\u00e1 minim\u00e1lna suma, ktor\u00fa jednoducho mus\u00edte vr\u00e1ti\u0165. Ak tak neurob\u00edte, \u00faroky sa m\u00f4\u017eu vy\u0161plha\u0165 aj na tridsa\u0165 percent.Na \u010do si d\u00e1va\u0165 pozor Pri kreditnej karte, by ste sa mali vyhn\u00fa\u0165 v\u00fdberom z bankomatu. T\u00e1to slu\u017eba je pri nej toti\u017e v\u00e4\u010d\u0161inou spoplatnen\u00e1. Za jeden v\u00fdber m\u00f4\u017eete pokojne zaplati\u0165 aj p\u00e4\u0165 eur. preto ju vyu\u017e\u00edvajte sk\u00f4r priamo v obchodoch a ak nevyhnutne potrebujete hotovos\u0165, vyberte si naraz v\u00e4\u010d\u0161iu sumu pe\u0148az\u00ed. Vy\u00fa\u010dtovanie v\u00e1m pr\u00edde len raz za mesiac. Preto si priebe\u017ene kontrolujte, ko\u013eko ste u\u017e minuli, na konci mesiaca by ste mohli by\u0165 ve\u013emi nepr\u00edjemne prekvapen\u00ed. V zmluve si d\u00f4kladne skontrolujte, za ak\u00e9 slu\u017eby v skuto\u010dnosti plat\u00edte. Pri kreditnej karte b\u00fdvaj\u00fa spoplatnen\u00e9 napr\u00edklad sms spr\u00e1vy, ktor\u00e9 v\u00e1s informuj\u00fa o v\u00fdberoch a platb\u00e1ch. Peniaze navy\u0161e n\u00e1s \u010dasto podvedome n\u00fatia k nezmyseln\u00e9mu m\u00ed\u0148aniu. Sna\u017ete sa svoje financie \u010do najviac ustr\u00e1\u017ei\u0165. Hlavn\u00e9 v\u0161ak je, aby ste peniaze v\u017edy splatili na\u010das, inak sa m\u00f4\u017eete dosta\u0165 do v\u00e1\u017enych finan\u010dn\u00fdch probl\u00e9mov. 4.2\/5 - (8 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kreditn\u00e1 karta- \u00e1no \u010di nie?","item":"https:\/\/www.sasi.sk\/kreditna-karta-ano-ci-nie\/#breadcrumbitem"}]}]