[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.coteese.cz\/platebni-karta\/#Article","mainEntityOfPage":"https:\/\/www.coteese.cz\/platebni-karta\/","headline":"Platebn\u00ed karta","name":"Platebn\u00ed karta","description":"Existuje n\u011bkolik druh\u016f karet, ale v&nbsp;podstat\u011b jsou nejzn\u00e1m\u011bj\u0161\u00ed dv\u011b, debetn\u00ed a kreditn\u00ed, kter\u00e9 se asi tak\u00e9 nejv\u00edce pou\u017e\u00edvaj\u00ed. Platit se d\u00e1 bez probl\u00e9m\u016f v\u0161ude, kde <a class=\"mh-excerpt-more\" href=\"https:\/\/www.coteese.cz\/platebni-karta\/\" title=\"Platebn\u00ed karta\">[...]<\/a>","datePublished":"2017-07-30","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.coteese.cz\/author\/#Person","name":"coteese.cz\n","url":"https:\/\/www.coteese.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"coteese.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/coteese.cz\/wp-content\/uploads\/img_a321711_w2317_t1532936897.jpg","url":"https:\/\/coteese.cz\/wp-content\/uploads\/img_a321711_w2317_t1532936897.jpg","height":"","width":""},"url":"https:\/\/www.coteese.cz\/platebni-karta\/","about":["Neza\u0159azen\u00e9"],"wordCount":453,"articleBody":"Existuje n\u011bkolik druh\u016f karet, ale v&nbsp;podstat\u011b jsou nejzn\u00e1m\u011bj\u0161\u00ed dv\u011b, debetn\u00ed a kreditn\u00ed, kter\u00e9 se asi tak\u00e9 nejv\u00edce pou\u017e\u00edvaj\u00ed. Platit se d\u00e1 bez probl\u00e9m\u016f v\u0161ude, kde je termin\u00e1l na platebn\u00ed karty a samoz\u0159ejm\u011b tak\u00e9 finan\u010dn\u00ed obnos na na\u0161em \u00fa\u010dtu. P\u0159i nedostatku n\u00e1m platba neprob\u011bhne a n\u00e1m nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e nechat n\u00e1kup v&nbsp;obchod\u011b.Rozd\u00edl mezi kartami:Debetn\u00ed karta &ndash; je pom\u011brn\u011b nej\u010dast\u011bj\u0161\u00ed, jeliko\u017e se vystavuje p\u0159\u00edmo k&nbsp;na\u0161emu \u00fa\u010dtu, tud\u00ed\u017e kdy\u017e s&nbsp;n\u00ed plat\u00edme, tak \u010derp\u00e1me finan\u010dn\u00ed prost\u0159edky z&nbsp;vlastn\u00edch zdroj\u016f.Kreditn\u00ed karta &ndash; tato karta m\u00e1 sv\u016fj \u00fa\u010det, ale prost\u0159ednictv\u00edm j\u00ed si vlastn\u011b pen\u00edze p\u016fj\u010dujeme od banky nebo nebankovn\u00ed spole\u010dnosti. Z\u00e1le\u017e\u00ed, kdo ji vydal a s&nbsp;k\u00fdm m\u00e1me uzav\u0159enou smlouvu. V\u00fdhodou t\u011bchto karet je, \u017ee finan\u010dn\u00ed obnos je stanoven\u00fd nez\u00e1vazn\u011b na p\u0159\u00edjmu a tak\u00e9 se d\u00e1 bez\u00faro\u010dn\u011b \u010d\u00e1stka splatit v&nbsp;dohodnut\u00e9m term\u00ednu. Tak\u017ee vlastn\u011b je to dobr\u00e1 finan\u010dn\u00ed rezerva, pokud se ji nau\u010d\u00edme zdrav\u011b pou\u017e\u00edvat.\tZtr\u00e1ta kartyZ\u00e1kon o platebn\u00edm styku stanovil, \u017ee majitel karty riskuje finan\u010dn\u00ed \u0161kodu pouze v&nbsp;hodnot\u011b maxim\u00e1ln\u00ed \u010d\u00e1stky 50 eur, to je podle kurzu okolo 1&nbsp;300,- K\u010d. Spolu\u00fa\u010dast majitele se vztahuje na obdob\u00ed, ne\u017e ztr\u00e1tu bance ohl\u00e1sil. Pot\u00e9 banka hrad\u00ed celou \u0161kodu. Samoz\u0159ejm\u011b i to m\u00e1 svoje podm\u00ednky, kdy se nesm\u00ed jednat o podvod nebo nedbalost, kdy bezpe\u010dnostn\u00ed PIN byl nap\u0159\u00edklad zapsan\u00fd na kart\u011b nebo vlo\u017een\u00fd v&nbsp;pen\u011b\u017eence. D\u016fle\u017eit\u00e9 je ihned kontaktovat centrum a kartu zablokovat a to opravdu ud\u011blat rychle, pokud m\u00e1me bezkontaktn\u00ed kartu, kde se d\u00e1 nakupovat do ur\u010dit\u00e9 v\u00fd\u0161e bez zad\u00e1n\u00ed PIN. Po mal\u00fdch \u010d\u00e1stk\u00e1ch se d\u00e1 tak\u00e9 p\u0159ij\u00edt o velkou sumu na\u0161ich pen\u011bz.\tCestovn\u00ed poji\u0161t\u011bn\u00edMnoz\u00ed u\u017eivatel\u00e9 ani nev\u011bd\u00ed, \u017ee maj\u00ed uzav\u0159en\u00e9, d\u00edky sv\u00fdm platebn\u00edm kart\u00e1m, cestovn\u00ed poji\u0161t\u011bn\u00ed. Je dobr\u00e9 se na tuto skute\u010dnost zeptat vydavatele, proto\u017ee pak v&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech n\u00e1m bude sta\u010dit se prok\u00e1zat p\u0159i \u00farazu pr\u00e1v\u011b danou kartou. Ov\u0161em ur\u010dit\u011b se mus\u00ed po\u010d\u00edtat s&nbsp;ni\u017e\u0161\u00ed \u010d\u00e1stkou, na n\u00e1hradu, ne\u017e je tomu u uzav\u0159en\u00ed klasick\u00e9 cestovn\u00ed pojistky. Nicm\u00e9n\u011b pojistn\u00e9 term\u00edny n\u00e1m r\u00e1di vysv\u011btl\u00ed odborn\u00ed pracovn\u00edci banky nebo finan\u010dn\u00ed poradce, kter\u00fd spravuje n\u00e1\u0161 \u00fa\u010det. &nbsp;                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Platebn\u00ed karta","item":"https:\/\/www.coteese.cz\/platebni-karta\/#breadcrumbitem"}]}]