[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.absat.sk\/rozdiel-medzi-kreditnou-kartou-a-spotrebitelskym-uverom\/#Article","mainEntityOfPage":"https:\/\/www.absat.sk\/rozdiel-medzi-kreditnou-kartou-a-spotrebitelskym-uverom\/","headline":"Rozdiel medzi kreditnou kartou a spotrebite\u013esk\u00fdm \u00faverom","name":"Rozdiel medzi kreditnou kartou a spotrebite\u013esk\u00fdm \u00faverom","description":"Mnoho \u013eud\u00ed m\u00e1 ur\u010dite pochybnosti.\u00a0Jednou z\u00a0ot\u00e1zok\u00a0 je ot\u00e1zka, \u010do je v\u00fdhodnej\u0161ie: kreditn\u00e1 karta alebo spotrebite\u013esk\u00fd \u00faver?\u00a0Ka\u017ed\u00fd typ t\u00fdchto bankov\u00fdch produktov m\u00e1 svoje v\u00fdhody a nev\u00fdhody.\u00a0V","datePublished":"2018-02-25","dateModified":"2018-02-25","author":{"@type":"Person","@id":"https:\/\/www.absat.sk\/author\/#Person","name":"","url":"https:\/\/www.absat.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"absat.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.absat.sk\/wp-content\/uploads\/img_a287219_w16522_t1524662756.jpg","url":"https:\/\/www.absat.sk\/wp-content\/uploads\/img_a287219_w16522_t1524662756.jpg","height":0,"width":0},"url":"https:\/\/www.absat.sk\/rozdiel-medzi-kreditnou-kartou-a-spotrebitelskym-uverom\/","wordCount":369,"articleBody":"Mnoho \u013eud\u00ed m\u00e1 ur\u010dite pochybnosti.\u00a0Jednou z\u00a0ot\u00e1zok\u00a0 je ot\u00e1zka, \u010do je v\u00fdhodnej\u0161ie: kreditn\u00e1 karta alebo spotrebite\u013esk\u00fd \u00faver?\u00a0Ka\u017ed\u00fd typ t\u00fdchto bankov\u00fdch produktov m\u00e1 svoje v\u00fdhody a nev\u00fdhody.\u00a0V tomto \u010dl\u00e1nku ale zist\u00edte, \u010do si zvoli\u0165.Mnoh\u00ed u\u017e vedia, \u017ee spotrebite\u013esk\u00fd \u00faver je poskytovan\u00fd na presne vymedzen\u00e9 \u010dasov\u00e9 obdobie, po\u010das ktor\u00e9ho mus\u00ed klient uhasi\u0165 \u00faver v rovnak\u00fdch spl\u00e1tkach (anuitnej spl\u00e1tky) ka\u017ed\u00fd mesiac. Ak sa vyskytne tak\u00e1 situ\u00e1cia, \u017ee osoba oneskorila platbu, bud\u00fa nasledova\u0165 pokuty a sankcie. Ke\u010f z\u00e1kazn\u00edk banke nezaplat\u00ed u\u017e dlh\u00fa dobu hypotek\u00e1rne spl\u00e1tky, spadne do kateg\u00f3rie nespo\u013eahliv\u00fdch neplati\u010dov alebo m\u00f4\u017ee by\u0165 a\u017e trestne st\u00edhan\u00fd.V\u00fdhodou kreditnej karty pred spotrebite\u013esk\u00fdm \u00faverom\u00a0Spolu so spotrebite\u013esk\u00fdmi \u00favermi za\u010dali banky pon\u00faka\u0165 svojim z\u00e1kazn\u00edkom aj kreditn\u00fa kartu. V porovnan\u00ed so spotrebite\u013esk\u00fdmi \u00favermi m\u00e1 kreditn\u00e1 karta, ktor\u00e1 v skuto\u010dnosti m\u00e1 rovnak\u00e9 pr\u00edle\u017eitosti, nieko\u013eko \u010fal\u0161\u00edch v\u00fdhod. Mal\u00e9 rozmery \u010d\u00edm zaberaj\u00fa mal\u00fd priestor, tak\u017ee ju v\u017edy m\u00f4\u017eete nosi\u0165 so sebou. Hlavnou v\u00fdhodou je, \u017ee nie je obmedzen\u00e1 platnos\u0165ou kreditn\u00e9ho limitu, ale m\u00f4\u017ee by\u0165 pou\u017eit\u00e1 ihne\u010f po splaten\u00ed predch\u00e1dzaj\u00faceho dlhu a\u00a0to \u013eubovo\u013en\u00fd po\u010det kr\u00e1t. Mnoh\u00e9 banky pon\u00fakaj\u00fa dr\u017eite\u013eom kreditn\u00fdch kariet takzvan\u00e9 bez\u00faro\u010dn\u00e9 obdobie, kedy banky ne\u00fa\u010dtuj\u00fa \u00farok za pou\u017eitie \u00faveru na karte.\u00a0Kreditn\u00e1 karta je ve\u013emi v\u00fdhodn\u00e1, najm\u00e4 ak ju dr\u017eite\u013e pou\u017e\u00edva na pou\u017e\u00edvanie finan\u010dn\u00fdch prostriedkov banky a na zaplatenie z\u00e1kladn\u00fdch platieb. Menej vhodn\u00e1 je karta v t\u00fdch pr\u00edpadoch, ke\u010f potrebujete nejak\u00fa ve\u013ek\u00fa sumu, napr\u00edklad viac ako 100 tis\u00edc, preto\u017ee mesa\u010dn\u00e1 minim\u00e1lna platba kreditnou kartou bude 5-10% z\u00a0dlhu. \u010ci si nakoniec vyberiete spotrebite\u013esk\u00fd \u00faver v banke alebo kreditn\u00fa kartu, je to jedno- ka\u017ed\u00fd sa rozhodne aj tak s\u00e1m za seba. Ale sk\u00f4r alebo nesk\u00f4r v\u00e4\u010d\u0161ina \u013eud\u00ed bude st\u00e1le pou\u017e\u00edva\u0165 kreditn\u00e9 karty, preto\u017ee svet sa st\u00e1va \u010doraz viac civilizovanej\u0161\u00edm.                                                                                                                                                                                                                                                                                                                                                                                                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