[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.simpli.cz\/co-je-lepsi-penize-nebo-snad-karta\/#Article","mainEntityOfPage":"https:\/\/www.simpli.cz\/co-je-lepsi-penize-nebo-snad-karta\/","headline":"Co je lep\u0161\u00ed ? Pen\u00edze nebo snad karta?","name":"Co je lep\u0161\u00ed ? Pen\u00edze nebo snad karta?","description":"Jak jist\u011b v\u0161ichni v\u00edte, v minulosti se na dovolenou jezdilo t\u00edm stylem \u017ee jste si vzali ur\u010ditou sumu pen\u011bz, tu si vym\u011bnily za m\u011bnu kterou […]","datePublished":"2022-01-17","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.simpli.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.simpli.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"simpli.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.simpli.cz\/wp-content\/uploads\/pen%C3%ADze_10_10_10_2.jpg","url":"https:\/\/www.simpli.cz\/wp-content\/uploads\/pen%C3%ADze_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.simpli.cz\/co-je-lepsi-penize-nebo-snad-karta\/","about":["Finance"],"wordCount":828,"articleBody":"       Jak jist\u011b v\u0161ichni v\u00edte, v minulosti se na dovolenou jezdilo t\u00edm stylem \u017ee jste si vzali ur\u010ditou sumu pen\u011bz, tu si vym\u011bnily za m\u011bnu kterou se plat\u00ed v dan\u00e9 zemi \u010di st\u00e1tu. V p\u0159\u00edpad\u011b \u017ee v\u00e1m po dovolen\u00e9 n\u011bjak\u00e1 ta m\u011bna zbyla, bu\u010f jste si ji schovali doma pro p\u0159\u00edpad \u017ee byste se na dovolenou je\u0161t\u011b n\u011bkdy vydaly a nebo jste po p\u0159\u00edjezdu zp\u00e1tky za\u0161li do sm\u011bn\u00e1rny a pen\u00edze si vym\u011bnily zp\u011bt na \u010deskou m\u011bnu. V dne\u0161n\u00ed dob\u011b tuto mo\u017enost lid\u00e9 skoro v\u016fbec nepou\u017e\u00edvaj\u00ed, v dne\u0161n\u00ed dob\u011b (dob\u011b internetu) si lid\u00e9 objednaj\u00ed z\u00e1jezd online a pot\u00e9 ho zaplat\u00ed z domu p\u0159es bankovn\u00ed \u00fa\u010det. A to jenom z jednoho d\u016fvodu, platby kartou maj\u00ed hned n\u011bkolik v\u00fdhod. 1) Jako prvn\u00ed je to ur\u010dit\u011b bezpe\u010dnost, pokud m\u00e1te pen\u00edze na \u00fa\u010dtu nemus\u00edte se b\u00e1t \u017ee by v\u00e1m pen\u00edze v pap\u00edrov\u00e9 verzi vypadly a vy pak nem\u011bli \u010d\u00edm zaplatit v obchod\u011b, V p\u0159\u00edpad\u011b \u017ee by jste ztratili kartu, sta\u010d\u00ed zavolat do banky a va\u0161\u00ed ztracenou kartu zablokovat co nejd\u0159\u00edve. pot\u00e9 u\u017e si za \u017e\u00e1d\u00e1te o novou a je to vy\u0159e\u0161en\u00e9. Pokud svoj\u00ed dovolenou chyst\u00e1te platit kartou m\u00e1 to pro v\u00e1s v\u00fdhody \u017ee v\u00e1m ciz\u00ed pen\u00edze nemus\u00ed ani chyb\u011bt, p\u0159eb\u00fdvat ani nemus\u00edte platit p\u0159ebyte\u010dn\u00e9 poplatky ve sm\u011bn\u00e1rn\u011b, jeliko\u017e jak u\u017e je uvedeno v\u00fd\u0161e lid\u00e9 si m\u016f\u017eou cel\u00fd kurz zaplatit online, danou \u010d\u00e1stku pen\u011bz prop\u016fj\u010dit a pot\u00e9 je jenom vr\u00e1tit. V\u0161echny v\u011bci \u010di data a podob. maj\u00ed jak v\u00fdhody tak ale i nev\u00fdhody, a u toho t\u00e9ma tomu nen\u00ed jinak. op\u011bt se tu mohou vyskytnou i nev\u00fdhody. Jednou z nich je nap\u0159\u00edklad \u017ee kdy\u017e budete platit kartou mohou se dan\u00e9 platby kartou prodra\u017eit a vy tak zaplat\u00edte o n\u011bco v\u00edce ne\u017e vlastn\u011b chcete. Jako dal\u0161\u00ed nev\u00fdhoda je nap\u0159\u00edklad to \u017ee jak jste si jist\u011b mohly v\u0161imnou tak ne v ka\u017ed\u00e9m kr\u00e1m\u011b u\u017e berou karty, po\u0159\u00e1d se je\u0161t\u011b najdou obchody kde karty neberou a vy si tak bez hotovosti nezaplat\u00edte nic. A jako upozorn\u011bn\u00ed – pokud se chyst\u00e1te na dovolenou, vezm\u011bte si jak kartu tak i vym\u011bn\u011bnou ciz\u00ed hotovost proto\u017ee nikdy nev\u00edte co kde budete muset platit a jak jist\u011b v\u00edte m\u00e1lo kdo z policist\u016f u sebe nos\u00ed p\u0159\u00edstroj na platbu kartou. A co na to \u0159\u00edkaj\u00ed lid\u00e9? Karta nebo pen\u00edze? Co se t\u00fd\u010de na\u0161ich babi\u010dek a d\u011bde\u010dk\u016f, m\u00e1lokdo z nich plat\u00ed kartou, tak\u017ee pokud byste se na to zeptaly star\u0161\u00edch lidi na ulici ur\u010dit\u011b v\u00e1m \u0159eknou \u017ee jsou star\u00e1 \u0161kola a \u017ee se v dne\u0161n\u00ed dob\u011b moc nevyznaj\u00ed tak\u017ee preferuj\u00ed pen\u00edze. Co se t\u00fd\u010de na\u0161ich Maminek a tat\u00ednk\u016f m\u016f\u017eete narazit na to \u017ee pou\u017e\u00edvaj\u00ed oboje, n\u011bkdo si to d\u011bl\u00ed \u017ee n\u00e1kupy do 1 000 K\u010d plat\u00ed hotovost\u00ed a v\u011bt\u0161\u00ed n\u00e1kupy plat\u00ed kartou, a nebo hotovost\u00ed plat\u00ed pouze n\u00e1jem a zbytek plat\u00ed p\u0159es online bankovnictv\u00ed a v obchodech kartou. Co se t\u00fd\u010de tzv. generace Z, neboli dne\u0161n\u00edch d\u011bt\u00ed a dosp\u00edvaj\u00edc\u00ed, pou\u017e\u00edvaj\u00ed sp\u00ed\u0161e pen\u00edze pokud jim v\u0161ak rodi\u010de neza\u0159\u00edd\u00ed studentsk\u00fd \u00fa\u010det a na ten jim ka\u017ed\u00fd m\u011bs\u00edc nepos\u00edlaj\u00ed tzv. kapesn\u00e9. tak\u017ee u mlad\u00fdch lid\u00ed \u010di d\u011bt\u00ed je to 50\/50. A co z toho plyne ? Pokud doty\u010dn\u00fd plat\u00ed kartou m\u00e1 v\u011bt\u0161\u00ed pot\u0159ebu utr\u00e1cet, tak\u017ee a\u017e p\u016fjdete do kr\u00e1mu schv\u00e1ln\u011b si v\u0161imn\u011bte \u017ee ten kdo plat\u00ed kartou m\u00e1 v\u011bt\u0161\u00ed n\u00e1kup a ten kdo plat\u00ed hotovost\u00ed to m\u00e1 naopak. Proto\u017ee lid\u00e9 co plat\u00ed kartou ne\u0159e\u0161\u00ed ceny tolik jako ti co maj\u00ed v pen\u011b\u017eence pouze n\u011bjakou hotovost. Pot\u00e9 je rozd\u00edl zda plat\u00edte kreditn\u00ed nebo debetn\u00ed kartou. U debetn\u00edch karet v\u00e1s to toti\u017e upozorn\u00ed kdy\u017e vy\u010derp\u00e1te ve\u0161ker\u00e9 pen\u00edze kter\u00e9 se na \u00fa\u010dtu nach\u00e1zej\u00ed a u kreditn\u00ed karty nikoliv. Debetn\u00ed karty jsou tedy karty kter\u00e9 dostanete od banky p\u0159i zalo\u017een\u00ed \u00fa\u010dtu a \u010derp\u00e1te va\u0161e vyd\u011blan\u00e9 pen\u00edze kter\u00e9 v\u00e1m tam kdokoliv poslal. Tak\u017ee pokud chcete kreditn\u00ed kartu mus\u00edte si o ni za\u017e\u00e1dat. proto\u017ee pen\u00edze kter\u00e9 utr\u00e1c\u00edte p\u0159i platb\u00e1ch kreditn\u00ed kartou nejsou va\u0161e ale jsou to pen\u00edze banky kter\u00e1 v\u00e1m kreditn\u00ed kartu vydala. Banka v\u00e1m pouze podle va\u0161\u00ed bonity, navrhne dan\u00fd limit do kdy m\u016f\u017eete pen\u00edze \u010derpat.                                                                                                                                                                                                                                                                                                                                                                                           3.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je lep\u0161\u00ed ? Pen\u00edze nebo snad karta?","item":"https:\/\/www.simpli.cz\/co-je-lepsi-penize-nebo-snad-karta\/#breadcrumbitem"}]}]