[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.trixi.sk\/ako-s-rozumom-pouzivat-kreditnu-kartu\/#Article","mainEntityOfPage":"https:\/\/www.trixi.sk\/ako-s-rozumom-pouzivat-kreditnu-kartu\/","headline":"Ako s rozumom pou\u017e\u00edva\u0165 kreditn\u00fa kartu","name":"Ako s rozumom pou\u017e\u00edva\u0165 kreditn\u00fa kartu","description":"Ur\u010dite ju m\u00e1te, alebo v\u00e1m u\u017e vo va\u0161ej banke bola pon\u00fakan\u00e1. Kreditn\u00e1 karta je ve\u013emi dobr\u00fd spolo\u010dn\u00edk napr\u00edklad ak sa chyst\u00e1te na dovolenku. M\u00f4\u017eete si by\u0165 ist\u00fd, \u017ee kreditkou zaplat\u00edte kdeko\u013evek a\u00a0kedyko\u013evek. Av\u0161ak je vhodn\u00e1 aj na pou\u017e\u00edvanie po\u010das va\u0161ich…","datePublished":"2025-03-03","dateModified":"2025-03-03","author":{"@type":"Person","@id":"https:\/\/www.trixi.sk\/author\/#Person","name":"","url":"https:\/\/www.trixi.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"trixi.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.trixi.sk\/wp-content\/uploads\/img_a291443_w16537_t1538061038.jpg","url":"https:\/\/www.trixi.sk\/wp-content\/uploads\/img_a291443_w16537_t1538061038.jpg","height":0,"width":0},"url":"https:\/\/www.trixi.sk\/ako-s-rozumom-pouzivat-kreditnu-kartu\/","about":["Peniaze"],"wordCount":408,"articleBody":"Ur\u010dite ju m\u00e1te, alebo v\u00e1m u\u017e vo va\u0161ej banke bola pon\u00fakan\u00e1. Kreditn\u00e1 karta je ve\u013emi dobr\u00fd spolo\u010dn\u00edk napr\u00edklad ak sa chyst\u00e1te na dovolenku. M\u00f4\u017eete si by\u0165 ist\u00fd, \u017ee kreditkou zaplat\u00edte kdeko\u013evek a\u00a0kedyko\u013evek. Av\u0161ak je vhodn\u00e1 aj na pou\u017e\u00edvanie po\u010das va\u0161ich be\u017en\u00fdch dn\u00ed? Ak si to tak prajete, stanovte si svoje osobn\u00e9 pravidl\u00e1 pou\u017e\u00edvania. Zaru\u010dene v\u00e1m to u\u013eah\u010d\u00ed \u017eivot a\u00a0pred\u00eddete nepr\u00edjemnostiam.1.\u00a0\u00a0\u00a0\u00a0\u00a0 Spotrebujte len to\u013eko pe\u0148az\u00ed, ko\u013eko potrebujeteJe mnoho \u013eud\u00ed, ktor\u00fd si nech\u00e1vaj\u00fa hotovos\u0165 len tak pre istotu, ak by ju potrebovali nesk\u00f4r a\u00a0rad\u0161ej platia kreditkou. Po pr\u00edchode \u00fa\u010dtu zistia, \u017ee nemaj\u00fa na spl\u00e1tky, lebo siahli na pr\u00edli\u0161 ve\u013ea pe\u0148az\u00ed. Kreditku je vhodn\u00e9 pou\u017ei\u0165 ako posledn\u00fa mo\u017enos\u0165.2.\u00a0\u00a0\u00a0\u00a0\u00a0 Nevyu\u017e\u00edvajte viac ne\u017e 30% prostriedkovS\u00favis\u00ed to samozrejme s\u00a0prv\u00fdm odpor\u00fa\u010dan\u00edm. Stanovte si sami pre seba, \u017ee v\u00e1\u0161 strop vyu\u017e\u00edvan\u00fdch prostriedkov bude 30%. Aj ke\u010f sa vo v\u00fdnimo\u010dn\u00fdch pr\u00edpadoch stane, \u017ee to presiahnete, nebude to a\u017e tak\u00e1 vysok\u00e1 suma ako keby ste \u017eiaden pomyseln\u00fd strop nemali.3.\u00a0\u00a0\u00a0\u00a0\u00a0 Webov\u00fd prehliada\u010d si nepam\u00e4t\u00e1 \u00fadajeNeukladajte si \u00fadaje o\u00a0va\u0161ej karte do prehliada\u010da. \u00c1no je to samozrejme ve\u013emi pohodln\u00e9, ale umo\u017e\u0148uje n\u00e1m to bez rozmyslu nakupova\u0165 pomocou p\u00e1r kliknut\u00ed. Niekedy v\u00e1s dok\u00e1\u017ee odradi\u0165, ke\u010f mus\u00edte \u00eds\u0165 po kartu a\u00a0op\u00edsa\u0165 z\u00a0nej \u00fadaje, n\u00e1kup si rozmysl\u00edte a\u00a0uvedom\u00edte si, \u017ee t\u00fa vec ani nepotrebujete.4.\u00a0\u00a0\u00a0\u00a0\u00a0 Neome\u0161kajte sa s\u00a0platbouNastavte si automatick\u00e9 spl\u00e1canie dl\u017enej sumy. Je to najlep\u0161\u00ed sp\u00f4sob ako si zvykn\u00fa\u0165 na to, \u017ee z\u00e1v\u00e4zky treba spl\u00e1ca\u0165 a\u00a0dlh sa v\u00e1m nebude zvy\u0161ova\u0165. Vo niektor\u00fdch pr\u00edpadoch je to nastaven\u00e9 tak, \u017ee ak zaplat\u00edte dl\u017en\u00fa sumu do stanoven\u00e9ho term\u00ednu, odp\u00fa\u0161\u0165aj\u00fa sa v\u00e1m \u00faroky. Mysl\u00edm, \u017ee to je ve\u013emi dobr\u00e1 motiv\u00e1cia.Ako sme p\u00edsali na za\u010diatku, kreditn\u00e1 karta je forma \u00faveru. V\u017edy si treba zhodnoti\u0165, \u010di nie ste schopn\u00ed svoje v\u00fddavky pokry\u0165 pomocou debetn\u00fdch kariet, na ktor\u00fdch disponujete iba s\u00a0vlastn\u00fdmi prostriedkami a\u00a0nemus\u00edte sa tr\u00e1pi\u0165 \u00farokmi a\u00a0spl\u00e1tkami a\u00a0v\u0161etk\u00fdm, \u010do s\u00a0dr\u017ean\u00edm kreditky s\u00favis\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako s rozumom pou\u017e\u00edva\u0165 kreditn\u00fa kartu","item":"https:\/\/www.trixi.sk\/ako-s-rozumom-pouzivat-kreditnu-kartu\/#breadcrumbitem"}]}]