[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.flamenio.cz\/kontokorent-nebo-kreditni-karta-co-je-vyhodnejsi\/#Article","mainEntityOfPage":"https:\/\/www.flamenio.cz\/kontokorent-nebo-kreditni-karta-co-je-vyhodnejsi\/","headline":"Kontokorent nebo kreditn\u00ed karta: Co je v\u00fdhodn\u011bj\u0161\u00ed?","name":"Kontokorent nebo kreditn\u00ed karta: Co je v\u00fdhodn\u011bj\u0161\u00ed?","description":"Banky dnes nab\u00edzej\u00ed sv\u00fdm klient\u016fm k\u00a0b\u011b\u017en\u00e9mu \u00fa\u010dtu slu\u017eby, kter\u00e9 operativn\u011b \u0159e\u0161\u00ed do\u010dasn\u00fd nedostatek finan\u010dn\u00edch prost\u0159edk\u016f. M\u00e1te p\u0159ehled o tom, co pro v\u00e1s znamen\u00e1 schv\u00e1len\u00ed kontokorentu nebo \u010derp\u00e1n\u00ed z\u00a0kreditn\u00ed karty? Je…","datePublished":"2019-02-23","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.flamenio.cz\/author\/#Person","name":"","url":"https:\/\/www.flamenio.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"flamenio.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.flamenio.cz\/wp-content\/uploads\/img_a342872_w2502_t1556022846.jpg","url":"https:\/\/www.flamenio.cz\/wp-content\/uploads\/img_a342872_w2502_t1556022846.jpg","height":0,"width":0},"url":"https:\/\/www.flamenio.cz\/kontokorent-nebo-kreditni-karta-co-je-vyhodnejsi\/","about":["Web"],"wordCount":424,"articleBody":"Banky dnes nab\u00edzej\u00ed sv\u00fdm klient\u016fm k\u00a0b\u011b\u017en\u00e9mu \u00fa\u010dtu slu\u017eby, kter\u00e9 operativn\u011b \u0159e\u0161\u00ed do\u010dasn\u00fd nedostatek finan\u010dn\u00edch prost\u0159edk\u016f. M\u00e1te p\u0159ehled o tom, co pro v\u00e1s znamen\u00e1 schv\u00e1len\u00ed kontokorentu nebo \u010derp\u00e1n\u00ed z\u00a0kreditn\u00ed karty? Je v\u00fdhodn\u00e9 vyu\u017e\u00edt takovou p\u016fj\u010dku nebo si m\u00e1me d\u011blat starost s\u00a0mo\u017enou dluhovou past\u00ed?Oproti b\u011b\u017en\u00e9mu spot\u0159ebitelsk\u00e9mu \u00fav\u011bru maj\u00ed tyto dv\u011b \u00fav\u011brov\u00e9 mo\u017enosti v\u00fdhodu, \u017ee nemus\u00edte zdlouhav\u011b vy\u0159izovat schvalov\u00e1n\u00ed p\u016fj\u010dky. Jsou tedy ide\u00e1ln\u00edm \u0159e\u0161en\u00edm pro klienty, kte\u0159\u00ed \u010dasto vyu\u017e\u00edvaj\u00ed jednor\u00e1zov\u00fd kredit a jsou schopni ho rychle splatit.Kontokorent je \u00fav\u011br, kter\u00fd m\u016f\u017eete vyu\u017e\u00edt, m\u00e1te-li b\u011b\u017en\u00fd \u00fa\u010det a pravideln\u00fd p\u0159\u00edjem. Je to povolen\u00e9 p\u0159e\u010derp\u00e1n\u00ed z\u016fstatku, kter\u00e9 v\u00e1m umo\u017en\u00ed j\u00edt do m\u00ednusu, pokud na \u00fa\u010dtu chyb\u00ed pot\u0159ebn\u00e1 hotovost. Limit \u010derpan\u00fdch pen\u011b\u017en\u00edch prost\u0159edk\u016f ur\u010duje banka a klient mus\u00ed nejpozd\u011bji do roka p\u016fj\u010dku splatit. Zalo\u017een\u00ed kontokorentn\u00edho \u00fav\u011bru je zdarma, ale dlu\u017en\u00e1 \u010d\u00e1stka se za\u010d\u00edn\u00e1 \u00faro\u010dit okam\u017eit\u011b a \u00farokov\u00e9 sazby nepat\u0159\u00ed k\u00a0nejni\u017e\u0161\u00edm. V\u00fdhoda kontokorentu spo\u010d\u00edv\u00e1 v\u00a0tom, \u017ee nemus\u00edte m\u00edt obavy, zda z\u00a0va\u0161eho \u00fa\u010dtu budou realizov\u00e1ny v\u0161echny pravideln\u00e9 platby. Jestli\u017ee na va\u0161e konto nechod\u00ed pen\u00edze pravideln\u011b, je pro v\u00e1s v\u00fdhodn\u00e9 tuto slu\u017ebu vyu\u017e\u00edvat.Pokud jste se zaj\u00edmali o kreditn\u00ed kartu, v\u00edte, \u017ee je ide\u00e1ln\u00ed na kr\u00e1tkodob\u00e9 v\u00fddaje. Tento produkt je obvykle zpoplatn\u011bn. Nev\u00fdhodou jsou vy\u0161\u0161\u00ed \u00faroky ne\u017e u kontokorentu, ale jste-li schopni splatit dluh v\u00a0tzv. bez\u00faro\u010dn\u00e9m obdob\u00ed, pak m\u00e1te mo\u017enost \u010derpat p\u016fj\u010dku zdarma. K p\u0159ednostem kreditn\u00edch karet pat\u0159\u00ed tak\u00e9 slevy nebo prodlou\u017een\u00ed z\u00e1ru\u010dn\u00ed doby p\u0159i n\u00e1kupu ur\u010dit\u00e9ho zbo\u017e\u00ed, bonusov\u00e9 programy a usnadn\u011bn\u00ed plateb v\u00a0zahrani\u010d\u00ed kv\u016fli v\u00fdhodn\u011bj\u0161\u00edmu m\u011bnov\u00e9mu kurzu. Je v\u0161ak t\u0159eba m\u00edt p\u0159esn\u00fd p\u0159ehled o sv\u00fdch financ\u00edch a hl\u00eddat si dobu splatnosti. \u00a0Pozor v\u0161ak na vyu\u017e\u00edv\u00e1n\u00ed kontokorentu nebo kreditn\u00ed karty, chcete-li si vz\u00edt hypot\u00e9ku. Banky v\u00e1s vyhodnot\u00ed jako dlu\u017en\u00edka a hypote\u010dn\u00ed \u00fav\u011br v\u00e1m neposkytnou, a to i v\u00a0p\u0159\u00edpad\u011b, \u017ee jste nevy\u010derpali \u00fav\u011brov\u00fd limit.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kontokorent nebo kreditn\u00ed karta: Co je v\u00fdhodn\u011bj\u0161\u00ed?","item":"https:\/\/www.flamenio.cz\/kontokorent-nebo-kreditni-karta-co-je-vyhodnejsi\/#breadcrumbitem"}]}]