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Viete ako správne používať kreditnú kartu?

Napísal KČ 28. január 2020

Poznáte príslovie: “Oheň je dobrý sluha, ale zlý pán?” V prenesenom význame to platí aj pri kreditnej karte. Ak viete, ako ju správne používať, je to dobrý sluha. No stačí malé zaváhanie a kreditná karta vie byť poriadne zlým pánom.

shutterstock_kreditka20

V tomto článku si ukážeme, ako a kedy ju využívať, ale aj to, aké sú jej najväčšie výhody.

Čo je to kreditná karta? 

Kreditná karta je bežný bankový úverový produkt. Ak o ňu požiadate, získate úverový limit, v rámci ktorého môžete čerpať cudzie peniaze (peniaze banky) do určitej výšky.

Tie neskôr postupne splácate. V porovnaní s bežným spotrebným úverom alebo rýchlou pôžičkou vám kreditná karta poskytuje väčšiu flexibilitu pri splácaní.

Pamätajte si, že vždy keď v obchode platíte kreditnou kartou, peniaze si požičiavate. Ak platíte v obchode klasickou debetnou kartou, disponujete vlastnými peniazmi a zaplatiť môžete maximálne takú sumu, akú máte momentálne na účte.

Základný rozdiel medzi debetnou a kreditnou kartou je teda vo vlastníctve finančných prostriedkov. Kreditná karta vám umožní požičať si peniaze, ktoré neskôr musíte vrátiť späť. Tým sa dostávame k výhodám kreditných kariet.

Výhody kreditných kariet

  • Bezúročné obdobie (až 55 dní)
  • Flexibilita splácania
  • Dobrý spoločník v zahraničí
  • Členské výhody

Bezúročné obdobie predstavuje čas, v rámci ktorého môžete požičané peniaze z kreditnej karty vrátiť späť bez akýchkoľvek poplatkov a úrokov. Ak napríklad zaplatíte 1. februára v obchode kreditnou kartou 50 EUR a následne ich 25. februára pošlete späť, neplatíte žiadne úroky ani poplatky.

Každá z kreditných kariet má iný maximálny úverový limit a iné bezúročné obdobie. Maximom slovenského trhu je 55 dní od banky Cetelem. U tejto banky si môžete požiadať o kreditnú kartu s maximálnym limitom 5000 EUR.

vyhody_kreditnej_karty

Z hľadiska flexibility splácania je istotne lepšie vyplatiť celý zostávajúci dlh naraz. Vieme však, že to nie je vždy možné. Kreditná karta nám umožňuje splatiť toľko koľko momentálne môžeme a vtedy, kedy chceme. Ak navyše dodržíme bezúročné obdobie, požičali sme si bez úrokov a poplatkov.

Kreditky sú v súčasnosti dobrým spoločníkom do zahraničia, kde sa môže stať, že vašu bežnú debetnú kartu nebudú pri nákupoch akceptovať. Pokiaľ ste zvyknutí cestovať bez cestovky a vo vašej dovolenkovej destinácii si chcete požičať auto, pravdepodobne sa nevyhnete nutnosti mať so sebou kreditnú kartu

Aký je momentálny stav kreditných kariet na Slovensku?

Kreditné karty na Slovensku

Kreditné karty má vo svojom produktovom portfóliu pravdepodobne každá slovenská komerčná banka. Tie sa medzi sebou odlišujú vo výške ročných poplatkov, rozdielnej dĺžke bezúročného obdobia či výške prípadných úrokov.

Každá kreditná karta ponúka iný rad výhod u ostatných obchodníkov a preto je vhodné pred samotnou žiadosťou vyskúšať porovnanie kreditných kariet.

Porovnávač finančných produktov Financer.com Slovensko ponúka kompletný prehľad poskytovateľov kreditných kariet s porovnaním viacerých dôležitých parametrov.

Okrem toho má v ponuke výber čoraz obľúbenejších platobných kariet zo zahraničia, ako napríklad britský Revolut alebo nemeckú online banku N26.

Ako používať kreditnú kartu?

Ako a kedy používať kreditnú kartu? Kreditnú kartu môžete používať na akékoľvek bežné nákupy v obchodných centrách. Kreditka ostane vašim dobrým sluhom ak si zachováte platobnú disciplínu a požičané peniaze stihnete vrátiť v rámci bezúročného obdobia.

Nielen, že nebudete platiť žiadne úroky, ale pravidelnejším používaním kreditnej karty sa môžete dostať k zaujímavým percentuálnym zľavám a cashbackom v obchodoch.

Naopak, zlým pánom sa kreditná karta stáva vždy, ak požičané peniaze nestihnete vrátiť včas. Kreditky majú zvyčajne vysoké úrokové sadzby (od 15% ročne a vyššie). Akonáhle si zvyknete využívať kreditnú kartu bez systematického vracania peňazí, vedzte, že je zle.

Veľmi rýchlo sa totiž dostanete do špirály nikdy nekončiacich dlhov, z ktorých je veľmi náročné sa dostať späť.

Zdroj obrázku: Teerasak Ladnongkhun / shutterstock.com

Zdroj infografiky: Financer.com

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  • Komentár Flora Scott %PM, %09 %973 %2024 %22:%júl napísal Flora Scott

    Ahoj všetci,

    Dobrý deň z tejto strany, pani Flora Scott, veriteľka súkromných pôžičiek so sídlom v TEXAS, SPOJENÉ ŠTÁTY AMERICKÉ, ak máte záujem o naliehavú pôžičku z akéhokoľvek finančného dôvodu, potom nás neváhajte kontaktovať prostredníctvom (flora_scott@outlook.com) pre viac informácií o tejto úverovej transakcii, požičiavame
    pôžičky za prijateľnú sadzbu

    S laskavym pozdravom
    pani Flora

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