[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rpic.sk\/na-co-si-davat-pozor-pri-kreditkach\/#Article","mainEntityOfPage":"https:\/\/www.rpic.sk\/na-co-si-davat-pozor-pri-kreditkach\/","headline":"Na \u010do si d\u00e1va\u0165 pozor pri kreditk\u00e1ch?","name":"Na \u010do si d\u00e1va\u0165 pozor pri kreditk\u00e1ch?","description":"Kto z\u00a0n\u00e1s by r\u00e1d za\u017eil \u017eivot bez dlhov a\u00a0\u017eivota od v\u00fdplaty k v\u00fdplate? Realita je...","datePublished":"2018-11-10","dateModified":"2018-11-10","author":{"@type":"Person","@id":"https:\/\/www.rpic.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.rpic.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rpic.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rpic.sk\/wp-content\/uploads\/img_a295438_w16682_t1547130258.jpg","url":"https:\/\/www.rpic.sk\/wp-content\/uploads\/img_a295438_w16682_t1547130258.jpg","height":0,"width":0},"url":"https:\/\/www.rpic.sk\/na-co-si-davat-pozor-pri-kreditkach\/","wordCount":489,"articleBody":"\tKto z\u00a0n\u00e1s by r\u00e1d za\u017eil \u017eivot bez dlhov a\u00a0\u017eivota od v\u00fdplaty k v\u00fdplate? Realita je v\u0161ak \u010dastokr\u00e1t in\u00e1 a\u00a0pre v\u00e4\u010d\u0161inu Slov\u00e1kov je to ka\u017edodenn\u00e1 realita. Aby sme pokryli nedostatok financi\u00ed pred v\u00fdplatou alebo uhradili nepredv\u00eddate\u013en\u00e9 v\u00fddavky, \u010dasto siahame po bankov\u00fdch produktoch ako p\u00f4\u017ei\u010dka alebo kreditn\u00e1 karta. K\u00fdm t\u00e1 prv\u00e1 m\u00e1 dan\u00e9 \u010dasov\u00e9 obdobie a\u00a0relat\u00edvne n\u00edzky \u00farok, kreditn\u00e9 karty, ak si ned\u00e1me pozor, n\u00e1s m\u00f4\u017eu \u010dasto posun\u00fa\u0165 do finan\u010dn\u00e9ho koloto\u010da, z\u00a0ktor\u00e9ho sa iba \u0165a\u017eko dosta\u0165.\t\t\u00a0\tKreditn\u00e9 karty s\u00fa bankov\u00fdm produktom, ktor\u00fdm v\u00a0dne\u0161nej dobe disponuje v\u00e4\u010d\u0161ina Slov\u00e1kov. Tieto karty maj\u00fa ve\u013ea v\u00fdhod a\u00a0atrakt\u00edvne je bez\u00faro\u010dn\u00e9 obdobie, v\u00e4\u010d\u0161inou 30 a\u017e 50 dn\u00ed. To znamen\u00e1, \u017ee ak po\u017ei\u010dan\u00fa sumu splat\u00edme v\u00a0danom obdob\u00ed, nebude n\u00e1m \u00fa\u010dtovan\u00fd \u017eiaden \u00farok. Kv\u00f4li tomu je tento produkt u\u00a0\u013eud\u00ed popul\u00e1rny naproti p\u00f4\u017ei\u010dke, ktor\u00e1 nieko\u013eko percentn\u00fd \u00farok. S\u00fa kreditky dobr\u00e1 vo\u013eba alebo je lep\u0161ie sa im vyh\u00fdba\u0165? Samozrejme, v\u00a0ide\u00e1lnom svete by sme sa mali vyh\u00fdba\u0165 ak\u00fdmko\u013evek situ\u00e1ci\u00e1m, ktor\u00e9 n\u00e1s zadl\u017eia. V\u00a0dne\u0161nej situ\u00e1ci\u00ed je to ale takmer nemo\u017en\u00e9, najm\u00e4 ak n\u00e1m vysko\u010dia nepredv\u00eddate\u013en\u00e9 v\u00fddavky, napr\u00edklad ak sa pokaz\u00ed pr\u00e1\u010dka. Ak u\u017e teda m\u00e1me kreditn\u00fa kartu, ako ju pou\u017e\u00edva\u0165 aby sme sa vyhli mo\u017en\u00fdm probl\u00e9mom?\t\tZistite si d\u013a\u017eku bez\u00faro\u010dn\u00e9ho obdobia. T\u00fdm z\u00edskate preh\u013ead o\u00a0tom ak\u00fd \u010das m\u00e1te na vyplatenie celej po\u017ei\u010danej \u010diastky aby ste sa vyhli pr\u00edpadn\u00fdm \u00farokom.\t\tZistite si v\u00fd\u0161ku \u00farokov. Ak nie ste schopn\u00ed cel\u00fa \u010diastku vr\u00e1ti\u0165 v\u00a0bez\u00faro\u010dnom obdob\u00ed, je potrebn\u00e9 vedie\u0165 ak\u00e9 \u00faroky v\u00e1m banka bude \u00fa\u010dtova\u0165. V\u00a0tomto pr\u00edpade je lep\u0161ie si dopredu zv\u00e1\u017ei\u0165 \u010di sa v\u00e1m viac neoplat\u00ed p\u00f4\u017ei\u010dka, ktor\u00e1 m\u00e1 v\u00e4\u010d\u0161inou ni\u017e\u0161ie \u00faroky ako kreditn\u00e1 karta. V\u00e4\u010d\u0161ie invest\u00edcie pohybuj\u00face sa v\u00a0tis\u00edckach eur ako auto je preto lep\u0161ie rie\u0161i\u0165 \u00faverom.\t\tNezabudn\u00fa\u0165 na to, \u017ee kreditka je forma \u00faveru. Niekedy je \u013eahk\u00e9 zabudn\u00fa\u0165, \u017ee kreditn\u00e1 karta je tie\u017e \u00faver a\u00a0pr\u00edpadn\u00e9 vyh\u00fdbanie sa pravideln\u00fdm spl\u00e1tkam negat\u00edvne ovplyvn\u00ed bonitu dl\u017en\u00edka a\u00a0schopnos\u0165 z\u00edska\u0165 \u00faver v\u00a0bud\u00facnosti.\u00a0Kreditky, ak sa u\u017e\u00edvaj\u00fa s\u00a0rozumom a\u00a0s\u00fa splaten\u00e9 po\u010das bez\u00faro\u010dn\u00e9ho obdobia n\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 v\u00a0situ\u00e1ci\u00e1ch ke\u010f ur\u00fdchlene potrebujeme zaplati\u0165 neo\u010dak\u00e1van\u00e9 \u00fa\u010dty. Pred t\u00fdm ako pou\u017eijeme tieto karty je potrebn\u00e9 riadne si pre\u0161tudova\u0165 podmienky a\u00a0rizik\u00e1 s\u00a0nimi spojen\u00e9 aby sme sa vyhli finan\u010dn\u00fdm probl\u00e9mom.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na \u010do si d\u00e1va\u0165 pozor pri kreditk\u00e1ch?","item":"https:\/\/www.rpic.sk\/na-co-si-davat-pozor-pri-kreditkach\/#breadcrumbitem"}]}]