Tipy, ako v zahraničí rozumne využívať debetnú aj kreditnú kartu

Napísal Michal Račko 20. február 2025

V nasledujúcich týždňoch, počas jarných prázdnin, sa množstvo Slovákov vydá na cesty, viacerí aj do zahraničia. Všade tu môžu pomôcť praktické rady pri rôznych platbách, ale aj v prípade neočakávaných problémov. Tipy, ako to  zvládnuť, prináša spoločnosť Home Credit.

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Počas pobytu v cudzine je vždy dobré mať so sebou debetnú, ale ideálne aj kreditnú kartu. Vo väčšine prípadov, v lyžiarskych strediskách, v reštauráciách, hoteloch alebo v požičovniach sa dá bežne platiť kartou. Na druhej strane, v niektorých menších prevádzkach alebo na odľahlejších miestach sa vám zase hodí aj nejaká malá hotovosť, takže treba myslieť aj na to.

Pre používanie platobných kariet za hranicami platia tieto základné pravidlá:

1. Preverte si platnosť kariet a limity - pred odchodom do zahraničia si nezabudnite pozrieť, kedy sa vám končí platnosť vašich kariet, aby ste sa nedostali do nepríjemnej situácie pri platení a taktiež si skontrolujte maximálny denný limit, nakoľko v cudzine môžete potrebovať za deň zaplatiť toho viac, ako bežne utrácate cez deň na Slovensku. Na druhej strane, limity sa dajú aj znížiť, ak si chcete byť istí, že vám zahraničný obchodník niekde v exotickej destinácii z kreditky nestiahne z účtu viac peňazí, ako by mal. Tieto informácie nájdete v internetovom bankovníctve, limity sa tam dajú aj upravovať.

2. Plaťte kartami, hotovosť vyberajte len v nevyhnutnosti - všade, kde je to možné, plaťte radšej kartou, určite vás to vyjde výhodnejšie, ako by ste vyberali hotovosť z bankomatov. Ak máte platobné karty Visa aj MasterCard, je lepšie si vziať obe. Niekde totiž preferujú tie od jednej spoločností, inde zase od tej druhej.

3. Kreditkou z bankomatu peniaze nevyberajte - bez hotovosti sa však niekedy nezaobídete, keďže na niektorých miestach, trebárs za občerstvenie v malom bufete na zjazdovke, kartou často nezaplatíte. „Hotovosť ale vyberajte vždy debetnou kartou. Väčšinou totiž za výber hotovosti kreditkou zaplatíte vysoký poplatok, a navyše sa na hotovostné transakcie u väčšiny kreditných kariet nevzťahuje bezúročné obdobie,“ radí ombudsman Home Creditu Miroslav Zborovský. Pokiaľ navyše chcete ušetriť na poplatkoch za výber, preferujte bankomaty vašej banky, respektíve skupiny, do ktorej patrí.

4. Kreditná karta sa môže hodiť - jej výhody oceníte napríklad pri rezervácii ubytovania alebo ak si chcete požičať na dovolenke auto, kde si zvyknú požičovne vozidiel z karty zablokovať nejaký vyšší depozit až dovtedy, kým auto nevrátite. „Ak teda máte kreditnú kartu a doma ju veľmi nepoužívate, do zahraničia si ju určite zoberte. Môže sa vám zísť aj ako poistka v prípade nejakých problémov či vo finančnej núdzi. Pred cestou sa ale uistite, či je ešte aktívna, čo sa dá zistiť jednoducho pri menšej testovacej platbe v obchode,“  dopĺňa ombudsman klientov spoločnosti Home Credit.

Ako to býva zvykom z roka na rok čoraz častejšie, aj počas týchto jarných prázdnin sa mnohí Slováci hodlajú vybrať aj do exotických a vzdialených destinácií alebo do vychýrených alpských stredísk, kde však musia počítať s vyššími nákladmi na takúto dovolenku. „Každopádne si to treba dobre prerátať, či nám to náš rodinný rozpočet dovolí a v akých “finančných mantineloch“ sa reálne môžeme hýbať. Určite nie je dobé si požičiavať na takéto krátkodobé zážitky a luxusné pobyty, ktoré veľmi rýchlo vyprchajú a vám potom zostanú dlhy na najbližšie roky,“ upozorňuje ombudsman.

Treba myslieť aj na cestovné poistenie  

Počas prázdninových výjazdov za hranice sa môžete dostať do rôznych nepríjemných situácií, či už je to úraz alebo náhla choroba,  autonehoda, vysoká pokuta, spôsobená veľká škoda, krádež osobných vecí či strata dokladov. Všetko to určite skomplikuje pobyt, no aj s týmto všetkým  sa dá poradiť. Samozrejmosťou je mať uzavreté cestovné a úrazové poistenie, z ktorého sa hradia náklady spojené s riešením uvedených nepríjemných situácií, ktoré sa môžu pohybovať aj v desiatkach tisíc eur.

1 Komentár

  • Komentár https://hellovivat.com/forums/users/tracie564666784/ %AM, %21 %364 %2025 %07:%mar napísal https://hellovivat.com/forums/users/tracie564666784/

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