Viete ako správne používať kreditnú kartu?

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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    This is in contrast to a full squat, where you bend your knees deeper, often going past parallel to have
    interaction a bigger range of motion. Exhale and push by way of your heels to extend your legs to return to the starting place.
    You should really feel the burden going via your glutes and quads.Repeat for the desired variety of repetitions or
    time. This movement places your knees at a 45-degree angle along
    with your thighs parallel to the bottom (a quarter-stance squat).
    Full squats take your hips much nearer to the floor and put your
    knee angles to 90 degrees or more.
    This train engages your glute muscle tissue, which are the
    opposing muscle group to the quadriceps used in the
    Half Squat. This exercise not solely strengthens your glutes, but additionally helps
    to build core stability and balance. The Dumbbell Clasp Grip Sumo Squat is a superb different or complementary train to the Half Squat.
    This exercise targets the same muscle teams as the Half Squat, however differently.
    This train requires you to face along with your feet wider than hip-width aside and toes pointed slightly outward.
    Grasp a dumbbell with both hands and clasp it between your legs.

    If you wish to enhance your vary of motion and mobility, try this exercise.
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    If utilizing two dumbbells is simply too difficult for you
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    Gently draw your pubic bone to your stomach button (engage pelvic floor).


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    It primarily targets the hamstrings, glutes,
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    The primary difference between the Romanian landmine deadlift and stiff
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    The trapezius muscle tissue work isometrically to make sure your hips and lower
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    tissues. This train entails lifting a barbell
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    the again straight and utilizing the legs and glutes to drive the movement.

    The Smith machine is often used to carry out this train, providing a guided path for the barbell and permitting for simpler
    weight adjustments.
    Your lats are engaged in every pulling movement; the deadlift is not any different.
    The latissimus dorsi helps stabilize your upper physique while performing the deadlift.
    They are under the most stress when you're in a bent-over place.

    Maintain your shoulder blades pulled back all through
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    Pause deadlifts contribute to enhancing RFD by interrupting the stretch-shortening cycle of the muscle tissue.

    If you would possibly be having a medical emergency, name your doctor or 911 immediately.

    This sort of movement is an excellent way to save time, while
    promoting the growth and improvement of a quantity of
    muscle tissue. Keep Away From initiating the motion out of your knees or rounding your back, as these errors can result
    in discomfort or harm.
    As a result, you may be working out your upper trapezius muscle greater than your
    lower trapezius muscle. That is unless the weights are
    so large that there aren't any dumbbells obtainable at that weight.

    Shoulder shrugs and bent-over barbell rows are also going to be more
    snug for the same cause.

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