[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vedomie.sk\/hotovost-ci-kreditka\/#Article","mainEntityOfPage":"https:\/\/www.vedomie.sk\/hotovost-ci-kreditka\/","headline":"Hotovos\u0165 \u010di kreditka?","name":"Hotovos\u0165 \u010di kreditka?","description":"1. Rozpo\u010det \u00a0 Mnoho \u013eud\u00ed ver\u00ed, \u017ee je jednoduch\u0161ie dr\u017ea\u0165 sa rozpo\u010dtu, pokia\u013e plat\u00edte v hotovosti. Ak plat\u00edte kartou, ist\u00fdm sp\u00f4sobom nevid\u00edte peniaze, ktor\u00e9 m\u00ed\u0148ate a preto je mo\u017en\u00e9, \u017eeminiete viac, ako ste p\u00f4vodne chceli. Ak v\u0161ak m\u00e1te hotovos\u0165 a po\u010das n\u00e1kupov vid\u00edte ako pomaly mizn\u00fa bankovky a\u00a0aj posledn\u00e9 drobn\u00e9 mince, za\u010dnete prehodnocova\u0165, \u010di dan\u00fa […]","datePublished":"2019-08-13","dateModified":"2024-01-30","author":{"@type":"Person","@id":"https:\/\/www.vedomie.sk\/author\/#Person","name":"","url":"https:\/\/www.vedomie.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vedomie.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vedomie.sk\/wp-content\/uploads\/img_a304852_w16594_t1566228193.jpg","url":"https:\/\/www.vedomie.sk\/wp-content\/uploads\/img_a304852_w16594_t1566228193.jpg","height":0,"width":0},"url":"https:\/\/www.vedomie.sk\/hotovost-ci-kreditka\/","wordCount":362,"articleBody":"1. Rozpo\u010det\u00a0Mnoho \u013eud\u00ed ver\u00ed, \u017ee je jednoduch\u0161ie dr\u017ea\u0165 sa rozpo\u010dtu, pokia\u013e plat\u00edte v hotovosti. Ak plat\u00edte kartou, ist\u00fdm sp\u00f4sobom nevid\u00edte peniaze, ktor\u00e9 m\u00ed\u0148ate a preto je mo\u017en\u00e9, \u017eeminiete viac, ako ste p\u00f4vodne chceli. Ak v\u0161ak m\u00e1te hotovos\u0165 a po\u010das n\u00e1kupov vid\u00edte ako pomaly mizn\u00fa bankovky a\u00a0aj posledn\u00e9 drobn\u00e9 mince, za\u010dnete prehodnocova\u0165, \u010di dan\u00fa vec naozaj potrebujete a ak bankovky zmizn\u00fa \u00faplne a\u00a0mince v\u00e1m vysta\u010dia na jeden chlieb, viete, \u017ee ste dosiahli svoj povolen\u00fd limit.\u00a02. Obchody\u00a0\u010ci tomu uver\u00edte alebo nie, st\u00e1le existuj\u00fa obchody, ktor\u00e9 nemaj\u00fa termin\u00e1l a teda neprij\u00edmaj\u00fa platby kartou. Ak si teda chcete by\u0165 ist\u00ed \u017ee sa vyhnete probl\u00e9mu \u010di str\u00e1pneniu pri pokladni, ak by sa nedalo plati\u0165 kartou, je lep\u0161\u00edm sp\u00f4sobom hotovos\u0165.\u00a03. Pohodlie\u00a0Samozrejme, \u017ee pou\u017e\u00edvanie karty je ove\u013ea pohodlnej\u0161ie. Platba je r\u00fdchlej\u0161ia (nako\u013eko u\u017e pri 90% kariet je mo\u017en\u00e9 plati\u0165 bezkontaktne), nemus\u00edte so sebou nosi\u0165 pe\u0148a\u017eenku pln\u00fa bankoviek a v pr\u00edpade kr\u00e1de\u017ee jednoducho zavol\u00e1te do banky a pou\u017e\u00edvanie karty pozastavia, tak\u017ee va\u0161e peniaze s\u00fa v bezpe\u010d\u00ed. Ak by v\u00e1m ukradli pe\u0148a\u017eenku s hotovos\u0165ou je pravdepodobnej\u0161ie, \u017ee svoje peniaze u\u017e neuvid\u00edte.\u00a04. Bankov\u00e9 pr\u00ednosy\u00a0Pri platbe hotovos\u0165ou jednoducho dostanete svoj tovar a je po v\u0161etkom. N\u00e1kupom pomocou karty m\u00f4\u017eete z\u00edska\u0165 viac v\u00fdhod – cashback na kartu, skor\u0161\u00ed pr\u00edstup k nov\u00e9mu tovaru (najm\u00e4 v e-shope) a r\u00f4zne v\u00fdhody v samotnej banke (napr\u00edklad lacnej\u0161\u00ed bal\u00ed\u010dek slu\u017eieb \u010di r\u00f4zne z\u013eavy pri po\u017e\u00edvan\u00ed karty).\u00a05. Budovanie bonity\u00a0Pou\u017e\u00edvanie hotovosti v\u00e1m nepom\u00f4\u017ee vybudova\u0165 si dobr\u00fa bonitu v banke, pokia\u013e by ste mali z\u00e1ujem o hypot\u00e9ku alebo in\u00fa p\u00f4\u017ei\u010dku. Pri zoh\u013ead\u0148ovan\u00ed o poskytnut\u00ed \u00faveru s\u00fa toti\u017e hodnoten\u00e9 najm\u00e4 pr\u00edjmy a v\u00fddavky, ktor\u00e9 prebiehaj\u00fa na \u00fa\u010dte (samozrejme, ak nie ste dlhodobo v\u00a0takzvanom m\u00ednuse a pokia\u013e \u00e1no, tak sa posudzuje, \u010di ho spl\u00e1cate v\u010das a podobne).                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hotovos\u0165 \u010di kreditka?","item":"https:\/\/www.vedomie.sk\/hotovost-ci-kreditka\/#breadcrumbitem"}]}]