{"id":17602,"date":"2021-03-01T21:48:19","date_gmt":"2021-03-01T21:48:19","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=17602"},"modified":"2021-03-01T21:48:22","modified_gmt":"2021-03-01T21:48:22","slug":"como-utilizar-o-cartao-de-credito-sem-se-endividar","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/como-utilizar-o-cartao-de-credito-sem-se-endividar\/","title":{"rendered":"Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-d%C3%ADvidas-no-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Dluhy z kreditn\u00edch karet<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar?\u00a0 (Imagem: Ag\u00eancia Brasil)\"  id=\"17605\" src=\"https:\/\/ucarecdn.com\/1a94d00c-2bb1-42ef-a2dc-57a792bad23b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: Ag\u00eancia Brasil)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kreditn\u00ed karta je jednou z nejpou\u017e\u00edvan\u011bj\u0161\u00edch platebn\u00edch metod v Braz\u00edlii i po cel\u00e9m sv\u011bt\u011b, ale d\u00edky sv\u00e9 dostupnosti zp\u016fsobuje, \u017ee si lid\u00e9 neust\u00e1l\u00fdm pou\u017e\u00edv\u00e1n\u00edm nad\u011blaj\u00ed n\u011bkolik dluh\u016f. Jak tedy pou\u017e\u00edvat svou kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>U\u017eivatel toti\u017e p\u0159i pou\u017e\u00edv\u00e1n\u00ed kreditn\u00ed karty ji\u017e nev\u011bnuje takovou pozornost jako fyzick\u00fdm pen\u011bz\u016fm, proto\u017ee za\u010d\u00edn\u00e1 m\u00edt dojem, \u017ee se nezadlu\u017euje.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Poj\u010fme si tedy \u0159\u00edci n\u011bco m\u00e1lo o kreditn\u00ed kart\u011b a o tom, jak v\u00e1m m\u016f\u017ee pomoci v ka\u017edodenn\u00edm \u017eivot\u011b a jak m\u016f\u017ee zp\u016fsobit n\u011bkolik probl\u00e9m\u016f.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-o-cart%C3%A3o-de-cr%C3%A9dito-realmente-%C3%A9-o-vil%C3%A3o-da-hist%C3%B3ria-\"><strong>Je kreditn\u00ed karta skute\u010dn\u011b padouchem p\u0159\u00edb\u011bhu?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: vecteezy)\"  id=\"17606\" src=\"https:\/\/ucarecdn.com\/9df85c68-9dab-4ee2-9b50-e84c5c73d8cd\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: vecteezy)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>I kdy\u017e je to dareb\u00e1k, nezd\u00e1lo se, \u017ee by kreditn\u00ed karta zp\u016fsobila sv\u00fdm u\u017eivatel\u016fm dal\u0161\u00ed probl\u00e9my.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ve skute\u010dnosti to p\u0159i\u0161lo jako zp\u016fsob, jak p\u0159in\u00e9st pohodl\u00ed a snadnost, zejm\u00e9na v dob\u011b, kdy u\u017eivatel nem\u00e1 po ruce fyzickou hotovost.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jen\u017ee stejn\u011b jako p\u0159in\u00e1\u0161\u00ed n\u011bkolik v\u00fdhod, p\u0159in\u00e1\u0161\u00ed i nev\u00fdhody, proto\u017ee vzbuzuje dojem, \u017ee u\u017eivatel neutr\u00e1c\u00ed pen\u00edze.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kreditn\u00ed karta toti\u017e nab\u00edz\u00ed v\u00fdhodu placen\u00ed \u00fa\u010dt\u016f na spl\u00e1tky, kter\u00e9 bude pot\u0159eba zaplatit a\u017e za p\u00e1r dn\u00ed \u010di m\u011bs\u00edc\u016f.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aby v\u00e1m tedy kreditn\u00ed karta p\u0159in\u00e1\u0161ela do \u017eivota pouze v\u00fdhody, uvedeme n\u011bkolik tip\u016f, kter\u00e9 v\u00e1m v tomto procesu mohou pomoci. P\u0159ekontrolovat:<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-7-dicas-para-utilizar-o-cart%C3%A3o-de-cr%C3%A9dito-sem-se-endividar-\"><strong>7 tip\u016f, jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: UOL Economia)\"  id=\"17607\" src=\"https:\/\/ucarecdn.com\/ad332169-05dc-46c6-a619-b21a84c0bdf4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: UOL Economia)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dali jsme dohromady 7 tip\u016f, abyste mohli pou\u017e\u00edvat svou kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili. Pod\u00edvejte se na to n\u00ed\u017ee:<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"3-evite-parcelamentos-\"><strong>Vyhn\u011bte se spl\u00e1tk\u00e1m<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem:\u00a0 Financeone)\"  id=\"17609\" src=\"https:\/\/ucarecdn.com\/36f46f99-3cb9-4b8e-8781-53689f063dd8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: Financeone)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A n\u00e1\u0161 prvn\u00ed tip, abyste mohli pou\u017e\u00edvat svou kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili, je, \u017ee se vyhnete placen\u00ed spl\u00e1tek.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Je to proto, \u017ee p\u0159i n\u00e1kupech, kter\u00e9 maj\u00ed b\u00fdt zaplaceny v dlouhodob\u00e9m horizontu, se va\u0161e finance mohou st\u00e1t velk\u00fdm nepo\u0159\u00e1dkem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proto\u017ee dnes m\u016f\u017eete m\u00edt pot\u0159ebn\u00e9 \u010d\u00e1stky na zaplacen\u00ed t\u011bchto v\u00fddaj\u016f, ale v budoucnu mo\u017en\u00e1 ne.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud je to mo\u017en\u00e9, up\u0159ednost\u0148ujte platby v hotovosti p\u0159i n\u00e1kupu kartou nebo s n\u00edzk\u00fdmi spl\u00e1tkami.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jin\u00fdmi slovy, pokud mo\u017eno se vyvarujte n\u00e1kup\u016f na spl\u00e1tky na n\u011bkolik m\u011bs\u00edc\u016f, proto\u017ee i kdy\u017e to vypad\u00e1 jako skv\u011bl\u00e1 nab\u00eddka, dlouhodob\u011b nep\u0159in\u00e1\u0161\u00ed \u017e\u00e1dn\u00e9 v\u00fdhody.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To v\u0161ak neznamen\u00e1, \u017ee n\u00e1kupy na spl\u00e1tky p\u0159in\u00e1\u0161ej\u00ed pouze nev\u00fdhody, ale vyu\u017e\u00edvaj\u00ed je pouze v p\u0159\u00edpadech, kdy je pot\u0159eba.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Abyste m\u011bli nad sv\u00fdmi financemi kontrolu, nezapome\u0148te se proto p\u0159i pou\u017e\u00edv\u00e1n\u00ed kreditn\u00ed karty vyh\u00fdbat spl\u00e1tk\u00e1m.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-atente-se-com-o-pagamento-da-fatura-\"><strong>Pozor na zaplacen\u00ed faktury<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: cart\u00e3o a cr\u00e9dito)\"  id=\"17610\" src=\"https:\/\/ucarecdn.com\/83e60079-604d-4226-9197-f94ddb917162\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: kreditn\u00ed karta)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dal\u0161\u00edm tipem, kter\u00fd pro v\u00e1s m\u00e1me, jak pou\u017e\u00edvat svou kreditn\u00ed kartu moud\u0159e, je v\u011bnovat pozornost datu platby va\u0161eho \u00fa\u010dtu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Je to proto, \u017ee opo\u017ed\u011bn\u00e9 platby faktur vedou k vysok\u00fdm \u00farokov\u00fdm sazb\u00e1m, co\u017e u\u017eivatel\u016fm zp\u016fsobuje je\u0161t\u011b v\u011bt\u0161\u00ed probl\u00e9my.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zapi\u0161te si tedy data uz\u00e1v\u011brky na \u00fa\u010det va\u0161\u00ed kreditn\u00ed karty, abyste nezapomn\u011bli prov\u00e9st platbu ve spr\u00e1vn\u00e9 dny.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dal\u0161\u00edm tipem je v\u017edy zapisovat v\u0161echny n\u00e1kupy proveden\u00e9 na kartu a nainstalovat si do mobiln\u00edho telefonu aplikaci va\u0161\u00ed banky.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>M\u016f\u017eete tedy analyzovat svou n\u00e1kladovou tabulku spole\u010dn\u011b s v\u00fddajovou tabulkou banky a v p\u0159\u00edpad\u011b nesrovnalost\u00ed ji reklamovat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To je d\u016fle\u017eit\u00e9, proto\u017ee chyby p\u0159i zaznamen\u00e1v\u00e1n\u00ed n\u00e1kup\u016f proveden\u00fdch na kreditn\u00ed karty nejsou vz\u00e1cn\u00e9 a v d\u016fsledku p\u0159ehl\u00e9dnut\u00ed m\u016f\u017eete nakonec zaplatit v\u00edce, ne\u017e byste skute\u010dn\u011b m\u011bli.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ud\u011blejte si proto tabulku se sv\u00fdmi p\u0159\u00edjmy a v\u00fddaji a tak\u00e9 s datem uz\u00e1v\u011brky faktury, dnem nejlep\u0161\u00edho n\u00e1kupu a datem platby.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tyto \u00fadaje jsou tak\u00e9 d\u016fle\u017eit\u00e9, proto\u017ee mohou zp\u016fsobit, \u017ee faktura bude men\u0161\u00ed, proto\u017ee uz\u00e1v\u011brka va\u0161\u00ed faktury je ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f deset dn\u00ed p\u0159ed datem splatnosti.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To znamen\u00e1, \u017ee kdy\u017e p\u0159esn\u011b v\u00edte, jak\u00e9 je datum uz\u00e1v\u011brky faktury, m\u016f\u017eete po\u010dkat na dal\u0161\u00ed fakturu a prov\u00e9st ur\u010dit\u00fd n\u00e1kup, m\u00edsto abyste provedli n\u00e1kup, kter\u00fd se st\u00e1le objev\u00ed na aktu\u00e1ln\u00ed faktu\u0159e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jin\u00fdmi slovy, logika kreditn\u00ed karty je velmi jednoduch\u00e1, jen je pot\u0159eba m\u00edt v\u017edy po ruce v\u0161echny transakce, kter\u00e9 se s n\u00ed d\u011bj\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A pokud m\u00e1te pot\u00ed\u017ee se zapamatov\u00e1n\u00edm si v\u010dasn\u00e9ho zaplacen\u00ed faktur, m\u00e1te tak\u00e9 mo\u017enost napl\u00e1novat platbu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>T\u00edmto zp\u016fsobem sn\u00ed\u017e\u00edte pravd\u011bpodobnost, \u017ee se va\u0161e faktury zpozd\u00ed.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1RnOdx\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex 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this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/conheca-o-programa-de-acompanhamento-financeiro-do-dinheirama\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/d74bbb69-0664-4d9d-9404-ca868d81182d\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Objevte Dinheiramu a ovl\u00e1dejte sv\u00e9 finance!              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/conheca-o-programa-de-acompanhamento-financeiro-do-dinheirama\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"5-cuidado-com-o-cr%C3%A9dito-rotativo-\"><strong>Bu\u010fte opatrn\u00ed s revolvingov\u00fdm \u00fav\u011brem<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: n\u00facleo de varejo)\"  id=\"17612\" src=\"https:\/\/ucarecdn.com\/6fe9fbf0-63e7-4ff6-b25d-806f94b7acbc\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: maloobchodn\u00ed j\u00e1dro)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u00e1\u0161 tip se zat\u00edm t\u00fdk\u00e1 revolvingov\u00e9ho \u00fav\u011bru, alternativy hojn\u011b vyu\u017e\u00edvan\u00e9 z\u00e1kazn\u00edky, kte\u0159\u00ed pou\u017e\u00edvaj\u00ed kreditn\u00ed karty, ale m\u016f\u017ee b\u00fdt nebezpe\u010dn\u00e1.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Revolvingov\u00fd \u00fav\u011br funguje n\u00e1sledovn\u011b:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159edstavte si, \u017ee m\u00e1te vy\u00fa\u010dtov\u00e1n\u00ed, kter\u00e9 p\u0159evy\u0161uje v\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, a vy u\u017e v\u00edte, \u017ee do data splatnosti nestihnete zaplatit vy\u00fa\u010dtov\u00e1n\u00ed v pln\u00e9 v\u00fd\u0161i.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bez pou\u017eit\u00ed kreditn\u00ed karty se v\u0161ak tak\u00e9 neobejdete, proto\u017ee je to v\u00e1\u0161 ka\u017edodenn\u00ed nejpou\u017e\u00edvan\u011bj\u0161\u00ed zp\u016fsob platby.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finan\u010dn\u00ed instituce v\u00e1m tedy nab\u00edz\u00ed mo\u017enost platit ve spl\u00e1tk\u00e1ch, nebo zaplatit minim\u00e1ln\u00ed \u010d\u00e1stku va\u0161eho \u00fa\u010dtu nebo \u010d\u00e1stku, kterou za n\u011bj m\u016f\u017eete zaplatit, a zbytek pak bude financov\u00e1n revolvingov\u00fdm \u00fav\u011brem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Okam\u017eit\u011b se to zd\u00e1 jako skv\u011bl\u00fd n\u00e1pad, nicm\u00e9n\u011b je d\u016fle\u017eit\u00e9 zm\u00ednit, \u017ee revolvingov\u00fd \u00fav\u011br je druh \u00fav\u011bru nab\u00edzen\u00fd z\u00e1kazn\u00edk\u016fm, kter\u00fd m\u00e1 ale nejvy\u0161\u0161\u00ed \u00farokov\u00e9 sazby na trhu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jin\u00fdmi slovy, uzav\u0159en\u00ed tzv. revolvingov\u00e9ho \u00fav\u011bru v praxi znamen\u00e1, \u017ee z\u00e1kazn\u00edk bude platit \u00faroky z faktury, kterou nebyl schopen zaplatit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jin\u00fdmi slovy, v inteligentn\u00ed finan\u010dn\u00ed anal\u00fdze to nen\u00ed dobr\u00e1 volba, proto\u017ee \u0161ance na zadlu\u017een\u00ed jsou obrovsk\u00e9.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No, pokud jste nem\u011bli pot\u0159ebn\u00e9 \u010d\u00e1stky na zaplacen\u00ed sm\u011bnky bez \u00farok\u016f, p\u0159edstavte si, \u017ee m\u00e1te vysok\u00e9 \u00faroky?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bohu\u017eel i p\u0159es n\u011bkolik nev\u00fdhod je revolvingov\u00fd \u00fav\u011br st\u00e1le jednou z mo\u017enost\u00ed, proto\u017ee je lep\u0161\u00ed platit m\u00e1lo, ne\u017e neplatit nic.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proto se p\u0159ed rozhodnut\u00edm o revolvingov\u00e9m \u00fav\u011bru sna\u017ete co nejl\u00e9pe zaplatit \u00fa\u010det za kartu.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-estabele%C3%A7a-um-limite-realista-para-usar-no-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Nastavte si re\u00e1ln\u00fd limit pro pou\u017e\u00edv\u00e1n\u00ed va\u0161\u00ed kreditn\u00ed karty<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: Foregon)\"  id=\"17613\" src=\"https:\/\/ucarecdn.com\/1e4757bc-d919-4a71-85fe-97031a1bba87\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A dal\u0161\u00edm tipem, jak se vyhnout zadlu\u017een\u00ed p\u0159i neust\u00e1l\u00e9m pou\u017e\u00edv\u00e1n\u00ed va\u0161\u00ed kreditn\u00ed karty, je stanoven\u00ed realistick\u00fdch limit\u016f pro kartu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jsou toti\u017e lid\u00e9, kte\u0159\u00ed maj\u00ed pr\u016fm\u011brn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, ale na kreditn\u00ed kart\u011b si nastavuj\u00ed vysok\u00e9 limity.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A tak to, co by p\u0159ineslo pohodl\u00ed, p\u0159inese krom\u011b neust\u00e1l\u00fdch v\u00fddaj\u016f je\u0161t\u011b dal\u0161\u00ed probl\u00e9my s vysok\u00fdmi \u00faroky a poplatky.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159i nastavov\u00e1n\u00ed limitu pro va\u0161i kartu je tedy tip, aby nep\u0159es\u00e1hla 50% va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jin\u00fdmi slovy, i kdy\u017e banka nab\u00edz\u00ed n\u011bkolik mo\u017enost\u00ed pro vy\u0161\u0161\u00ed limity, pamatujte, \u017ee nemus\u00edte b\u00fdt schopni platit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dnes existuj\u00ed tak\u00e9 mo\u017enosti od n\u011bkter\u00fdch digit\u00e1ln\u00edch bank, kter\u00e9 z\u00e1kazn\u00edk\u016fm umo\u017e\u0148uj\u00ed ovl\u00e1dat vlastn\u00ed limit karty p\u0159\u00edmo prost\u0159ednictv\u00edm aplikace v mobiln\u00edm telefonu, co\u017e zaji\u0161\u0165uje v\u011bt\u0161\u00ed autonomii a finan\u010dn\u00ed kontrolu.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-procure-cart%C3%B5es-sem-anuidades-e-tarifas-\"><strong>Hledejte karty bez ro\u010dn\u00edch poplatk\u016f a poplatk\u016f<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: seu cr\u00e9dito digital)\"  id=\"17614\" src=\"https:\/\/ucarecdn.com\/6a33406f-dcaf-4167-98c2-75d0d2ba76f7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: v\u00e1\u0161 digit\u00e1ln\u00ed kredit)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159i n\u00e1kupu kreditn\u00ed karty vyb\u00edrejte ty, kter\u00e9 nemaj\u00ed \u017e\u00e1dn\u00e9 poplatky ani ro\u010dn\u00ed poplatky.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dnes existuje n\u011bkolik alternativ digit\u00e1ln\u00edho bankovnictv\u00ed, kter\u00e9 nab\u00edzej\u00ed kreditn\u00ed karty bez poplatk\u016f, poplatk\u016f nebo ro\u010dn\u00edch poplatk\u016f.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>D\u00e1le se m\u016f\u017eete tak\u00e9 pokusit vyjednat se svou bankou sn\u00ed\u017een\u00ed t\u011bchto poplatk\u016f nebo alespo\u0148 jejich hodnoty.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u010c\u00e1stky \u00fa\u010dtovan\u00e9 za ro\u010dn\u00ed poplatky a poplatky si toti\u017e v\u011bt\u0161inou ani nev\u0161imneme, co\u017e se m\u016f\u017ee st\u00e1t velk\u00fdm finan\u010dn\u00edm probl\u00e9mem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jak jsme ji\u017e zm\u00ednili, pe\u010dliv\u011b analyzujte svou kreditn\u00ed kartu a v\u0161echny finan\u010dn\u00ed transakce.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vyb\u00edrejte proto chyt\u0159e, ale pamatujte p\u0159edev\u0161\u00edm na to, \u017ee z\u00e1kazn\u00edk jste vy a dobr\u00e1 konverzace s va\u0161\u00ed bankou m\u016f\u017ee p\u0159in\u00e9st v\u00fdhody v\u00e1m ob\u011bma.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-25FYL\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"8 mo\u017enost\u00ed kreditn\u00ed karty se \u0161pinav\u00fdm jm\u00e9nem!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ba350723-85f9-47a1-8aea-e03539851df5\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"8 mo\u017enost\u00ed kreditn\u00ed karty se \u0161pinav\u00fdm jm\u00e9nem!\">\n            8 mo\u017enost\u00ed kreditn\u00ed karty se \u0161pinav\u00fdm jm\u00e9nem!        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u0160patn\u00e9 jm\u00e9no ji\u017e nen\u00ed probl\u00e9m, z\u00edskejte svou kartu je\u0161t\u011b dnes!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/ba350723-85f9-47a1-8aea-e03539851df5\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                8 mo\u017enost\u00ed kreditn\u00ed karty se \u0161pinav\u00fdm jm\u00e9nem!              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"8-evite-compras-por-impulso-\"><strong>Vyhn\u011bte se impulzivn\u00edm n\u00e1kup\u016fm<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem:vecteezy)\"  id=\"17615\" src=\"https:\/\/ucarecdn.com\/3fe292d3-0840-4807-8373-ccfc1cf6ac21\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: vecteezy)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159i pou\u017e\u00edv\u00e1n\u00ed karty nezapome\u0148te ji pou\u017e\u00edvat pouze pro n\u00e1kupy, kter\u00e9 skute\u010dn\u011b pot\u0159ebujete.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jin\u00fdmi slovy, vyhn\u011bte se impulzivn\u00edm n\u00e1kup\u016fm nebo pou\u017e\u00edv\u00e1n\u00ed kreditn\u00ed karty ke zbyte\u010dn\u00fdm n\u00e1kup\u016fm.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mezi tyto drobn\u00e9 n\u00e1kupy m\u00e1me nap\u0159\u00edklad \u0161\u00e1lek k\u00e1vy po ob\u011bd\u011b po pr\u00e1ci nebo krabi\u010dku cigaret.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Je to proto, \u017ee tyto mal\u00e9 v\u00fddaje, kter\u00e9 se \u010dasto vyskytuj\u00ed, se mohou st\u00e1t velk\u00fdm bolehlavem, pokud jde o uzav\u0159en\u00ed m\u011bs\u00ed\u010dn\u00ed faktury.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kartu tedy pou\u017e\u00edvejte pouze v situac\u00edch, kdy je pou\u017eit\u00ed jin\u00fdch platebn\u00edch metod obt\u00ed\u017en\u011bj\u0161\u00ed nebo dokonce pro pohodl\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vyhn\u011bte se v\u0161ak jeho pou\u017eit\u00ed pro impulzn\u00ed n\u00e1kupy, kter\u00e9 m\u016f\u017eete prov\u00e9st fyzickou hotovost\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A pokud st\u00e1le existuje pot\u0159eba, v\u017edy zvolte platbu v hotovosti, jak je uvedeno v\u00fd\u0161e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"9-utilize-o-cart%C3%A3o-de-cr%C3%A9dito-como-um-meio-de-pagamento-\"><strong>Pou\u017eijte svou kreditn\u00ed kartu jako platebn\u00ed prost\u0159edek<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: foregon)\"  id=\"17616\" src=\"https:\/\/ucarecdn.com\/c3148908-315c-4b80-9346-6ed8299e6301\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jak jsme ji\u017e uvedli v\u00fd\u0161e, kreditn\u00ed karta by m\u011bla b\u00fdt pou\u017e\u00edv\u00e1na jako platebn\u00ed prost\u0159edek, nikoli pouze jako n\u00e1stroj pro n\u00e1kupy.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proto mus\u00edte p\u0159esn\u011b v\u011bd\u011bt, jak\u00e9 n\u00e1kupy jsou s kartou prov\u00e1d\u011bny a jak to zasahuje do va\u0161eho finan\u010dn\u00edho \u017eivota.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Karta m\u00e1 p\u0159in\u00e1\u0161et snadnost, pohodl\u00ed a bezpe\u010dnost, ale nem\u011bla by se st\u00e1t jen p\u0159edm\u011btem, kter\u00fd budete neust\u00e1le pou\u017e\u00edvat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nezapome\u0148te proto kartu pou\u017e\u00edvat pouze jako platebn\u00ed prost\u0159edek, nikoli v\u0161ak jako jedin\u00fd platebn\u00ed prost\u0159edek.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"10-dica-b%C3%B4nus-tenha-uma-reserva-de-emerg%C3%AAncia-\"><strong>Bonusov\u00fd tip: M\u011bjte nouzov\u00fd fond<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? (Imagem: casal investidor)\"  id=\"17617\" src=\"https:\/\/ucarecdn.com\/3cca720c-e147-462a-9399-8a18dd25fc4c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak pou\u017e\u00edvat kreditn\u00ed kartu, ani\u017e byste se zadlu\u017eili? (Obr\u00e1zek: investorsk\u00fd p\u00e1r)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Chcete-li uzav\u0159\u00edt na\u0161e tipy s rozmachem, posledn\u00edm tipem je pro v\u00e1s m\u00edt nouzov\u00fd fond.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ji\u017e v jin\u00fdch p\u0159\u00edsp\u011bvc\u00edch jsme se zm\u00ednili o d\u016fle\u017eitosti nouzov\u00fdch rezerv, co\u017e nen\u00ed nic jin\u00e9ho, ne\u017e m\u00edt ulo\u017een\u00e9 pen\u00edze pro nal\u00e9hav\u00e9 a nouzov\u00e9 situace.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mezi tyto situace m\u016f\u017eeme uv\u00e9st: Ztr\u00e1ta zam\u011bstn\u00e1n\u00ed; nepl\u00e1novan\u00e9 t\u011bhotenstv\u00ed; rozvod; nemoc; mimo jin\u00e9 smrt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Za jak\u00fdchkoli finan\u010dn\u00edch okolnost\u00ed se tedy doporu\u010duje ponechat si rezervu, i kdy\u017e je mal\u00e1, pro situace, kter\u00e9 jste nepl\u00e1novali.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>V tomto p\u0159\u00edpad\u011b m\u016f\u017eete za\u010d\u00edt s minim\u00e1ln\u00edmi spl\u00e1tkami R$100 a s p\u0159\u00edjmem budete moci v budoucnu z\u00edskat velkou pomoc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nechejte si proto rezervu, ale p\u0159edev\u0161\u00edm si p\u011bstujte \u0159\u00edzen\u00fd finan\u010dn\u00ed \u017eivot, a\u0165 v\u00e1s p\u0159i pou\u017e\u00edv\u00e1n\u00ed kreditn\u00ed karty ne\u010dekaj\u00ed necht\u011bn\u00e1 p\u0159ekvapen\u00ed.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1AXBXI\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak prov\u00e9st nouzovou rezervaci?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/358a3297-28d8-4ed3-b99f-3b7727e078d0\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak prov\u00e9st nouzovou rezervaci?\">\n            Jak prov\u00e9st nouzovou rezervaci? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Stali jste se rukojm\u00edm kreditn\u00ed karty a u\u017e nev\u00edte, co d\u011blat, abyste se nezadlu\u017eili? Tak\u017ee pokra\u010dujte ve \u010dten\u00ed, pom\u016f\u017eeme v\u00e1m to pou\u017e\u00edvat, ani\u017e byste se je\u0161t\u011b v\u00edce zadlu\u017eili!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25,38,19],"tags":[179,219,220,221],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Voc\u00ea sabe como utilizar o cart\u00e3o de cr\u00e9dito sem se endividar? 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