[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cajovinka.cz\/platba-bezkontaktni-kartou-muze-nekdy-vyzadovat-pin\/#Article","mainEntityOfPage":"https:\/\/www.cajovinka.cz\/platba-bezkontaktni-kartou-muze-nekdy-vyzadovat-pin\/","headline":"Platba bezkontaktn\u00ed kartou m\u016f\u017ee n\u011bkdy vy\u017eadovat PIN","name":"Platba bezkontaktn\u00ed kartou m\u016f\u017ee n\u011bkdy vy\u017eadovat PIN","description":"Banky maj\u00ed intern\u00ed p\u0159edpisy, kter\u00fdmi se sna\u017e\u00ed co nejv\u00edce p\u0159edch\u00e1zet zneu\u017eit\u00ed platebn\u00edch karet, proto sleduj\u00ed […]","datePublished":"2025-02-26","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.cajovinka.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cajovinka.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9478c3014fb8763e2a18691ad6bf83eff86429738afad80df8227ac472865e36?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9478c3014fb8763e2a18691ad6bf83eff86429738afad80df8227ac472865e36?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cajovinka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cajovinka.cz\/wp-content\/uploads\/img_a309949_w2063_t1520930027.jpg","url":"https:\/\/www.cajovinka.cz\/wp-content\/uploads\/img_a309949_w2063_t1520930027.jpg","height":0,"width":0},"url":"https:\/\/www.cajovinka.cz\/platba-bezkontaktni-kartou-muze-nekdy-vyzadovat-pin\/","wordCount":460,"articleBody":"Banky maj\u00ed intern\u00ed p\u0159edpisy, kter\u00fdmi se sna\u017e\u00ed co nejv\u00edce p\u0159edch\u00e1zet zneu\u017eit\u00ed platebn\u00edch karet, proto sleduj\u00ed po\u010det za sebou jdouc\u00edch plateb do 500 K\u010d nebo objem uskute\u010dn\u011bn\u00fdch transakc\u00ed apod.Jde o ochranu majitele \u00fa\u010dtu a jeho karty. Pokud dojde k p\u0159ekro\u010den\u00ed limit\u016f, mus\u00ed plat\u00edc\u00ed zadat PIN i p\u0159i platb\u011b do 500 K\u010d.Mnoho klient\u016f m\u00e1 strach ze ztr\u00e1ty karty nebo z jej\u00edho zneu\u017eit\u00ed a banky se sna\u017e\u00ed tyto rizika co nejv\u00edce eliminovat. Bezkontaktn\u00ed kartu m\u00e1 v pen\u011b\u017eence 92% \u010cech\u016f.\u00a0Neopr\u00e1vn\u011bn\u00e9 platby m\u016f\u017ee zastavit v\u010dasn\u00e1 blokace karty, ale je dobr\u00e9 m\u00edt kartu i poji\u0161t\u011bnou.Navzdory obav\u00e1m je v\u0161ak mal\u00fd po\u010det lid\u00ed, kte\u0159\u00ed poji\u0161t\u011bn\u00ed jsou. Nej\u010dast\u011bji jde o osoby ve v\u011bku 18 a\u017e 24 let. Nejopatrn\u011bj\u0161\u00ed jsou lid\u00e9 od 55 let, kte\u0159\u00ed si poji\u0161t\u011bn\u00ed zneu\u017eit\u00ed sjedn\u00e1vaj\u00ed nej\u010dast\u011bji a d\u00edky tomu se nemus\u00ed a\u017e tolik ob\u00e1vat.\u00a0Mimo platebn\u00edch karet jsou u n\u011bkter\u00fdch bank k dispozici i platebn\u00ed n\u00e1lepky, kter\u00e9 se v\u0161ak zat\u00edm neodrazily na popularit\u011b kreditn\u00edch karet. Nejv\u00edce je obl\u00edben\u00e1 platba bezkontaktn\u00ed kartou u mlad\u00fdch lid\u00ed do 24 let ( 83 % ).\u00a0\u010ce\u0161i v\u011bt\u0161inou ji\u017e hotovost\u00ed neplat\u00ed, t\u00e9m\u011b\u0159 ka\u017ed\u00fd plat\u00ed p\u00edpnut\u00edm. Charakteristick\u00fdm p\u00edp\u00e1n\u00edm ji\u017e plat\u00ed i mal\u00e9 n\u00e1kupy, proto\u017ee si uv\u011bdomuj\u00ed benefity platebn\u00edch karet. Bezhotovostn\u011b ji\u017e plat\u00ed 88 % ob\u010dan\u016f, tak\u017ee 9 z 10 lid\u00ed. Nej\u010dast\u011bj\u0161\u00ed platby kartou jsou zaznamen\u00e1v\u00e1ny u osob do 45 let s vy\u0161\u0161\u00edm vzd\u011bl\u00e1n\u00edm.\u00a0Platby kartami jsou hodn\u011b popul\u00e1rn\u00ed, proto\u017ee v jednoduchosti je s\u00edla. Nemus\u00edte hledat drobn\u00e9 po kaps\u00e1ch a zdr\u017eovat se, jednodu\u0161e p\u00edpnete a m\u00e1te hotovo.\u00a0D\u00edky t\u011bmto skute\u010dnostem kles\u00e1 pod\u00edl v\u00fdb\u011br\u016f z bankomatu. Bank\u00e9\u0159i sleduj\u00ed trend vyb\u00edr\u00e1n\u00ed m\u00e9n\u011b \u010dasto, za to v\u0161ak v\u011bt\u0161\u00ed obnos najednou. Pokles byl zaznamen\u00e1n i u tzv. cash backu, tedy v\u00fdb\u011bru pen\u011bz p\u0159\u00edmo na pokladn\u011b u obchodn\u00edk\u016f.\u00a0Kreditn\u00ed karta je dnes ned\u00edlnou sou\u010d\u00e1st\u00ed \u017eivotn\u00edho stylu a plat\u00edme s n\u00ed v\u0161ude – nejv\u00edce utr\u00e1c\u00edme za potraviny, v restauraci, l\u00e9k\u00e1rn\u011b a ka\u017ed\u00fdm rokem obl\u00edbenost tohoto trendu roste.\u00a0Dal\u0161\u00edm faktem je to, \u017ee mu\u017ei pou\u017e\u00edvaj\u00ed platebn\u00ed karty \u00fapln\u011b jinak ne\u017e \u017eeny. Mu\u017ei utr\u00e1c\u00ed hodn\u011b za hygienick\u00e9 prost\u0159edky, pohonn\u00e9 hmoty, ubytov\u00e1n\u00ed nebo potraviny. \u017deny utr\u00e1c\u00ed p\u0159ev\u00e1\u017en\u011b v drogeri\u00edch ( 77 % jsou z\u00e1kaznice ), d\u00e1le za oble\u010den\u00ed, drobn\u00e9 d\u00e1re\u010dky, knihy a \u0161perky.                                                                                                                                                                                                                                                                                                                                                                                                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