{"id":10217,"date":"2025-05-19T13:20:32","date_gmt":"2025-05-19T11:20:32","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10217"},"modified":"2025-05-19T13:20:33","modified_gmt":"2025-05-19T11:20:33","slug":"aky-je-rozdiel-medzi-kreditnou-a-debetnou-kartou-a-ktoru-si-vybrat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/aky-je-rozdiel-medzi-kreditnou-a-debetnou-kartou-a-ktoru-si-vybrat\/","title":{"rendered":"Ak\u00fd je rozdiel medzi kreditnou a debetnou  kartou a ktor\u00fa si vybra\u0165?"},"content":{"rendered":"\n<p><strong>Na prv\u00fd poh\u013ead vyzeraj\u00fa rovnako, no sp\u00f4sob, ak\u00fdm funguj\u00fa, sa v\u00fdrazne l\u00ed\u0161i. Viete, kedy siahnu\u0165 po kreditnej a kedy po debetnej karte? Ako ich pou\u017e\u00edva\u0165, aby ste nepri\u0161li o peniaze a nezadl\u017eili sa? Porad\u00edme v\u00e1m, ako si vybra\u0165 spr\u00e1vne a \u010do v\u0161etko by ste mali vedie\u0165 o ich pou\u017e\u00edvan\u00ed.<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>\u010co je debetn\u00e1 karta a ako funguje?<\/strong><\/h2>\n\n\n\n<p>Debetn\u00e1 karta je naj\u010dastej\u0161\u00edm typom platobnej karty. Je prepojen\u00e1 s va\u0161\u00edm be\u017en\u00fdm \u00fa\u010dtom a pri platb\u00e1ch \u010derp\u00e1te len vlastn\u00e9 prostriedky. Pri ka\u017edej platbe sa suma okam\u017eite strhne z v\u00e1\u0161ho \u00fa\u010dtu, \u010do zabezpe\u010duje okam\u017eit\u00e9 z\u00fa\u010dtovanie transakcie.&nbsp;<\/p>\n\n\n\n<p>M\u00f4\u017eete ju vyu\u017e\u00edva\u0165 na platby v obchodoch, online n\u00e1kupy alebo v\u00fdbery hotovosti z bankomatu. V pr\u00edpade potreby m\u00f4\u017ee by\u0165 karta prepojen\u00e1 aj na povolen\u00e9 pre\u010derpanie, tzv. kontokorent, ktor\u00fd v\u00e1m poskytne kr\u00e1tkodob\u00fd finan\u010dn\u00fd vank\u00fa\u0161.&nbsp;<\/p>\n\n\n\n<p>Debetn\u00e1 karta je ide\u00e1lna na ka\u017edodenn\u00e9 v\u00fddavky ako n\u00e1kup potrav\u00edn, cestovanie MHD \u010di platbu n\u00e1jomn\u00e9ho. Jej ve\u013ekou v\u00fdhodou je, \u017ee m\u00ed\u0148ate len to, \u010do na \u00fa\u010dte naozaj m\u00e1te, tak\u017ee pri zodpovednom pou\u017e\u00edvan\u00ed nehroz\u00ed riziko zadl\u017eenia.<\/p>\n\n\n\n<p>Viacer\u00e9 banky motivuj\u00fa svojich klientov, aby \u010do najviac platili be\u017enou debetnou kartou. T\u00ed tak m\u00f4\u017eu napr\u00edklad z\u00edska\u0165 tzv. cashback, \u010di\u017ee v\u00e1m banka z ka\u017edej platby prip\u00ed\u0161e ist\u00e9 % zo zaplatenej sumy sp\u00e4\u0165 na \u00fa\u010det.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ako funguje kreditn\u00e1 karta?<\/strong><\/h2>\n\n\n\n<p>Pri kreditnej karte ne\u010derp\u00e1te vlastn\u00e9 \u00faspory, ale vyu\u017e\u00edvate peniaze, ktor\u00e9 v\u00e1m poskytne banka formou \u00faveru. Znamen\u00e1 to, \u017ee v\u00e1m banka schv\u00e1li ur\u010dit\u00fd finan\u010dn\u00fd r\u00e1mec \u2013 napr\u00edklad 1 500 \u20ac, ktor\u00fd m\u00f4\u017eete opakovane vyu\u017e\u00edva\u0165 a spl\u00e1ca\u0165. Ka\u017ed\u00e1 platba realizovan\u00e1 kreditnou kartou ide \u201ena dlh\u201c, teda plat\u00edte peniazmi banky, nie z vlastn\u00e9ho \u00fa\u010dtu.&nbsp;<\/p>\n\n\n\n<p>Ak dlh splat\u00edte v r\u00e1mci bez\u00faro\u010dn\u00e9ho obdobia, ktor\u00e9 zvy\u010dajne trv\u00e1 napr\u00edklad do 45 dn\u00ed, neplat\u00edte \u017eiadne \u00faroky. V pr\u00edpade, \u017ee t\u00fato lehotu nestihnete, nabehn\u00fa v\u00e1m \u00faroky. Z\u00e1rove\u0148 mus\u00edte mesa\u010dne uhradi\u0165 minim\u00e1lnu spl\u00e1tku, ktor\u00fa stanov\u00ed banka<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ako rozpozna\u0165 kreditn\u00fa a debetn\u00fa kartu?<\/strong><\/h2>\n\n\n\n<p>Hoci vyzeraj\u00fa rovnako, rozdiel je v detailoch:<\/p>\n\n\n\n<ul>\n<li><strong>Debetn\u00e1 karta<\/strong>: zvy\u010dajne b\u00fdva ozna\u010den\u00e1 slovom \u201eDEBIT\u201c, peniaze sa strh\u00e1vaj\u00fa priamo z v\u00e1\u0161ho \u00fa\u010dtu.<\/li>\n\n\n\n<li><strong>Kreditn\u00e1 karta<\/strong>: zvy\u010dajne ozna\u010den\u00e1 ako \u201eCREDIT\u201c, ide o \u00faverov\u00fd produkt schva\u013eovan\u00fd bankou.<\/li>\n<\/ul>\n\n\n\n<p>Ak m\u00e1te pochybnosti, overte si typ karty vo svojej bankovej aplik\u00e1cii alebo sa informujte priamo v pobo\u010dke.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>V\u00fdhody kreditnej karty<\/strong><\/h2>\n\n\n\n<p><strong>Cashback a vernostn\u00e9 programy<\/strong><br>Jednou z najatrakt\u00edvnej\u0161\u00edch v\u00fdhod kreditnej karty je mo\u017enos\u0165 z\u00edska\u0165 odmeny za ka\u017edodenn\u00e9 n\u00e1kupy. M\u00f4\u017ee \u00eds\u0165 o priame vr\u00e1tenie \u010dasti zaplatenej sumy (cashback), z\u013eavy u obchodn\u00fdch partnerov alebo zbieranie bodov v r\u00e1mci vernostn\u00fdch programov, ktor\u00e9 m\u00f4\u017eete nesk\u00f4r vyu\u017ei\u0165 na z\u013eavy \u010di dar\u010deky.<\/p>\n\n\n\n<p><strong>\u0160irok\u00e9 spektrum poisten\u00ed<\/strong><br>Mnoh\u00e9 kreditn\u00e9 karty obsahuj\u00fa automaticky poistenie, ako napr\u00edklad:<\/p>\n\n\n\n<ul>\n<li>cestovn\u00e9 poistenie (platn\u00e9 aj pre spolucestuj\u00facich),<\/li>\n\n\n\n<li>poistenie n\u00e1kupov (chr\u00e1ni tovar pred po\u0161koden\u00edm, stratou \u010di kr\u00e1de\u017eou),<\/li>\n\n\n\n<li>poistenie pred\u013a\u017eenej z\u00e1ruky,<\/li>\n\n\n\n<li>poistenie zneu\u017eitia karty (napr. po jej strate \u010di kr\u00e1de\u017ei),<\/li>\n\n\n\n<li>pr\u00e1vna asistencia pri reklam\u00e1ci\u00e1ch.<\/li>\n<\/ul>\n\n\n\n<p><strong>Bezpe\u010dnej\u0161ie online nakupovanie<\/strong><br>Platby kreditnou kartou s\u00fa v pr\u00edpade probl\u00e9mov \u2013 ako je nedoru\u010den\u00fd tovar alebo podvodn\u00fd predajca \u2013 \u010dasto lep\u0161ie rie\u0161ite\u013en\u00e9. M\u00f4\u017eete po\u017eiada\u0165 o tzv. chargeback, teda vr\u00e1tenie pe\u0148az\u00ed.<\/p>\n\n\n\n<p><strong>Rezerv\u00e1cie hotelov bez blokovania vlastn\u00fdch pe\u0148az\u00ed<\/strong><br>Hotely si pri rezerv\u00e1ci\u00e1ch \u010dasto blokuj\u00fa ur\u010dit\u00fa sumu ako z\u00e1lohu. Pri debetnej karte sa suma zablokuje z va\u0161ich pe\u0148az\u00ed, zatia\u013e \u010do kreditn\u00e1 karta umo\u017e\u0148uje blokova\u0165 peniaze banky \u2013 v\u00e1\u0161 vlastn\u00fd \u00fa\u010det tak ost\u00e1va nedotknut\u00fd.<\/p>\n\n\n\n<p><strong>V\u00fdhodnej\u0161ie po\u017ei\u010danie auta v zahrani\u010d\u00ed<\/strong><br>Autopo\u017ei\u010dovne \u010dasto akceptuj\u00fa len kreditn\u00e9 karty ako z\u00e1lohu. Kreditka je teda \u010dasto jedinou mo\u017enos\u0165ou, ako si zabezpe\u010di\u0165 auto na dovolenke alebo pracovnej ceste.<\/p>\n\n\n\n<p><strong>Finan\u010dn\u00e1 rezerva pri ne\u010dakan\u00fdch v\u00fddavkoch<\/strong><br>Kreditn\u00e1 karta v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 preklen\u00fa\u0165 kr\u00e1tkodob\u00e9 v\u00fdpadky pr\u00edjmu alebo ne\u010dakan\u00e9 v\u00fddavky bez toho, aby ste siahli na \u00faspory. Napr\u00edklad pri pokazenom spotrebi\u010di alebo neo\u010dak\u00e1vanom v\u00fddavku pred v\u00fdplatou.<\/p>\n\n\n\n<p><strong>Flexibilita a opakovan\u00e9 \u010derpanie<\/strong><br>Kreditn\u00fa kartu v\u00e1m banka schv\u00e1li raz a n\u00e1sledne ju m\u00f4\u017eete pou\u017e\u00edva\u0165 neust\u00e1le. Sta\u010d\u00ed splati\u0165 \u010das\u0165 alebo cel\u00fd dlh a m\u00f4\u017eete znova \u010derpa\u0165 \u2013 bez potreby novej \u017eiadosti.<\/p>\n\n\n\n<p><strong><em>Potrebovali by ste u\u0161etri\u0165 viac pe\u0148az\u00ed? Pre\u010d\u00edtajte si blog <a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-o-rodinnom-rozpocte-a-financnom-planovani\/\">10 r\u00e1d o rodinnom rozpo\u010dte a finan\u010dnom pl\u00e1novan\u00ed<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Rizik\u00e1 kreditnej karty<\/strong><\/h2>\n\n\n\n<ul>\n<li>Vysok\u00e9 \u00faroky mimo bez\u00faro\u010dn\u00e9ho obdobia<\/li>\n\n\n\n<li>Poku\u0161enie m\u00ed\u0148a\u0165 viac, ne\u017e si m\u00f4\u017eete dovoli\u0165<\/li>\n\n\n\n<li>Zadl\u017eovanie \u2013 najm\u00e4 pri platbe len minim\u00e1lnych spl\u00e1tok<\/li>\n\n\n\n<li>Poplatky \u2013 za kartu, v\u00fdbery z bankomatov, oneskoren\u00e9 platby<\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Tipy a triky, ako pou\u017e\u00edva\u0165 kreditn\u00fa kartu bezpe\u010dne<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Nastavte si upozornenia a limity<\/strong> \u2013 budete ma\u0165 preh\u013ead o v\u00fddavkoch.<\/li>\n\n\n\n<li><strong>Spla\u0165te cel\u00fd zostatok na\u010das<\/strong> \u2013 vyhnete sa \u00farokom.<\/li>\n\n\n\n<li><strong>Pou\u017e\u00edvajte kreditku len na v\u00e4\u010d\u0161ie a pl\u00e1novan\u00e9 v\u00fddavky<\/strong>, nie na ka\u017edodenn\u00e9 platby.<\/li>\n\n\n\n<li><strong>Neberte kreditku ako \u201ez\u00e1robok\u201c<\/strong>, ale ako rezervu pre v\u00fdnimo\u010dn\u00e9 situ\u00e1cie.<\/li>\n\n\n\n<li><strong>Zv\u00e1\u017ete pou\u017eitie kreditky na online n\u00e1kupy alebo cestovanie<\/strong> \u2013 b\u00fdva lep\u0161ie chr\u00e1nen\u00e1.<\/li>\n\n\n\n<li><strong>Vyu\u017e\u00edvajte odmeny<\/strong> \u2013 zbierajte body, z\u00edskajte cashback alebo vstupy do letiskov\u00fdch sal\u00f3nikov.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Potrebujete v\u00f4bec e\u0161te plastov\u00fa kreditn\u00fa \u010di debetn\u00fa kartu?<\/strong><\/h2>\n\n\n\n<p>Fyzick\u00e1 karta dnes u\u017e \u010dasto nie je nevyhnutn\u00e1, preto\u017ee v\u010faka digit\u00e1lnym pe\u0148a\u017eenk\u00e1m, ako s\u00fa Google Pay alebo Apple Pay, m\u00f4\u017eete pohodlne plati\u0165 mobilom \u010di inteligentn\u00fdmi hodinkami. Napriek tomu v\u0161ak existuj\u00fa situ\u00e1cie, kedy sa plastov\u00e1 karta st\u00e1le z\u00edde.<\/p>\n\n\n\n<p>V zahrani\u010d\u00ed ju m\u00f4\u017eete potrebova\u0165 pri platb\u00e1ch v hoteloch alebo pri pren\u00e1jme auta, kde mnoh\u00e9 zariadenia akceptuj\u00fa len fyzick\u00fa kreditku. Rovnako ju ocen\u00edte ako z\u00e1lo\u017en\u00e9 rie\u0161enie v pr\u00edpade, \u017ee strat\u00edte mobil alebo sa v\u00e1m vybije bat\u00e9ria. Praktick\u00e1 je aj pri v\u00fdbere hotovosti z bankomatu, ke\u010f\u017ee nie ka\u017ed\u00fd bankomat umo\u017e\u0148uje v\u00fdber prostredn\u00edctvom virtu\u00e1lnej karty v mobile.<\/p>\n\n\n\n<p><strong><em>Plat\u00edte kartou na dovolenke? V tom pr\u00edpade si pre\u010d\u00edtajte blog <a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-ako-usetrit-pri-platbach-kartou-v-zahranici\/\">7 r\u00e1d, ako u\u0161etri\u0165 pri platb\u00e1ch kartou v zahrani\u010d\u00ed.<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Bezpe\u010dnos\u0165 a poistenie platobnej karty<\/strong><\/h2>\n\n\n\n<p>Kreditka, ale i debetn\u00e1 karta s\u00fa \u010dast\u00fdm cie\u013eom podvodn\u00edkov. Ako sa chr\u00e1ni\u0165?<\/p>\n\n\n\n<ul>\n<li><strong>Nikdy nezdie\u013eajte PIN<\/strong> <strong>ani CVV k\u00f3d<\/strong>.<\/li>\n\n\n\n<li><strong>Aktivujte si notifik\u00e1cie o platb\u00e1ch<\/strong> \u2013 m\u00e1te kontrolu v re\u00e1lnom \u010dase.<\/li>\n\n\n\n<li><strong>Nastavte si denn\u00e9 a mesa\u010dn\u00e9 limity<\/strong> pre platby a v\u00fdbery.<\/li>\n\n\n\n<li><strong>Bu\u010fte obozretn\u00ed pri online platb\u00e1ch<\/strong> \u2013 pou\u017e\u00edvajte len overen\u00e9 str\u00e1nky.<\/li>\n\n\n\n<li><strong>V pr\u00edpade podozrenia kartu okam\u017eite zablokujte.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Mo\u017enosti poistenia zneu\u017eitia karty:<\/p>\n\n\n\n<ul>\n<li><strong>Poistenie proti kr\u00e1de\u017ei alebo strate karty<\/strong> \u2013 chr\u00e1ni v\u00e1s pred neopr\u00e1vnen\u00fdm pou\u017eit\u00edm,<\/li>\n\n\n\n<li><strong>Poistenie n\u00e1kupov<\/strong> \u2013 pokr\u00fdva po\u0161koden\u00fd, straten\u00fd \u010di ukradnut\u00fd tovar zaplaten\u00fd kartou,<\/li>\n\n\n\n<li><strong>Poistenie pred\u013a\u017eenej z\u00e1ruky<\/strong> \u2013 pri vybran\u00fdch produktoch,<\/li>\n\n\n\n<li><strong>Poistenie pr\u00e1vnej ochrany<\/strong> \u2013 u\u017eito\u010dn\u00e9 pri reklam\u00e1ci\u00e1ch alebo sporn\u00fdch platb\u00e1ch.<\/li>\n<\/ul>\n\n\n\n<p>Tieto poistky b\u00fdvaj\u00fa bu\u010f automatickou s\u00fa\u010das\u0165ou karty, alebo si ich m\u00f4\u017eete pripoisti\u0165 za mal\u00fd mesa\u010dn\u00fd poplatok.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Pomoc s v\u00fdberom spr\u00e1vnej karty&nbsp;<\/strong><\/h2>\n\n\n\n<p>Ak ju pou\u017e\u00edvate s rozumom, kreditn\u00e1 karta v\u00e1m poskytne pohodlie, rezervu a v\u00fdhody navy\u0161e. Ak sa v\u0161ak nech\u00e1te zl\u00e1ka\u0165 k impulz\u00edvnemu m\u00ed\u0148aniu, m\u00f4\u017ee sa r\u00fdchlo sta\u0165 cestou k zadl\u017eeniu.&nbsp;<\/p>\n\n\n\n<p>Potrebujete pom\u00f4c\u0165 s v\u00fdberom spr\u00e1vnej karty alebo m\u00e1te ot\u00e1zky k pou\u017e\u00edvaniu \u00faverov\u00fdch produktov? Obr\u00e1\u0165te sa na na\u0161ich finan\u010dn\u00fdch sprostredkovate\u013eov: <a href=\"https:\/\/www.fingo.sk\/kontakty\">https:\/\/www.fingo.sk\/kontakty<\/a><\/p>\n\n\n\n<p><strong><em>Chcete sa dozvedie\u0165 o tom, ako funguj\u00fa finan\u010dn\u00ed sprostredkovatelia? Pre\u010d\u00edtajte si blog <a href=\"https:\/\/www.fingo.sk\/blog\/financny-sprostredkovatel-vam-usetri-cas-aj-peniaze-ako-to-vlastne-funguje\/\">Finan\u010dn\u00fd sprostredkovate\u013e v\u00e1m u\u0161etr\u00ed \u010das aj peniaze<\/a><\/em><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Na prv\u00fd poh\u013ead vyzeraj\u00fa rovnako, no sp\u00f4sob, ak\u00fdm funguj\u00fa, sa v\u00fdrazne l\u00ed\u0161i. Viete, kedy siahnu\u0165 po kreditnej a kedy po debetnej karte? Ako ich pou\u017e\u00edva\u0165, aby ste nepri\u0161li o peniaze a nezadl\u017eili sa? Porad\u00edme v\u00e1m, ako si vybra\u0165 spr\u00e1vne a \u010do v\u0161etko by ste mali vedie\u0165 o ich pou\u017e\u00edvan\u00ed. \u010co je debetn\u00e1 karta a ako funguje? Debetn\u00e1 karta je naj\u010dastej\u0161\u00edm typom platobnej karty. Je prepojen\u00e1 s va\u0161\u00edm be\u017en\u00fdm \u00fa\u010dtom a pri platb\u00e1ch \u010derp\u00e1te len vlastn\u00e9 prostriedky. Pri ka\u017edej platbe sa suma okam\u017eite strhne z v\u00e1\u0161ho \u00fa\u010dtu, \u010do zabezpe\u010duje okam\u017eit\u00e9 z\u00fa\u010dtovanie transakcie.&nbsp; M\u00f4\u017eete ju vyu\u017e\u00edva\u0165 na platby v obchodoch, online n\u00e1kupy alebo v\u00fdbery hotovosti z bankomatu. V pr\u00edpade potreby m\u00f4\u017ee by\u0165 karta prepojen\u00e1 aj na povolen\u00e9 pre\u010derpanie, tzv. kontokorent, ktor\u00fd v\u00e1m poskytne kr\u00e1tkodob\u00fd finan\u010dn\u00fd vank\u00fa\u0161.&nbsp; Debetn\u00e1 karta je ide\u00e1lna na ka\u017edodenn\u00e9 v\u00fddavky ako n\u00e1kup potrav\u00edn, cestovanie MHD \u010di platbu n\u00e1jomn\u00e9ho. Jej ve\u013ekou v\u00fdhodou je, \u017ee m\u00ed\u0148ate len to, \u010do na \u00fa\u010dte naozaj m\u00e1te, tak\u017ee pri zodpovednom pou\u017e\u00edvan\u00ed nehroz\u00ed riziko zadl\u017eenia. Viacer\u00e9 banky motivuj\u00fa svojich klientov, aby \u010do najviac platili be\u017enou debetnou kartou. T\u00ed tak m\u00f4\u017eu napr\u00edklad z\u00edska\u0165 tzv. cashback, \u010di\u017ee v\u00e1m banka z ka\u017edej platby prip\u00ed\u0161e ist\u00e9 % zo zaplatenej sumy sp\u00e4\u0165 na \u00fa\u010det. Ako funguje kreditn\u00e1 karta? Pri kreditnej karte [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":10222,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[301,182],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ak\u00fd je rozdiel medzi kreditnou a debetnou kartou a ktor\u00fa si vybra\u0165? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Zistite, ak\u00fd je rozdiel medzi kreditnou a debetnou kartou. 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