{"id":737,"date":"2026-03-12T23:10:33","date_gmt":"2026-03-12T23:10:33","guid":{"rendered":"https:\/\/likapk.com\/commerzbank-credit-card-what-banks-check-before-approving-you\/737\/"},"modified":"2026-03-12T23:10:33","modified_gmt":"2026-03-12T23:10:33","slug":"commerzbank-credit-card-what-banks-check-before-approving-you","status":"publish","type":"post","link":"https:\/\/likapk.com\/cs\/commerzbank-credit-card-what-banks-check-before-approving-you\/737\/","title":{"rendered":"Kreditn\u00ed karta Commerzbank: Co banky kontroluj\u00ed p\u0159ed schv\u00e1len\u00edm"},"content":{"rendered":"<p>Z\u00edsk\u00e1n\u00ed schv\u00e1len\u00ed pro <strong>Kreditn\u00ed karta Commerzbank<\/strong> z\u00e1vis\u00ed na \u0159ad\u011b faktor\u016f, kter\u00e9 banka pe\u010dliv\u011b vyhodnocuje. Pochopen\u00ed toho, co <a href=\"https:\/\/www.commerzbank.com\" target=\"_blank\" rel=\"noopener\">Commerzbank<\/a> hled\u00e1n\u00ed m\u016f\u017ee v\u00fdrazn\u011b zv\u00fd\u0161it va\u0161e \u0161ance na schv\u00e1len\u00ed a pomoci v\u00e1m zajistit lep\u0161\u00ed \u00fav\u011brov\u00e9 podm\u00ednky.<\/p>\n<p>A\u0165 u\u017e \u017e\u00e1d\u00e1te o svou prvn\u00ed kartu, nebo si vkl\u00e1d\u00e1te pen\u00edze do pen\u011b\u017eenky, znalost krit\u00e9ri\u00ed pro schv\u00e1len\u00ed je d\u016fle\u017eit\u00e1. Commerzbank, stejn\u011b jako v\u011bt\u0161ina evropsk\u00fdch vydavatel\u016f, dodr\u017euje p\u0159\u00edsn\u00e9 protokoly hodnocen\u00ed, aby minimalizovala riziko a zajistila zodpov\u011bdn\u00e9 \u00fav\u011brov\u00e9 praktiky.<\/p>\n<h2>Hodnocen\u00ed \u00fav\u011brov\u00e9 historie a sk\u00f3re SCHUFA<\/h2>\n<p>V\u00e1\u0161 <strong>Sk\u00f3re SCHUFA<\/strong> hraje nejd\u016fle\u017eit\u011bj\u0161\u00ed roli v rozhodovac\u00edm procesu Commerzbank. Toto sk\u00f3re n\u011bmeck\u00e9ho \u00fav\u011brov\u00e9ho registru odr\u00e1\u017e\u00ed va\u0161i platebn\u00ed historii, st\u00e1vaj\u00edc\u00ed dluhy a celkovou \u00fav\u011bruschopnost na stupnici, kter\u00e9 banky implicitn\u011b d\u016fv\u011b\u0159uj\u00ed.<\/p>\n<p>Commerzbank obvykle vy\u017eaduje pro schv\u00e1len\u00ed standardn\u00ed kreditn\u00ed karty sk\u00f3re SCHUFA vy\u0161\u0161\u00ed ne\u017e 95%. Ni\u017e\u0161\u00ed sk\u00f3re m\u016f\u017ee v\u00e9st k zam\u00edtnut\u00ed nebo k nutnosti po\u017e\u00e1dat o zabezpe\u010den\u00e9 karty s po\u017eadavkem na vklad.<\/p>\n<h2>Ov\u011b\u0159ov\u00e1n\u00ed p\u0159\u00edjm\u016f a stabilita zam\u011bstn\u00e1n\u00ed<\/h2>\n<p>Prokazov\u00e1n\u00ed st\u00e1l\u00e9ho p\u0159\u00edjmu je nezbytn\u00e9 pro <strong>schv\u00e1len\u00ed kreditn\u00ed karty<\/strong>. Commerzbank vy\u017eaduje doklad o pravideln\u00fdch p\u0159\u00edjmech, obvykle prost\u0159ednictv\u00edm ned\u00e1vn\u00fdch v\u00fdplatn\u00edch p\u00e1sek, pracovn\u00edch smluv nebo da\u0148ov\u00fdch p\u0159izn\u00e1n\u00ed u uchaze\u010d\u016f samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdch.<\/p>\n<p>Stabilita zam\u011bstn\u00e1n\u00ed je velmi d\u016fle\u017eit\u00e1. Banka preferuje uchaze\u010de s alespo\u0148 \u0161estim\u011bs\u00ed\u010dn\u00ed prax\u00ed v sou\u010dasn\u00e9m zam\u011bstn\u00e1n\u00ed, a\u010dkoli del\u0161\u00ed pracovn\u00ed doba zna\u010dn\u011b posiluje va\u0161i \u017e\u00e1dost a m\u016f\u017ee v\u00e1s kvalifikovat k vy\u0161\u0161\u00edm \u00fav\u011brov\u00fdm limit\u016fm.<\/p>\n<h2>Posouzen\u00ed pom\u011bru dluhu k p\u0159\u00edjmu<\/h2>\n<p>V\u00e1\u0161 <strong>pom\u011br dluhu k p\u0159\u00edjmu<\/strong> ukazuje, jak\u00e1 \u010d\u00e1st va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu jde na st\u00e1vaj\u00edc\u00ed z\u00e1vazky. Commerzbank to vypo\u010d\u00edt\u00e1 vyd\u011blen\u00edm celkov\u00fdch m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek dluhu va\u0161\u00edm hrub\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem.<\/p>\n<p>Pom\u011br pod 40% je obecn\u011b p\u0159\u00edzniv\u00fd pro schv\u00e1len\u00ed. Vy\u0161\u0161\u00ed pom\u011bry signalizuj\u00ed finan\u010dn\u00ed z\u00e1t\u011b\u017e a mohou v\u00e9st k ni\u017e\u0161\u00edm \u00fav\u011brov\u00fdm limit\u016fm nebo \u00fapln\u00e9mu zam\u00edtnut\u00ed, zejm\u00e9na v kombinaci s margin\u00e1ln\u00edm kreditn\u00edm sk\u00f3re.<\/p>\n<h2>Po\u017eadavky na v\u011bk a trval\u00fd pobyt<\/h2>\n<p>\u017dadatel\u00e9 mus\u00ed b\u00fdt star\u0161\u00ed 18 let a m\u00edt povolen\u00ed k pobytu v N\u011bmecku. Commerzbank vy\u017eaduje registrovanou adresu v N\u011bmecku a obvykle po\u017eaduje doklady prokazuj\u00edc\u00ed stabilitu va\u0161eho bydli\u0161t\u011b.<\/p>\n<p>Dlouhodob\u00fd pobyt v\u00fdrazn\u011b posiluje va\u0161i \u017e\u00e1dost. Nov\u00ed rezidenti mohou \u010delit dodate\u010dn\u00e9 kontrole nebo mus\u00ed poskytnout rozs\u00e1hlej\u0161\u00ed dokumentaci, v\u010detn\u011b povolen\u00ed k pobytu a dokladu o m\u00edstn\u00edch vazb\u00e1ch.<\/p>\n<h2>St\u00e1vaj\u00edc\u00ed bankovn\u00ed vztah s Commerzbank<\/h2>\n<p>M\u00edt zaveden\u00fd vztah s <a href=\"https:\/\/www.commerzbank.de\/en\/main\/personal-customers\/accounts-and-cards\/credit-cards\/credit-cards.html\" target=\"_blank\" rel=\"noopener\">Commerzbank<\/a> m\u016f\u017ee zv\u00fd\u0161it \u0161ance na schv\u00e1len\u00ed. Majitel\u00e9 b\u011b\u017en\u00fdch \u00fa\u010dt\u016f s pozitivn\u00ed histori\u00ed transakc\u00ed \u010dasto dost\u00e1vaj\u00ed b\u011bhem procesu \u017e\u00e1dosti p\u0159ednostn\u00ed zach\u00e1zen\u00ed.<\/p>\n<p>Pravideln\u00e9 vklady, konzistentn\u00ed spo\u0159en\u00ed a zodpov\u011bdn\u00e1 spr\u00e1va \u00fa\u010dtu prokazuj\u00ed finan\u010dn\u00ed spolehlivost. Tyto faktory mohou kompenzovat drobn\u00e9 nedostatky v jin\u00fdch oblastech va\u0161eho profilu \u017e\u00e1dosti.<\/p>\n<h2>Vyu\u017eit\u00ed kreditu na st\u00e1vaj\u00edc\u00edch kart\u00e1ch<\/h2>\n<p>Pokud ji\u017e m\u00e1te kreditn\u00ed karty, <strong>vyu\u017eit\u00ed \u00fav\u011bru<\/strong> nesm\u00edrn\u011b z\u00e1le\u017e\u00ed. Commerzbank kontroluje, kolik z va\u0161eho dostupn\u00e9ho \u00fav\u011bru aktu\u00e1ln\u011b vyu\u017e\u00edv\u00e1te na v\u0161ech \u00fa\u010dtech a revolvingov\u00fdch \u00fav\u011brov\u00fdch link\u00e1ch.<\/p>\n<p>Udr\u017eov\u00e1n\u00ed vyu\u017eit\u00ed pod \u00farovn\u00ed 30% signalizuje zodpov\u011bdn\u00e9 hospoda\u0159en\u00ed s \u00fav\u011bry. Vy\u0161\u0161\u00ed vyu\u017eit\u00ed nazna\u010duje finan\u010dn\u00ed z\u00e1t\u011b\u017e, kter\u00e1 m\u016f\u017ee vyvolat obavy o va\u0161i schopnost zodpov\u011bdn\u011b hospoda\u0159it s dal\u0161\u00edmi \u00fav\u011bry, ani\u017e byste se zadlu\u017eili.<\/p>\n<h2>Ned\u00e1vn\u00e9 \u00fav\u011brov\u00e9 dotazy a \u017e\u00e1dosti<\/h2>\n<p>V\u00edce ned\u00e1vn\u00fdch <strong>\u017e\u00e1dosti o \u00fav\u011br<\/strong> m\u016f\u017ee sn\u00ed\u017eit va\u0161e \u0161ance na schv\u00e1len\u00ed. Ka\u017ed\u00e1 \u017e\u00e1dost vyvol\u00e1v\u00e1 n\u00e1ro\u010dn\u00e9 dotazy k va\u0161\u00ed zpr\u00e1v\u011b SCHUFA a p\u0159\u00edli\u0161 mnoho dotaz\u016f v kr\u00e1tk\u00e9m obdob\u00ed je varovn\u00fdm sign\u00e1lem.<\/p>\n<p>Commerzbank interpretuje \u010dast\u00e9 \u017e\u00e1dosti o \u00fav\u011br jako zoufalou touhu po \u00fav\u011bru nebo \u0161patn\u00e9 finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed. Abyste se tomuto negativn\u00edmu sign\u00e1lu vyhnuli, odlo\u017ete \u017e\u00e1dosti o \u00fav\u011br s rozestupem alespo\u0148 t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f, kdykoli je to mo\u017en\u00e9.<\/p>\n<h2>Historie plateb nap\u0159\u00ed\u010d v\u0161emi \u00fa\u010dty<\/h2>\n<p>Va\u0161e historie <strong>v\u010dasn\u00e9 platby<\/strong> Platby za \u00fav\u011bry, energie, n\u00e1jemn\u00e9 a st\u00e1vaj\u00edc\u00ed kreditn\u00ed karty siln\u011b ovliv\u0148uj\u00ed rozhodnut\u00ed o schv\u00e1len\u00ed. I jedin\u00e1 pozdn\u00ed platba m\u016f\u017ee negativn\u011b ovlivnit va\u0161e sk\u00f3re SCHUFA.<\/p>\n<p>Commerzbank si cen\u00ed p\u0159edev\u0161\u00edm d\u016fslednosti. \u017dadatel\u00e9 s bezchybnou platebn\u00ed histori\u00ed po del\u0161\u00ed dobu z\u00edskaj\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, v\u010detn\u011b ni\u017e\u0161\u00edch \u00farokov\u00fdch sazeb a vy\u0161\u0161\u00edch po\u010d\u00e1te\u010dn\u00edch \u00fav\u011brov\u00fdch limit\u016f po schv\u00e1len\u00ed.<\/p>\n<h2>Ro\u010dn\u00ed poplatek a aspekty typu karty<\/h2>\n<p>R\u016fzn\u00e9 kreditn\u00ed karty Commerzbank maj\u00ed r\u016fzn\u00e9 standardy schvalov\u00e1n\u00ed. Pr\u00e9miov\u00e9 karty s vy\u0161\u0161\u00ed <strong>ro\u010dn\u00ed poplatky<\/strong> obvykle vy\u017eaduj\u00ed siln\u011bj\u0161\u00ed \u00fav\u011brov\u00fd profil, vy\u0161\u0161\u00ed \u00farove\u0148 p\u0159\u00edjm\u016f a hlub\u0161\u00ed bankovn\u00ed vztahy s instituc\u00ed.<\/p>\n<p>Standardn\u00ed karty bez ro\u010dn\u00edch poplatk\u016f mohou m\u00edt dostupn\u011bj\u0161\u00ed krit\u00e9ria schvalov\u00e1n\u00ed. \u010casto v\u0161ak zpo\u010d\u00e1tku p\u0159ich\u00e1zej\u00ed s ni\u017e\u0161\u00edmi \u00fav\u011brov\u00fdmi limity, kter\u00e9 m\u016f\u017eete v pr\u016fb\u011bhu \u010dasu zvy\u0161ovat zodpov\u011bdn\u00fdm pou\u017e\u00edv\u00e1n\u00edm.<\/p>\n<h2>Jak zlep\u0161it sv\u00e9 \u0161ance na schv\u00e1len\u00ed<\/h2>\n<p>P\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti si vy\u017e\u00e1dejte zpr\u00e1vu SCHUFA, kter\u00e1 identifikuje a oprav\u00ed p\u0159\u00edpadn\u00e9 chyby. Nep\u0159esn\u00e9 informace mohou nespravedliv\u011b po\u0161kodit va\u0161e sk\u00f3re a v\u00e9st k zbyte\u010dn\u00e9mu zam\u00edtnut\u00ed ze strany Commerzbank nebo jin\u00fdch emitent\u016f.<\/p>\n<p>Spla\u0165te st\u00e1vaj\u00edc\u00ed dluhy, abyste sn\u00ed\u017eili pom\u011br dluhu k p\u0159\u00edjmu. I mal\u00e9 sn\u00ed\u017een\u00ed v\u00e1s m\u016f\u017ee posunout do p\u0159\u00edzniv\u011bj\u0161\u00ed kategorie schv\u00e1len\u00ed a potenci\u00e1ln\u011b v\u00e1s kvalifikovat na lep\u0161\u00ed \u00fav\u011brov\u00e9 podm\u00ednky.<\/p>\n<h2>Budov\u00e1n\u00ed kreditu pro budouc\u00ed aplikace<\/h2>\n<p>Pokud v\u00e1\u0161 sou\u010dasn\u00fd \u00fav\u011brov\u00fd profil nespl\u0148uje standardy Commerzbank, zam\u011b\u0159te se na budov\u00e1n\u00ed siln\u011bj\u0161\u00edch z\u00e1klad\u016f. Otev\u0159ete si z\u00e1kladn\u00ed b\u011b\u017en\u00fd \u00fa\u010det a zodpov\u011bdn\u011b jej spravujte s pravideln\u00fdmi vklady a bez p\u0159e\u010derp\u00e1n\u00ed.<\/p>\n<p>Zva\u017ete mo\u017enosti zaji\u0161t\u011bn\u00fdch \u00fav\u011br\u016f nebo startovac\u00ed karty od jin\u00fdch vydavatel\u016f. Vytvo\u0159en\u00ed pozitivn\u00ed platebn\u00ed historie po dobu \u0161esti a\u017e dvan\u00e1cti m\u011bs\u00edc\u016f v\u00fdrazn\u011b zlep\u0161uje va\u0161e sk\u00f3re SCHUFA a vyhl\u00eddky na budouc\u00ed schv\u00e1len\u00ed.<\/p>\n<h2>Co se stane po pod\u00e1n\u00ed \u017e\u00e1dosti<\/h2>\n<p>Commerzbank obvykle zpracuje \u017e\u00e1dosti b\u011bhem n\u011bkolika pracovn\u00edch dn\u016f. V z\u00e1vislosti na \u00faplnosti va\u0161\u00ed p\u016fvodn\u00ed \u017e\u00e1dosti obdr\u017e\u00edte ozn\u00e1men\u00ed o schv\u00e1len\u00ed, zam\u00edtnut\u00ed nebo \u017e\u00e1dost o dopl\u0148uj\u00edc\u00ed dokumentaci.<\/p>\n<p>Pokud bude schv\u00e1leno, va\u0161e po\u010d\u00e1te\u010dn\u00ed <strong>\u00fav\u011brov\u00fd limit<\/strong> odr\u00e1\u017e\u00ed posouzen\u00ed rizik bankou. Limity za\u010d\u00ednaj\u00ed konzervativn\u011b, ale mohou se podstatn\u011b zv\u00fd\u0161it v d\u016fsledku konzistentn\u00edch v\u010dasn\u00fdch plateb, n\u00edzk\u00e9ho vyu\u017eit\u00ed a pravideln\u00e9 aktivity na \u00fa\u010dtu.<\/p>\n<h2>Pochopen\u00ed zv\u00fd\u0161en\u00ed \u00fav\u011brov\u00e9ho limitu<\/h2>\n<p>Po \u0161esti m\u011bs\u00edc\u00edch zodpov\u011bdn\u00e9ho pou\u017e\u00edv\u00e1n\u00ed karty m\u00e1te n\u00e1rok po\u017e\u00e1dat o <strong>zv\u00fd\u0161en\u00ed \u00fav\u011brov\u00e9ho limitu<\/strong>. Commerzbank tyto \u017e\u00e1dosti vyhodnocuje na z\u00e1klad\u011b historie plateb, vzorc\u016f vyu\u017e\u00edv\u00e1n\u00ed a p\u0159\u00edpadn\u00fdch zm\u011bn ve va\u0161ich p\u0159\u00edjmech.<\/p>\n<p>K automatick\u00e9mu navy\u0161ov\u00e1n\u00ed m\u016f\u017ee doch\u00e1zet ka\u017edoro\u010dn\u011b, pokud si udr\u017e\u00edte vynikaj\u00edc\u00ed platebn\u00ed mor\u00e1lku. Banka odm\u011b\u0148uje zodpov\u011bdn\u00e9 dr\u017eitele karet postupn\u00fdm navy\u0161ov\u00e1n\u00edm limit\u016f, \u010d\u00edm\u017e se \u010dasem sni\u017euje pot\u0159eba form\u00e1ln\u00edch \u017e\u00e1dost\u00ed o nav\u00fd\u0161en\u00ed.<\/p>\n<h2>\u010cast\u00e9 d\u016fvody odm\u00edtnut\u00ed<\/h2>\n<p>N\u00edzk\u00e9 sk\u00f3re SCHUFA p\u0159edstavuje nej\u010dast\u011bj\u0161\u00ed d\u016fvod zam\u00edtnut\u00ed. Sk\u00f3re pod 90% obvykle vede k automatick\u00e9mu zam\u00edtnut\u00ed, pokud nepo\u017e\u00e1d\u00e1te o zabezpe\u010den\u00e9 alternativy karty vy\u017eaduj\u00edc\u00ed z\u00e1lohu.<\/p>\n<p>Nedostate\u010dn\u00fd p\u0159\u00edjem v porovn\u00e1n\u00ed se st\u00e1vaj\u00edc\u00edm dluhem tak\u00e9 vede k zam\u00edtnut\u00ed \u017e\u00e1dosti. Commerzbank mus\u00ed ov\u011b\u0159it, zda si m\u016f\u017eete dovolit dodate\u010dn\u00fd \u00fav\u011br bez finan\u010dn\u00ed z\u00e1t\u011b\u017ee, co\u017e ochr\u00e1n\u00ed ob\u011b strany p\u0159ed neudr\u017eiteln\u00fdm hromad\u011bn\u00edm dluh\u016f.<\/p>\n<h2>Alternativn\u00ed mo\u017enosti v p\u0159\u00edpad\u011b zam\u00edtnut\u00ed<\/h2>\n<p>Pokud Commerzbank va\u0161i \u017e\u00e1dost zam\u00edtne, zva\u017ete jejich mo\u017enosti zabezpe\u010den\u00fdch kreditn\u00edch karet. Ty vy\u017eaduj\u00ed z\u00e1lohu, kter\u00e1 slou\u017e\u00ed jako v\u00e1\u0161 \u00fav\u011brov\u00fd limit a umo\u017e\u0148uje v\u00e1m vybudovat si pozitivn\u00ed platebn\u00ed historii.<\/p>\n<p>P\u0159\u00edpadn\u011b se p\u0159ed op\u011btovn\u00fdm pod\u00e1n\u00edm \u017e\u00e1dosti n\u011bkolik m\u011bs\u00edc\u016f sna\u017ete zlep\u0161it sv\u016fj \u00fav\u011brov\u00fd profil. \u0158e\u0161te konkr\u00e9tn\u00ed nedostatky uveden\u00e9 v ozn\u00e1men\u00ed o zam\u00edtnut\u00ed, a\u0165 u\u017e jde o doklady o p\u0159\u00edjmu, st\u00e1vaj\u00edc\u00ed \u00farove\u0148 zadlu\u017een\u00ed nebo probl\u00e9my s \u00fav\u011brov\u00fdm sk\u00f3re.<\/p>\n<h2>Z\u00e1v\u011br<\/h2>\n<p>Pochopen\u00ed toho, co <strong>Commerzbank<\/strong> Hodnocen\u00ed b\u011bhem schvalov\u00e1n\u00ed kreditn\u00ed karty v\u00e1m pom\u016f\u017ee p\u0159ipravit siln\u011bj\u0161\u00ed \u017e\u00e1dost. Zam\u011b\u0159te se na udr\u017een\u00ed vynikaj\u00edc\u00edho sk\u00f3re SCHUFA prost\u0159ednictv\u00edm konzistentn\u00edch v\u010dasn\u00fdch plateb, udr\u017eov\u00e1n\u00ed n\u00edzk\u00e9ho pom\u011bru dluhu k p\u0159\u00edjmu a prokazov\u00e1n\u00ed stabiln\u00edho zam\u011bstn\u00e1n\u00ed a p\u0159\u00edjmu. Budov\u00e1n\u00ed bankovn\u00edho vztahu s Commerzbank p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti m\u016f\u017ee d\u00e1le zv\u00fd\u0161it va\u0161e \u0161ance na schv\u00e1len\u00ed a p\u0159\u00edstup k lep\u0161\u00edm \u00fav\u011brov\u00fdm podm\u00ednk\u00e1m. Pokud v\u00e1\u0161 sou\u010dasn\u00fd profil nespl\u0148uje jejich standardy, v\u011bnujte \u010das pos\u00edlen\u00ed sv\u00fdch \u00fav\u011brov\u00fdch z\u00e1klad\u016f prost\u0159ednictv\u00edm zodpov\u011bdn\u00e9ho finan\u010dn\u00edho chov\u00e1n\u00ed a zva\u017ete mo\u017enosti zabezpe\u010den\u00fdch karet jako odrazov\u00fd m\u016fstek k tradi\u010dn\u00edm \u00fav\u011brov\u00fdm produkt\u016fm.<\/p>","protected":false},"excerpt":{"rendered":"<p>Getting approved for a Commerzbank credit card depends on multiple factors that the bank evaluates carefully. Understanding what Commerzbank looks [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[14],"tags":[],"class_list":["post-737","post","type-post","status-publish","format-standard","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/posts\/737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/comments?post=737"}],"version-history":[{"count":0,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/posts\/737\/revisions"}],"wp:attachment":[{"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/media?parent=737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/categories?post=737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likapk.com\/cs\/wp-json\/wp\/v2\/tags?post=737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}