{"id":721,"date":"2026-03-12T20:01:04","date_gmt":"2026-03-12T20:01:04","guid":{"rendered":"https:\/\/likapk.com\/?p=721"},"modified":"2026-03-12T20:01:04","modified_gmt":"2026-03-12T20:01:04","slug":"ubs-credit-card-switzerland-credit-score-requirements-and-approval-tips","status":"publish","type":"post","link":"https:\/\/likapk.com\/sk\/ubs-credit-card-switzerland-credit-score-requirements-and-approval-tips\/721\/","title":{"rendered":"Kreditn\u00e1 karta UBS \u0160vaj\u010diarsko: Po\u017eiadavky na kreditn\u00e9 sk\u00f3re a tipy na schv\u00e1lenie"},"content":{"rendered":"

UBS pon\u00faka pr\u00e9miov\u00e9 kreditn\u00e9 karty vo \u0160vaj\u010diarsku s konkuren\u010dn\u00fdmi v\u00fdhodami pre obyvate\u013eov aj cudzincov. Pochopenie \u00faverov\u00fdch po\u017eiadaviek pom\u00e1ha \u017eiadate\u013eom z\u00edska\u0165 dobr\u00fa \u0161ancu na schv\u00e1lenie v tejto poprednej \u0161vaj\u010diarskej banke.<\/p>\n

\u0160vaj\u010diarske hodnotenie \u00faverovej bonity sa v\u00fdrazne l\u00ed\u0161i od americk\u00fdch syst\u00e9mov, ako s\u00fa napr\u00edklad FICO sk\u00f3re. UBS posudzuje \u00faverov\u00fa bonitu prostredn\u00edctvom overenia pr\u00edjmu, statusu pobytu a finan\u010dnej stability, a nie tradi\u010dn\u00e9ho kreditn\u00e9ho sk\u00f3re.<\/p>\n

Ako UBS hodnot\u00ed \u017eiadosti o kreditn\u00e9 karty vo \u0160vaj\u010diarsku<\/h2>\n

UBS sa pri posudzovan\u00ed \u017eiadate\u013eov spolieha na \u0161vaj\u010diarske \u00faverov\u00e9 registre ako ZEK (Zentralstelle f\u00fcr Kreditinformation). Tieto registre sleduj\u00fa ome\u0161kania s platbami, bankroty a nesplaten\u00e9 dlhy v celom \u0161vaj\u010diarskom finan\u010dnom syst\u00e9me.<\/p>\n

Banka sk\u00fama v\u00e1\u0161 mesa\u010dn\u00fd pr\u00edjem, stabilitu zamestnania a existuj\u00face finan\u010dn\u00e9 z\u00e1v\u00e4zky. \u010cist\u00fd z\u00e1znam ZEK v kombin\u00e1cii so stabiln\u00fdm pr\u00edjmom v\u00fdrazne zlep\u0161uje schv\u00e1lenie kreditnej karty<\/strong> \u0161ance s UBS.<\/p>\n

Minim\u00e1lne po\u017eiadavky na kreditn\u00e9 karty UBS<\/h2>\n

\u017diadatelia musia ma\u0165 najmenej 18 rokov a platn\u00fd pobyt vo \u0160vaj\u010diarsku. UBS zvy\u010dajne vy\u017eaduje minim\u00e1lny mesa\u010dn\u00fd pr\u00edjem 2 500 CHF pre z\u00e1kladn\u00e9 karty a vy\u0161\u0161ie limity pre pr\u00e9miov\u00e9 ponuky.<\/p>\n

Na u\u013eah\u010denie platieb a preuk\u00e1zanie bankov\u00fdch vz\u0165ahov potrebujete \u0161vaj\u010diarsky bankov\u00fd \u00fa\u010det, najlep\u0161ie u UBS. Cudz\u00ed \u0161t\u00e1tni pr\u00edslu\u0161n\u00edci musia predlo\u017ei\u0165 platn\u00e9 povolenia na pobyt (najlep\u0161ie funguj\u00fa povolenia typu B alebo C).<\/p>\n

Pochopenie syst\u00e9mov \u0161vaj\u010diarskych \u00faverov\u00fdch registrov<\/h2>\n

ZEK uchov\u00e1va z\u00e1znamy o zlyhan\u00ed \u00faverov, probl\u00e9moch s platbami a finan\u010dn\u00fdch rozhodnutiach v celom \u0160vaj\u010diarsku. Na rozdiel od sk\u00f3re FICO neexistuje \u017eiadne \u010d\u00edseln\u00e9 hodnotenie \u2013 z\u00e1znamy s\u00fa bin\u00e1rne (\u010dist\u00e9 alebo ozna\u010den\u00e9).<\/p>\n

Jeden negat\u00edvny z\u00e1znam ZEK m\u00f4\u017ee blokova\u0165 \u017eiadosti o kreditn\u00e9 karty<\/strong> roky. Kontrola v\u00e1\u0161ho z\u00e1znamu ZEK pred podan\u00edm \u017eiadosti pom\u00e1ha identifikova\u0165 potenci\u00e1lne prek\u00e1\u017eky a poskytuje \u010das na rie\u0161enie sporov.<\/p>\n

Overenie a dokument\u00e1cia pr\u00edjmu<\/h2>\n

UBS vy\u017eaduje na overenie pr\u00edjmu ned\u00e1vne v\u00fdplatn\u00e9 p\u00e1sky (zvy\u010dajne za posledn\u00e9 tri mesiace) a pracovn\u00e9 zmluvy. \u017diadatelia o samostatn\u00fa z\u00e1robkovo \u010dinn\u00e9 osoby musia predlo\u017ei\u0165 da\u0148ov\u00e9 priznania a finan\u010dn\u00e9 v\u00fdkazy podniku za posledn\u00e9 roky.<\/p>\n

Banka vypo\u010d\u00edtava pomer v\u00e1\u0161ho dlhu k pr\u00edjmu, aby zabezpe\u010dila zvl\u00e1dnute\u013en\u00e9 \u00faverov\u00e9 limity. Udr\u017eiavanie v\u00fddavkov pod hranicou 30% hrub\u00e9ho pr\u00edjmu preukazuje finan\u010dn\u00fa zodpovednos\u0165 a posil\u0148uje \u017eiadosti.<\/p>\n

Vplyv pobytov\u00e9ho statusu na schv\u00e1lenie<\/h2>\n

\u0160vaj\u010diarski ob\u010dania a dr\u017eitelia povolenia typu C maj\u00fa pri hodnoten\u00ed kreditov preferen\u010dn\u00e9 zaobch\u00e1dzanie. Dr\u017eitelia povolenia typu B sp\u013a\u0148aj\u00fa podmienky, ale m\u00f4\u017eu \u010deli\u0165 ni\u017e\u0161\u00edm po\u010diato\u010dn\u00fdm n\u00e1rokom. \u00faverov\u00e9 limity<\/strong> alebo dodato\u010dn\u00e9 po\u017eiadavky na dokument\u00e1ciu.<\/p>\n

Do\u010dasn\u00ed obyvatelia s povoleniami typu L maj\u00fa \u010dasto probl\u00e9my so schv\u00e1len\u00edm \u017eiadost\u00ed kv\u00f4li krat\u0161\u00edm pobytov\u00fdm z\u00e1v\u00e4zkom. Vybudovanie bankov\u00e9ho vz\u0165ahu s UBS pred podan\u00edm \u017eiadosti zvy\u0161uje \u0161ance na prijatie pre cudzincov.<\/p>\n

Mo\u017enosti a v\u00fdhody kreditnej karty UBS<\/h2>\n

UBS pon\u00faka nieko\u013eko \u00farovn\u00ed kariet vr\u00e1tane \u00farovn\u00ed Classic, Gold a Platinum. Ka\u017ed\u00e1 \u00farove\u0148 poskytuje r\u00f4zne cestovn\u00e9 odmeny<\/strong>, poistn\u00e9 krytie a ochrana n\u00e1kupov prisp\u00f4soben\u00e9 r\u00f4znym segmentom z\u00e1kazn\u00edkov.<\/p>\n

Ten\/T\u00e1\/To Program kreditn\u00fdch kariet UBS<\/a> zah\u0155\u0148a mo\u017enosti vr\u00e1tenia pe\u0148az\u00ed, partnerstv\u00e1 s leteck\u00fdmi spolo\u010dnos\u0165ami a preferen\u010dn\u00e9 v\u00fdmenn\u00e9 kurzy. Pr\u00e9miov\u00e9 karty pon\u00fakaj\u00fa pr\u00edstup do letiskov\u00fdch sal\u00f3nikov a komplexn\u00e9 cestovn\u00e9 poistenie.<\/p>\n

Strat\u00e9gie na zlep\u0161enie \u0161anc\u00ed na schv\u00e1lenie<\/h2>\n

Otvorenie sporiaceho alebo be\u017en\u00e9ho \u00fa\u010dtu UBS si pred podan\u00edm \u017eiadosti over\u00ed bankov\u00fa hist\u00f3riu. Pravideln\u00e9 vklady a aktivita na \u00fa\u010dte preukazuj\u00fa finan\u010dn\u00fa stabilitu pre \u00faverov\u00fdch hodnotite\u013eov.<\/p>\n

V\u010dasn\u00e9 platenie v\u0161etk\u00fdch \u00fa\u010dtov po\u010das aspo\u0148 \u0161iestich mesiacov vytv\u00e1ra pozit\u00edvne finan\u010dn\u00e9 vzorce. Vyh\u00fdbanie sa pre\u010derpaniu \u00fa\u010dtu a udr\u017eiavanie kladn\u00fdch zostatkov na \u00fa\u010dtoch signalizuje UBS zodpovedn\u00e9 hospod\u00e1renie s peniazmi.<\/p>\n

Spr\u00e1va existuj\u00faceho dlhu pred podan\u00edm \u017eiadosti<\/h2>\n

Zn\u00ed\u017eenie nesplaten\u00fdch \u00faverov a \u00faverov\u00fdch z\u00e1v\u00e4zkov v\u00fdrazne zlep\u0161uje pomer dlhu k pr\u00edjmu. Spl\u00e1canie existuj\u00facich kreditn\u00fdch kariet pod \u00farove\u0148 vyu\u017eitia 30% demon\u0161truje \u00faveruschopn\u00e9 spr\u00e1vanie.<\/p>\n

Konsolid\u00e1cia viacer\u00fdch mal\u00fdch dlhov do jednej spl\u00e1tky zjednodu\u0161uje v\u00e1\u0161 finan\u010dn\u00fd profil. UBS uprednost\u0148uje \u017eiadate\u013eov s efekt\u00edvnymi a zvl\u00e1dnute\u013en\u00fdmi dlhov\u00fdmi \u0161trukt\u00farami pred t\u00fdmi s rozpt\u00fdlen\u00fdmi z\u00e1v\u00e4zkami.<\/p>\n

Ako vyu\u017e\u00edvanie \u00faverov ovplyv\u0148uje \u0161vaj\u010diarske karty<\/h2>\n

Zatia\u013e \u010do \u0160vaj\u010diarsko nem\u00e1 form\u00e1lne vyu\u017eitie \u00faveru<\/strong> Pri zvy\u0161ovan\u00ed limitov je d\u00f4le\u017eit\u00e9 hodnotenie a vzorce v\u00fddavkov. UBS pri zva\u017eovan\u00ed \u00faprav \u00faverov\u00e9ho r\u00e1mca monitoruje mesa\u010dn\u00e9 pou\u017e\u00edvanie karty a konzistentnos\u0165 platieb.<\/p>\n

Udr\u017eiavanie v\u00fddavkov pod stanoven\u00fdmi limitmi 30% sved\u010d\u00ed o zdr\u017eanlivosti a finan\u010dnej kontrole. \u00dahrada zostatkov v plnej v\u00fd\u0161ke ka\u017ed\u00fd mesiac zabra\u0148uje RPSN<\/strong> poplatky a preukazuje bonitu pre bud\u00face zv\u00fd\u0161enie.<\/p>\n

Na\u010dasovanie \u017eiadosti o kreditn\u00fa kartu<\/h2>\n

Podanie \u017eiadosti po preuk\u00e1zan\u00ed troj- a\u017e \u0161es\u0165mesa\u010dnej hist\u00f3rie bankov\u00e9ho \u00fa\u010dtu v UBS zlep\u0161uje v\u00fdsledky. Ned\u00e1vne otvorenia \u00fa\u010dtov s minim\u00e1lnou hist\u00f3riou transakci\u00ed \u010dasto ved\u00fa k zamietnutiu \u017eiadosti alebo n\u00edzkym limitom.<\/p>\n

Vyhnite sa pod\u00e1vaniu \u017eiadost\u00ed o zamestnanie po\u010das zmien v zamestnan\u00ed alebo bezprostredne po pres\u0165ahovan\u00ed do \u0160vaj\u010diarska. Stabiln\u00e9 zamestnanie a pobyt po dobu aspo\u0148 troch mesiacov v\u00fdrazne posil\u0148uj\u00fa v\u00e1\u0161 finan\u010dn\u00fd profil.<\/p>\n

\u010co sa stane po odoslan\u00ed \u017eiadosti<\/h2>\n

UBS zvy\u010dajne spracuje \u017eiadosti o \u0161tandardn\u00e9 pos\u00fadenie do 5 a\u017e 10 pracovn\u00fdch dn\u00ed. Zlo\u017eit\u00e9 pr\u00edpady t\u00fdkaj\u00face sa samostatnej z\u00e1robkovej \u010dinnosti alebo pr\u00edjmu zo zahrani\u010dia m\u00f4\u017eu vy\u017eadova\u0165 dodato\u010dn\u00fa dokument\u00e1ciu a dlh\u0161\u00ed \u010das spracovania.<\/p>\n

Schv\u00e1len\u00ed \u017eiadatelia dostan\u00fa karty doporu\u010dene do dvoch t\u00fd\u017ed\u0148ov. Banka im prirad\u00ed po\u010diato\u010dn\u00e9 \u00faverov\u00e9 limity<\/strong> na z\u00e1klade pr\u00edjmu, h\u013abky existuj\u00faceho vz\u0165ahu a celkov\u00e9ho finan\u010dn\u00e9ho pos\u00fadenia.<\/p>\n

\u017diados\u0165 o zv\u00fd\u0161enie \u00faverov\u00e9ho limitu u UBS<\/h2>\n

Recenzie UBS zoh\u013ead\u0148uj\u00fa automatick\u00e9 zv\u00fd\u0161enie po 12 mesiacoch zodpovedn\u00e9ho pou\u017e\u00edvania. Konzistentn\u00e9 v\u010dasn\u00e9 platby<\/strong> a pravideln\u00e1 aktivita na karte priaznivo ovplyv\u0148uje zv\u00fd\u0161enie limitov.<\/p>\n

Manu\u00e1lne zv\u00fd\u0161enie limitu m\u00f4\u017eete po\u017eiada\u0165 prostredn\u00edctvom online bankovn\u00edctva UBS alebo n\u00e1v\u0161tevou pobo\u010dky. Poskytnutie aktualizovanej dokument\u00e1cie o pr\u00edjme a preuk\u00e1zanie zv\u00fd\u0161enej z\u00e1robkovej schopnosti podporuje \u00faspe\u0161n\u00e9 \u017eiadosti o zv\u00fd\u0161enie limitu.<\/p>\n

Be\u017en\u00e9 d\u00f4vody zamietnutia \u017eiadosti UBS<\/h2>\n

Z\u00e1porn\u00e9 z\u00e1znamy v ZEK predstavuj\u00fa hlavn\u00fa pr\u00ed\u010dinu zamietnutia \u017eiadost\u00ed o \u0161vaj\u010diarsky \u00faver. Neuhraden\u00e9 dlhy, ome\u0161kania s platbami alebo vyhl\u00e1senie bankrotu ved\u00fa k automatick\u00e9mu zamietnutiu bez oh\u013eadu na aktu\u00e1lny pr\u00edjem.<\/p>\n

Nedostato\u010dn\u00fd pr\u00edjem v porovnan\u00ed s existuj\u00facimi z\u00e1v\u00e4zkami vedie k zamietnutiam aj v pr\u00edpade bezchybn\u00fdch \u00faverov\u00fdch registrov. K zamietnutiam prispievaj\u00fa aj ned\u00e1vne zmeny zamestnania, kr\u00e1tke obdobia pobytu alebo nestabiln\u00e9 pracovn\u00e9 vzorce.<\/p>\n

Budovanie \u00faverovej hist\u00f3rie vo \u0160vaj\u010diarsku<\/h2>\n

Nov\u00ed obyvatelia by si mali ihne\u010f po pr\u00edchode nadviaza\u0165 vz\u0165ahy so \u0161vaj\u010diarskymi bankami. Pou\u017e\u00edvanie debetn\u00fdch kariet a udr\u017eiavanie kladn\u00fdch zostatkov na \u00fa\u010dtoch vytv\u00e1ra z\u00e1kladn\u00fa finan\u010dn\u00fa d\u00f4veryhodnos\u0165 u in\u0161tit\u00faci\u00ed.<\/p>\n

\u017diados\u0165 o zmluvy na mobiln\u00fd telef\u00f3n a \u00fa\u010dty za energie na va\u0161e meno buduje overite\u013en\u00fa hist\u00f3riu platieb. Tieto mal\u00e9 finan\u010dn\u00e9 z\u00e1v\u00e4zky preukazuj\u00fa spo\u013eahlivos\u0165 predt\u00fdm, ako sa o ne rozhodnete. schv\u00e1lenie kreditnej karty<\/strong> s ve\u013ek\u00fdmi bankami.<\/p>\n

Pochopenie poplatkov za \u0161vaj\u010diarske kreditn\u00e9 karty<\/h2>\n

Poplatky UBS ro\u010dn\u00e9 poplatky<\/strong> od 60 CHF pre z\u00e1kladn\u00e9 karty do 500 CHF pre pr\u00e9miov\u00e9 mo\u017enosti Platinum. \u0160trukt\u00fary poplatkov sa l\u00ed\u0161ia v z\u00e1vislosti od v\u00fdhod karty, poistn\u00e9ho krytia a \u0161tedrosti vernostn\u00e9ho programu.<\/p>\n

Poplatky za zahrani\u010dn\u00e9 transakcie sa zvy\u010dajne pohybuj\u00fa od 1,51 TP3T do 2,51 TP3T pri n\u00e1kupoch v in\u00fdch men\u00e1ch ako \u0161vaj\u010diarskych frankoch. Pr\u00e9miov\u00e9 karty tieto poplatky \u010dasto ne\u00fa\u010dtuj\u00fa, v\u010faka \u010domu s\u00fa cenn\u00e9 pre \u010dast\u00fdch medzin\u00e1rodn\u00fdch cestovate\u013eov a cudzincov.<\/p>\n

Alternat\u00edvne mo\u017enosti, ak boli p\u00f4vodne zamietnut\u00e9<\/h2>\n

Zv\u00e1\u017ete \u017eiados\u0165 o predplaten\u00e9 karty UBS ako odrazov\u00fd most\u00edk k \u00faverov\u00fdm produktom. Tieto karty nevy\u017eaduj\u00fa \u017eiadne overovanie \u00faverovej hist\u00f3rie, ale preukazuj\u00fa va\u0161u schopnos\u0165 zodpovedne spravova\u0165 platby kartou.<\/p>\n

Zabezpe\u010den\u00e9 kreditn\u00e9 karty prostredn\u00edctvom in\u00fdch \u0161vaj\u010diarskych b\u00e1nk m\u00f4\u017eu pon\u00faknu\u0165 jednoduch\u0161ie sp\u00f4soby schv\u00e1lenia. Budovanie pozit\u00edvnej hist\u00f3rie s alternat\u00edvnymi vydavate\u013emi posil\u0148uje bud\u00face \u017eiadosti o UBS po po\u010diato\u010dn\u00fdch ne\u00faspechoch.<\/p>\n

Udr\u017eiavanie dobr\u00e9ho stavu s kreditn\u00fdmi kartami UBS<\/h2>\n

Nastavte si automatick\u00e9 platby prostredn\u00edctvom svojho \u00fa\u010dtu UBS, aby ste zabezpe\u010dili v\u010dasn\u00e9 mesa\u010dn\u00e9 vyrovnania. Automatiz\u00e1cia platieb eliminuje \u013eudsk\u00e9 chyby a chr\u00e1ni va\u0161u finan\u010dn\u00fa reput\u00e1ciu v banke.<\/p>\n

Pravidelne monitorujte aktivitu na \u00fa\u010dte prostredn\u00edctvom elektronick\u00e9ho bankovn\u00edctva UBS, \u010di nedo\u0161lo k neopr\u00e1vnen\u00fdm poplatkom alebo chyb\u00e1m. R\u00fdchle rie\u0161enie sporov udr\u017eiava \u010dist\u00e9 z\u00e1znamy o platb\u00e1ch a preukazuje anga\u017eovan\u00e9 finan\u010dn\u00e9 riadenie pre vydavate\u013ea.<\/p>\n

Z\u00e1ver<\/h2>\n

Zabezpe\u010denie Kreditn\u00e1 karta UBS<\/a> vo \u0160vaj\u010diarsku si vy\u017eaduje pochopenie jedine\u010dn\u00e9ho \u0161vaj\u010diarskeho syst\u00e9mu hodnotenia kreditov. Na rozdiel od syst\u00e9mu so s\u00eddlom v USA Sk\u00f3re FICO<\/strong> \u0160vaj\u010diarske banky pri posudzovan\u00ed \u017eiadost\u00ed uprednost\u0148uj\u00fa \u010dist\u00e9 z\u00e1znamy ZEK, stabiln\u00fd pr\u00edjem a preuk\u00e1zan\u00fd pobytov\u00fd status.<\/p>\n

\u00daspech s kreditn\u00fdmi kartami UBS z\u00e1vis\u00ed od budovania siln\u00fdch bankov\u00fdch vz\u0165ahov, udr\u017eiavania \u010dist\u00fdch finan\u010dn\u00fdch z\u00e1znamov a preukazovania konzistentn\u00e9ho pr\u00edjmu. V\u010dasn\u00fdm zalo\u017een\u00edm \u00fa\u010dtov, vyh\u00fdban\u00edm sa negat\u00edvnym z\u00e1znamom v \u00faverovom registri a strategick\u00fdm na\u010dasovan\u00edm \u017eiadost\u00ed si \u017eiadatelia v\u00fdrazne zlep\u0161uj\u00fa \u0161ance na schv\u00e1lenie a \u010dasom si vytv\u00e1raj\u00fa poz\u00edciu na z\u00edskanie v\u00fdhod pr\u00e9miovej karty a vy\u0161\u0161\u00edch \u00faverov\u00fdch limitov.<\/p>","protected":false},"excerpt":{"rendered":"

UBS offers premium credit cards in Switzerland with competitive benefits for residents and expatriates. Understanding credit requirements helps applicants position […]<\/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-721","post","type-post","status-publish","format-standard","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts\/721","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/comments?post=721"}],"version-history":[{"count":1,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts\/721\/revisions"}],"predecessor-version":[{"id":730,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/posts\/721\/revisions\/730"}],"wp:attachment":[{"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/media?parent=721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/categories?post=721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likapk.com\/sk\/wp-json\/wp\/v2\/tags?post=721"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}