{"id":2892,"date":"2022-07-18T05:20:35","date_gmt":"2022-07-18T03:20:35","guid":{"rendered":"https:\/\/www.top5credits.com\/no\/?p=2892"},"modified":"2024-02-05T08:48:35","modified_gmt":"2024-02-05T07:48:35","slug":"hva-betyr-en-positiv-saldo-pa-kredittkortet","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/no\/finansiering\/kredittkort\/hva-betyr-en-positiv-saldo-pa-kredittkortet\/","title":{"rendered":"Hva betyr en positiv saldo p\u00e5 kredittkortet"},"content":{"rendered":"\n

Alle med et kredittkort vet at n\u00e5r man bruker kortet vil det resultere i en (midlertidig) negativ saldo p\u00e5 kredittkortet. Det som kanskje er mindre kjent er at det ogs\u00e5 er mulig \u00e5 ha en positiv saldo p\u00e5 kredittkortet ditt.
I denne artikkelen vil du lese om hvordan du kan f\u00e5 en positiv saldo og hva det kan v\u00e6re nyttig for.<\/p>\n\n\n\n

Dette er hvordan du f\u00e5r en positiv saldo p\u00e5 kredittkortet<\/h2>\n\n\n\n

N\u00e5r du mottar kredittkortet er saldoen null<\/a>. N\u00e5r du bruker kredittkortet for \u00e5 betale for noe blir saldoen negativ. (Kredittkortselskapet forskutterer bel\u00f8pet og du m\u00e5 betale det tilbake p\u00e5 et senere tidspunkt.)
P\u00e5 slutten av m\u00e5neden n\u00e5r saldoen er helt eller delvis fylt opp med penger fra bankkontoen din igjen, vil ogs\u00e5 saldoen g\u00e5 tilbake til null.<\/p>\n\n\n\n

Det er to m\u00e5ter du kan oppn\u00e5 en positiv saldo p\u00e5 kortet ditt:<\/h3>\n\n\n\n
    \n
  1. Du kan overf\u00f8re penger til kredittkortet selv<\/li>\n\n\n\n
  2. Du kan motta penger tilbake for en betaling du har gjort tidligere<\/li>\n<\/ol>\n\n\n\n

    Hva er en positiv balanse?<\/h2>\n\n\n\n

    Du har en positiv balanse p\u00e5 kredittkortet ditt n\u00e5r pengebel\u00f8pet du kan bruke er st\u00f8rre enn kredittgrensen din.<\/p>\n\n\n\n

    Eksempel <\/strong>
    Kredittgrense 15 500 kr
    Pengebel\u00f8p \u00e5 bruke 15 600 kr
    I dette tilfellet er den positive saldoen p\u00e5 100 kr. Du kan ogs\u00e5 overf\u00f8re dette til betalingskontoen din.<\/p>\n\n\n\n

    Sette inn penger<\/h3>\n\n\n\n

    Med de fleste kredittkort er det mulig \u00e5 overf\u00f8re penger fra brukskontoen din til kredittkortet p\u00e5 slutten av m\u00e5neden. (Les mer her om hvordan.)<\/p>\n\n\n\n

    Det er to grunner for at det er fordelaktig:<\/p>\n\n\n\n

    \u00d8k grensen for bruk<\/h3>\n\n\n\n

    Du kan sette over penger til kredittkortet og p\u00e5 den m\u00e5ten \u00f8ke grensen for hvor mye du kan bruke.<\/p>\n\n\n\n

    Det fungerer p\u00e5 denne m\u00e5ten:<\/strong>
    La oss si at du har en kredittgrense p\u00e5 30 000 kr p\u00e5 kredittkortet ditt.
    Hvis du overf\u00f8rer 10 000 kr til vil du ha en bruksgrense p\u00e5 40 000 kr.
    Det kan v\u00e6re praktisk hvis du skal gj\u00f8re et stort innkj\u00f8p eller betale for en ferie.<\/p>\n\n\n\n

    Sparing<\/h2>\n\n\n\n

    Med de fleste kredittkort vil du f\u00e5 renter dersom du har en positiv saldo p\u00e5 kredittkortet ditt. Av og til er rentene h\u00f8yere enn i bankens sparekonto.
    S\u00e5 i tillegg til \u00e5 \u00f8ke bruksgrensen p\u00e5 kortet ditt, kan du ogs\u00e5 spare penger p\u00e5 \u00e5 holde en positiv saldo p\u00e5 kredittkortet ditt.
    Har du en positiv saldo p\u00e5 kredittkortet ditt? Da kan du ogs\u00e5 enkelt overf\u00f8re pengene til brukskontoen din.<\/p>\n\n\n\n

    Positiv balanse p\u00e5 grunn av refusjon<\/h3>\n\n\n\n

    En positiv saldo kan ogs\u00e5 forekomme hvis en betaling du har gjort tidligere blir refundert, som for eksempel hvis du leverer tilbake en vare du har kj\u00f8pt.
    La oss si at du har gjort et innkj\u00f8p den 20. i m\u00e5neden, og den 25. er den negative saldoen p\u00e5 kortet ditt automatisk betalt ned s\u00e5 saldoen er tilbake til null. S\u00e5 den 30. kansellerer du innkj\u00f8pet du gjorde, og summen blir refundert. Dette vil resultere i en positiv saldo p\u00e5 kredittkortet ditt.
    Du kan enten overf\u00f8re pengene tilbake til bankkontoen din, eller du kan bruke det til \u00e5 gj\u00f8re fremtidige innkj\u00f8p med kortet ditt.<\/p>\n\n\n\n

    Forh\u00e5ndsbetalte kredittkort<\/h3>\n\n\n\n

    Hvis du bruker et forh\u00e5ndsbetalt kredittkort er kravet for \u00e5 gj\u00f8re en betaling at det er en positiv saldo.
    Med denne type kort f\u00e5r du ikke kreditt, men du m\u00e5 fylle p\u00e5 penger p\u00e5 kortet for \u00e5 kunne bruke det til \u00e5 betale med.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Alle med et kredittkort vet at n\u00e5r man bruker kortet vil det resultere i en (midlertidig) negativ saldo p\u00e5 kredittkortet. Det som kanskje er mindre<\/p>\n

    Fortsett \u00e5 lese Hva betyr en positiv saldo p\u00e5 kredittkortet<\/span><\/p>\n","protected":false},"author":22,"featured_media":2901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-artikkeli.php","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-2892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kredittkort","entry"],"yoast_head":"\nHva betyr en positiv saldo p\u00e5 kredittkortet - Top5Credits.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/no\/finansiering\/kredittkort\/hva-betyr-en-positiv-saldo-pa-kredittkortet\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hva betyr en positiv saldo p\u00e5 kredittkortet - Top5Credits.com\" \/>\n<meta property=\"og:description\" content=\"Alle med et kredittkort vet at n\u00e5r man bruker kortet vil det resultere i en (midlertidig) negativ saldo p\u00e5 kredittkortet. 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