[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spshk.cz\/nakupy-na-dluh\/#Article","mainEntityOfPage":"https:\/\/www.spshk.cz\/nakupy-na-dluh\/","headline":"N\u00e1kupy na dluh","name":"N\u00e1kupy na dluh","description":"Dnes ji\u017e striktn\u011b pokl\u00e1d\u00e1m telefon. Tedy p\u0159edt\u00edm se je\u0161t\u011b rozlou\u010d\u00edm a slu\u0161n\u011b pod\u011bkuji za nab\u00eddku, … ","datePublished":"2025-12-01","dateModified":"2025-12-01","author":{"@type":"Person","@id":"https:\/\/www.spshk.cz\/author\/#Person","name":"","url":"https:\/\/www.spshk.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spshk.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spshk.cz\/wp-content\/uploads\/img_a295676_w2155_t1507113092.jpg","url":"https:\/\/www.spshk.cz\/wp-content\/uploads\/img_a295676_w2155_t1507113092.jpg","height":0,"width":0},"url":"https:\/\/www.spshk.cz\/nakupy-na-dluh\/","wordCount":433,"articleBody":"Dnes ji\u017e striktn\u011b pokl\u00e1d\u00e1m telefon. Tedy p\u0159edt\u00edm se je\u0161t\u011b rozlou\u010d\u00edm a slu\u0161n\u011b pod\u011bkuji za nab\u00eddku, ale nevybavuji se. Je to zbyte\u010dn\u00e9. Jednou jsem m\u00e1lem podlehla a podruh\u00e9 jsem podlehla asi na t\u00fdden. Tedy m\u011bs\u00edc pak trvalo, ne\u017e kartu zablokovali a zru\u0161ili. Mo\u017en\u00e1 jsem bl\u00e1zen, ale ty l\u00ed\u010den\u00e9 v\u00fdhody tam prost\u011b nevid\u00edm.  Kreditn\u00ed karty dnes nab\u00edz\u00ed v podstat\u011b ji\u017e skoro ka\u017ed\u00e1 banka. Ale i r\u016fzn\u00e9 nebankovn\u00ed spole\u010dnosti, p\u0159\u00edpadn\u011b i samotn\u00e9 obchodn\u00ed \u0159et\u011bzce. Podstatou je, \u017ee si kupujete zbo\u017e\u00ed na dluh a ten mus\u00edte do ur\u010dit\u00e9 doby (obvykle 30 dn\u00ed) splatit, jinak V\u00e1m za\u010dnou naskakovat velice vysok\u00e9 \u00faroky. Aby se z\u00e1kazn\u00edci nal\u00e1kali, je karta spojena s \u0159adou takzvan\u00fdch v\u00fdhod. Sb\u00edr\u00e1te body, kter\u00e9 se V\u00e1m pak m\u011bn\u00ed v pen\u00edze, nebo se V\u00e1m vrac\u00ed n\u011bjak\u00e9 procento z n\u00e1kupu zp\u011bt, p\u0159\u00edpadn\u011b dostanete d\u00e1rek p\u0159i sjedn\u00e1n\u00ed karty. Na prvn\u00ed pohled to vypad\u00e1, \u017ee se banky a spole\u010dnosti sna\u017e\u00ed, abychom se m\u011bli co nejl\u00e9pe. Chyba l\u00e1vky. Oni se cht\u011bj\u00ed m\u00edt co nejl\u00e9pe a doufaj\u00ed, \u017ee \u010dlov\u011bk zapomene splatit dlu\u017enou \u010d\u00e1stku v\u010das a oni tak vyd\u011blaj\u00ed na \u00faroc\u00edch. \u010casto je karta tak\u00e9 spojena s poplatky za veden\u00ed, kter\u00e9 V\u00e1m ov\u0161em p\u0159i jej\u00edm \u010dast\u00e9m pou\u017e\u00edv\u00e1n\u00ed slibuj\u00ed vr\u00e1tit. T\u00edm V\u00e1s ov\u0161em zase nut\u00ed nakupovat a i finan\u010dn\u011b gramotn\u00fd \u010dlov\u011bk m\u016f\u017ee sklouznout k poku\u0161en\u00ed a kupovat za hranice sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. P\u0159\u00edpadn\u011b po\u010d\u00edt\u00e1te s ur\u010dit\u00fdm p\u0159\u00edjmem a mysl\u00edte si, \u017ee v\u0161e bez probl\u00e9m\u016f splat\u00edte a nastane nep\u0159edv\u00eddateln\u00e1 ud\u00e1lost, pen\u00edze V\u00e1m na \u00fa\u010det nedoraz\u00ed a jste po krk v brynd\u011b.  Proto si uv\u011bdomte: na co nem\u00e1m, to nekupuji! V r\u00e1mci finan\u010dn\u00ed gramotnosti by m\u011bl m\u00edt ka\u017ed\u00fd n\u011bjak\u00e9 ty rezervy pro ne\u010dekan\u00e9 ud\u00e1losti a v\u011bt\u0161\u00ed investice a jinak utr\u00e1c\u00edm \u010d\u00e1st sv\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f a \u010d\u00e1st si ukl\u00e1d\u00e1m nebo investuji. Nen\u00ed t\u0159eba m\u00edt kreditn\u00ed kartu a \u017e\u00edt permanentn\u011b na dluh. Zvl\u00e1\u0161\u0165, kdy\u017e V\u00e1s v p\u0159\u00edpad\u011b pozdn\u00edho splacen\u00ed automaticky za\u0159ad\u00ed do registru dlu\u017en\u00edk\u016f a u\u017e si po zbytek \u017eivota ponesete s sebou \u010dern\u00fd punt\u00edk.                                                                                                                                                                                                                                                                                                                                                                                         5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00e1kupy na dluh","item":"https:\/\/www.spshk.cz\/nakupy-na-dluh\/#breadcrumbitem"}]}]