{"id":247,"date":"2024-09-25T07:03:00","date_gmt":"2024-09-25T05:03:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=247"},"modified":"2025-10-30T13:35:21","modified_gmt":"2025-10-30T12:35:21","slug":"nakupy-na-splatky-na-co-si-dat-pozor","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/nakupy-na-splatky-na-co-si-dat-pozor\/","title":{"rendered":"N\u00e1kup na spl\u00e1tky s \u00fasm\u011bvem? V\u00edme, na co si d\u00e1t pozor"},"content":{"rendered":"\n

Ne ka\u017ed\u00fd m\u016f\u017ee bez mrknut\u00ed oka zaplatit n\u00e1kup<\/a> za tis\u00edce nebo desetitis\u00edce korun. Na rozd\u011blen\u00ed plateb na n\u011bkolik men\u0161\u00edch \u010d\u00e1stek proto nen\u00ed nic \u0161patn\u00e9ho. Je ale pot\u0159eba si uv\u011bdomit, \u017ee n\u00e1kup na spl\u00e1tky<\/a> je spot\u0159ebitelsk\u00fdm \u00fav\u011brem<\/strong>. Ten v\u00e1m poskytne \u00fav\u011brov\u00e1 spole\u010dnost, kter\u00e1 s dan\u00fdm obchodem \u010di e-shopem spolupracuje.<\/p>\n\n\n\n

Nenechte se un\u00e9st a prostudujte si smlouvu<\/h2>\n\n\n\n

Stejn\u011b jako je tomu u p\u016fj\u010dek, podm\u00ednky n\u00e1kupu na spl\u00e1tky<\/a> nemus\u00ed b\u00fdt pro z\u00e1kazn\u00edka v\u017edy v\u00fdhodn\u00e9. \u0158ada lid\u00ed ale v n\u00e1kupn\u00ed euforii nev\u011bnuje \u00fav\u011brov\u00e9 smlouv\u011b p\u0159\u00edli\u0161 pozornosti<\/strong>, a pak se div\u00ed, \u017ee jsou podm\u00ednky ve skute\u010dnosti jin\u00e9, ne\u017e se na prvn\u00ed pohled zd\u00e1ly.<\/p>\n\n\n\n

P\u0159ed fin\u00e1ln\u00edm podpisem smlouvy se proto vyplat\u00ed d\u016fkladn\u011b prostudovat, za jak\u00fdch podm\u00ednek a s jak\u00fdm \u00farokem budete sv\u016fj n\u00e1kup spl\u00e1cet. P\u0159edev\u0161\u00edm u dra\u017e\u0161\u00edch polo\u017eek mohou nev\u00fdhodn\u011b nastaven\u00e9 podm\u00ednky celkovou splatnou \u010d\u00e1stku citeln\u011b nav\u00fd\u0161it<\/strong>. <\/p>\n\n\n\n

Nezapome\u0148te si tak\u00e9 zjistit, jak\u00e9 sankce v\u00e1s \u010dekaj\u00ed v p\u0159\u00edpad\u011b, \u017ee se s platbou n\u00e1hodou opozd\u00edte. Zat\u00edmco n\u011bkter\u00e9 spole\u010dnosti jsou p\u0159i kr\u00e1tk\u00e9m zpo\u017ed\u011bn\u00ed pom\u011brn\u011b shov\u00edvav\u00e9, jin\u00e9 v\u00e1m za prodlen\u00ed obratem na\u00fa\u010dtuj\u00ed mastnou pokutu.<\/strong> P\u00e1r minut, kter\u00e9 v\u011bnujete p\u0159e\u010dten\u00ed smlouvy, se zkr\u00e1tka vypl\u00e1c\u00ed, proto\u017ee i v tomto p\u0159\u00edpad\u011b plat\u00ed, \u017ee neznalost neomlouv\u00e1.<\/p>\n\n\n

\n
\"N\u00e1kupy
Prostudov\u00e1n\u00edm smlouvy si u\u0161et\u0159\u00edte potenci\u00e1ln\u00ed nep\u0159\u00edjemnosti.<\/figcaption><\/figure>\n<\/div>\n\n\n

P\u0159ipravte se na \u201eprov\u011brku\u201c<\/h2>\n\n\n\n

I pro spl\u00e1tkov\u00fd prodej plat\u00ed, \u017ee si v\u011b\u0159itel \u017eadatele p\u0159ed schv\u00e1len\u00edm \u00fav\u011bru nejprve po\u0159\u00e1dn\u011b proklepne a ov\u011b\u0159\u00ed si jeho bonitu, tedy finan\u010dn\u00ed d\u016fv\u011bryhodnost. \u010c\u00edm je celkov\u00e1 hodnota n\u00e1kupu vy\u0161\u0161\u00ed, t\u00edm je zkoum\u00e1n\u00ed finan\u010dn\u00ed minulosti, platebn\u00ed mor\u00e1lky nebo v\u00fd\u0161e p\u0159\u00edjm\u016f <\/strong>podrobn\u011bj\u0161\u00ed. \u00dav\u011brov\u00e1 spole\u010dnost logicky nechce p\u016fj\u010dovat n\u011bkomu, u koho hroz\u00ed, \u017ee p\u016fj\u010dku <\/a>nebude spl\u00e1cet. D\u016fkladn\u00e1 kontrola pom\u016f\u017ee i samotn\u00e9mu z\u00e1kazn\u00edkovi \u2013 eliminuje riziko, \u017ee mu jeho z\u00e1vazky p\u0159erostou p\u0159es hlavu.<\/p>\n\n\n\n

Ani online n\u00e1kup na spl\u00e1tky<\/a> se proto ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f neobejde bez prok\u00e1z\u00e1n\u00ed toto\u017enosti, nej\u010dast\u011bji prost\u0159ednictv\u00edm bankovn\u00ed identity (Bank iD). \u00dav\u011brov\u00e9 spole\u010dnosti si pot\u00e9 \u017eadatele prov\u011b\u0159\u00ed v registrech dlu\u017en\u00edk\u016f<\/strong>, a pokud u n\u011bj objev\u00ed n\u011bjak\u00fd finan\u010dn\u00ed \u0161kraloup, n\u00e1kup na spl\u00e1tky mu nemus\u00ed schv\u00e1lit. S neposkvrn\u011bnou finan\u010dn\u00ed histori\u00ed m\u016f\u017eete naopak v\u011bt\u0161inou po\u010d\u00edtat s t\u00edm, \u017ee cel\u00fd proces prob\u011bhne rychle a hladce, \u010dasto dokonce v \u0159\u00e1du minut.<\/p>\n\n\n\n

Pohl\u00eddejte si v\u00fdhodn\u00e9 akce<\/h2>\n\n\n\n

P\u0159i tro\u0161e \u0161t\u011bst\u00ed m\u016f\u017eete v obchodech i e-shopech narazit na n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161en\u00ed<\/strong>. Obvykle se jedn\u00e1 o \u010dasov\u011b omezenou akci, kter\u00e1 v\u00e1m zaru\u010d\u00ed, \u017ee \u00fav\u011brov\u00e9 spole\u010dnosti splat\u00edte pouze hodnotu n\u00e1kupu bez dal\u0161\u00edch poplatk\u016f. Jestli\u017ee tedy v\u00edte, \u017ee obchodn\u00edk, u kter\u00e9ho se chyst\u00e1te nakoupit, takov\u00e9 akce pro sv\u00e9 z\u00e1kazn\u00edky \u010das od \u010dasu p\u0159ipravuje, m\u016f\u017eete s n\u00e1kupem po\u010dkat na tu pravou chv\u00edli.<\/p>\n\n\n\n

Zkuste to jinak a bez nav\u00fd\u0161en\u00ed<\/h2>\n\n\n\n

A co situace, kdy nem\u00e1te pen\u011bz nazbyt, ale naraz\u00edte na produkt, po kter\u00e9m u\u017e dlouho pokukujete, v \u010dasov\u011b omezen\u00e9 nab\u00eddce za super v\u00fdhodnou cenu? Nesjedn\u00e1vejte si nev\u00fdhodn\u00fd spl\u00e1tkov\u00fd kalend\u00e1\u0159, ale situaci elegantn\u011b vy\u0159e\u0161te pomoc\u00ed odlo\u017een\u00e9 platby<\/a> od Skip Pay. D\u00edky n\u00ed si m\u016f\u017eete zbo\u017e\u00ed objednat hned, ale zaplatit za n\u011bj a\u017e 30 dn\u00ed od doru\u010den\u00ed<\/strong>, a ned\u00e1te za to ani korunu nav\u00edc! Se Skip Pay se nemus\u00edte upisovat \u00fav\u011brov\u00e9 spole\u010dnosti, ani lu\u0161tit pozn\u00e1mky pod \u010darou. Jsme f\u00e9r a pod k\u0159\u00eddly \u010cSOB. <\/p>\n\n\n

\"Z\u00edskejte<\/a><\/figure>\n
\"Z\u00edskejte<\/a><\/figure>","protected":false},"excerpt":{"rendered":"

\u0158ada obchod\u016f, a\u0165 u\u017e kamenn\u00fdch, nebo internetov\u00fdch, sv\u00fdm z\u00e1kazn\u00edk\u016fm nab\u00edz\u00ed mo\u017enost spl\u00e1tkov\u00e9ho prodeje. Rozlo\u017een\u00ed celkov\u00e9 sumy do s\u00e9rie ni\u017e\u0161\u00edch \u010d\u00e1stek znamen\u00e1 men\u0161\u00ed finan\u010dn\u00ed z\u00e1t\u011b\u017e, ale tak\u00e9 z\u00e1vazek v\u016f\u010di \u00fav\u011brov\u00e9 spole\u010dnosti. Je n\u00e1kup na spl\u00e1tky rozumnou volbou? Na co byste si m\u011bli d\u00e1t pozor? A nab\u00edz\u00ed \u010desk\u00fd trh jin\u00e9 alternativy?<\/p>\n","protected":false},"author":6,"featured_media":260,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,21],"class_list":["post-247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-platebni-metody","entry"],"acf":[],"yoast_head":"\nN\u00e1kup na spl\u00e1tky: Na co si d\u00e1t pozor? | Skip Pay<\/title>\n<meta name=\"description\" content=\"\u2705 N\u00e1kup na spl\u00e1tky - jak\u00e9 m\u00e1 v\u00fdhody a na co byste si m\u011bli d\u00e1t pozor?\u26a1A v \u010dem v\u00e1m pom\u016f\u017ee bezplatn\u00e1 Odlo\u017een\u00e1 platba od Skip Pay?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/nakupy-na-splatky-na-co-si-dat-pozor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"N\u00e1kup na spl\u00e1tky: Na co si d\u00e1t pozor? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"\u2705 N\u00e1kup na spl\u00e1tky - jak\u00e9 m\u00e1 v\u00fdhody a na co byste si m\u011bli d\u00e1t pozor?\u26a1A v \u010dem v\u00e1m pom\u016f\u017ee bezplatn\u00e1 Odlo\u017een\u00e1 platba od Skip Pay?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/nakupy-na-splatky-na-co-si-dat-pozor\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-25T05:03:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T12:35:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/04\/MP_nakupy_na_splatky.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1568\" \/>\n\t<meta property=\"og:image:height\" content=\"1045\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nakupy-na-splatky-na-co-si-dat-pozor\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nakupy-na-splatky-na-co-si-dat-pozor\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"N\u00e1kup na spl\u00e1tky s \u00fasm\u011bvem? 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