{"id":4324,"date":"2021-10-26T10:02:35","date_gmt":"2021-10-26T09:02:35","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=4324"},"modified":"2026-06-25T10:09:29","modified_gmt":"2026-06-25T08:09:29","slug":"5-castych-mytu-ze-sveta-financi","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/5-castych-mytu-ze-sveta-financi\/","title":{"rendered":"Je to pravda? Odhalte 5 \u010dast\u00fdch m\u00fdt\u016f ze sv\u011bta financ\u00ed"},"content":{"rendered":"\n

1.<\/strong>   Kreditn\u00ed karta v\u00e1s zruinuje<\/strong> <\/h2>\n\n\n\n

To v\u016fbec nemus\u00ed b\u00fdt pravda. Z\u00e1le\u017e\u00ed toti\u017e na tom, jak\u00fdm zp\u016fsobem ji budete vyu\u017e\u00edvat. Ano, kreditka<\/a> pat\u0159\u00ed mezi \u00fav\u011brov\u00e9 produkty, a pokud ji budete vn\u00edmat jako dal\u0161\u00ed p\u016fj\u010dku<\/a>, budete vy\u010derpanou \u010d\u00e1stku spl\u00e1cet s relativn\u011b vysok\u00fdm \u00farokem. Tak\u017ee pokud tu\u0161\u00edte, \u017ee byste dostupnou \u010d\u00e1stku bez rozmyslu utratili, rad\u011bji se kreditce vyhn\u011bte<\/strong>. <\/p>\n\n\n\n

Ale kdy\u017e na to p\u016fjdete chyt\u0159e, m\u016f\u017eete d\u00edky kreditn\u00ed kart\u011b dokonce vyd\u011blat, proto\u017ee v\u00e1m ve spolupr\u00e1ci s bankou \u010dasto jako bonus vr\u00e1t\u00ed n\u011bkolik procent z uskute\u010dn\u011bn\u00fdch n\u00e1kup\u016f zp\u011bt. A poskytovatel karty v\u00e1m k tomu nav\u00edc nab\u00eddne bonusov\u00fd program za pou\u017e\u00edv\u00e1n\u00ed karty. Kdy\u017e pen\u00edze z kreditky pou\u017eijete a splat\u00edte je v tzv. bez\u00faro\u010dn\u00e9m obdob\u00ed<\/strong>, kter\u00e9 u n\u011bkter\u00fdch bank trv\u00e1 a\u017e 60 dn\u016f, \u017e\u00e1dn\u00e9 \u00faroky platit nebudete.<\/p>\n\n\n

\"Ne\u010dekan\u00e9<\/a><\/figure>\n
\"Ne\u010dekan\u00e9<\/a><\/figure>\n\n\n\n\n

2.<\/strong>   Z\u00e1znam v registru je pr\u016f\u0161vih <\/strong><\/h2>\n\n\n\n

Existuj\u00ed dva typy registr\u016f \u2013 pozitivn\u00ed a negativn\u00ed<\/strong>. Sd\u00edlej\u00ed je banky, nebankovn\u00ed spole\u010dnosti a dal\u0161\u00ed poskytovatel\u00e9 slu\u017eeb, aby si mohly ov\u011b\u0159it bonitu a finan\u010dn\u00ed mor\u00e1lku sv\u00fdch potenci\u00e1ln\u00edch klient\u016f. T\u00edm chr\u00e1n\u00ed nejen sebe, ale i samotn\u00e9 klienty, kter\u00e9 by dal\u0161\u00ed \u00fav\u011brov\u00fd produkt mohl dostat do finan\u010dn\u00edch pot\u00ed\u017e\u00ed.<\/p>\n\n\n

TIP!<\/div>
Nen\u00ed registr jako registr. Zjist\u011bte, jak\u00e9 jsou mezi nimi rozd\u00edly. <\/a><\/b><\/div><\/div>\n\n\n\n

V pozitivn\u00edch registrech m\u00e1 z\u00e1znam ka\u017ed\u00fd, kdo \u010derp\u00e1 p\u016fj\u010dku<\/a>, nakoupil na spl\u00e1tky<\/a> nebo vlastn\u00ed kreditn\u00ed kartu<\/a>. A to i v p\u0159\u00edpad\u011b, \u017ee v\u0161echny sv\u00e9 z\u00e1vazky spl\u00e1c\u00ed vzorn\u011b a v\u010das. Kdy\u017e banka z registru vy\u010dte, \u017ee sv\u00e9 dluhy m\u00e1te pod kontrolou, m\u016f\u017ee v\u00e1m to dokonce pomoct t\u0159eba p\u0159i budouc\u00ed \u017e\u00e1dosti o hypot\u00e9ku. Jakmile se dlu\u017en\u00edk ve spl\u00e1cen\u00ed zpozd\u00ed, nebo spl\u00e1tky dokonce ignoruje, putuje jeho jm\u00e9no do negativn\u00edho registru. To u\u017e opravdu m\u016f\u017ee b\u00fdt nep\u0159\u00edjemnost<\/strong>, t\u0159eba p\u0159i \u017e\u00e1dosti o dal\u0161\u00ed \u00fav\u011br.<\/p>\n\n\n\n

Podporujeme kampa\u0148 T\u0159i te\u010dky<\/span><\/strong><\/h2>C\u00edlem kampan\u011b T\u0159i te\u010dky, za kterou stoj\u00ed spolek Nele\u017e<\/a>, je vyzvat ve\u0159ejnost k ov\u011b\u0159ov\u00e1n\u00ed informac\u00ed a kritick\u00e9mu my\u0161len\u00ed. St\u00e1le v\u00edce lid\u00ed toti\u017e podl\u00e9h\u00e1 dezinformac\u00edm a \u201efake news\u201c, kter\u00e9 nen\u00ed v\u017edy snadn\u00e9 odli\u0161it od pravdy. Kampa\u0148 na konkr\u00e9tn\u00edch p\u0159\u00edkladech uk\u00e1\u017ee, jak snadn\u00e9 je informac\u00edm, kter\u00e9 se nezakl\u00e1daj\u00ed na pravdiv\u00fdch podkladech, podlehnout. A proto\u017ee my v Skip Pay chceme v\u017edy komunikovat na rovinu, r\u00e1di ka\u017edou podobnou iniciativu otev\u0159en\u011b podpo\u0159\u00edme.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

3.<\/strong>   Investovat m\u016f\u017eou jen bohat\u00ed<\/strong><\/h2>\n\n\n\n

Kdy\u017e se \u0159ekne \u201einvestice\u201c, \u0159ada lid\u00ed si vybav\u00ed bank\u00e9\u0159e z\u00a0Wall Street, kter\u00fd si cigarety p\u0159ipaluje stodolarov\u00fdmi bankovkami. Pravda je ale takov\u00e1, \u017ee do\u00a0sv\u011btov\u00fdch pod\u00edlov\u00fdch fond\u016f m\u016f\u017eete klidn\u011b investovat i\u00a0p\u00e1r stokorun<\/strong>. Jist\u011b, nem\u016f\u017eete pak automaticky o\u010dek\u00e1vat, \u017ee se z\u00a0v\u00e1s obratem stane milion\u00e1\u0159, ale kdy\u017e budete m\u00edt nastavenou spr\u00e1vnou investi\u010dn\u00ed strategii a\u00a0trochu \u0161t\u011bst\u00ed, budou se v\u00e1m vklady mno\u017eit.<\/p>\n\n\n\n

Pokud m\u00e1te r\u00e1di \u010d\u00edsla a voln\u00fd \u010das, m\u016f\u017eete se do investov\u00e1n\u00ed pustit sami. V dne\u0161n\u00ed dob\u011b to bez pot\u00ed\u017e\u00ed zvl\u00e1dnete online<\/strong> a na internetu najdete tuny v\u00edce i m\u00e9n\u011b u\u017eite\u010dn\u00fdch n\u00e1vod\u016f, jak za\u010d\u00edt budovat investi\u010dn\u00ed portfolio. Jestli\u017ee se na matematiku p\u0159\u00edli\u0161 nec\u00edt\u00edte, m\u016f\u017eete sv\u00e9 investi\u010dn\u00ed z\u00e1m\u011bry zkonzultovat se zku\u0161en\u00fdm poradcem, kter\u00fd v\u00e1m p\u0159edstav\u00ed vhodn\u00e9 strategie.<\/p>\n\n\n\n

\"Investov\u00e1n\u00ed
Do investic se m\u016f\u017eete pustit i bez milion\u016f.<\/figcaption><\/figure>\n\n\n\n

4.<\/strong>   Kdy\u017e jsem v nouzi, pom\u016f\u017ee mi kr\u00e1tkodob\u00e1 p\u016fj\u010dka <\/strong><\/h2>\n\n\n\n

Poj\u010fme b\u00fdt up\u0159\u00edmn\u00ed \u2013 pokud jste ve finan\u010dn\u00edch t\u011b\u017ekostech, ka\u017ed\u00e1 dal\u0161\u00ed p\u016fj\u010dka<\/a> pro v\u00e1s m\u016f\u017ee b\u00fdt rizikem. Pokud ale nem\u00e1te jinou mo\u017enost, vyrazte pro \u00fav\u011br do banky, kter\u00e1 v\u00e1m nab\u00eddne transparentn\u00ed podm\u00ednky a rozumn\u00fd \u00farok<\/strong>. V\u011bt\u0161\u00ed \u0161anci se \u017e\u00e1dost\u00ed usp\u011bt budete m\u00edt u sv\u00e9 domovsk\u00e9 banky, kter\u00e1 zn\u00e1 va\u0161i finan\u010dn\u00ed situaci, a proto dok\u00e1\u017ee rychle vyhodnotit, jestli p\u016fj\u010dku zvl\u00e1dnete spl\u00e1cet.<\/p>\n\n\n

TIP!<\/div>
TIP: Ne v\u0161echny nebankovn\u00ed p\u016fj\u010dky<\/a> jsou \u0161patn\u00e9. Ale p\u0159esto se vyplat\u00ed b\u00fdt na pozoru.<\/a><\/b><\/div><\/div>\n\n\n\n

Kdy\u017e se rozhodnete o finan\u010dn\u00ed pomoc po\u017e\u00e1dat nebankovn\u00ed spole\u010dnost, kter\u00e1 v\u00e1m nab\u00eddne \u201ev\u00fdhodnou\u201c kr\u00e1tkodobou p\u016fj\u010dku, rozhodn\u011b si p\u0159edem zkontrolujte, jak moc v\u00fdhodn\u00fd takov\u00fd produkt ve skute\u010dnosti je. Mo\u017en\u00e1 sice pen\u00edze z\u00edsk\u00e1te sn\u00e1ze ne\u017e v bance, ale jako \u201ebonus\u201c v\u00e1m k n\u00ed poskytovatel p\u0159id\u00e1 mnohdy nesmysln\u011b vysok\u00fd \u00farok a likvida\u010dn\u00ed podm\u00ednky v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed<\/strong>, kter\u00e9 chyt\u0159e ukryje do slo\u017eit\u00fdch pr\u00e1vnick\u00fdch formulac\u00ed.<\/p>\n\n\n\n

5. Poji\u0161t\u011bn\u00ed je vyhazov\u00e1n\u00ed pen\u011bz<\/strong><\/h2>\n\n\n\n

Z hlediska pravd\u011bpodobnosti toto tvrzen\u00ed mo\u017en\u00e1 \u010d\u00e1ste\u010dn\u011b plat\u00ed, nicm\u00e9n\u011b spol\u00e9hat se na to, \u017ee v\u00e1m se p\u0159ece nic nem\u016f\u017ee st\u00e1t, je dost kr\u00e1tkozrak\u00e9<\/strong>. A v\u011bt\u0161ina lid\u00ed, kte\u0159\u00ed museli \u0159e\u0161it n\u011bjakou pojistnou ud\u00e1lost, v\u00e1m to jist\u011b potvrd\u00ed. To, \u017ee jste poji\u0161t\u011bn\u00ed, toti\u017e ocen\u00edte a\u017e ve chv\u00edli, kdy se v\u00e1m n\u011bco neblah\u00e9ho stane. A je celkem jedno, pokud jde o \u00faraz, ukradenou pen\u011b\u017eenku na dovolen\u00e9 nebo vytopen\u00ed bytu.<\/p>\n\n\n\n

\"Online
Kampa\u0148 T\u0159i te\u010dky upozor\u0148uje na rostouc\u00ed po\u010det dezinformac\u00ed.<\/figcaption><\/figure>\n\n\n\n

T\u00edm nechceme \u0159\u00edct, \u017ee byste m\u011bli b\u00fdt paranoidn\u00ed a pojistit se proti v\u0161em mysliteln\u00fdm rizik\u016fm. Sta\u010d\u00ed st\u0159\u00edzliv\u011b zv\u00e1\u017eit, jak\u00e9 nep\u0159\u00edjemnosti by v\u00e1s re\u00e1ln\u011b mohly potkat<\/strong> s ohledem na va\u0161e povol\u00e1n\u00ed nebo \u017eivotn\u00ed styl. Uvid\u00edte, \u017ee kdy\u017e m\u011bs\u00ed\u010dn\u011b o\u017eel\u00edte p\u00e1r stovek na platbu pojistek, bude se v\u00e1m klidn\u011bji sp\u00e1t. Ano, je mo\u017en\u00e9, \u017ee k pojistn\u00e9mu pln\u011bn\u00ed nikdy nedojde, co\u017e je vlastn\u011b pozitivn\u00ed, ale i tak je lep\u0161\u00ed myslet na zadn\u00ed vr\u00e1tka.<\/p>\n\n\n

TIP!<\/div>
TIP: Se Skip Pay m\u016f\u017eete chr\u00e1nit sv\u00e9 n\u00e1kupy jedn\u00edm z nejv\u00fdhodn\u011bj\u0161\u00edch poji\u0161t\u011bn\u00ed na trhu.<\/a><\/b> F\u00e9rov\u00e9 podm\u00ednky, online sjedn\u00e1n\u00ed a cena u\u017e od 9 K\u010d ro\u010dn\u011b.<\/div><\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

D\u00edky internetu jsme obklopeni obrovsk\u00fdm mno\u017estv\u00edm informac\u00ed. Zat\u00edmco n\u011bkter\u00e9 z nich jsou pe\u010dliv\u011b ozdrojovan\u00e9 a vyargumentovan\u00e9, jin\u00e9 jsou zalo\u017een\u00e9 sp\u00ed\u0161e na dojmech, nebo dokonce z\u00e1m\u011brn\u011b l\u017eiv\u00e9. Proto jsme se rozhodli vyvr\u00e1tit p\u011btici m\u00fdt\u016f, kter\u00e9 v online prost\u0159ed\u00ed koluj\u00ed o financ\u00edch, a tak\u00e9 podpo\u0159it kampa\u0148 T\u0159i te\u010dky, jej\u00edm\u017e c\u00edlem je pr\u00e1v\u011b boj proti dezinformac\u00edm.<\/p>\n","protected":false},"author":6,"featured_media":4320,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[38,44,23,42],"class_list":["post-4324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-investice","tag-kreditni-karta","tag-pujcka","tag-pojisteni","entry"],"acf":[],"yoast_head":"\nJe to pravda? Odhalte 5 \u010dast\u00fdch m\u00fdt\u016f ze sv\u011bta financ\u00ed | Skip Pay<\/title>\n<meta name=\"description\" content=\"Kter\u00fdm informac\u00edm m\u016f\u017eete v\u011b\u0159it? A jak\u00fdm ne? Spolek Nele\u017e v kampani T\u0159i te\u010dky pom\u00e1h\u00e1 lidem rozeznat dezinformace. \ud83e\udd25 I ty o financ\u00edch.\" \/>\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\/5-castych-mytu-ze-sveta-financi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Je to pravda? Odhalte 5 \u010dast\u00fdch m\u00fdt\u016f ze sv\u011bta financ\u00ed | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Kter\u00fdm informac\u00edm m\u016f\u017eete v\u011b\u0159it? A jak\u00fdm ne? Spolek Nele\u017e v kampani T\u0159i te\u010dky pom\u00e1h\u00e1 lidem rozeznat dezinformace. \ud83e\udd25 I ty o financ\u00edch.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/5-castych-mytu-ze-sveta-financi\/\" \/>\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=\"2021-10-26T09:02:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-25T08:09:29+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/skippay.cz\/blog\/wp-content\/uploads\/2021\/10\/nelez-dezinformace.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\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=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-castych-mytu-ze-sveta-financi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-castych-mytu-ze-sveta-financi\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Je to pravda? 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