{"id":4324,"date":"2021-10-26T10:02:35","date_gmt":"2021-10-26T09:02:35","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=4324"},"modified":"2026-01-29T15:29:32","modified_gmt":"2026-01-29T14:29:32","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\u00a0pokud ji budete vn\u00edmat jako dal\u0161\u00ed p\u016fj\u010dku<\/a>, budete vy\u010derpanou \u010d\u00e1stku spl\u00e1cet s\u00a0relativn\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>.\u00a0<\/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\u00a0negativn\u00ed<\/strong>. Sd\u00edlej\u00ed je banky, nebankovn\u00ed spole\u010dnosti a\u00a0dal\u0161\u00ed poskytovatel\u00e9 slu\u017eeb, aby si mohly ov\u011b\u0159it bonitu a\u00a0finan\u010dn\u00ed mor\u00e1lku sv\u00fdch potenci\u00e1ln\u00edch klient\u016f. T\u00edm chr\u00e1n\u00ed nejen sebe, ale i\u00a0samotn\u00e9 klienty, kter\u00e9 by dal\u0161\u00ed \u00fav\u011brov\u00fd produkt mohl dostat do\u00a0finan\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 Wall Street, kter\u00fd si cigarety p\u0159ipaluje stodolarov\u00fdmi bankovkami. Pravda je ale takov\u00e1, \u017ee do sv\u011btov\u00fdch pod\u00edlov\u00fdch fond\u016f m\u016f\u017eete klidn\u011b investovat i p\u00e1r stokorun<\/strong>. Jist\u011b, nem\u016f\u017eete pak automaticky o\u010dek\u00e1vat, \u017ee se z v\u00e1s obratem stane milion\u00e1\u0159, ale kdy\u017e budete m\u00edt nastavenou spr\u00e1vnou investi\u010dn\u00ed strategii a trochu \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=\"2026-01-29T14:29:32+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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