{"id":718,"date":"2019-08-16T16:03:49","date_gmt":"2019-08-16T15:03:49","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=718"},"modified":"2025-10-30T12:38:10","modified_gmt":"2025-10-30T11:38:10","slug":"5-tipu-jak-poznat-pochybnou-pujcku","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/","title":{"rendered":"5 tip\u016f jak poznat pochybnou p\u016fj\u010dku"},"content":{"rendered":"\n

I kdy\u017e novela z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru \u010d\u00e1ste\u010dn\u011b pro\u010distila finan\u010dn\u00ed sektor od t\u011bch nejm\u00e9n\u011b f\u00e9rov\u00fdch poskytovatel\u016f p\u016fj\u010dek<\/a>, p\u0159esto na trhu z\u016fstaly firmy, kter\u00e9 sv\u00fdm podnik\u00e1n\u00edm balancuj\u00ed na hran\u011b z\u00e1kona<\/strong>. Jak? P\u016fj\u010duj\u00ed i lidem, kte\u0159\u00ed by na p\u016fj\u010dku u banky nedos\u00e1hli, a nab\u00edzej\u00ed jim nev\u00fdhodn\u00e9 podm\u00ednky a vysok\u00e9 \u00faroky.\u00a0 Pod\u00edvejte se s n\u00e1mi na n\u011bkolik sign\u00e1l\u016f, p\u0159i kter\u00fdch by se v\u00e1m v hlav\u011b m\u011bla rozsv\u00edtit pomysln\u00e1 \u010derven\u00e1 kontrolka:<\/p>\n\n\n\n

1.<\/strong> L\u00edbiv\u00e1, ale zav\u00e1d\u011bj\u00edc\u00ed hesla<\/strong><\/h2>\n\n\n\n

Z webov\u00fdch str\u00e1nek a dal\u0161\u00edch propaga\u010dn\u00edch materi\u00e1l\u016f nebankovn\u00edch spole\u010dnost\u00ed a poskytovatel\u016f mikrop\u016fj\u010dek se m\u016f\u017ee zd\u00e1t, \u017ee mezi klientem a p\u016fj\u010dkou stoj\u00ed prakticky jen jedin\u00fd podpis. Jejich str\u00e1nky se hem\u017e\u00ed hesly, kter\u00e1 obvykle do vyhled\u00e1va\u010d\u016f zad\u00e1vaj\u00ed osoby ve finan\u010dn\u00ed t\u00edsni. A slibuj\u00ed, \u017ee \u00fav\u011br u nich dostane prakticky ka\u017ed\u00fd, tedy i lid\u00e9 zadlu\u017een\u00ed nebo v exekuci<\/strong>, kte\u0159\u00ed vytloukaj\u00ed p\u016fj\u010dku p\u016fj\u010dkou, a t\u00edm je\u0161t\u011b prohlubuj\u00ed sv\u00e9 finan\u010dn\u00ed probl\u00e9my. \u017de by v\u00e1m p\u016fj\u010dka ihned na ruku vytrhla trn z paty? Pokud se nechcete dostat do dluhov\u00e9ho koloto\u010de, rad\u011bji na ni zapome\u0148te a zkuste prozkoumat, jestli nenajdete bezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob, jak stabilizovat rodinn\u00fd rozpo\u010det<\/a>.<\/p>\n\n\n

TIP!<\/div>
M\u00e1te vyluxovan\u00fd \u00fa\u010det, ale nechcete se zadlu\u017eit? Vyzkou\u0161ejte n\u00e1kup s odlo\u017eenou platbou<\/a><\/b>.<\/div><\/div>\n\n\n\n

2.<\/strong> Nepr\u016fhledn\u00e1 struktura firmy<\/strong><\/h2>\n\n\n\n

Cht\u011bli jste se o n\u011bkter\u00e9m z poskytovatel\u016f p\u016fj\u010dek dozv\u011bd\u011bt v\u00edce, ale na jeho webov\u00fdch str\u00e1nk\u00e1ch jste v podstat\u011b nic nezjistili a ani jinde se v\u00e1m neda\u0159\u00ed dohledat relevantn\u00ed informace? Pak se rad\u0161i poohl\u00e9dn\u011bte jinde. P\u0159i p\u016fj\u010dov\u00e1n\u00ed pen\u011bz hraje d\u016fle\u017eitou roli d\u016fv\u011bra<\/strong>, a pokud dan\u00e1 firma s ve\u0159ejnost\u00ed nechce sd\u00edlet bli\u017e\u0161\u00ed informace o sv\u00e9m podnik\u00e1n\u00ed nebo slu\u017eb\u00e1ch, ale po sv\u00fdch klientech citliv\u00e9 \u00fadaje naopak vy\u017eaduje, pak pravd\u011bpodobn\u011b p\u0159\u00edli\u0161 d\u016fv\u011bryhodn\u00e1 nebude. Ka\u017ed\u00e1 nebankovn\u00ed spole\u010dnost nutn\u011b nemus\u00ed b\u00fdt \u0161patn\u00e1, ale ta, kter\u00e1 ml\u017e\u00ed a odm\u00edt\u00e1 vylo\u017eit karty na st\u016fl, asi bude m\u00edt k tajn\u016fstk\u00e1\u0159stv\u00ed sv\u00e9 d\u016fvody.<\/p>\n\n\n

\n
\"Jak
Zkuste m\u00edsto p\u016fj\u010dky<\/a> nekompromisn\u011b sesekat zbyte\u010dn\u00e9 v\u00fddaje<\/a>.<\/figcaption><\/figure>\n<\/div>\n\n\n

3.<\/strong> T\u00fddenn\u00ed spl\u00e1tky<\/strong><\/h2>\n\n\n\n

Standardn\u011b se p\u016fj\u010dka spl\u00e1c\u00ed pravidelnou spl\u00e1tkou ka\u017ed\u00fd m\u011bs\u00edc. Platit m\u016f\u017eete prost\u0159ednictv\u00edm trval\u00e9ho p\u0159\u00edkazu, co\u017e je nejjednodu\u0161\u0161\u00ed zp\u016fsob, jak na spl\u00e1tku nezapomenout, nebo prost\u0159ednictv\u00edm jednotliv\u00fdch platebn\u00edch p\u0159\u00edkaz\u016f. N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti ale vy\u017eaduj\u00ed t\u00fddenn\u00ed spl\u00e1tky<\/strong>, kter\u00e9 si po stokorun\u00e1ch p\u0159\u00edmo u klient\u016f doma nebo na jin\u00e9m smluven\u00e9m m\u00edst\u011b vyzvedne jejich obchodn\u00ed z\u00e1stupce. A\u010dkoliv takov\u00fd postup nen\u00ed nez\u00e1konn\u00fd, sna\u017ete se t\u011bmto firm\u00e1m vyhnout, proto\u017ee zpravidla c\u00edl\u00ed na nemajetn\u00e9 dlu\u017en\u00edky, u kter\u00fdch hroz\u00ed, \u017ee se jim nepoda\u0159\u00ed b\u011bhem m\u011bs\u00edce nast\u0159\u00e1dat v\u011bt\u0161\u00ed finan\u010dn\u00ed obnos. Ti se pak dost\u00e1vaj\u00ed do dluhov\u00e9 spir\u00e1ly, ze kter\u00e9 \u010dasto nevede cesta ven.<\/p>\n\n\n

TIP!<\/div>
Je pro v\u00e1s p\u016fj\u010dka nevyhnuteln\u00e1? M\u00e1me pro v\u00e1s rady, jak vybrat \u00fav\u011br, kter\u00fd v\u00e1s nezruinuje<\/a><\/b>.<\/div><\/div>\n\n\n\n

4. P\u016fj\u010dku lze sjednat jen na internetu nebo po telefonu<\/strong><\/h2>\n\n\n\n

Jist\u011b, i klasickou p\u016fj\u010dku si m\u016f\u017eete sjednat online, ale z\u00e1rove\u0148 m\u00e1te mo\u017enost zastavit se na pobo\u010dce a probrat podrobnosti s bankovn\u00edm poradcem. N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti naproti tomu n\u011bkdy p\u016fsob\u00ed, jako by za nimi ani nest\u00e1li re\u00e1ln\u00ed lid\u00e9<\/strong>, ale sp\u00ed\u0161 chyt\u0159\u00ed roboti na vypl\u00e1cen\u00ed pen\u011bz a rozes\u00edl\u00e1n\u00ed SMS zpr\u00e1v a e-mail\u016f. Tyto firmy \u010dasto nab\u00edzej\u00ed nap\u0159. takzvan\u00e9 sms p\u016fj\u010dky<\/strong> nebo finsk\u00e9 p\u016fj\u010dky<\/strong>, kter\u00e9 l\u00e1kaj\u00ed na pen\u00edze na \u00fa\u010dtu do 15 minut od schv\u00e1len\u00ed nebo i m\u00e9n\u011b. Zpravidla nemaj\u00ed kamenn\u00e9 pobo\u010dky a nejv\u011bt\u0161\u00ed \u010d\u00e1st jejich zam\u011bstnanc\u016f tvo\u0159\u00ed obchodn\u00ed z\u00e1stupci, kte\u0159\u00ed se \u010dasto chovaj\u00ed jako lichv\u00e1\u0159i, a maj\u00ed za \u00fakol jedin\u00e9 – vyzvednut\u00ed pen\u011bz od klient\u016f. Tak\u017ee pokud p\u0159i v\u00fdb\u011bru a sjedn\u00e1v\u00e1n\u00ed p\u016fj\u010dky up\u0159ednost\u0148ujete osobn\u00ed kontakt, u nebankovn\u00edch \u00fav\u011br\u016f a mikrop\u016fj\u010dek budete m\u00edt \u010dasto sm\u016flu.<\/p>\n\n\n\n

5. Astronomick\u00e1 v\u00fd\u0161e \u00farok\u016f a RPSN<\/strong><\/h2>\n\n\n\n

Dan\u00ed za to, \u017ee n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti p\u016fj\u010d\u00ed i lidem, kte\u0159\u00ed v bance neusp\u011bli, jsou v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u00faroky a p\u0159edev\u0161\u00edm RPSN<\/a> <\/strong>(Ro\u010dn\u00ed Procentn\u00ed Sazba N\u00e1klad\u016f), tedy \u00fadaj ud\u00e1vaj\u00edc\u00ed pr\u016fm\u011brn\u00e9 n\u00e1klady na dan\u00fd \u00fav\u011br se zapo\u010dten\u00edm v\u0161ech poplatk\u016f. RPSN se u t\u011bchto p\u016fj\u010dek (obvykle ve v\u00fd\u0161i do 30 tis\u00edc korun) pohybuje v \u0159\u00e1du stovek a\u017e tis\u00edc\u016f procent<\/strong>(!). Pro srovn\u00e1n\u00ed – u kreditn\u00edch karet je to v\u011bt\u0161inou v rozmez\u00ed 20 – 30 %.<\/p>\n\n\n\n

Abyste z\u00edskali p\u0159ehled o tom, jak se tyto sazby pohybuj\u00ed u r\u016fzn\u00fdch spole\u010dnost\u00ed, m\u016f\u017eete vyzkou\u0161et n\u011bkterou z kalkula\u010dek p\u016fj\u010dek, kter\u00e9 najdete na str\u00e1nk\u00e1ch finan\u010dn\u00edch srovn\u00e1va\u010d\u016f<\/strong> srovn\u00e1vaj\u00edc\u00ed bankovn\u00ed i nebankovn\u00ed poskytovatele \u00fav\u011br\u016f, a b\u011bhem chvilky tak zjist\u00edte, kter\u00fdm spole\u010dnostem byste se m\u011bli obloukem vyhnout. <\/p>\n","protected":false},"excerpt":{"rendered":"

Lid\u00e9, kte\u0159\u00ed pot\u0159ebuj\u00ed finan\u010dn\u00ed injekci, maj\u00ed dv\u011b mo\u017enosti, kam se mohou obr\u00e1tit. Mohou pro p\u016fj\u010dku vyrazit do banky nebo prozkoumat nab\u00eddku n\u011bkter\u00e9 z nebankovn\u00edch spole\u010dnost\u00ed. A pr\u00e1v\u011b na n\u011b se dnes zam\u011b\u0159\u00edme. I kdy\u017e n\u011bkte\u0159\u00ed z nebankovn\u00edch poskytovatel\u016f p\u016fj\u010dek nab\u00edzej\u00ed podm\u00ednky srovnateln\u00e9 s bankami, u jin\u00fdch naraz\u00edte na p\u0159emr\u0161t\u011bn\u00e9 \u00faroky a nev\u00fdhodn\u00e9 podm\u00ednky. Jak poznat, kter\u00fdm spole\u010dnostem byste se m\u011bli obloukem vyhnout?<\/p>\n","protected":false},"author":6,"featured_media":717,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23,24],"class_list":["post-718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\n5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay<\/title>\n<meta name=\"description\" content=\"Nebankovn\u00ed p\u016fj\u010dky l\u00e1kaj\u00ed na v\u00fdhodn\u00e9 podm\u00ednky, n\u00edzk\u00e9 \u00faroky a snadn\u00e9 z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Jak je to s nimi doopravdy? \ud83e\udd14\" \/>\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-tipu-jak-poznat-pochybnou-pujcku\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Nebankovn\u00ed p\u016fj\u010dky l\u00e1kaj\u00ed na v\u00fdhodn\u00e9 podm\u00ednky, n\u00edzk\u00e9 \u00faroky a snadn\u00e9 z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Jak je to s nimi doopravdy? \ud83e\udd14\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/\" \/>\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=\"2019-08-16T15:03:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T11:38:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/08\/rsz_young-791849_1920.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"5 tip\u016f jak poznat pochybnou p\u016fj\u010dku\",\"datePublished\":\"2019-08-16T15:03:49+00:00\",\"dateModified\":\"2025-10-30T11:38:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/\"},\"wordCount\":964,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/rsz_young-791849_1920.jpg\",\"keywords\":[\"Odlo\u017een\u00e1 platba\",\"P\u016fj\u010dka\",\"Tipy & Triky\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/\",\"name\":\"5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/rsz_young-791849_1920.jpg\",\"datePublished\":\"2019-08-16T15:03:49+00:00\",\"dateModified\":\"2025-10-30T11:38:10+00:00\",\"description\":\"Nebankovn\u00ed p\u016fj\u010dky l\u00e1kaj\u00ed na v\u00fdhodn\u00e9 podm\u00ednky, n\u00edzk\u00e9 \u00faroky a snadn\u00e9 z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Jak je to s nimi doopravdy? \ud83e\udd14\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#primaryimage\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/rsz_young-791849_1920.jpg\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/rsz_young-791849_1920.jpg\",\"width\":1920,\"height\":1280,\"caption\":\"Rozpoznat nev\u00fdhodnou p\u016fj\u010dku nen\u00ed slo\u017eit\u00e9, kdy\u017e v\u00edte, co sledovat.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-poznat-pochybnou-pujcku\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"5 tip\u016f jak poznat pochybnou p\u016fj\u010dku\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"name\":\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\",\"name\":\"Skip Pay\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"width\":1200,\"height\":440,\"caption\":\"Skip Pay\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\",\"name\":\"Tomas Krasny\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"caption\":\"Tomas Krasny\"},\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/author\\\/tomask\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay","description":"Nebankovn\u00ed p\u016fj\u010dky l\u00e1kaj\u00ed na v\u00fdhodn\u00e9 podm\u00ednky, n\u00edzk\u00e9 \u00faroky a snadn\u00e9 z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Jak je to s nimi doopravdy? \ud83e\udd14","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/","og_locale":"en_US","og_type":"article","og_title":"5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay","og_description":"Nebankovn\u00ed p\u016fj\u010dky l\u00e1kaj\u00ed na v\u00fdhodn\u00e9 podm\u00ednky, n\u00edzk\u00e9 \u00faroky a snadn\u00e9 z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Jak je to s nimi doopravdy? \ud83e\udd14","og_url":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/","og_site_name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","article_published_time":"2019-08-16T15:03:49+00:00","article_modified_time":"2025-10-30T11:38:10+00:00","og_image":[{"width":1920,"height":1280,"url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/08\/rsz_young-791849_1920.jpg","type":"image\/jpeg"}],"author":"Tomas Krasny","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tomas Krasny","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#article","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/"},"author":{"name":"Tomas Krasny","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/0709c74afc237a8e037d9b2e5578b164"},"headline":"5 tip\u016f jak poznat pochybnou p\u016fj\u010dku","datePublished":"2019-08-16T15:03:49+00:00","dateModified":"2025-10-30T11:38:10+00:00","mainEntityOfPage":{"@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/"},"wordCount":964,"commentCount":2,"publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"image":{"@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/08\/rsz_young-791849_1920.jpg","keywords":["Odlo\u017een\u00e1 platba","P\u016fj\u010dka","Tipy & Triky"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/","url":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/","name":"5 jednoduch\u00fdch tip\u016f, jak poznat pochybnou p\u016fj\u010dku | Skip Pay","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#primaryimage"},"image":{"@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/08\/rsz_young-791849_1920.jpg","datePublished":"2019-08-16T15:03:49+00:00","dateModified":"2025-10-30T11:38:10+00:00","description":"Nebankovn\u00ed p\u016fj\u010dky l\u00e1kaj\u00ed na v\u00fdhodn\u00e9 podm\u00ednky, n\u00edzk\u00e9 \u00faroky a snadn\u00e9 z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Jak je to s nimi doopravdy? \ud83e\udd14","breadcrumb":{"@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#primaryimage","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/08\/rsz_young-791849_1920.jpg","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/08\/rsz_young-791849_1920.jpg","width":1920,"height":1280,"caption":"Rozpoznat nev\u00fdhodnou p\u016fj\u010dku nen\u00ed slo\u017eit\u00e9, kdy\u017e v\u00edte, co sledovat."},{"@type":"BreadcrumbList","@id":"https:\/\/skippay.cz\/blog\/5-tipu-jak-poznat-pochybnou-pujcku\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/skippay.cz\/blog\/"},{"@type":"ListItem","position":2,"name":"5 tip\u016f jak poznat pochybnou p\u016fj\u010dku"}]},{"@type":"WebSite","@id":"https:\/\/skippay.cz\/blog\/#website","url":"https:\/\/skippay.cz\/blog\/","name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","description":"","publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/skippay.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/skippay.cz\/blog\/#organization","name":"Skip Pay","url":"https:\/\/skippay.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","width":1200,"height":440,"caption":"Skip Pay"},"image":{"@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/0709c74afc237a8e037d9b2e5578b164","name":"Tomas Krasny","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","caption":"Tomas Krasny"},"url":"https:\/\/skippay.cz\/blog\/author\/tomask\/"}]}},"_links":{"self":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/comments?post=718"}],"version-history":[{"count":8,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/718\/revisions"}],"predecessor-version":[{"id":11928,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/718\/revisions\/11928"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media\/717"}],"wp:attachment":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media?parent=718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/categories?post=718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/tags?post=718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}