{"id":916,"date":"2023-09-06T13:08:00","date_gmt":"2023-09-06T12:08:00","guid":{"rendered":"https:\/\/mobile.lebara.com\/gb\/en\/blog\/?p=916"},"modified":"2023-09-27T13:23:04","modified_gmt":"2023-09-27T12:23:04","slug":"how-does-a-phone-contract-affect-your-credit-score","status":"publish","type":"post","link":"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/","title":{"rendered":"Jak ovliv\u0148uje telefonn\u00ed smlouva va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re?"},"content":{"rendered":"<p>V modern\u00edm sv\u011bt\u011b se mobiln\u00ed telefony staly nezbytnost\u00ed. Na\u0161e telefony hraj\u00ed d\u016fle\u017eitou roli - od udr\u017eov\u00e1n\u00ed spojen\u00ed s rodinou a p\u0159\u00e1teli a\u017e po sledov\u00e1n\u00ed nejnov\u011bj\u0161\u00edch zpr\u00e1v. Uva\u017eovali jste ale n\u011bkdy o tom, jak\u00fd dopad m\u016f\u017ee m\u00edt uzav\u0159en\u00ed smlouvy na telefon na va\u0161e zdrav\u00ed? <a href=\"https:\/\/blog.lebara.co.uk\/cs\/how-to-get-a-contract-phone-with-poor-credit\/\">\u00fav\u011brov\u00e9 sk\u00f3re<\/a> a dal\u0161\u00ed aspekty va\u0161eho finan\u010dn\u00edho \u017eivota?<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"P\u0159epnut\u00ed tabulky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">P\u0159ep\u00edna\u010d<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#Phone_Contract_Affect\" >Vliv telefonn\u00ed smlouvy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#Does_a_Phone_Contract_Affect_Credit_Score\" >M\u00e1 smlouva o telefonn\u00edm hovoru vliv na \u00fav\u011brov\u00e9 sk\u00f3re?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#Does_Getting_a_Phone_Contract_Affect_Your_Credit_Score\" >M\u00e1 uzav\u0159en\u00ed smlouvy na telefon vliv na va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#Does_a_Phone_Contract_Affect_Mortgage\" >M\u00e1 telefonn\u00ed smlouva vliv na hypot\u00e9ku?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#Will_a_New_Phone_Contract_Affect_My_Mortgage_Application\" >Ovlivn\u00ed nov\u00e1 telefonn\u00ed smlouva moji \u017e\u00e1dost o hypot\u00e9ku?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#Will_an_IVA_Affect_My_Phone_Contract\" >Bude m\u00edt IVA vliv na mou smlouvu o telefonn\u00edm \u00fa\u010dtu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#Does_Phone_Contract_Affect_Credit_Score_%E2%80%93_Alternative_Options_to_Consider\" >M\u00e1 smlouva o telefonu vliv na kreditn\u00ed sk\u00f3re - alternativn\u00ed mo\u017enosti, kter\u00e9 je t\u0159eba zv\u00e1\u017eit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/#SIM-only_rolling_contracts_are_an_ideal_solution_for\" >Klouzav\u00e9 smlouvy pouze na SIM kartu jsou ide\u00e1ln\u00edm \u0159e\u0161en\u00edm pro:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Phone_Contract_Affect\"><\/span>Vliv telefonn\u00ed smlouvy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Telefonn\u00ed smlouvy se mohou zd\u00e1t jednoduch\u00e9. Dostanete telefon a ur\u010dit\u00fd po\u010det minut, textov\u00fdch zpr\u00e1v a gigabajt\u016f dat jako p\u0159\u00edd\u011bl. V\u00fdm\u011bnou za to se zav\u00e1\u017eete, \u017ee budete ka\u017ed\u00fd m\u011bs\u00edc platit ur\u010ditou \u010d\u00e1stku. Je to v\u0161ak finan\u010dn\u00ed smlouva jako ka\u017ed\u00e1 jin\u00e1 a m\u016f\u017ee m\u00edt dopad na v\u00e1\u0161 \u0161ir\u0161\u00ed finan\u010dn\u00ed obraz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_a_Phone_Contract_Affect_Credit_Score\"><\/span>M\u00e1 smlouva o telefonn\u00edm hovoru vliv na \u00fav\u011brov\u00e9 sk\u00f3re?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Odpov\u011b\u010f zn\u00ed ano, je to tak. Kdy\u017e se p\u0159ihl\u00e1s\u00edte k telefonn\u00ed smlouv\u011b s telefonem, m\u016f\u017ee oper\u00e1tor prov\u00e9st kontrolu va\u0161\u00ed bonity, aby zjistil, zda jste spolehliv\u00fd z\u00e1kazn\u00edk. Tato kontrola zanech\u00e1 stopu ve va\u0161\u00ed \u00fav\u011brov\u00e9 zpr\u00e1v\u011b - a\u0165 u\u017e kontrolou projdete, nebo ne.<\/p>\n\n\n\n<p>Po uzav\u0159en\u00ed telefonn\u00ed smlouvy mohou pravideln\u00e9 a v\u010dasn\u00e9 platby telefonn\u00edho \u00fa\u010dtu zlep\u0161it va\u0161e kreditn\u00ed sk\u00f3re a uk\u00e1zat v\u00e1s ostatn\u00edm v\u011b\u0159itel\u016fm jako zodpov\u011bdn\u00e9ho dlu\u017en\u00edka. Na druhou stranu opo\u017ed\u011bn\u00e9 nebo zme\u0161kan\u00e9 platby mohou va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re po\u0161kodit. Je velmi d\u016fle\u017eit\u00e9 vn\u00edmat smlouvu o telefonn\u00edm \u00fa\u010dtu jako z\u00e1vazek podobn\u011b jako jakoukoli jinou \u00fav\u011brovou smlouvu, jako jsou p\u016fj\u010dky a kreditn\u00ed karty.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_Getting_a_Phone_Contract_Affect_Your_Credit_Score\"><\/span>M\u00e1 uzav\u0159en\u00ed smlouvy na telefon vliv na va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Uzav\u0159en\u00ed nov\u00e9 telefonn\u00ed smlouvy ovliv\u0148uje va\u0161e kreditn\u00ed sk\u00f3re dv\u011bma hlavn\u00edmi zp\u016fsoby. Zaprv\u00e9, kdy\u017e poskytovatel\u00e9 provedou po\u010d\u00e1te\u010dn\u00ed kontrolu \u00fav\u011bru, je to zaznamen\u00e1no jako tvrd\u00fd dotaz ve va\u0161\u00ed zpr\u00e1v\u011b. Zat\u00edmco jedna tvrd\u00e1 kontrola nemus\u00ed m\u00edt p\u0159\u00edli\u0161 velk\u00fd vliv na va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re, v\u00edce dotaz\u016f v kr\u00e1tk\u00e9m obdob\u00ed m\u016f\u017ee. Zadruh\u00e9, v pr\u016fb\u011bhu trv\u00e1n\u00ed smlouvy ovlivn\u00ed va\u0161e sk\u00f3re zp\u016fsob, jak\u00fdm \u0159e\u0161\u00edte platby, a to bu\u010f pozitivn\u011b, nebo negativn\u011b.<\/p>\n\n\n\n<p>Pokud chcete telefonn\u00ed tarif, ale nechcete, aby to ovlivnilo va\u0161i bonitu, u tarif\u016f Lebara, kter\u00e9 jsou ur\u010deny pouze pro SIM karty, se bonita neprov\u011b\u0159uje. Nav\u00edc vzhledem k tomu, \u017ee nejste v\u00e1z\u00e1ni \u017e\u00e1dnou dobou, nebude m\u00edt vliv ani vynech\u00e1n\u00ed platby.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_a_Phone_Contract_Affect_Mortgage\"><\/span>M\u00e1 telefonn\u00ed smlouva vliv na hypot\u00e9ku?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A\u010dkoli se to m\u016f\u017ee zd\u00e1t nesouvisej\u00edc\u00ed, mezi telefonn\u00edmi smlouvami a hypot\u00e9kami existuje souvislost. Pokud kupujete d\u016fm, poskytovatel\u00e9 hypote\u010dn\u00edch \u00fav\u011br\u016f posuzuj\u00ed va\u0161i spolehlivost na z\u00e1klad\u011b va\u0161\u00ed \u00fav\u011brov\u00e9 historie.<\/p>\n\n\n\n<p>Vzhledem k tomu, \u017ee hypot\u00e9ka je tak obrovsk\u00e1 \u010d\u00e1stka, v\u011b\u0159itel\u00e9 obvykle pe\u010dliv\u011b prov\u011b\u0159uj\u00ed va\u0161e finance. A nehledaj\u00ed jen do o\u010d\u00ed bij\u00edc\u00ed probl\u00e9my, jako jsou obrovsk\u00e9 dluhy na kreditn\u00edch kart\u00e1ch nebo nesplacen\u00e9 p\u016fj\u010dky. V\u0161\u00edmaj\u00ed si i men\u0161\u00edch, pravideln\u00fdch z\u00e1vazk\u016f, jako jsou nap\u0159\u00edklad telefonn\u00ed smlouvy.<\/p>\n\n\n\n<p>Pokud jste piln\u011b platili telefonn\u00ed smlouvu, m\u016f\u017ee to b\u00fdt ve v\u00e1\u0161 prosp\u011bch. D\u016fsledn\u00e9 opo\u017ed\u011bn\u00e9 platby telefonn\u00edho \u00fa\u010dtu by v\u0161ak mohly b\u00fdt pro potenci\u00e1ln\u00ed v\u011b\u0159itele varovn\u00fdm sign\u00e1lem, kter\u00fd by je mohl p\u0159im\u011bt k obav\u00e1m, zda v\u00e1m p\u016fj\u010d\u00ed velkou \u010d\u00e1stku pen\u011bz na koupi nemovitosti.<\/p>\n\n\n\n<p>I kdy\u017e je nepravd\u011bpodobn\u00e9, \u017ee by telefonn\u00ed smlouva byla jedin\u00fdm d\u016fvodem pro zam\u00edtnut\u00ed hypot\u00e9ky, m\u016f\u017ee m\u00edt potenci\u00e1ln\u00ed vliv na nab\u00edzenou \u00farokovou sazbu. V\u011b\u0159itel\u00e9 by mohli pova\u017eovat osoby s nepravidelnou platebn\u00ed histori\u00ed za rizikov\u011bj\u0161\u00ed, co\u017e by mohlo v\u00e9st k vy\u0161\u0161\u00edm \u00farokov\u00fdm sazb\u00e1m nebo p\u0159\u00edsn\u011bj\u0161\u00edm podm\u00ednk\u00e1m hypot\u00e9ky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_a_New_Phone_Contract_Affect_My_Mortgage_Application\"><\/span>Ovlivn\u00ed nov\u00e1 telefonn\u00ed smlouva moji \u017e\u00e1dost o hypot\u00e9ku?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V kr\u00e1tkodob\u00e9m horizontu m\u016f\u017ee zah\u00e1jen\u00ed nov\u00e9ho telefonn\u00edho kontaktu zp\u016fsobit m\u00edrn\u00fd pokles va\u0161eho kreditn\u00edho sk\u00f3re v d\u016fsledku n\u00e1ro\u010dn\u00e9ho hled\u00e1n\u00ed. Pokud jste na pokraji \u017e\u00e1dosti o hypote\u010dn\u00ed \u00fav\u011br, je rozumn\u00e9 na to pamatovat. V\u011bt\u0161ina hypote\u010dn\u00edch a finan\u010dn\u00edch poradc\u016f v\u00e1m nedoporu\u010d\u00ed uzav\u00edrat \u017e\u00e1dn\u00e9 nov\u00e9 formy \u00fav\u011bru, v\u010detn\u011b telefonn\u00ed smlouvy, pokud jste v procesu koup\u011b domu. Je to proto, \u017ee poskytovatel\u00e9 hypote\u010dn\u00edch \u00fav\u011br\u016f by si mohli vylo\u017eit v\u00edcen\u00e1sobn\u00e9 n\u00e1ro\u010dn\u00e9 hled\u00e1n\u00ed jako zn\u00e1mku finan\u010dn\u00ed t\u00edsn\u011b. Nav\u00edc, i kdy\u017e v\u00e1m bude telefonn\u00ed smlouva schv\u00e1lena, nov\u00fd finan\u010dn\u00ed z\u00e1vazek by mohl ovlivnit va\u0161i finan\u010dn\u00ed dostupnost, a tedy i nab\u00eddku hypot\u00e9ky. Nejlep\u0161\u00edm \u0159e\u0161en\u00edm je po\u010dkat, a\u017e bude va\u0161e hypot\u00e9ka schv\u00e1lena a vy budete m\u00edt kl\u00ed\u010de od nov\u00e9ho domu, a teprve pot\u00e9 \u017e\u00e1dat o dal\u0161\u00ed \u00fav\u011br.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_an_IVA_Affect_My_Phone_Contract\"><\/span>Bude m\u00edt IVA vliv na mou smlouvu o telefonn\u00edm \u00fa\u010dtu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Individu\u00e1ln\u00ed dobrovoln\u00e1 dohoda (IVA) je form\u00e1ln\u00ed dohoda s v\u011b\u0159iteli o splacen\u00ed va\u0161ich dluh\u016f b\u011bhem stanoven\u00e9ho obdob\u00ed. Pokud m\u00e1te IVA nebo o n\u00ed uva\u017eujete, je t\u0159eba m\u00edt na pam\u011bti, \u017ee to m\u016f\u017ee zt\u00ed\u017eit z\u00edsk\u00e1n\u00ed telefonn\u00ed smlouvy. Je to proto, \u017ee mnoho poskytovatel\u016f ji pova\u017euje za ukazatel finan\u010dn\u00ed nestability. M\u016f\u017ee to m\u00edt vliv i na st\u00e1vaj\u00edc\u00ed telefonn\u00ed smlouvy. P\u0159ed uzav\u0159en\u00edm IVA je dobr\u00e9 si p\u0159e\u010d\u00edst smluvn\u00ed podm\u00ednky nebo se poradit s poskytovatelem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_Phone_Contract_Affect_Credit_Score_%E2%80%93_Alternative_Options_to_Consider\"><\/span>M\u00e1 smlouva o telefonu vliv na kreditn\u00ed sk\u00f3re - alternativn\u00ed mo\u017enosti, kter\u00e9 je t\u0159eba zv\u00e1\u017eit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Je z\u0159ejm\u00e9, \u017ee vztah mezi telefonn\u00edmi smlouvami a va\u0161\u00edm \u00fav\u011brov\u00fdm sk\u00f3re je slo\u017eit\u011bj\u0161\u00ed, ne\u017e byste si mohli zpo\u010d\u00e1tku myslet. Kdy\u017e podep\u00ed\u0161ete typickou telefonn\u00ed smlouvu, uzav\u00edr\u00e1te finan\u010dn\u00ed dohodu. Poskytovatel v\u00e1m v\u011b\u0159\u00ed, \u017ee v\u00fdm\u011bnou za slu\u017ebu budete platit dohodnut\u00e9 m\u011bs\u00ed\u010dn\u00ed platby.<\/p>\n\n\n\n<p>Ale co kdy\u017e se ob\u00e1v\u00e1te dopadu telefonn\u00ed smlouvy na va\u0161e kreditn\u00ed sk\u00f3re nebo se prost\u011b chcete vyhnout z\u00e1vazku? Dobrou zpr\u00e1vou je, \u017ee jsou k dispozici alternativn\u00ed mo\u017enosti, v\u010detn\u011b klouzav\u00fdch tarif\u016f pouze pro SIM kartu od spole\u010dnosti Lebara.<\/p>\n\n\n\n<p>Pro ty, kte\u0159\u00ed se ob\u00e1vaj\u00ed kontroly \u00fav\u011bruschopnosti, \u017e\u00e1daj\u00ed o hypot\u00e9ku, jsou v procesu IVA, maj\u00ed \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re nebo jednodu\u0161e hledaj\u00ed v\u011bt\u0161\u00ed flexibilitu, jsou klouzav\u00e9 tarify pouze pro SIM karty vhodn\u00fdm \u0159e\u0161en\u00edm. Tyto tarify toti\u017e funguj\u00ed m\u011bs\u00ed\u010dn\u011b bez dlouhodob\u00e9ho z\u00e1vazku typick\u00e9 smlouvy.<\/p>\n\n\n\n<p>V\u00fdrazn\u00fdm rysem t\u011bchto pl\u00e1n\u016f je, \u017ee se u nich neprov\u00e1d\u00ed \u017e\u00e1dn\u00e9 kontroly \u00fav\u011bruschopnosti. Vzhledem k tomu, \u017ee v cen\u011b nen\u00ed \u017e\u00e1dn\u00e9 za\u0159\u00edzen\u00ed - pouze SIM karta a slu\u017eba - nem\u00e1 \u017e\u00e1dn\u00e1 ze stran co ztratit, pokud nezaplat\u00edte, krom\u011b poskytovan\u00e9 slu\u017eby. P\u0159edstavte si to jako n\u00e1kup t\u00fddenn\u00edch potravin - n\u011bkter\u00e9 t\u00fddny si mo\u017en\u00e1 n\u011bkter\u00e9 produkty nekoup\u00edte, proto\u017ee je nepot\u0159ebujete.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SIM-only_rolling_contracts_are_an_ideal_solution_for\"><\/span>Klouzav\u00e9 smlouvy pouze na SIM kartu jsou ide\u00e1ln\u00edm \u0159e\u0161en\u00edm pro:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Fyzick\u00e9 osoby, kter\u00e9 si buduj\u00ed \u00fav\u011br:<\/strong> Pokud jste ve sv\u011bt\u011b \u00fav\u011br\u016f nov\u00e1\u010dkem nebo pracujete na obnov\u011b po\u0161kozen\u00e9ho kreditn\u00edho sk\u00f3re, pl\u00e1n pouze na SIM kartu v\u00e1m pom\u016f\u017ee vyhnout se p\u0159id\u00e1n\u00ed dal\u0161\u00ed \u00fav\u011brov\u00e9 linky do va\u0161eho z\u00e1znamu.<\/li><li><strong>Ti, kte\u0159\u00ed hledaj\u00ed flexibilitu:<\/strong> Ne ka\u017ed\u00e9mu vyhovuje b\u00fdt v\u00e1z\u00e1n smlouvou na 12 nebo 24 m\u011bs\u00edc\u016f. S tarifem pouze na SIM kartu m\u016f\u017eete snadno m\u011bnit tarify nebo dokonce poskytovatele.<\/li><li><strong>U\u017eivatel\u00e9, kte\u0159\u00ed maj\u00ed n\u00edzk\u00fd rozpo\u010det:<\/strong> Tarify pouze se SIM kartou jsou \u010dasto mnohem dostupn\u011bj\u0161\u00ed bez n\u00e1klad\u016f na telefon a umo\u017e\u0148uj\u00ed v\u00e1m l\u00e9pe kontrolovat m\u011bs\u00ed\u010dn\u00ed v\u00fddaje.<\/li><\/ul>\n\n\n\n<p>Smlouvy na mobiln\u00ed telefon jsou sice obl\u00edben\u00fdm zp\u016fsobem, jak si po\u0159\u00eddit telefon, ale jsou v\u00edce ne\u017e jen zp\u016fsobem, jak z\u00edskat nejnov\u011bj\u0161\u00ed iPhone nebo jin\u00fd telefon. <a href=\"https:\/\/blog.lebara.co.uk\/cs\/a-guide-to-the-best-budget-samsung-phones\/\">Samsung<\/a> telefon do rukou. P\u0159edstavuj\u00ed finan\u010dn\u00ed odpov\u011bdnost, kter\u00e1 m\u016f\u017ee ovlivnit va\u0161e kreditn\u00ed sk\u00f3re, budouc\u00ed finan\u010dn\u00ed snahy, a dokonce i budouc\u00ed \u00farokovou sazbu a podm\u00ednky hypot\u00e9ky. Z tohoto d\u016fvodu je z\u00e1sadn\u00ed, abyste k po\u0159izov\u00e1n\u00ed smlouvy na telefon p\u0159istupovali v\u017edy s pe\u010dlivost\u00ed. Nezapome\u0148te, \u017ee pokud nechcete b\u00fdt prov\u011b\u0159ov\u00e1ni z hlediska bonity nebo se v\u00e1m nel\u00edb\u00ed p\u0159edstava, \u017ee se zav\u00e1\u017eete k m\u011bs\u00ed\u010dn\u00edm spl\u00e1tk\u00e1m na tak dlouhou dobu, vyplat\u00ed se prozkoumat dostupn\u00e9 alternativn\u00ed mo\u017enosti.<\/p>","protected":false},"excerpt":{"rendered":"<p>V modern\u00edm sv\u011bt\u011b se mobiln\u00ed telefony staly nezbytnost\u00ed. Na\u0161e telefony hraj\u00ed d\u016fle\u017eitou roli - od udr\u017eov\u00e1n\u00ed spojen\u00ed s rodinou a p\u0159\u00e1teli a\u017e po sledov\u00e1n\u00ed nejnov\u011bj\u0161\u00edch zpr\u00e1v. P\u0159em\u00fd\u0161leli jste v\u0161ak n\u011bkdy o tom, jak\u00fd dopad m\u016f\u017ee m\u00edt uzav\u0159en\u00ed smlouvy na telefon na va\u0161i bonitu a dal\u0161\u00ed aspekty va\u0161eho finan\u010dn\u00edho \u017eivota? Telefonn\u00ed...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/cs\/how-does-a-phone-contract-affect-your-credit-score\/\">P\u0159e\u010dt\u011bte si v\u00edce<\/a><\/div>","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[22],"tags":[],"class_list":["post-916","post","type-post","status-publish","format-standard","hentry","category-phones","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/comments?post=916"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/916\/revisions"}],"predecessor-version":[{"id":974,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/916\/revisions\/974"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/media?parent=916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/categories?post=916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/tags?post=916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}