{"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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/","title":{"rendered":"Ako ovplyv\u0148uje zmluva o telefonovan\u00ed va\u0161e kreditn\u00e9 sk\u00f3re?"},"content":{"rendered":"<p>V modernom svete sa mobiln\u00e9 telef\u00f3ny stali nevyhnutnos\u0165ou. Na\u0161e telef\u00f3ny zohr\u00e1vaj\u00fa d\u00f4le\u017eit\u00fa \u00falohu - od udr\u017eiavania kontaktu s rodinou a priate\u013emi a\u017e po sledovanie najnov\u0161\u00edch spr\u00e1v. Uva\u017eovali ste v\u0161ak niekedy o tom, ak\u00fd vplyv m\u00f4\u017ee ma\u0165 podp\u00edsanie zmluvy na telef\u00f3n na va\u0161e <a href=\"https:\/\/blog.lebara.co.uk\/sk\/how-to-get-a-contract-phone-with-poor-credit\/\">\u00faverov\u00e9 sk\u00f3re<\/a> a \u010fal\u0161ie aspekty v\u00e1\u0161ho finan\u010dn\u00e9ho \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=\"Prep\u00ednanie tabu\u013eky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Prep\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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#Phone_Contract_Affect\" >Ovplyvnenie telef\u00f3nnej zmluvy<\/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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#Does_a_Phone_Contract_Affect_Credit_Score\" >Ovplyv\u0148uje zmluva o telef\u00f3ne kreditn\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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#Does_Getting_a_Phone_Contract_Affect_Your_Credit_Score\" >Ovplyv\u0148uje zmluva o telefonovan\u00ed va\u0161e kreditn\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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#Does_a_Phone_Contract_Affect_Mortgage\" >M\u00e1 zmluva o telefonovan\u00ed vplyv 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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#Will_a_New_Phone_Contract_Affect_My_Mortgage_Application\" >Ovplyvn\u00ed nov\u00e1 telef\u00f3nna zmluva moju \u017eiados\u0165 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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#Will_an_IVA_Affect_My_Phone_Contract\" >Ovplyvn\u00ed IVA moju zmluvu na telef\u00f3n?<\/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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#Does_Phone_Contract_Affect_Credit_Score_%E2%80%93_Alternative_Options_to_Consider\" >M\u00e1 zmluva o telef\u00f3ne vplyv na kreditn\u00e9 sk\u00f3re - alternat\u00edvne mo\u017enosti, ktor\u00e9 treba zv\u00e1\u017ei\u0165<\/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\/sk\/how-does-a-phone-contract-affect-your-credit-score\/#SIM-only_rolling_contracts_are_an_ideal_solution_for\" >K\u013azav\u00e9 zmluvy len na SIM kartu s\u00fa ide\u00e1lnym rie\u0161en\u00edm pre:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Phone_Contract_Affect\"><\/span>Ovplyvnenie telef\u00f3nnej zmluvy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Telef\u00f3nne zmluvy sa m\u00f4\u017eu zda\u0165 jednoduch\u00e9. Dostanete telef\u00f3n a ur\u010dit\u00fd po\u010det min\u00fat, spr\u00e1v a gigabajtov d\u00e1t ako pr\u00edspevok. V\u00fdmenou za to sa zavia\u017eete, \u017ee ka\u017ed\u00fd mesiac zaplat\u00edte ur\u010dit\u00fa sumu pe\u0148az\u00ed. Je to v\u0161ak finan\u010dn\u00e1 zmluva ako ka\u017ed\u00e1 in\u00e1 a m\u00f4\u017ee ma\u0165 vplyv na v\u00e1\u0161 \u0161ir\u0161\u00ed finan\u010dn\u00fd 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>Ovplyv\u0148uje zmluva o telef\u00f3ne kreditn\u00e9 sk\u00f3re?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Odpove\u010f je \u00e1no, je to tak. Pri podpise zmluvy o telefonovan\u00ed s telef\u00f3nom m\u00f4\u017ee oper\u00e1tor vykona\u0165 kontrolu kreditu, aby zistil, \u010di ste spo\u013eahliv\u00fd z\u00e1kazn\u00edk. T\u00e1to kontrola zanech\u00e1 stopu vo va\u0161ej \u00faverovej spr\u00e1ve - bez oh\u013eadu na to, \u010di ste kontrolou pre\u0161li alebo nie.<\/p>\n\n\n\n<p>Po uzavret\u00ed zmluvy o telefonovan\u00ed m\u00f4\u017eu pravideln\u00e9 a v\u010dasn\u00e9 platby za telef\u00f3nny \u00fa\u010det zlep\u0161i\u0165 va\u0161e kreditn\u00e9 sk\u00f3re a uk\u00e1za\u0165 v\u00e1s ostatn\u00fdm verite\u013eom ako zodpovedn\u00e9ho dl\u017en\u00edka. Na druhej strane, oneskoren\u00e9 alebo zme\u0161kan\u00e9 platby m\u00f4\u017eu po\u0161kodi\u0165 va\u0161e kreditn\u00e9 sk\u00f3re. Je ve\u013emi d\u00f4le\u017eit\u00e9, aby ste zmluvu o telefonovan\u00ed vn\u00edmali ako z\u00e1v\u00e4zok podobne ako ak\u00fako\u013evek in\u00fa \u00faverov\u00fa zmluvu, napr\u00edklad p\u00f4\u017ei\u010dku alebo kreditn\u00fa kartu.&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>Ovplyv\u0148uje zmluva o telefonovan\u00ed va\u0161e kreditn\u00e9 sk\u00f3re?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Za\u010diatok platnosti novej telef\u00f3nnej zmluvy ovplyv\u0148uje va\u0161e kreditn\u00e9 sk\u00f3re dvoma z\u00e1kladn\u00fdmi sp\u00f4sobmi. Po prv\u00e9, ke\u010f poskytovatelia vykonaj\u00fa po\u010diato\u010dn\u00fa kontrolu \u00faverovej bonity, zaznamen\u00e1 sa to ako tvrd\u00fd dotaz vo va\u0161ej spr\u00e1ve. Zatia\u013e \u010do jedna tvrd\u00e1 kontrola nemus\u00ed ma\u0165 pr\u00edli\u0161 ve\u013ek\u00fd vplyv na va\u0161e kreditn\u00e9 sk\u00f3re, viacero dopytov v kr\u00e1tkom \u010dase m\u00f4\u017ee. Po druh\u00e9, ako zmluva pokra\u010duje, sp\u00f4sob, ak\u00fdm rie\u0161ite platby, ovplyvn\u00ed va\u0161e sk\u00f3re bu\u010f pozit\u00edvne, alebo negat\u00edvne.<\/p>\n\n\n\n<p>Ak chcete telef\u00f3nny pau\u0161\u00e1l, ale nechcete, aby to ovplyvnilo va\u0161e kreditn\u00e9 sk\u00f3re, pau\u0161\u00e1ly Lebara len na SIM kartu nezah\u0155\u0148aj\u00fa kontrolu kreditu. Navy\u0161e, ke\u010f\u017ee nie ste viazan\u00ed na \u017eiadnu dobu, nebude ma\u0165 vplyv ani vynechanie 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 zmluva o telefonovan\u00ed vplyv na hypot\u00e9ku?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Aj ke\u010f sa to m\u00f4\u017ee zda\u0165 nes\u00favisiace, medzi telef\u00f3nnymi zmluvami a hypot\u00e9kami existuje s\u00favislos\u0165. Ak si kupujete dom, poskytovatelia hypotek\u00e1rnych \u00faverov posudzuj\u00fa va\u0161u spo\u013eahlivos\u0165 na z\u00e1klade va\u0161ej \u00faverovej hist\u00f3rie.<\/p>\n\n\n\n<p>Ke\u010f\u017ee hypot\u00e9ka predstavuje obrovsk\u00fa sumu pe\u0148az\u00ed, veritelia zvy\u010dajne d\u00f4kladne preveria va\u0161e financie. A neh\u013eadaj\u00fa len do o\u010d\u00ed bij\u00face probl\u00e9my, ako s\u00fa obrovsk\u00e9 dlhy na kreditn\u00fdch kart\u00e1ch alebo nespl\u00e1can\u00e9 \u00favery. V\u0161\u00edmaj\u00fa si aj men\u0161ie, pravideln\u00e9 z\u00e1v\u00e4zky, ako s\u00fa napr\u00edklad zmluvy na telef\u00f3n.<\/p>\n\n\n\n<p>Ak ste d\u00f4sledne platili telef\u00f3nnu zmluvu, m\u00f4\u017ee to by\u0165 vo v\u00e1\u0161 prospech. Av\u0161ak s\u00fastavn\u00e9 oneskoren\u00e9 platby za telef\u00f3n by mohli by\u0165 pre potenci\u00e1lnych verite\u013eov \u010dervenou vlajkou, ktor\u00e1 by ich mohla vies\u0165 k obav\u00e1m, \u010di v\u00e1m po\u017ei\u010daj\u00fa ve\u013ek\u00fa sumu pe\u0148az\u00ed na k\u00fapu nehnute\u013enosti.<\/p>\n\n\n\n<p>Hoci je nepravdepodobn\u00e9, \u017ee by zmluva o telefonovan\u00ed bola jedin\u00fdm d\u00f4vodom zamietnutia hypot\u00e9ky, potenci\u00e1lne by mohla ma\u0165 vplyv na pon\u00fakan\u00fa \u00farokov\u00fa sadzbu. Veritelia by mohli pova\u017eova\u0165 osoby s nepravidelnou platobnou hist\u00f3riou za rizikovej\u0161ie, \u010do by mohlo vies\u0165 k vy\u0161\u0161\u00edm \u00farokov\u00fdm sadzb\u00e1m alebo pr\u00edsnej\u0161\u00edm podmienkam 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>Ovplyvn\u00ed nov\u00e1 telef\u00f3nna zmluva moju \u017eiados\u0165 o hypot\u00e9ku?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Z kr\u00e1tkodob\u00e9ho h\u013eadiska m\u00f4\u017ee za\u010datie nov\u00e9ho telefonick\u00e9ho kontaktu sp\u00f4sobi\u0165 mierny pokles v\u00e1\u0161ho kreditn\u00e9ho sk\u00f3re v d\u00f4sledku n\u00e1ro\u010dn\u00e9ho h\u013eadania. Ak ste na pokraji \u017eiadosti o hypot\u00e9ku, je rozumn\u00e9 ma\u0165 to na pam\u00e4ti. V\u00e4\u010d\u0161ina hypotek\u00e1rnych a finan\u010dn\u00fdch poradcov v\u00e1m neodpor\u00fa\u010da bra\u0165 si \u017eiadne nov\u00e9 formy \u00faveru vr\u00e1tane telef\u00f3nnej zmluvy, ak ste v procese k\u00fapy domu. Je to preto, \u017ee poskytovatelia hypotek\u00e1rnych \u00faverov by si mohli viacn\u00e1sobn\u00e9 \u0165a\u017ek\u00e9 h\u013eadanie vysvetli\u0165 ako znak finan\u010dnej tiesne. Navy\u0161e, aj ke\u010f v\u00e1m bude schv\u00e1len\u00e1 zmluva o telef\u00f3ne, nov\u00fd finan\u010dn\u00fd z\u00e1v\u00e4zok by mohol ovplyvni\u0165 va\u0161u dostupnos\u0165, a teda aj ponuku hypot\u00e9ky. Najlep\u0161\u00edm rie\u0161en\u00edm je po\u010dka\u0165, k\u00fdm v\u00e1m bude hypot\u00e9ka schv\u00e1len\u00e1 a k\u00fdm dostanete k\u013e\u00fa\u010de od nov\u00e9ho domu, a a\u017e potom po\u017eiada\u0165 o \u010fal\u0161\u00ed \u00faver.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_an_IVA_Affect_My_Phone_Contract\"><\/span>Ovplyvn\u00ed IVA moju zmluvu na telef\u00f3n?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Individu\u00e1lna dobrovo\u013en\u00e1 dohoda (IVA) je form\u00e1lna dohoda s verite\u013emi o splaten\u00ed va\u0161ich dlhov po\u010das stanoven\u00e9ho obdobia. Ak m\u00e1te IVA alebo o nej uva\u017eujete, treba ma\u0165 na pam\u00e4ti, \u017ee to m\u00f4\u017ee skomplikova\u0165 uzavretie zmluvy na telef\u00f3n. Mnoh\u00ed poskytovatelia ju toti\u017e pova\u017euj\u00fa za ukazovate\u013e finan\u010dnej nestability. M\u00f4\u017ee to ovplyvni\u0165 aj existuj\u00face telef\u00f3nne zmluvy. Pred uzavret\u00edm IVA je dobr\u00e9 pre\u010d\u00edta\u0165 si zmluvn\u00e9 podmienky alebo sa poradi\u0165 s poskytovate\u013eom.<\/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 zmluva o telef\u00f3ne vplyv na kreditn\u00e9 sk\u00f3re - alternat\u00edvne mo\u017enosti, ktor\u00e9 treba zv\u00e1\u017ei\u0165<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Je zrejm\u00e9, \u017ee vz\u0165ah medzi telef\u00f3nnymi zmluvami a kreditn\u00fdm sk\u00f3re je zlo\u017eitej\u0161\u00ed, ne\u017e by ste si mohli p\u00f4vodne myslie\u0165. Ke\u010f podp\u00ed\u0161ete typick\u00fa telef\u00f3nnu zmluvu, uzatv\u00e1rate finan\u010dn\u00fa dohodu. Poskytovate\u013e v\u00e1m d\u00f4veruje, \u017ee v\u00fdmenou za slu\u017ebu budete plati\u0165 dohodnut\u00e9 mesa\u010dn\u00e9 platby.<\/p>\n\n\n\n<p>Ale \u010do ak sa ob\u00e1vate vplyvu telef\u00f3nnej zmluvy na va\u0161e kreditn\u00e9 sk\u00f3re alebo sa jednoducho chcete vyhn\u00fa\u0165 z\u00e1v\u00e4zkom? Dobrou spr\u00e1vou je, \u017ee s\u00fa k dispoz\u00edcii alternat\u00edvne mo\u017enosti, vr\u00e1tane priebe\u017en\u00fdch pl\u00e1nov Lebara len na SIM kartu.<\/p>\n\n\n\n<p>Pre t\u00fdch, ktor\u00ed sa ob\u00e1vaj\u00fa kontroly \u00faverov, s\u00fa v procese \u017eiadosti o hypot\u00e9ku, v IVA, maj\u00fa zl\u00e9 \u00faverov\u00e9 sk\u00f3re alebo jednoducho h\u013eadaj\u00fa v\u00e4\u010d\u0161iu flexibilitu, s\u00fa k\u013azav\u00e9 pl\u00e1ny len na SIM karte vhodn\u00fdm rie\u0161en\u00edm. Tieto pau\u0161\u00e1ly toti\u017e funguj\u00fa na mesa\u010dnej b\u00e1ze bez dlhodob\u00e9ho z\u00e1v\u00e4zku typickej zmluvy.<\/p>\n\n\n\n<p>Charakteristickou \u010drtou t\u00fdchto pl\u00e1nov je, \u017ee nemaj\u00fa \u017eiadne kontroly kreditu. Ke\u010f\u017ee s\u00fa\u010das\u0165ou nie je \u017eiadne zariadenie - len SIM karta a slu\u017eba - ani jedna strana nem\u00e1 \u010do strati\u0165, ak nezaplat\u00edte, okrem poskytovanej slu\u017eby. Predstavte si to ako n\u00e1kup t\u00fd\u017edenn\u00fdch potrav\u00edn - niektor\u00e9 t\u00fd\u017edne si mo\u017eno niektor\u00e9 produkty nek\u00fapite, preto\u017ee ich nepotrebujete.<\/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>K\u013azav\u00e9 zmluvy len na SIM kartu s\u00fa ide\u00e1lnym rie\u0161en\u00edm pre:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Jednotlivci, ktor\u00ed si buduj\u00fa \u00faver:<\/strong> Ak ste vo svete \u00faverov nov\u00e1\u010dikom alebo pracujete na obnove po\u0161koden\u00e9ho kreditn\u00e9ho sk\u00f3re, pl\u00e1n len na SIM karte v\u00e1m pom\u00f4\u017ee vyhn\u00fa\u0165 sa pridaniu \u010fal\u0161ieho \u00faverov\u00e9ho r\u00e1mca do v\u00e1\u0161ho z\u00e1znamu.<\/li><li><strong>T\u00ed, ktor\u00ed h\u013eadaj\u00fa flexibilitu:<\/strong> Nie ka\u017ed\u00fd je r\u00e1d viazan\u00fd zmluvou na 12 alebo 24 mesiacov. S kartou SIM-only m\u00f4\u017eete \u013eah\u0161ie meni\u0165 pau\u0161\u00e1ly alebo dokonca poskytovate\u013eov.<\/li><li><strong>Pou\u017e\u00edvatelia, ktor\u00ed dbaj\u00fa na rozpo\u010det:<\/strong> Bez n\u00e1kladov na telef\u00f3n v bal\u00edku s\u00fa pau\u0161\u00e1ly len so SIM kartou \u010dasto ove\u013ea dostupnej\u0161ie a umo\u017e\u0148uj\u00fa v\u00e1m lep\u0161ie kontrolova\u0165 mesa\u010dn\u00e9 v\u00fddavky.<\/li><\/ul>\n\n\n\n<p>Zmluvy o mobilnom telef\u00f3ne s\u00fa s\u00edce popul\u00e1rnym sp\u00f4sobom, ako si zaobstara\u0165 telef\u00f3n, ale s\u00fa viac ne\u017e len sp\u00f4sobom, ako z\u00edska\u0165 najnov\u0161\u00ed iPhone alebo <a href=\"https:\/\/blog.lebara.co.uk\/sk\/a-guide-to-the-best-budget-samsung-phones\/\">Samsung<\/a> telef\u00f3n do va\u0161ich r\u00fak. Predstavuj\u00fa finan\u010dn\u00fa zodpovednos\u0165, ktor\u00e1 m\u00f4\u017ee ovplyvni\u0165 va\u0161e kreditn\u00e9 sk\u00f3re, bud\u00face finan\u010dn\u00e9 snahy a dokonca aj bud\u00facu \u00farokov\u00fa sadzbu a podmienky hypot\u00e9ky. Z tohto d\u00f4vodu je ve\u013emi d\u00f4le\u017eit\u00e9, aby ste k z\u00edskaniu zmluvy na telef\u00f3n v\u017edy pristupovali s n\u00e1le\u017eitou starostlivos\u0165ou. Pam\u00e4tajte, \u017ee ak nechcete by\u0165 preverovan\u00ed z h\u013eadiska \u00faverovej bonity alebo sa v\u00e1m nep\u00e1\u010di predstava, \u017ee by ste sa zaviazali plati\u0165 mesa\u010dn\u00e9 spl\u00e1tky tak dlho, oplat\u00ed sa presk\u00fama\u0165 dostupn\u00e9 alternat\u00edvne mo\u017enosti.<\/p>","protected":false},"excerpt":{"rendered":"<p>V modernom svete sa mobiln\u00e9 telef\u00f3ny stali nevyhnutnos\u0165ou. Na\u0161e telef\u00f3ny zohr\u00e1vaj\u00fa d\u00f4le\u017eit\u00fa \u00falohu - od udr\u017eiavania kontaktu s rodinou a priate\u013emi a\u017e po sledovanie najnov\u0161\u00edch spr\u00e1v. Uva\u017eovali ste v\u0161ak niekedy o tom, ako m\u00f4\u017ee podp\u00edsanie zmluvy o telefonovan\u00ed ovplyvni\u0165 va\u0161e kreditn\u00e9 sk\u00f3re a \u010fal\u0161ie aspekty v\u00e1\u0161ho finan\u010dn\u00e9ho \u017eivota? Telef\u00f3n...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/sk\/how-does-a-phone-contract-affect-your-credit-score\/\">\u010c\u00edtajte viac<\/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\/sk\/wp-json\/wp\/v2\/posts\/916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/comments?post=916"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/posts\/916\/revisions"}],"predecessor-version":[{"id":974,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/posts\/916\/revisions\/974"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/media?parent=916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/categories?post=916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/tags?post=916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}