Koupíš teď, zaplatíš později. Skvělá nabídka, která může skončit průšvihem

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31.3.25 2*/muž, počítač, e-shop, online, šok, zděšení Autor: Deposithphotos, podle licence: Rights Managed
Ilustrační obrázek

Není nic nového, že prodejci nabízí možnost zakoupit zboží s možností platbu odložit, rozložit, případně uhradit na splátky bez úroků. Opatrnost je ovšem namístě.

V případě takové nabídky se jedná o tzv. spotřebitelský úvěr. Ten je nabízen podnikatelem vůči spotřebiteli. Podle zákona však pojem spotřebitelského úvěru zahrnuje nejen úvěr samotný, ale i peněžitou zápůjčku, kreditní kartu, kontokorent, odloženou platbu a jiné obdobné finanční služby. Spotřebitel musí úvěr splácet ve sjednaných splátkách a zaplatit úroky, pokud byly sjednány. 

Na druhou stranu i odložená platba je dluh a nese s sebou určitá rizika. Jak pro server Podnikatel.,cz potvrdil již dříve ekonom Ladislav Tyll z Vysoké školy ekonomické (VŠE): Tím největším rizikem je schopnost jednotlivce uvědomit si, že může mít současně více služeb, které využívá v rámci odložených skladeb, a zda je schopen mentálně pobrat, že je vlastně dlužníkem. Nemusí mít peníze, tak si může začít užívat daného produktu, ale jednou ho to dožene. Proto musí vědět, že to bude mít z čeho zaplatit.

Nesplácíš, zaplatíš

V případě nehrazení přichází sankce. Ty mohou mít pro spotřebitele vážné následky, zejména pokud se ocitl ve špatné finanční situaci, varuje Eduarda Hekšová, ředitelka spotřebitelské organizace dTest a dodává: Ve chvíli, kdy spotřebitel nedisponuje dostatkem peněz ani na úhradu splátky, mu může vzniknout povinnost zaplatit navíc ještě smluvní pokutu, úroky z prodlení či náklady na výzvu k zaplacení. Dojít může také k zesplatnění dluhu. Poté je po spotřebiteli požadováno, aby namísto jednotlivých splátek splatil celý dluh ihned.

Klarna slibovala odložené platby. Počet spolupracujících e-shopů je ale mizerný Přečtěte si také:

Klarna slibovala odložené platby. Počet spolupracujících e-shopů je ale mizerný

Kdy se nabídce raději vyhnout? 

Možnost odložit platbu bez úroků může mnohdy zlákat. Ale je třeba mít se na pozoru. Jak upozorňuje spotřebitelský server dTest, podezřelé mohou být příliš výhodné nabídky. Jako výstražné znamení mohou posloužit nekoherentní věty či hrubky v textu, které jsou způsobeny strojovým překladem. 

„U takových společností je riziko, že samotná služba nebude důvěryhodná anebo že jejich poskytování služeb či zákaznický podpora pro Českou republiku nebude úplně spolehlivá,“ vysvětluje Hekšová. V případě, že se s platbou zpozdíte, mohou být naúčtovány nejen zákonné úroky z prodlení, ale taky tučná pokuta a jiné poplatky.  

Jakou máte zkušenost s odloženými platbami?

Podcast na téma odložení platby

Autor aktuality

Jana Knížková píše podnikatelské aktuality. Zaměřuje se na změny zákonů, dávky, OSVČ a zpravodajství ze státní správy. Profil autorky →

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This helps the SDK to // select the correct creative if multiple are returned. // adsRequest.linearAdSlotWidth = prerollWidth; // adsRequest.linearAdSlotHeight = prerollHeight; adsRequest.nonLinearAdSlotWidth = 0; adsRequest.nonLinearAdSlotHeight = 0; adsLoader.requestAds(adsRequest); } function createAdDisplayContainer() { // We assume the adContainer is the DOM id of the element that will house // the ads. prerollDocument.getElementById('videoContent').style.display = 'none'; adDisplayContainer = new google.ima.AdDisplayContainer( prerollDocument.getElementById('adContainer'), videoContent); } function unmutePrerollAdvert() { adVolume = !adVolume; if (adVolume) { adsManager.setVolume(0.3); prerollDocument.getElementById('adMuteBtn').innerHTML = ''; } else { adsManager.setVolume(0); prerollDocument.getElementById('adMuteBtn').innerHTML = ''; } } function onAdsManagerLoaded(adsManagerLoadedEvent) { // Get the ads manager. const adsRenderingSettings = new google.ima.AdsRenderingSettings(); adsRenderingSettings.restoreCustomPlaybackStateOnAdBreakComplete = true; adsRenderingSettings.loadVideoTimeout = 12000; // videoContent should be set to the content video element. adsManager = adsManagerLoadedEvent.getAdsManager(videoContent, adsRenderingSettings); // Add listeners to the required events. adsManager.addEventListener(google.ima.AdErrorEvent.Type.AD_ERROR, onAdError); adsManager.addEventListener( google.ima.AdEvent.Type.CONTENT_PAUSE_REQUESTED, onContentPauseRequested); adsManager.addEventListener( google.ima.AdEvent.Type.CONTENT_RESUME_REQUESTED, onContentResumeRequested); adsManager.addEventListener( google.ima.AdEvent.Type.ALL_ADS_COMPLETED, onAdEvent); // Listen to any additional events, if necessary. adsManager.addEventListener(google.ima.AdEvent.Type.LOADED, onAdEvent); adsManager.addEventListener(google.ima.AdEvent.Type.STARTED, onAdEvent); adsManager.addEventListener(google.ima.AdEvent.Type.COMPLETE, onAdEvent); playAds(); } function playAds() { // Initialize the container. Must be done through a user action on mobile // devices. videoContent.load(); adDisplayContainer.initialize(); // setupDimensions(); try { // Initialize the ads manager. Ad rules playlist will start at this time. adsManager.init(1920, 1080, google.ima.ViewMode.NORMAL); // Call play to start showing the ad. Single video and overlay ads will // start at this time; the call will be ignored for ad rules. adsManager.start(); // window.addEventListener('resize', function (event) { // if (adsManager) { // setupDimensions(); // adsManager.resize(prerollWidth, prerollHeight, google.ima.ViewMode.NORMAL); // } // }); } catch (adError) { // An error may be thrown if there was a problem with the VAST response. // videoContent.play(); } } function onAdEvent(adEvent) { const ad = adEvent.getAd(); console.log('Preroll event: ' + adEvent.type); switch (adEvent.type) { case google.ima.AdEvent.Type.LOADED: if (!ad.isLinear()) { videoContent.play(); } prerollDocument.getElementById('adContainer').style.width = '100%'; prerollDocument.getElementById('adContainer').style.maxWidth = '640px'; prerollDocument.getElementById('adContainer').style.height = '360px'; break; case google.ima.AdEvent.Type.STARTED: window.addEventListener('scroll', onActiveView); if (ad.isLinear()) { intervalTimer = setInterval( function () { // Example: const remainingTime = adsManager.getRemainingTime(); // adsManager.pause(); }, 300); // every 300ms } prerollDocument.getElementById('adMuteBtn').style.display = 'block'; break; case google.ima.AdEvent.Type.ALL_ADS_COMPLETED: if (ad.isLinear()) { clearInterval(intervalTimer); } if (prerollLastError === 303) { playYtVideo(); } break; case google.ima.AdEvent.Type.COMPLETE: if (ad.isLinear()) { clearInterval(intervalTimer); } playYtVideo(); break; } } function onAdError(adErrorEvent) { console.log(adErrorEvent.getError()); prerollLastError = adErrorEvent.getError().getErrorCode(); if (!loadNext()) { playYtVideo(); } } function loadNext() { iinfoVastUrlIndex++; if (iinfoVastUrlIndex < iinfoVastUrls.length) { iinfoPrerollPosition.remove(); playPrerollAd(); } else { return false; } adVolume = 1; return true; } function onContentPauseRequested() { videoContent.pause(); } function onContentResumeRequested() { videoContent.play(); } function onActiveView() { if (prerollContainer) { const containerOffset = prerollContainer.getBoundingClientRect(); const windowHeight = window.innerHeight; if (containerOffset.top < windowHeight/1 && containerOffset.bottom > 0.0) { if (prerollPaused) { adsManager.resume(); prerollPaused = false; } return true; } else { if (!prerollPaused) { adsManager.pause(); prerollPaused = true; } } } return false; } function playYtVideo() { iinfoPrerollPosition.remove(); youtubeIframe.style.display = 'block'; youtubeIframe.src += '&autoplay=1&mute=1'; } }
Upozorníme vás na články, které by vám neměly uniknout (maximálně 2x týdně).
'; document.getElementById('outstream-iframe').onload = function () { setupIframe(); } replayScreen = document.getElementById('iinfoOutstreamReplay'); iinfoOutstreamPosition = document.getElementById('iinfoOutstreamPosition'); outstreamContainer = document.getElementsByClassName('outstream-container')[0]; setupReplayScreen(); } function setupIframe() { outstreamDocument = document.getElementById('outstream-iframe').contentWindow.document; let el = outstreamDocument.createElement('style'); outstreamDocument.head.appendChild(el); el.innerText = "#adContainer>div:nth-of-type(1),#adContainer>div:nth-of-type(1) > iframe { width: 99% !important;height: 99% !important;max-width: 100%;}#videoContent,body{ width:100vw;height:100vh}body{ font-family:'Helvetica Neue',Arial,sans-serif}#videoContent{ overflow:hidden;background:#000}#adMuteBtn{ width:35px;height:35px;border:0;background:0 0;display:none;position:absolute;fill:rgba(230,230,230,1);bottom:-5px;right:25px}"; videoContent = outstreamDocument.getElementById('contentElement'); videoContent.style.display = 'none'; videoContent.volume = 1; videoContent.muted = false; if ( location.href.indexOf('rejstriky.finance.cz') !== -1 || location.href.indexOf('finance-rejstrik') !== -1 || location.href.indexOf('firmy.euro.cz') !== -1 || location.href.indexOf('euro-rejstrik') !== -1 || location.href.indexOf('/rejstrik/') !== -1 || location.href.indexOf('/rejstrik-firem/') !== -1) { outstreamDirectPlayed = true; soundAllowed = true; iinfoVastUrlIndex = 0; } if (!outstreamDirectPlayed) { console.log('OUTSTREAM direct'); setUpIMA(true); } else { if (soundAllowed) { const playPromise = videoContent.play(); if (playPromise !== undefined) { playPromise.then(function () { console.log('OUTSTREAM sound allowed'); setUpIMA(false); }).catch(function () { console.log('OUTSTREAM sound forbidden'); renderBanner(); }); } } else { renderBanner(); } } } function getWrapper() { let articleWrapper = document.querySelector('.rs-outstream-placeholder'); // Outstream Placeholder from RedSys manipulation if (articleWrapper && articleWrapper.style.display !== 'block') { articleWrapper.innerHTML = ""; articleWrapper.style.display = 'block'; } // Don't render OutStream on homepages if (articleWrapper === null) { if (document.querySelector('body.p-index')) { return null; } } if (articleWrapper === null) { articleWrapper = document.getElementById('iinfo-outstream'); } if (articleWrapper === null) { articleWrapper = document.querySelector('.layout-main__content .detail__article p:nth-of-type(6)'); } if (articleWrapper === null) { // Euro, Autobible, Zdravi articleWrapper = document.querySelector('.o-article .o-article__text p:nth-of-type(6)'); } if (articleWrapper === null) { articleWrapper = document.getElementById('sidebar'); } if (!articleWrapper) { console.error("Outstream wrapper of article was not found."); } return articleWrapper; } function setupDimensions() { outstreamWidth = Math.min(iinfoOutstreamPosition.offsetWidth, 480); outstreamHeight = Math.min(iinfoOutstreamPosition.offsetHeight, 320); } /** * Sets up IMA ad display container, ads loader, and makes an ad request. */ function setUpIMA(direct) { google.ima.settings.setDisableCustomPlaybackForIOS10Plus(true); google.ima.settings.setLocale('cs'); google.ima.settings.setNumRedirects(10); // Create the ad display container. createAdDisplayContainer(); // Create ads loader. adsLoader = new google.ima.AdsLoader(adDisplayContainer); // Listen and respond to ads loaded and error events. adsLoader.addEventListener( google.ima.AdsManagerLoadedEvent.Type.ADS_MANAGER_LOADED, onAdsManagerLoaded, false); adsLoader.addEventListener( google.ima.AdErrorEvent.Type.AD_ERROR, onAdError, false); // An event listener to tell the SDK that our content video // is completed so the SDK can play any post-roll ads. const contentEndedListener = function () { adsLoader.contentComplete(); }; videoContent.onended = contentEndedListener; // Request video ads. const adsRequest = new google.ima.AdsRequest(); if (direct) { adsRequest.adTagUrl = directVast; console.log('Outstream DIRECT CAMPAING advert: ' + directVast); videoContent.muted = true; videoContent.volume = 0; outstreamDirectPlayed = true; } else { adsRequest.adTagUrl = iinfoVastUrls[iinfoVastUrlIndex]; console.log('Outstream advert: ' + iinfoVastUrls[iinfoVastUrlIndex]); videoContent.muted = false; videoContent.volume = 1; } // Specify the linear and nonlinear slot sizes. This helps the SDK to // select the correct creative if multiple are returned. // adsRequest.linearAdSlotWidth = outstreamWidth; // adsRequest.linearAdSlotHeight = outstreamHeight; adsRequest.nonLinearAdSlotWidth = 0; adsRequest.nonLinearAdSlotHeight = 0; adsLoader.requestAds(adsRequest); } function setupReplayScreen() { replayScreen.addEventListener('click', function () { iinfoOutstreamPosition.remove(); iinfoVastUrlIndex = 0; outstreamInit(); }); } /** * Sets the 'adContainer' div as the IMA ad display container. */ function createAdDisplayContainer() { // We assume the adContainer is the DOM id of the element that will house // the ads. outstreamDocument.getElementById('videoContent').style.display = 'none'; adDisplayContainer = new google.ima.AdDisplayContainer( outstreamDocument.getElementById('adContainer'), videoContent); } function unmuteAdvert() { adVolume = !adVolume; if (adVolume) { adsManager.setVolume(0.3); outstreamDocument.getElementById('adMuteBtn').innerHTML = ''; } else { adsManager.setVolume(0); outstreamDocument.getElementById('adMuteBtn').innerHTML = ''; } } /** * Loads the video content and initializes IMA ad playback. */ function playAds() { // Initialize the container. Must be done through a user action on mobile // devices. videoContent.load(); adDisplayContainer.initialize(); // setupDimensions(); try { // Initialize the ads manager. Ad rules playlist will start at this time. adsManager.init(1920, 1080, google.ima.ViewMode.NORMAL); // Call play to start showing the ad. Single video and overlay ads will // start at this time; the call will be ignored for ad rules. adsManager.start(); // window.addEventListener('resize', function (event) { // if (adsManager) { // setupDimensions(); // adsManager.resize(outstreamWidth, outstreamHeight, google.ima.ViewMode.NORMAL); // } // }); } catch (adError) { // An error may be thrown if there was a problem with the VAST response. // videoContent.play(); } } /** * Handles the ad manager loading and sets ad event listeners. * @param { !google.ima.AdsManagerLoadedEvent } adsManagerLoadedEvent */ function onAdsManagerLoaded(adsManagerLoadedEvent) { // Get the ads manager. const adsRenderingSettings = new google.ima.AdsRenderingSettings(); adsRenderingSettings.restoreCustomPlaybackStateOnAdBreakComplete = true; adsRenderingSettings.loadVideoTimeout = 12000; // videoContent should be set to the content video element. adsManager = adsManagerLoadedEvent.getAdsManager(videoContent, adsRenderingSettings); // Add listeners to the required events. adsManager.addEventListener(google.ima.AdErrorEvent.Type.AD_ERROR, onAdError); adsManager.addEventListener( google.ima.AdEvent.Type.CONTENT_PAUSE_REQUESTED, onContentPauseRequested); adsManager.addEventListener( google.ima.AdEvent.Type.CONTENT_RESUME_REQUESTED, onContentResumeRequested); adsManager.addEventListener( google.ima.AdEvent.Type.ALL_ADS_COMPLETED, onAdEvent); // Listen to any additional events, if necessary. adsManager.addEventListener(google.ima.AdEvent.Type.LOADED, onAdEvent); adsManager.addEventListener(google.ima.AdEvent.Type.STARTED, onAdEvent); adsManager.addEventListener(google.ima.AdEvent.Type.COMPLETE, onAdEvent); playAds(); } /** * Handles actions taken in response to ad events. * @param { !google.ima.AdEvent } adEvent */ function onAdEvent(adEvent) { // Retrieve the ad from the event. Some events (for example, // ALL_ADS_COMPLETED) don't have ad object associated. const ad = adEvent.getAd(); console.log('Outstream event: ' + adEvent.type); switch (adEvent.type) { case google.ima.AdEvent.Type.LOADED: // This is the first event sent for an ad - it is possible to // determine whether the ad is a video ad or an overlay. if (!ad.isLinear()) { // Position AdDisplayContainer correctly for overlay. // Use ad.width and ad.height. videoContent.play(); } outstreamDocument.getElementById('adContainer').style.width = '100%'; outstreamDocument.getElementById('adContainer').style.maxWidth = '640px'; outstreamDocument.getElementById('adContainer').style.height = '360px'; break; case google.ima.AdEvent.Type.STARTED: window.addEventListener('scroll', onActiveView); // This event indicates the ad has started - the video player // can adjust the UI, for example display a pause button and // remaining time. if (ad.isLinear()) { // For a linear ad, a timer can be started to poll for // the remaining time. intervalTimer = setInterval( function () { // Example: const remainingTime = adsManager.getRemainingTime(); // adsManager.pause(); }, 300); // every 300ms } outstreamDocument.getElementById('adMuteBtn').style.display = 'block'; break; case google.ima.AdEvent.Type.ALL_ADS_COMPLETED: if (ad.isLinear()) { clearInterval(intervalTimer); } if (outstreamLastError === 303) { if (isBanner) { renderBanner(); } else { replayScreen.style.display = 'flex'; } } break; case google.ima.AdEvent.Type.COMPLETE: // This event indicates the ad has finished - the video player // can perform appropriate UI actions, such as removing the timer for // remaining time detection. if (ad.isLinear()) { clearInterval(intervalTimer); } if (isBanner) { renderBanner(); } else { replayScreen.style.display = 'flex'; } break; } } /** * Handles ad errors. * @param { !google.ima.AdErrorEvent } adErrorEvent */ function onAdError(adErrorEvent) { // Handle the error logging. console.log(adErrorEvent.getError()); outstreamLastError = adErrorEvent.getError().getErrorCode(); if (!loadNext()) { renderBanner(); } } function renderBanner() { if (isBanner) { console.log('Outstream: Render Banner'); iinfoOutstreamPosition.innerHTML = ""; iinfoOutstreamPosition.style.height = "330px"; iinfoOutstreamPosition.appendChild(bannerDiv); } else { console.log('Outstream: Banner is not set'); } } function loadNext() { iinfoVastUrlIndex++; if (iinfoVastUrlIndex < iinfoVastUrls.length) { iinfoOutstreamPosition.remove(); outstreamInit(); } else { return false; } adVolume = 1; return true; } /** * Pauses video content and sets up ad UI. */ function onContentPauseRequested() { videoContent.pause(); // This function is where you should setup UI for showing ads (for example, // display ad timer countdown, disable seeking and more.) // setupUIForAds(); } /** * Resumes video content and removes ad UI. */ function onContentResumeRequested() { videoContent.play(); // This function is where you should ensure that your UI is ready // to play content. It is the responsibility of the Publisher to // implement this function when necessary. // setupUIForContent(); } function onActiveView() { if (outstreamContainer) { const containerOffset = outstreamContainer.getBoundingClientRect(); const windowHeight = window.innerHeight; if (containerOffset.top < windowHeight/1 && containerOffset.bottom > 0.0) { if (outstreamPaused) { adsManager.resume(); outstreamPaused = false; } return true; } else { if (!outstreamPaused) { adsManager.pause(); outstreamPaused = true; } } } return false; } let outstreamInitInterval; if (typeof cpexPackage !== "undefined") { outstreamInitInterval = setInterval(tryToInitializeOutstream, 100); } else { const wrapper = getWrapper(); if (wrapper) { let outstreamInitialized = false; window.addEventListener('scroll', () => { if (!outstreamInitialized) { const containerOffset = wrapper.getBoundingClientRect(); const windowHeight = window.innerHeight; if (containerOffset.top < windowHeight / 1 && containerOffset.bottom > 0.0) { outstreamInit(); outstreamInitialized = true; } } }); } } function tryToInitializeOutstream() { const wrapper = getWrapper(); if (wrapper) { const containerOffset = wrapper.getBoundingClientRect(); const windowHeight = window.innerHeight; if (containerOffset.top < windowHeight / 1 && containerOffset.bottom > 0.0) { if (cpexPackage.adserver.displayed) { clearInterval(outstreamInitInterval); outstreamInit(); } } } else { clearInterval(outstreamInitInterval); } } }
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