{"id":132974,"date":"2025-10-05T04:43:28","date_gmt":"2025-10-05T04:43:28","guid":{"rendered":"https:\/\/www.manxin.cc\/?p=132974"},"modified":"2026-10-05T02:43:30","modified_gmt":"2026-10-05T02:43:30","slug":"kdyz-banky-zneuzivaji-informace-o-vasi-platebni-historii","status":"publish","type":"post","link":"http:\/\/www.manxin.cc\/?p=132974","title":{"rendered":"Kdy\u017e banky zneu\u017e\u00edvaj\u00ed informace o va\u0161\u00ed platebn\u00ed historii"},"content":{"rendered":"

V \u010cesku se ka\u017edoro\u010dn\u011b objevuj\u00ed stovky tis\u00edc \u017ealob na banky a platebn\u00ed spole\u010dnosti za neopr\u00e1vn\u011bn\u00e9 zneu\u017e\u00edv\u00e1n\u00ed osobn\u00edch dat. Podle nejnov\u011bj\u0161\u00edch dat od \u00da\u0159adu pro ochranu osobn\u00edch \u00fadaj\u016f (\u00daOOU) \u010din\u00ed po\u010det takov\u00fdch p\u0159\u00edpad\u016f v posledn\u00edch p\u011bti letech t\u00e9m\u011b\u0159 200 tis\u00edc. Jedn\u00e1 se o zhruba 40 procent v\u0161ech \u017ealob z oblasti ochrany osobn\u00edch \u00fadaj\u016f, co\u017e ukazuje na rostouc\u00ed probl\u00e9m, kter\u00fd ovliv\u0148uje \u017eivotn\u00ed \u00farove\u0148 mnoha ob\u010dan\u016f.<\/p>\n

V centru z\u00e1jmu stoj\u00ed p\u0159edev\u0161\u00edm tzv. \u201eskryt\u00e9 podm\u00ednky\u201c v bankovn\u00edch smlouv\u00e1ch, kter\u00e9 umo\u017e\u0148uj\u00ed bank\u00e1m pou\u017e\u00edvat informace o va\u0161\u00ed platebn\u00ed historii pro dal\u0161\u00ed cesty, jako je nap\u0159\u00edklad nab\u00eddka kreditn\u00edch kart nebo \u00fav\u011br\u016f. Podle pr\u016fzkumu spole\u010dnosti Cashed<\/strong> z roku 2023 68 procent respondent\u016f uvedlo, \u017ee banky vyu\u017e\u00edvaj\u00ed jejich historii platby k personalizaci nab\u00eddek, kter\u00e9 jim \u010dasto p\u0159in\u00e1\u0161ej\u00ed vy\u0161\u0161\u00ed poplatky nebo rizikov\u011bj\u0161\u00ed produkty. To se \u010dasto jev\u00ed jako nevyhnuteln\u00e1 podm\u00ednka pro z\u00edsk\u00e1n\u00ed nov\u00e9ho \u00fav\u011bru nebo kreditn\u00ed karty.<\/p>\n

tento odkaz<\/a> <\/p>\n

Nej\u010dast\u011bj\u0161\u00edm p\u0159\u00edkladem takov\u00e9ho zneu\u017e\u00edv\u00e1n\u00ed je situace, kdy banka po\u017eaduje p\u0159\u00edstup k va\u0161im platebn\u00edm dat\u016fm za \u00fa\u010delem vyhodnocen\u00ed va\u0161\u00ed \u201ekreditn\u00ed historie\u201c. V praxi se v\u0161ak \u010dasto st\u00e1v\u00e1, \u017ee banky tyto informace vyu\u017e\u00edvaj\u00ed nejen pro v\u00fdpo\u010det va\u0161\u00ed kreditn\u00ed hodnocen\u00ed, ale tak\u00e9 pro marketingov\u00e9 kampan\u011b, kter\u00e9 v\u00e1m mohou nab\u00edzet produkty s vy\u0161\u0161\u00edmi poplatky nebo rizikov\u011bj\u0161\u00edm profilem. Podle pr\u00e1vn\u00edho odborn\u00edka Jana Nov\u00e1ka z advok\u00e1tn\u00ed kancel\u00e1\u0159e \u201ePraha Legal\u201c je tento postup neleg\u00e1ln\u00ed, pokud banka neinformuje klienta o tom, jak\u00e9 informace bude pou\u017e\u00edvat a za jak\u00e9 \u00fa\u010dely.<\/p>\n

Jak se br\u00e1nit?<\/h2>\n

V sou\u010dasnosti nen\u00ed mo\u017en\u00e9 \u00fapln\u011b zabr\u00e1nit takov\u00e9mu zneu\u017e\u00edv\u00e1n\u00ed, ale existuj\u00ed zp\u016fsoby, jak minimalizovat riziko. Prvn\u00edm krokem je d\u016fkladn\u011b \u010d\u00edst smlouvy a podm\u00ednky banky, zejm\u00e9na \u010d\u00e1st, kter\u00e1 se t\u00fdk\u00e1 vyu\u017eit\u00ed va\u0161ich platebn\u00edch dat. D\u00e1le je d\u016fle\u017eit\u00e9 sledovat, jak\u00e9 informace banka skute\u010dn\u011b po\u017eaduje a jak\u00e9 m\u00e1 pr\u00e1vo vyu\u017e\u00edvat. V p\u0159\u00edpad\u011b, \u017ee v\u00e1m banka nab\u00eddne produkt s podm\u00ednkou vyu\u017eit\u00ed va\u0161ich platebn\u00edch dat, je dobr\u00e9 po\u017e\u00e1dat o p\u00edsemn\u00e9 vysv\u011btlen\u00ed, jak\u00e9 informace budou pou\u017eity a za jak\u00e9 \u00fa\u010dely.<\/p>\n

D\u00e1le je vhodn\u00e9 pravideln\u011b kontrolovat sv\u00e9 platebn\u00ed historie a vyhled\u00e1vat p\u0159\u00edpadn\u00e9 ne\u010dekan\u00e9 poplatky nebo nab\u00eddky. V p\u0159\u00edpad\u011b, \u017ee se v\u00e1m zd\u00e1, \u017ee banka zneu\u017e\u00edv\u00e1 va\u0161e data, je mo\u017en\u00e9 podn\u011btovat \u00da\u0159ad pro ochranu osobn\u00edch \u00fadaj\u016f. Podle posledn\u00edch dat z roku 2023 bylo \u00daOOU pod\u00e1no p\u0159es 12 tis\u00edc podn\u011bt\u016f t\u00fdkaj\u00edc\u00edch se bankovn\u00edch slu\u017eeb, co\u017e ukazuje na rostouc\u00ed z\u00e1jem ob\u010dan\u016f o ochranu sv\u00fdch osobn\u00edch \u00fadaj\u016f.<\/p>\n

P\u0159\u00edklady z praxe<\/h2>\n
    \n
  • V roce 2022 bylo \u00daOOU pod\u00e1no 18 423 podn\u011bt\u016f t\u00fdkaj\u00edc\u00edch se bankovn\u00edch slu\u017eeb, z toho 6 210 t\u00fdkaj\u00edc\u00edch se neopr\u00e1vn\u011bn\u00e9ho vyu\u017eit\u00ed platebn\u00edch dat.<\/li>\n
  • Banky \u010dasto nab\u00edzej\u00ed kreditn\u00ed karty s podm\u00ednkou vyu\u017eit\u00ed va\u0161\u00ed platebn\u00ed historie, co\u017e m\u016f\u017ee v\u00e9st k vy\u0161\u0161\u00edm poplatk\u016fm a\u017e o 30 procent.<\/li>\n
  • Podle pr\u016fzkumu spole\u010dnosti Cashed z roku 2023 52 procent ob\u010dan\u016f uvedlo, \u017ee banky nab\u00edzej\u00ed produkty s vy\u0161\u0161\u00edmi poplatky, pokud pou\u017e\u00edvaj\u00ed jejich platebn\u00ed data pro personalizaci.<\/li>\n
  • V n\u011bkter\u00fdch p\u0159\u00edpadech banky vyu\u017e\u00edvaj\u00ed platebn\u00ed data k personalizaci reklam, kter\u00e9 mohou ob\u010dan\u016fm p\u0159in\u00e9st neo\u010dek\u00e1van\u00e9 poplatky nebo rizikov\u011bj\u0161\u00ed produkty.<\/li>\n
  • V roce 2021 bylo \u00daOOU pod\u00e1no 11 345 podn\u011bt\u016f t\u00fdkaj\u00edc\u00edch se neopr\u00e1vn\u011bn\u00e9ho vyu\u017eit\u00ed osobn\u00edch \u00fadaj\u016f v oblasti bankovnictv\u00ed.<\/li>\n<\/ul>\n

    Z\u00e1v\u011br<\/h2>\n

    Problematika neopr\u00e1vn\u011bn\u00e9ho zneu\u017e\u00edv\u00e1n\u00ed osobn\u00edch dat v bankovnictv\u00ed je st\u00e1le aktu\u00e1ln\u00ed a vy\u017eaduje od ob\u010dan\u016f zv\u00fd\u0161enou pozornost. Banky \u010dasto vyu\u017e\u00edvaj\u00ed informace o va\u0161\u00ed platebn\u00ed historii k personalizaci nab\u00eddek, kter\u00e9 mohou b\u00fdt nevyhovuj\u00edc\u00ed nebo dokonce nebezpe\u010dn\u00e9. Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee va\u0161e platebn\u00ed data jsou d\u016fle\u017eit\u00fdm zdrojem informac\u00ed, kter\u00fd by m\u011bl b\u00fdt chr\u00e1n\u011bn a pou\u017e\u00edv\u00e1n pouze v souladu s pr\u00e1vn\u00edmi p\u0159edpisy.<\/p>\n","protected":false},"excerpt":{"rendered":"

    V \u010cesku se ka\u017edoro\u010dn\u011b objevuj\u00ed stovky tis\u00edc \u017ealob na banky a platebn\u00ed spole\u010dnosti za neopr\u00e1vn\u011bn\u00e9 zneu\u017e\u00edv\u00e1n\u00ed osobn\u00edch dat. Podle nejnov\u011bj\u0161\u00edch dat od \u00da\u0159adu pro ochranu osobn\u00edch \u00fadaj\u016f (\u00daOOU) \u010din\u00ed po\u010det takov\u00fdch p\u0159\u00edpad\u016f v posledn\u00edch p\u011bti letech t\u00e9m\u011b\u0159 200 tis\u00edc. Jedn\u00e1 se o zhruba 40 procent v\u0161ech \u017ealob z oblasti ochrany osobn\u00edch \u00fadaj\u016f, co\u017e ukazuje na […]<\/p>\n","protected":false},"author":127,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-132974","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"http:\/\/www.manxin.cc\/index.php?rest_route=\/wp\/v2\/posts\/132974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.manxin.cc\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.manxin.cc\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.manxin.cc\/index.php?rest_route=\/wp\/v2\/users\/127"}],"replies":[{"embeddable":true,"href":"http:\/\/www.manxin.cc\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=132974"}],"version-history":[{"count":0,"href":"http:\/\/www.manxin.cc\/index.php?rest_route=\/wp\/v2\/posts\/132974\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.manxin.cc\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=132974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.manxin.cc\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=132974"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.manxin.cc\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=132974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}