{"id":16382,"date":"2019-11-07T15:07:35","date_gmt":"2019-11-07T15:07:35","guid":{"rendered":"http:\/\/catalinx.ro\/wordpress\/?p=16382"},"modified":"2019-11-07T15:07:35","modified_gmt":"2019-11-07T15:07:35","slug":"subventia-la-plata-online-si-pe-caiet","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=16382","title":{"rendered":"Subven\u021bia la plata online si pe caiet"},"content":{"rendered":"
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Se cam taie. <\/strong>Am observat mai multe site-uri care scot din ofert\u0103 plata in 1000 de rate, pe c\u00e2r. Sigur, voi vede\u021bi \u00eenc\u0103 pe emag \u0219i unde v\u0103 mai uita\u021bi click aici pentru plata \u00een 1000 de rate, dar ho, ave\u021bi un pic de r\u0103bdare, de\u0219i e posibil ca \u00een Rom\u00e2nia chiar s\u0103 nu se poat\u0103 f\u0103r\u0103 , d\u0103 \u0219i mie 1000 de lei p\u00e2n\u0103 la salariu. Caz \u00een care va deveni doar mai scump. Revin. <\/p>\n\n\n\n

Asta era o form\u0103 de a subven\u021biona comer\u021bul. De la prima m\u00e2n\u0103 \u0219tiu c\u0103 companii din Rom\u00e2nia care ofer\u0103 facilitatea de a permite clien\u021bilor s\u0103 fac\u0103 rate direct c\u00e2nd cump\u0103r\u0103 din online, iau comerciantului p\u00e2n\u0103 la 10% comision la treaba asta. C\u0103 are \u0219i comer\u021bul \u0103sta pe credit un risc, normal. <\/p>\n\n\n\n

Practic, ei \u00ee\u021bi v\u00e2nd faptul c\u0103 \u00ee\u021bi aduc ni\u0219te s\u0103raci la u\u0219\u0103 care altfel nu au bani, sau consider\u0103 c\u0103-\u0219i permit s\u0103 cumpere, dar altfel sunt dispu\u0219i s\u0103-\u0219i permit\u0103 rate \u0219i dob\u00e2nzi. <\/p>\n\n\n\n

Evident c\u0103 treaba asta, de\u0219i nu-i observabil, fute pe toat\u0103 lumea, c\u0103 tu comerciant, nu po\u021bi s\u0103 ai dou\u0103 pre\u021buri, unu’ pentru creditaci \u0219i unul pentru \u0103ia cu banul jos. Tu vrei s\u0103 cre\u0219ti v\u00e2nz\u0103rile \u0219i de oriunde vin clien\u021bi sunt bine veni\u021bi. C\u0103-s din facebook, c\u0103-s din credit doar cu buletinul sau talonul de pensie, nu conteaz\u0103, de\u0219i poate ar trebui, dar vrei s\u0103 fii pe pia\u021b\u0103, nu pe l\u00e2ng\u0103, iar pia\u021ba se c\u00e2\u0219tig\u0103, c\u0103 nu-\u021bi face nimeni loc. <\/p>\n\n\n\n

\u00cen mod normal, treaba asta se regleaz\u0103 din pre\u021b. \u00een func\u021bie de c\u00e2\u021bi abona\u021bi la rate trec pe la tine prin magazin \u0219i cum \u00ee\u021bi afecteaz\u0103 asta profitul opera\u021bional, \u00een raport cu alte costuri de marketing, nu detaliez acum , ridici pre\u021bul un pic, sau un pic mai mult. <\/p>\n\n\n\n

C\u0103 clien\u021bii \u0103\u0219tia mai au \u0218I alte complica\u021bii. De exemplu au \u0219i ei dreptul la retur la 15 zile pe comer\u021b online ca orice al\u021bi clien\u021bi. Chit c\u0103 nu cump\u0103r\u0103 cu banii lor, chit c\u0103 , \u00een ce m\u0103 prive\u0219te pe mine ei sunt clien\u021bi de m\u00e2na a doua – serios, sunt chiar a\u0219a de \u021b\u0103ran \u0219i nu v\u0103d cum \u0103\u0219tia ajut\u0103 comer\u021bul, mai mult ei sunt folosi\u021bi ca mas\u0103 de manevr\u0103 pentru controlul unei pie\u021be. Legea \u00eei protejeaz\u0103 \u0219i pe ei la fel de mult \u0219i, \u00een ciuda p\u0103rerii mele prinvind comer\u021bul de consum pe credit, e \u0219i normal s\u0103 fie proteja\u021bi – nu \u00eencape discu\u021bie aici<\/strong><\/span>. <\/strong><\/p>\n\n\n\n

E treaba finan\u021batorului ( \u00een teorie) s\u0103-\u0219i rezolve problemele. \u00cen practic\u0103, e pu\u021bin diferit. Omu \u00ee\u021bi returneaz\u0103 produsul, tu nu po\u021bi s\u0103-i returnezi lui banii direct, opera\u021biunea asta se face prin proxy, pentru c\u0103 ai alt finan\u021bator de fapt. Adic\u0103, ai putea \u0219i am auzit cazuri, s\u0103 \u00eei returnezi banii pe cardul de credit, unii cer \u00een cont \u0219i ei s\u0103-i scoat\u0103 etc. Gen, plate\u0219te o rat\u0103, returneaz\u0103 \u0219i se face cu cash disponibil de tot produsul. Sunt ni\u0219te gre\u0219eli tehnice\/financiare\/opera\u021bionale la mijloc, nu detaliez, c\u0103 nu \u0103sta e scopul, dar e tocmai pentru c\u0103 e un pic complicat e loc de rom\u00e2nisme. <\/p>\n\n\n\n

Bun, revenind, ceea ce spun e c\u0103 treaba asta merge c\u00e2nd cam toat\u0103 lumea e pe plus \u0219i banii vine<\/em><\/strong>. C\u00e2nd robinetul se cam \u00eenchide din diferite locuri nu prea mai e bine, c\u0103 la un momentat mai vine \u0219i criza, nu numai banii ( apropo, e deja aici , nu mai vorbi\u021bi de \u201dc\u00e2nd vine c\u0103 se c\u00e2nt\u0103 de prea mult timp prohodul\u201d. Dac\u0103 n-o vede\u021bi voi, s\u0103 fi\u021bi s\u0103n\u0103to\u0219i \u0219i o zic pe bune, chiar v\u0103 urez s\u0103 n-o sim\u021bi\u021bi, dac\u0103 pute\u021bi.), atunci e \u201dna\u0219pa\u201d c\u0103 nu mai po\u021bi s\u0103 sus\u021bii cre\u0219terea doar din urcat de pre\u021b, c\u0103 unii oameni chiar \u00eencep s\u0103 se uite mai atent la buget \u0219i nu mai cump\u0103r\u0103 a\u0219a la orice pre\u021b c\u0103 \u201dpula mea, at\u00e2ta cost\u0103 peste tot \u0219i oricum pe 15 intr\u0103 salariul\u201d. \u00cencep s\u0103-\u0219i pun\u0103 \u0219i problema de \u201dmai du-te \u00een pula mea cu pre\u021burile tale, b\u0103\u201d, momentan se vede un pic pe c\u00e2teva pie\u021be .<\/p>\n\n\n\n

Iar atunci trebuie s\u0103 faci o diferen\u021biere pe drept a clien\u021bilor. Care are \u0219i care pretinde c\u0103 are. Care sponsorizeaz\u0103 pe bune activitatea economic\u0103 \u0219i care doar consum\u0103 resurse. <\/p>\n\n\n\n

\u0218i-o s\u0103 vede\u021bi \u0219i voi, cred o schimbare la pre\u021burile produselor. Nu, n-o s\u0103 ai un pre\u021b direct mai mare pentru achizi\u021bia pe credit. Fie n-o s\u0103 mai ai de la creditor \u201ddob\u00e2nd\u0103 zero\u201d cum cam e acum \u0219i costul \u0103la \u00eel pl\u0103te\u0219te comerciantul, respectiv ceilal\u021bi clien\u021bi. Fie dac\u0103 creditorul t\u0103u o \u021bine pe a lui, s\u0103 fie el s\u0103n\u0103tos, o s\u0103 pl\u0103te\u0219ti comision la plata cu cardul de credit. <\/p>\n\n\n\n

Uite a\u0219a. <\/p>\n\n\n\n

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Hai s\u0103 fac mai mare. <\/p>\n\n\n\n

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Cump\u0103rai un bilet de avion. Pe firm\u0103, c\u0103 m\u0103 duc la munc\u0103 . Cerceta\u0219ul cerului (Skyscanner.com) \u00eemi arat\u0103 cel mai ieftin bilet la mytrip.com, care-s de fapt gotogate.com , dar sub alt nume. Ei \u00eembrac\u0103 comisionul sub forma lipsei unui discount: ia-o p-asta, boss!<\/p>\n\n\n\n

Adic\u0103, dac\u0103 plate\u0219ti cu card de debit <\/strong> ai \u201ddiscount\u201d (\u0219tim noi ce e \u0103la, pre\u021bul corect). Dac\u0103 folose\u0219ti orice fel de card de credit n-ai. Adic\u0103 pl\u0103te\u0219ti \u00een plus \u0219i nu e chiar nimic 2%. Acuma, eu am dat peste asta \u0219i am fost deranjat, c\u0103 nu \u00eencercam s\u0103 iau pe credit, ci pe cardul de firm\u0103 ( MASTERCARD Corporate) care ar putea fi de credit, dar nu e, in cazul meu – debit toat\u0103 ziua, nici overdraft nici nimic. <\/p>\n\n\n\n

\u0218tiu, a\u021bi putea crede c\u0103 \u0103\u0219tia sunt c\u0103c\u0103nari, c\u0103 sunt discounteri \u0219i a\u0219a fac \u0103\u0219tia . Da, a\u0219a \u0219i eu! Motiv pentru care am zis c\u0103 le trag pula prin gur\u0103 \u0219i cump\u0103r de la oameni serio\u0219i adic\u0103 direct de la compania aerian\u0103, chit c\u0103 e un pic mai scump \u0219i dec\u00e2t suma lor cu taxa de card de credit\/corporate.<\/strong><\/p>\n\n\n\n

Adic\u0103 am fost la SAS pe site frumos, am pus datele de card \u0219i c\u00e2nd s\u0103 pl\u0103tesc – hopa mesajul:<\/p>\n\n\n\n

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<\/strong>1.9% comision \u0219i la \u0103\u0219tia special pentru business credit cards. De ce? C\u0103 toate \u201davantajele\u201d pe care le ofer\u0103 providerii de carduri de credit, punctele \u0103lea, % returnate, etc, se traduc \u00een comisioane de pl\u0103tit de c\u0103tre companii, iar companiile nu prea mai halesc c\u0103 e presiunea mare pe pre\u021buri \u0219i nu le mai pot cre\u0219te pentru to\u021bi. Pe mine m\u0103 doare \u00een pul\u0103, pl\u0103tit cu cardul personal \u0219i-mi fac ramburs de cheltuieli din contul firmei, dar s\u0103 lu\u0103m aminte, zic <\/strong>: Zilele bune sunt pe sf\u0103r\u0219ite. \u00cen ceea ce m\u0103 prive\u0219te , pentru mine \u00eencep zile \u0218I MAI BUNE, zile \u00een care faptul c\u0103 dispun de bani cash face diferen\u021ba. \u0218ti\u021bi ce \u00eeneamn\u0103 asta, nu? Cash is king = ?<\/strong><\/p>\n\n\n\n

Love, desigur .<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Se cam taie. Am observat mai multe site-uri care scot din ofert\u0103 plata in 1000 de rate, pe c\u00e2r. Sigur, voi vede\u021bi \u00eenc\u0103 pe emag…<\/p>\n","protected":false},"author":2,"featured_media":16386,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6,3499],"tags":[3550,3552,3551],"class_list":["post-16382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-de-criza","category-economie","tag-cash-is-kind","tag-comertul-pe-credit","tag-vine-criza-2019"],"views":1796,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2019\/11\/credit-card-lies.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-4ge","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/16382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16382"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/16382\/revisions"}],"predecessor-version":[{"id":16387,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/16382\/revisions\/16387"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/16386"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}