{"id":670681,"date":"2026-01-10T10:36:04","date_gmt":"2026-01-10T10:36:04","guid":{"rendered":"https:\/\/microscopemedia.com\/?p=670681"},"modified":"2026-01-10T10:36:04","modified_gmt":"2026-01-10T10:36:04","slug":"de-ce-este-mai-bine-sa-evitam-plata-cu-cardul-explicatia-expertilor-si-a-71-de-studii","status":"publish","type":"post","link":"https:\/\/microscopemedia.com\/?p=670681","title":{"rendered":"De ce este mai bine s\u0103 evit\u0103m plata cu cardul? Explica\u021bia exper\u021bilor \u0219i a 71 de studii"},"content":{"rendered":"<div><img decoding=\"async\" src=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/01\/de-ce-este-mai-bine-sa-evitam-plata-cu-cardul-explicatia-expertilor-si-a-71-de-studii.jpg\" class=\"ff-og-image-inserted\"><\/div>\n<p id=\"p-0\"><a href=\"https:\/\/www.mediafax.ro\/economic\/sfarsitul-erei-cash-europenii-platesc-tot-mai-mult-cu-cardul-iar-bancomatele-dispar-pe-rand-23586758\">Plata cu cardul a devenit un gest extrem de obi\u0219nuit<\/a>. De fapt, treptat devine metoda de plat\u0103 cea mai folosit\u0103, remarc\u00e2ndu-se prin rapiditatea \u0219i comoditatea ei. Totu\u0219i, acest proces ar putea s\u0103 nu fie at\u00e2t de inofensiv pe c\u00e2t credem, sau cel pu\u021bin asta arat\u0103 din ce \u00een ce mai multe studii, potrivit El <a href=\"https:\/\/www.eleconomista.es\/tecnologia\/noticias\/13644547\/11\/25\/es-muy-mala-idea-expertos-explican-por-que-es-mejor-evitar-pagar-con-tarjeta.html\" target=\"_blank\" rel=\"noopener\">Economista<\/a>.<\/p>\n<p id=\"p-1\">Chiar dac\u0103 suma de plat\u0103 este aceea\u0219i, fie c\u0103 achit\u0103m \u00een numerar sau cu cardul, un studiu publicat \u00een Journal of Retailing \u00een 2024, bazat pe analiza a 71 de cercet\u0103ri care au examinat comportamentul a peste 11.000 de persoane, a descoperit c\u0103 plata cu cardul de credit ne face s\u0103 cheltuim mai mult dec\u00e2t dac\u0103 am pl\u0103ti cu bani lichizi.<\/p>\n<h2 id=\"chapter-0\">Efectul \u201ef\u0103r\u0103 numerar\u201d<\/h2>\n<p id=\"p-2\">Analiza arat\u0103 c\u0103 exist\u0103 o corela\u021bie \u00eentre pl\u0103\u021bile electronice \u0219i tendin\u021ba de a cheltui mai mult atunci c\u00e2nd cump\u0103r\u0103m, de exemplu. Autorii explic\u0103 faptul c\u0103 utilizarea cardului nu influen\u021beaz\u0103 major comportamentul, dar efectul este \u201esemnificativ\u201d.<\/p>\n<p id=\"p-3\">A\u0219a cum explic\u0103 Richard Whittle, economist la Salford Business School, pentru BBC:<br \/>\u201eU\u0219urin\u021ba cu care pl\u0103te\u0219ti cu cardul \u00eei poate face pe consumatori s\u0103 cheltuiasc\u0103 f\u0103r\u0103 s\u0103 se g\u00e2ndeasc\u0103 \u0219i s\u0103 cumpere lucruri de care, \u00een realitate, nu au nevoie.\u201d<\/p>\n<p id=\"p-4\">\u0218i este adev\u0103rat c\u0103 nu este acela\u0219i lucru s\u0103 apropii cardul sau telefonul de terminal de mai multe ori pe zi, fa\u021b\u0103 de a vedea cum portofelul se gole\u0219te treptat de bancnote.<\/p>\n<p id=\"p-5\">Acest efect psihologic este amplificat de componenta vizibil\u0103: nim\u0103nui nu \u00eei place s\u0103 dea bani fizic din m\u00e2n\u0103 \u00een mod constant, iar exper\u021bii sus\u021bin c\u0103, \u00een unele cazuri, plata \u00een numerar \u00eei descurajeaz\u0103 pe oameni de la cump\u0103r\u0103turi impulsive.<\/p>\n<p id=\"p-6\">De\u0219i este foarte dificil s\u0103 ne \u00eentoarcem la folosirea exclusiv\u0103 a numerarului dup\u0103 ce i-am descoperit comoditatea, exper\u021bii recomand\u0103 \u00eencercarea de a reveni par\u021bial la plata cu bani lichizi. Sau cel pu\u021bin planificarea cump\u0103r\u0103turilor pentru un control mai bun al cheltuielilor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Plata cu cardul a devenit un gest extrem de obi\u0219nuit. De fapt, treptat devine metoda de plat\u0103 cea mai folosit\u0103, remarc\u00e2ndu-se prin rapiditatea \u0219i comoditatea ei. Totu\u0219i, acest proces ar &hellip; <a href=\"https:\/\/microscopemedia.com\/?p=670681\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":670682,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"Default","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/670681"}],"collection":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=670681"}],"version-history":[{"count":0,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/670681\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/media\/670682"}],"wp:attachment":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=670681"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=670681"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=670681"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}