The bank rejected my mortgage application. I carried out lengthy research to learn why this happened. I went to about 5 banks where I had some type of account, but was unable to discover any irregularities. This led me to register with the kolikmam.cz portal. I then found out that I had an active credit card at Komercni bank, which I forgotten about. Over time, management fees for the card had built up. Since I was not paying them, a negative entry was made in the register. Thanks to kolikmam.cz, I discovered this discrepancy, paid the amount due and cancelled the card.

I'm a classic Internet user. I’ve always used the same passwords to log in to applications for the sake of simplicity. An acquaintance of mine then recommended for me to activate the NetAgent service. It seemed unnecessary, but I was curious. For 3 months, I received a report that everything was fine. In the following month, however, I received information that my email had been misused, together with my password. After learning of this, I changed my password, as I use the same password on social networks where I make payments with my credit card. The service, which at first seemed redundant, saved me from misuse of my credit card.

I co-signed a loan for my friend’s new store. After some time had passed, we lost contact and I moved to another city. Thanks to kolikmam.cz, I found out six years later that my friend had stopped repaying the loan. Her obligations passed to me as her guarantor. I immediately contacted the bank that had lent the money to my friend and began solving the situation.