{"id":18012,"date":"2026-02-06T06:09:06","date_gmt":"2026-02-06T06:09:06","guid":{"rendered":"https:\/\/bihavadis.com\/?p=18012"},"modified":"2026-02-06T06:09:06","modified_gmt":"2026-02-06T06:09:06","slug":"kredi-karti-limitlerinde-son-tarih-15-subat","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/02\/06\/kredi-karti-limitlerinde-son-tarih-15-subat\/","title":{"rendered":"Kredi kart\u0131 limitlerinde son tarih: 15 \u015eubat"},"content":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu\u2019nun (BDDK) ocak ay\u0131 sonunda ald\u0131\u011f\u0131 kararlar\u0131n ard\u0131ndan finansal disiplini g\u00fc\u00e7lendirmek amac\u0131yla kredi kart\u0131 limitlerinde yeni bir d\u00f6nem ba\u015fl\u0131yor.<\/p>\n

Bankalara, m\u00fc\u015fterilerin kredi kart\u0131 limitlerini yeniden belirlemeleri i\u00e7in 15 \u015eubat\u2019a kadar s\u00fcre verildi. D\u00fczenleme kapsam\u0131nda, ki\u015filerin t\u00fcm bankalardaki kredi kartlar\u0131n\u0131n toplam limiti esas al\u0131nacak.<\/p>\n

Kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n y\u00fczde 75’i karardan etkilenmeyecek.<\/p>\n

T\u00dcM KRED\u0130 KARTLARI TEK KALEMDE DE\u011eERLEND\u0130R\u0130LECEK<\/strong><\/p>\n

Limit belirleme s\u00fcrecinde, bir ki\u015fiye ait t\u00fcm kredi kartlar\u0131n\u0131n toplam limiti dikkate al\u0131nacak. BDDK karar\u0131na g\u00f6re, 2025 y\u0131l\u0131 sonuna kadar yap\u0131lan kredi kart\u0131 harcamalar\u0131, bu hesaplamada temel al\u0131nacak.<\/p>\n

400 B\u0130N L\u0130RAYA KADAR OLAN L\u0130M\u0130TLER \u0130LK A\u015eAMADA KORUNACAK<\/strong><\/p>\n

\u0130lk a\u015famada, toplam kredi kart\u0131 limiti 400 bin liraya kadar olan m\u00fc\u015fterilerin limitlerinde bir de\u011fi\u015fiklik yap\u0131lmayacak. Ancak bu tutar, tek bir kart\u0131 de\u011fil, ki\u015finin t\u00fcm bankalardaki kredi kartlar\u0131n\u0131n toplam\u0131n\u0131 kapsayacak.<\/p>\n

400 B\u0130N L\u0130RA \u0130ST\u0130SNASI NASIL UYGULANACAK?<\/strong><\/p>\n

Bir ki\u015finin farkl\u0131 bankalardan ald\u0131\u011f\u0131 kredi kartlar\u0131n\u0131n toplam limiti 400 bin liray\u0131 a\u015f\u0131yorsa, bu istisnadan yararlanamayacak. Toplam limit 400 bin liran\u0131n alt\u0131nda kalan m\u00fc\u015fterilerin kart limitleri korunacak. Ancak bu s\u0131n\u0131r\u0131n biraz \u00fczerinde olan kartlarda limit d\u00fc\u015f\u00fc\u015f\u00fc ihtimali bulunuyor.<\/p>\n

<\/p>\n

L\u0130M\u0130T D\u00dc\u015eERSE ARTIRIM KAPISI A\u00c7IK<\/strong><\/p>\n

15 \u015eubat sonras\u0131 yap\u0131lacak d\u00fczenleme sonucunda, bir ki\u015finin toplam kredi kart\u0131 limiti 400 bin lira veya alt\u0131na d\u00fc\u015ferse, bu tutara kadar yap\u0131lacak yeni limit art\u0131\u015f taleplerinde gelir belgesi aranmayacak. \u00d6rne\u011fin, toplam kart limiti 300 bin liraya d\u00fc\u015fen bir m\u00fc\u015fteri, yeniden 400 bin liraya kadar limit art\u0131\u015f\u0131 talep edebilecek. Ancak bankalar bu art\u0131\u015fta da m\u00fc\u015fterinin di\u011fer bankalardaki kart limitlerini dikkate almak zorunda olacak.<\/p>\n

400 B\u0130N L\u0130RANIN \u00dcZER\u0130NDEK\u0130 KARTLAR DA ETK\u0130LENECEK<\/strong><\/p>\n

Toplam kredi kart\u0131 limiti 400 bin liran\u0131n \u00fczerinde olan m\u00fc\u015fteriler i\u00e7in de limit azalt\u0131m\u0131 g\u00fcndemde. \u00d6rne\u011fin, 450 bin lira limitli bir kartta 2025 y\u0131l\u0131 boyunca 200 bin lira harcama yap\u0131lm\u0131\u015fsa, kullan\u0131lmayan limitin yar\u0131s\u0131 d\u00fc\u015f\u00fclecek ve kart limiti 325 bin liraya indirilecek. Benzer \u015fekilde, 600 bin lira limitli bir kartta y\u0131l i\u00e7inde 400 bin lira harcama yap\u0131lm\u0131\u015fsa, limit 500 bin liraya d\u00fc\u015f\u00fcr\u00fclebilecek.<\/p>\n

<\/p>\n

750 B\u0130N L\u0130RANIN \u00dcZER\u0130NDE OLANLARA DAHA KATI UYGULAMA<\/strong><\/p>\n

BDDK karar\u0131na g\u00f6re, toplam kredi kart\u0131 limiti 750 bin liran\u0131n \u00fczerinde olan kart hamillerinin limitleri, kullan\u0131labilir limitin en d\u00fc\u015f\u00fck oldu\u011fu d\u00f6nemin y\u00fczde 80\u2019i kadar azalt\u0131lacak.<\/p>\n

YEN\u0130 KART BA\u015eVURULARINDA KURALLAR SERTLE\u015eT\u0130<\/strong><\/p>\n

2026 y\u0131l\u0131 itibar\u0131yla yeni kredi kart\u0131 ba\u015fvurular\u0131nda daha kat\u0131 kurallar uygulanacak. \u0130lk y\u0131l kredi kart\u0131 limiti, net maa\u015f\u0131n en fazla iki kat\u0131 olacak. \u0130kinci y\u0131ldan itibaren ise bu tutar en fazla gelirin d\u00f6rt kat\u0131na \u00e7\u0131kar\u0131labilecek.<\/p>\n

L\u0130M\u0130T HESABINDA NET GEL\u0130R ESAS ALINACAK<\/strong><\/p>\n

Yasal d\u00fczenlemelere g\u00f6re bankalar, kredi kart\u0131 limiti belirlerken m\u00fc\u015fterinin net ayl\u0131k gelirini dikkate almak zorunda. BDDK, t\u00fcm kredi kart\u0131 limitlerinin 2027 y\u0131l\u0131 ba\u015f\u0131na kadar gelir belgeleriyle uyumlu hale getirilmesini istedi. Bankalar, kredi notu, mevcut bor\u00e7 durumu ve \u00f6deme al\u0131\u015fkanl\u0131klar\u0131n\u0131 dikkate alarak limit belirleme uygulamas\u0131n\u0131 s\u00fcrd\u00fcrmeye devam edecek.<\/p>\n

KRED\u0130 KARTLARINDA SON DURUM<\/strong><\/p>\n

Aral\u0131k 2025 verilerine g\u00f6re sekt\u00f6rde yakla\u015f\u0131k 13,3 trilyon lira bireysel kredi kart\u0131 limiti bulunmakta olup toplam limitin sadece y\u00fczde 21\u2019i kullan\u0131lmakla beraber, y\u00fczde 79\u2019u kullan\u0131lmamaktad\u0131r.<\/p>\n

Sekt\u00f6rde Aral\u0131k 2025\u2019te 40,7 milyon tekil kredi kart\u0131 kullan\u0131c\u0131s\u0131 bulunmakta olup, bunun 30,6 milyonu yani y\u00fczde 75\u2019i 400 bin lira alt\u0131nda kredi kart\u0131 limitine sahiptir.<\/p>\n

Yani kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n y\u00fczde 75\u2019i s\u00f6z konusu karardan etkilenmemektedir.<\/p>\n

750 bin lira alt\u0131nda kredi kart\u0131 kullan\u0131c\u0131s\u0131n\u0131n toplam kredi kart\u0131 sahipli\u011fi i\u00e7erisindeki oran\u0131 ise yakla\u015f\u0131k y\u00fczde 90 d\u00fczeyindedir.<\/p>\n

750 bin lira \u00fczerinde limite sahip olanlar\u0131n kredi kart\u0131 toplam limitinden ald\u0131klar\u0131 pay y\u00fczde 48 seviyesinde olup, bu kullan\u0131c\u0131lar\u0131n kredi kart\u0131 doluluk oranlar\u0131 yakla\u015f\u0131k y\u00fczde 20\u2019dir.<\/p>\n","protected":false},"excerpt":{"rendered":"

BDDK\u2019n\u0131n ald\u0131\u011f\u0131 karar do\u011frultusunda kredi kart\u0131 limitlerinde yeniden d\u00fczenlemeye gidiliyor. Bankalar, 15 \u015eubat\u2019a kadar m\u00fc\u015fterilerin toplam kart limitlerini belirleyecek. Limit d\u00fc\u015fse bile, belirli \u015fartlarla yeniden art\u0131rma imkan\u0131 tan\u0131nacak.<\/p>\n","protected":false},"author":1,"featured_media":18013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[3403,1157,2731,2187,3402],"class_list":["post-18012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-400-bin-lira","tag-kart","tag-kredi-karti","tag-limit","tag-limiti"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/18012","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/comments?post=18012"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/18012\/revisions"}],"predecessor-version":[{"id":18016,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/18012\/revisions\/18016"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/18013"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=18012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=18012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=18012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}