{"id":41020,"date":"2026-02-22T03:00:10","date_gmt":"2026-02-22T03:00:10","guid":{"rendered":"https:\/\/bihavadis.com\/?p=41020"},"modified":"2026-02-22T03:00:10","modified_gmt":"2026-02-22T03:00:10","slug":"kredi-karti-limitleri-yeniden-belirleniyor-2-gun-kaldi","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/02\/22\/kredi-karti-limitleri-yeniden-belirleniyor-2-gun-kaldi\/","title":{"rendered":"Kredi kart\u0131 limitleri yeniden belirleniyor! 2 g\u00fcn kald\u0131"},"content":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) karar\u0131yla kredi kart\u0131 limitleri, 15 \u015eubat itibar\u0131yla yeniden hesaplanacak. 400 bin lira s\u0131n\u0131r\u0131 istisna kapsam\u0131na al\u0131n\u0131rken, y\u00fcksek limitli kartlarda d\u00fc\u015f\u00fc\u015f ya\u015fanabilecek. Limit art\u0131r\u0131m\u0131 i\u00e7in ise yeni kurallar devreye girecek.<\/p>\n

YEN\u0130 D\u00d6NEM PAZARTES\u0130 BA\u015eLIYOR<\/strong><\/p>\n

BDDK\u2019n\u0131n bankalara verdi\u011fi s\u00fcre 15 \u015eubat\u2019ta doluyor. Pazartesi g\u00fcn\u00fcnden itibaren kredi kart\u0131 limitleri, yeni d\u00fczenlemeye g\u00f6re g\u00fcncellenecek. Bankalara, sistem altyap\u0131lar\u0131n\u0131 yenilemeleri ve m\u00fc\u015fterilerin gelir teyidi s\u00fcre\u00e7lerini dijital kanallar \u00fczerinden y\u00fcr\u00fctmeleri i\u00e7in 3 ay s\u00fcre tan\u0131nd\u0131.<\/p>\n

E\u011fitim ve sa\u011fl\u0131k harcamalar\u0131n\u0131n ise toplam limit hesaplamas\u0131nda olumsuz etkilenmemesi istendi.<\/p>\n

TOPLAM L\u0130M\u0130T ESAS ALINACAK<\/strong><\/p>\n

Yeni uygulamada bir ki\u015finin farkl\u0131 bankalardaki t\u00fcm kredi kartlar\u0131n\u0131n toplam limiti dikkate al\u0131nacak.<\/p>\n

Toplam limiti 400 bin liran\u0131n alt\u0131nda olan kart sahiplerinin limiti d\u00fc\u015f\u00fcr\u00fclmeyecek.<\/p>\n

Ancak birden fazla bankadan al\u0131nan kartlar\u0131n toplam\u0131 400 bin liray\u0131 a\u015f\u0131yorsa, istisna kapsam\u0131na girilmeyecek.<\/p>\n

<\/p>\n

400 B\u0130N L\u0130RA \u0130ST\u0130SNASI NED\u0130R?<\/strong><\/p>\n

D\u00fczenlemeye g\u00f6re, yap\u0131lan hesaplama sonras\u0131 toplam kredi kart\u0131 limiti 400 bin lira veya alt\u0131na d\u00fc\u015fen ki\u015filer, bu tutara kadar yapacaklar\u0131 limit art\u0131\u015f taleplerinde gelir belgesi sunmak zorunda kalmayacak.<\/p>\n

\u00d6rne\u011fin limiti 300 bin liraya d\u00fc\u015fen bir kart sahibi, 400 bin liraya kadar art\u0131\u015f talep edebilecek. Ancak 400 bin liran\u0131n \u00fczerindeki taleplerde resmi gelir belgesi istenecek.<\/p>\n

<\/p>\n

Y\u00dcKSEK L\u0130M\u0130TL\u0130 KARTLARDA NASIL HESAPLAMA YAPILACAK?<\/strong><\/p>\n

400 bin liran\u0131n \u00fczerindeki limitlerde kullan\u0131lmayan k\u0131sm\u0131n belirli oran\u0131 silinecek.<\/p>\n

\u00d6RNEK:<\/strong><\/p>\n

-600 bin lira limitli bir kartta y\u0131l boyunca 400 bin lira harcama yap\u0131ld\u0131ysa, kalan 200 bin liran\u0131n y\u00fczde 50\u2019si d\u00fc\u015f\u00fclecek.<\/p>\n

-Bu durumda kart limiti 500 bin liraya gerileyecek.<\/p>\n

Toplam kredi kart\u0131 limiti 750 bin liran\u0131n \u00fczerinde olanlarda ise, kullan\u0131labilir limitin en d\u00fc\u015f\u00fck oldu\u011fu d\u00f6nemin y\u00fczde 80\u2019i kadar azalt\u0131m yap\u0131lacak.<\/p>\n

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

2026 itibar\u0131yla yeni kredi kart\u0131 ba\u015fvurular\u0131nda daha net s\u0131n\u0131rlar uygulanacak:<\/p>\n

-\u0130lk y\u0131l kart limiti, ayl\u0131k net gelirin en fazla 2 kat\u0131 olacak.<\/p>\n

-\u0130kinci y\u0131ldan itibaren bu oran en fazla 4 kat\u0131na \u00e7\u0131kar\u0131labilecek.<\/p>\n

Limit belirlemede net gelir esas al\u0131nacak. Bankalar kredi notu, mevcut bor\u00e7 durumu ve \u00f6deme ge\u00e7mi\u015fini dikkate almaya devam edecek.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu taraf\u0131ndan al\u0131nan karara g\u00f6re, kredi kart\u0131 limitleri yak\u0131nda g\u00fcncellenecek. 400 bin liral\u0131k s\u0131n\u0131r istisna olacak ve y\u00fcksek limitler d\u00fc\u015febilecek. Limit art\u0131r\u0131m\u0131 i\u00e7in yeni kurallar devrede olacak.<\/p>\n","protected":false},"author":1,"featured_media":41021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[3403,1422,1157,2731,2187],"class_list":["post-41020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-400-bin-lira","tag-gelir","tag-kart","tag-kredi-karti","tag-limit"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/41020","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=41020"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/41020\/revisions"}],"predecessor-version":[{"id":41024,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/41020\/revisions\/41024"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/41021"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=41020"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=41020"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=41020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}