{"id":46495,"date":"2026-02-25T04:36:05","date_gmt":"2026-02-25T04:36:05","guid":{"rendered":"https:\/\/bihavadis.com\/?p=46495"},"modified":"2026-02-25T04:36:05","modified_gmt":"2026-02-25T04:36:05","slug":"kredi-karti-limitlerinde-yeni-donem-bugun-basladi","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/02\/25\/kredi-karti-limitlerinde-yeni-donem-bugun-basladi\/","title":{"rendered":"Kredi kart\u0131 limitlerinde yeni d\u00f6nem bug\u00fcn ba\u015flad\u0131"},"content":{"rendered":"

Bug\u00fcnden itibaren 400 bin TL\u2019nin \u00fczerindeki kredi kart\u0131 limitleri kademeli olarak d\u00fc\u015f\u00fcr\u00fclecek.<\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK)\u00a0taraf\u0131ndan al\u0131nan karar, y\u00fcksek kredi kart\u0131 limitlerini ilgilendiriyor.<\/p>\n

400 bin liral\u0131k s\u0131n\u0131r istisna oldu ve y\u00fcksek limitler d\u00fc\u015f\u00fcr\u00fcld\u00fc. Limit art\u0131r\u0131m\u0131 i\u00e7in yeni kurallar devreye ge\u00e7ti.<\/p>\n

BDDK karar\u0131yla kredi kart\u0131 limitleri, bug\u00fcn itibar\u0131yla yeniden hesaplanacak.\u00a0<\/p>\n

400 bin lira s\u0131n\u0131r\u0131 istisna kapsam\u0131na al\u0131n\u0131rken, y\u00fcksek limitli kartlarda d\u00fc\u015f\u00fc\u015f ya\u015fanabilecek.\u00a0<\/p>\n

Limit art\u0131r\u0131m\u0131 i\u00e7in ise yeni kurallar devreye girecek.<\/p>\n

Karar\u0131n amac\u0131 a\u015f\u0131r\u0131 bor\u00e7lanmay\u0131 ve enflasyonu kontrol alt\u0131na almak olarak a\u00e7\u0131kland\u0131.<\/span><\/p>\n

BANKALARA 3 AY S\u00dcRE TANINMI\u015eTI<\/strong><\/p>\n

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

YEN\u0130 D\u00d6NEM BA\u015eLADI<\/strong><\/p>\n

BDDK\u2019n\u0131n bankalara verdi\u011fi s\u00fcre 15 \u015eubat\u2019ta doldu. Bug\u00fcnden (16 \u015eubat 2026 Pazartesi) g\u00fcn\u00fcnden itibaren kredi kart\u0131 limitleri, yeni d\u00fczenlemeye g\u00f6re g\u00fcncellenecek.\u00a0<\/p>\n

E\u011e\u0130T\u0130M VE SA\u011eLIK HARCAMALARI L\u0130M\u0130T DI\u015eI BIRAKILDI<\/strong><\/p>\n

E\u011fitim ve sa\u011fl\u0131k harcamalar\u0131n\u0131n ise toplam limit hesaplamas\u0131nda olumsuz etkilenmemesi istendi. Bu kural, kullan\u0131c\u0131 ma\u011fduriyetini \u00f6nlemek i\u00e7in getirildi.<\/p>\n

<\/p>\n

TEK KART DE\u011e\u0130L 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

E\u011eER KARTINIZIN L\u0130M\u0130T\u0130 400 B\u0130N L\u0130RANIN ALTINDA \u0130SE <\/strong><\/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

400 B\u0130N L\u0130RA ALTINA \u201cGEL\u0130R BELGES\u0130 ZORUNLULU\u011eU\u201d YOK<\/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

400 B\u0130N L\u0130RANIN \u00dcZER\u0130NDEK\u0130 KARTLARDA L\u0130M\u0130T S\u0130L\u0130NMES\u0130:<\/strong><\/p>\n

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

Toplam limiti 400 bin-750 bin TL aras\u0131nda olan kartlarda limitler y\u00fczde 50 azalt\u0131lacak.<\/p>\n

750 bin TL\u2019nin \u00fczerindeki limitlerde ise kesinti oran\u0131 y\u00fczde 80 olacak.<\/p>\n

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

-600 bin lira limitli bir kartta bir y\u0131l boyunca 400 bin lira harcama yap\u0131ld\u0131ysa, kalan 200 bin liran\u0131n y\u00fczde 50\u2019si yani 100 bin liras\u0131 d\u00fc\u015f\u00fclecek ve 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. Yani burada harcama al\u0131\u015fkanl\u0131\u011f\u0131 kart\u0131n limitini belirlemede etkin olacak.<\/p>\n

<\/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

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

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

3- Limit belirlemede net gelir esas al\u0131nacak.\u00a0<\/p>\n

4- Bankalar kart limitini belirlerken; kredi notu, mevcut bor\u00e7 durumu ve \u00f6deme ge\u00e7mi\u015fini dikkate almaya devam edecek.<\/p>\n

YAPILANDIRMA \u0130MKANI<\/strong><\/p>\n

D\u00f6nem borcunu \u00f6deyemeyen kredi kart\u0131 sahipleri ve 30 g\u00fcn\u00fc a\u015fan gecikmeye d\u00fc\u015fm\u00fc\u015f ihtiya\u00e7 kredileri i\u00e7in en fazla 48 aya kadar yap\u0131land\u0131rma hakk\u0131 tan\u0131nd\u0131. Ba\u015fvurular\u0131n 3 ay i\u00e7inde yap\u0131lmas\u0131 gerekiyor.<\/p>\n

T\u00dcRK\u0130YE’DE KRED\u0130 KARTI KULLANIMI<\/strong><\/p>\n

T\u00fcrkiye\u2019de 2025 y\u0131l\u0131nda kredi kartlar\u0131yla yap\u0131lan harcamalar 20,4 trilyon TL\u2019ye \u00e7\u0131kt\u0131. Toplam kartl\u0131 \u00f6deme hacmi ise 24 trilyon TL\u2019yi a\u015ft\u0131. Bu durum, kredi kartlar\u0131n\u0131n bir\u00e7ok hane i\u00e7in adeta bir finansman arac\u0131na d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

BDDK taraf\u0131ndan al\u0131nan karara g\u00f6re, kredi kart\u0131 limitleri g\u00fcncellendi. 400 bin liral\u0131k s\u0131n\u0131r istisna oldu ve y\u00fcksek limitler d\u00fc\u015f\u00fcr\u00fcld\u00fc. Limit art\u0131r\u0131m\u0131 i\u00e7in yeni kurallar devrede ge\u00e7ti. Yeni kredi kart\u0131 kullanacaklar i\u00e7ini ise bu kurallara ilaveten gelire ba\u011fl\u0131 limit ve gelir belgesi zorunlulu\u011fu getirildi.<\/p>\n","protected":false},"author":1,"featured_media":46496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[3403,1422,1157,2731,2187],"class_list":["post-46495","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\/46495","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=46495"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46495\/revisions"}],"predecessor-version":[{"id":46500,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/46495\/revisions\/46500"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/46496"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=46495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=46495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=46495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}