{"id":39802,"date":"2011-09-13T08:08:35","date_gmt":"2011-09-13T05:08:35","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=39802"},"modified":"2011-09-13T13:14:34","modified_gmt":"2011-09-13T10:14:34","slug":"kredi-karti-kullanicilari-icin-son-dort-gun","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=39802","title":{"rendered":"Kredi kart\u0131 kullan\u0131c\u0131lar\u0131 i\u00e7in son d\u00f6rt g\u00fcn"},"content":{"rendered":"<div id=\"attachment_39803\" style=\"width: 115px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-39803\" class=\"size-full wp-image-39803\" title=\"Aysel Alp - H\u00fcrriyet Gazetesi\" src=\"http:\/\/www.korhanyilmaz.com\/wp-content\/uploads\/2011\/09\/5064.jpg\" alt=\"\" width=\"105\" height=\"114\" \/><p id=\"caption-attachment-39803\" class=\"wp-caption-text\">Aysel Alp<\/p><\/div>\n<p style=\"text-align: justify;\">Kredi kart\u0131 borcunuzu d\u00fczenli \u00f6deyemeyenlerden misiniz? Yoksa borcunun asgari tutar\u0131n\u0131 ya da y\u00fczde 50\u2019sini \u00f6deyerek durumu idare edenlerden mi? O zaman 17 Eyl\u00fcl\u2019e dikkat etmesi gereken milyonlarca ki\u015fiden birisiniz\u2026<\/p>\n<p style=\"text-align: justify;\">Bankan\u0131z 17 Eyl\u00fcl\u2019den itibaren kredi kart\u0131n\u0131zla nakit \u00e7ekmenize izin vermeyecek. Ayrca kredi kart\u0131 limitinizi de art\u0131rmayacak. Neden mi? \u00c7\u00fcnk\u00fc Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun 17 Aral\u0131k 2010 tarihinde Resmi Gazetede yay\u0131mlanan y\u00f6netmeli\u011fi Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Hakk\u0131nda De\u011fi\u015fiklik Yapan Y\u00f6netmeli\u011fi bunu gerektiriyor.\u00a0<!--more--><\/p>\n<p style=\"text-align: justify;\">Halen T\u00fcrkiye\u2019de yakla\u015f\u0131k 18 milyon ki\u015fide 50 milyon kredi kart\u0131 bulunuyor. Yakla\u015f\u0131k 10 milyon ki\u015fi, kart borcunun yaln\u0131zca asgari tutar\u0131n\u0131 \u00f6deyerek g\u00fcn\u00fc kurtarmaya \u00e7al\u0131\u015f\u0131yor. Milyonlarca ki\u015fi de borcunun tamam\u0131n\u0131 de\u011filse de bir b\u00f6l\u00fcm\u00fcn\u00fc \u00f6deyerek b\u00fct\u00e7esini d\u00f6nd\u00fcrmeye \u00e7al\u0131\u015f\u0131yor. Bankalar\u0131n takibe d\u00fc\u015fen alacaklar\u0131n\u0131n y\u00fczde 20\u2019sini ise kredi kart\u0131 bor\u00e7lar\u0131ndan kaynaklanan alacaklar olu\u015fturuyor.<\/p>\n<p style=\"text-align: justify;\"><strong>17 EYL\u00dcL\u2019DE NE OLACAK?\u00a0<\/strong><\/p>\n<p style=\"text-align: justify;\">Y\u00f6netmeli\u011fe g\u00f6re, 17 Haziran 2011\u2019den itibaren kredi kart\u0131 borcunu bir takvim y\u0131l\u0131 i\u00e7inde \u00fc\u00e7 defa y\u00fczde 50\u2019sine kadar \u00f6deyenlere \u2018nakit \u00e7ekimi yasa\u011f\u0131\u2019 uygulanacak. Ayr\u0131ca kart limitleri de art\u0131r\u0131lmayacak. Bu yasak t\u00fcm borcun kapat\u0131lmas\u0131na kadar da devam edecek. 17 Haziran\u2019dan itibaren 3 ayd\u0131r kart borcunu yar\u0131s\u0131na kadar \u00f6deyenler i\u00e7in 17 Eyl\u00fcl itibariyle nakit \u00e7ekim yasa\u011f\u0131 ba\u015flayacak.<\/p>\n<p style=\"text-align: justify;\"><strong>YETER\u0130NCE B\u0130LG\u0130LEND\u0130R\u0130LMED\u0130K\u00a0<\/strong><\/p>\n<p style=\"text-align: justify;\">T\u00fcketici \u00f6rg\u00fctleri yeni uygulama konusunda kart kullan\u0131c\u0131lar\u0131n\u0131n yeterince bilgilendirilmedi\u011fini, t\u00fcketicinin tefecilerin kuca\u011f\u0131na itildi\u011fini ileri s\u00fcr\u00fcyor. Baz\u0131 bankac\u0131lar t\u00fcketici \u00f6rg\u00fctlerinin bu iddialar\u0131n\u0131n hakl\u0131 oldu\u011funu savunurken, baz\u0131 bankac\u0131lar da uygulaman\u0131n do\u011fru oldu\u011funu belirtiyor. \u00dcst d\u00fczey bir banka y\u00f6neticisi, \u201cBu hem bankay\u0131 hem de kart kullan\u0131c\u0131s\u0131n\u0131 disipline eden bir d\u00fczenleme. T\u00fcketiciye, kart borcunu \u00f6deyemiyorsan, limitini y\u00fckseltmem, nakit \u00e7ekmene de izin vermem, taa ki borcunu kapatana kadar, mesaj\u0131d\u0131r. Zaten bir ihtiya\u00e7 i\u00e7in kredi kart\u0131ndan nakit \u00e7ekmek ak\u0131ll\u0131ca bir davran\u0131\u015f de\u011fildir. Bunun yerine ihtiya\u00e7 kredisi kullan\u0131m\u0131 en sa\u011fl\u0131kl\u0131s\u0131d\u0131r\u201d diyor.<\/p>\n<p style=\"text-align: justify;\">Bu d\u00fczenlemeyle BDDK\u2019nin bankalara da mesaj verdi\u011fini belirten bankac\u0131, yeni kriz \u00e7anlar\u0131n\u0131n \u00e7ald\u0131\u011f\u0131 bir d\u00f6nemde bankalar\u0131n risk al\u0131rken daha dikkatli olmalar\u0131 gerekti\u011fine dikkat \u00e7ekti. Baz\u0131 bankalar\u0131n, vatanda\u015f\u0131n kredi kart\u0131 borcunun asgarisini \u00f6demesini te\u015fvik edercesine hareket etti\u011fini, bu sayede y\u00fcksek faizden para kazanma hesab\u0131 yapt\u0131\u011f\u0131n\u0131 anlatt\u0131. Ancak orta ve uzun vadede bu durumun banka i\u00e7in de s\u00fcrd\u00fcr\u00fclemez oldu\u011funu s\u00f6yledi.<\/p>\n<p style=\"text-align: justify;\"><strong>ASGAR\u0130 \u00d6DEME ORANI DA DE\u011e\u0130\u015eECEK\u00a0<\/strong><\/p>\n<p style=\"text-align: justify;\">Aral\u0131k\u2019ta yay\u0131mlanan bu y\u00f6netmelik kredi kart\u0131 bor\u00e7lusunun y\u00fczde 20 olan asgari \u00f6deme oran\u0131n\u0131 da y\u00fckseltiyor. Yeni kredi kart\u0131 alacak olanlar i\u00e7in asgari \u00f6deme tutar\u0131n\u0131n y\u00fczde 40 olarak uygulanmas\u0131n\u0131 \u00f6ng\u00f6ren y\u00f6netmelik, mevcut kart sahipleri i\u00e7in de kademeli bir art\u0131\u015f getiriyor.<\/p>\n<p style=\"text-align: justify;\">Buna g\u00f6re kredi kart\u0131 limiti 5 bin liraya kadar olanlar i\u00e7in y\u00fczde 20\u2019lik asgari \u00f6deme oran\u0131, 1 Ocak-31 Aral\u0131k 2012 tarihleri aras\u0131nda y\u00fczde 22\u2019ye; 1 Ocak 2013\u2019ten itibaren ise y\u00fczde 25\u2019e y\u00fckselecek.<\/p>\n<p style=\"text-align: justify;\">Kart limiti 5 bin ila 15 lira aras\u0131nda olanlar i\u00e7inse asgari \u00f6deme tutar\u0131 1 Temmuz\u2019dan itibaren y\u00fczde 22\u2019ye y\u00fckseldi. 1 Ocak\u2019tan itibaren ise y\u00fczde 25 olacak.<\/p>\n<p style=\"text-align: justify;\">Kart limiti 15 ila 20 bin aras\u0131nda olanlar\u0131n ise 1 Temmuz\u2019da y\u00fczde 22\u2019ye y\u00fckselen limitleri, 1 Ocak 2012\u2019de y\u00fczde 25\u2019e \u00e7\u0131kacak. 1 Temmuz 2012\u2019den itibaren y\u00fczde 28; 1 Ocak 2013\u2019ten sonra ise y\u00fczde 30 olarak uygulanacak.<\/p>\n<p style=\"text-align: justify;\">Kart limiti 20 binin \u00fczerinde olanlar\u0131n da y\u00fczde 22\u2019ye y\u00fckselen limitleri 1 Ocak\u2019tan ge\u00e7erli olmak \u00fczere y\u00fczde 25; 1 Temmuz\u2019dan itibaren y\u00fczde 28 olacak. 1 Ocak 2013\u2019ten itibaren y\u00fczde 30; 1 Temmuz 2013\u2019ten sonras\u0131 ise y\u00fczde 35\u2019e y\u00fckselecek.<\/p>\n<p style=\"text-align: justify;\">***<\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\">Kredi kart\u0131 limiti 0 TL \u2013 4.999 TL aras\u0131nda olan kredi kartlar\u0131 i\u00e7in<\/span> :<\/p>\n<p style=\"text-align: justify;\">17.12.2010 \u2013 31.12.2011 tarihleri aras\u0131nda %20<\/p>\n<p style=\"text-align: justify;\">01.01.2012 \u2013 31.12.2012 tarihleri aras\u0131nda %22<\/p>\n<p style=\"text-align: justify;\">01.01.2013&#8217;ten itibaren %25<\/p>\n<p style=\"text-align: justify;\">\u00a0***<\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\">Kredi kart\u0131 limiti 5.000 TL \u2013 14.999 TL aras\u0131nda olan kredi kartlar\u0131 i\u00e7in<\/span>:<\/p>\n<p style=\"text-align: justify;\">17.12.2010 \u2013 30.06.2011 tarihleri aras\u0131nda %20<\/p>\n<p style=\"text-align: justify;\">01.07.2011 \u2013 31.12.2011 tarihleri aras\u0131nda %22<\/p>\n<p style=\"text-align: justify;\">01.01.2012&#8217;den itibaren %25<\/p>\n<p style=\"text-align: justify;\">\u00a0***<\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\">Kredi kart\u0131 limiti 15.000 TL \u2013 19.999 TL aras\u0131nda olan kredi kartlar\u0131 i\u00e7in<\/span>:<\/p>\n<p style=\"text-align: justify;\">17.12.2010 \u2013 30.06.2011 %20<\/p>\n<p style=\"text-align: justify;\">01.07.2011 \u2013 31.12.2011 %22<\/p>\n<p style=\"text-align: justify;\">01.01.2012 \u2013 30.06.2012 %25<\/p>\n<p style=\"text-align: justify;\">01.07.2012 \u2013 31.12.2012 %28<\/p>\n<p style=\"text-align: justify;\">01.01.2013&#8217;den itibaren %30<\/p>\n<p style=\"text-align: justify;\">\u00a0***<\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\">Kredi kart\u0131 limiti 20.000 TL ve \u00fczeri olan kredi kartlar\u0131 i\u00e7in<\/span>:<\/p>\n<p style=\"text-align: justify;\">17.12.2010 \u2013 30.06.2011 %20<\/p>\n<p style=\"text-align: justify;\">01.07.2011 \u2013 31.12.2011 %22<\/p>\n<p style=\"text-align: justify;\">01.01.2012 \u2013 30.06.2012 %25<\/p>\n<p style=\"text-align: justify;\">01.07.2012 \u2013 31.12.2012 %28<\/p>\n<p style=\"text-align: justify;\">01.01.2013 \u2013 30.06.2013 %30<\/p>\n<p style=\"text-align: justify;\">01.07.2013 \u2013 31.12.2013 %35<\/p>\n<p style=\"text-align: justify;\"><a href=\"http:\/\/www.hurriyet.com.tr\/ekonomi\/18714328.asp\" target=\"_blank\">Kaynak : Aysel Alp &#8211; H\u00fcrriyet.com.tr<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p id=\"caption-attachment-39803\" class=\"wp-caption-text\">Aysel Alp<\/p>\n<p style=\"text-align: justify;\">Kredi kart\u0131 borcunuzu d\u00fczenli \u00f6deyemeyenlerden misiniz? Yoksa borcunun asgari tutar\u0131n\u0131 ya da y\u00fczde 50\u2019sini \u00f6deyerek durumu idare edenlerden mi? O zaman 17 Eyl\u00fcl\u2019e dikkat etmesi gereken milyonlarca ki\u015fiden birisiniz\u2026<\/p>\n<p style=\"text-align: justify;\">Bankan\u0131z 17 Eyl\u00fcl\u2019den itibaren kredi kart\u0131n\u0131zla nakit \u00e7ekmenize izin vermeyecek. Ayrca kredi kart\u0131 limitinizi de art\u0131rmayacak. Neden mi? <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-39802","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/39802","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=39802"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/39802\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=39802"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=39802"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=39802"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}