In cases of disputes such as money deposits from ATM, incomplete amounts to the account arising from money withdrawals, the deposited amount is not credited to the account, the ATM gives an incomplete amount, the person performing the transaction must prove the act in question. Disputes regarding transactions requiring proof of such a material act will be resolved in accordance with the concluded contract and general provisions. In order to solve the problems related to ATM transactions, first option is to bring this to the relevant bank, if there is no solution then you can apply to the arbitration committee formed by the Banks Association of Turkey and Turkey Participation Banks, and lastly judicial authorities if it is needed.

Before leaving the ATM and asking for help from someone else, you should call your bank immediately and take action in accordance with the instructions of the bank call center representative, if necessary, you should have your card closed for use. You should be careful with people who give advice by approaching with the excuse of help, and you should not share your password with anyone, including a bank employee / call center representative.

According to the relevant legislation, it is not possible to make as many installments as required for expenditures made by credit card. Installment restrictions are included in the paragraph (7) of Article 26 of the Regulation on Bank Cards and Credit Cards on the basis of goods and services

In the event that your commitment is not fulfilled, no penalty fee will be collected except for the amount given in advance or the part of the product or service cost that cannot be met with the commitment. For example; While 1 mile = 1 TL, you used 300 advance miles in addition to your 100 miles on your card for the purchase of 400 TL flight tickets. When the time required to fulfill your commitment has passed, you have saved only 100 miles, that is, you could not complete 200 advance miles of the 300 advance miles you used. The bank may charge you 200 TL in return for 200 advance miles. It cannot impose a penalty other than that. For solution of your problem first option is to bring this to the relevant bank, if there is no solution then you can apply to the arbitration committee formed by the Banks Association of Turkey and Turkey Participation Banks

First option is to bring this to the relevant bank, if there is no solution then you can apply to the arbitration committee formed by the Banks Association of Turkey and Turkey Participation Banks

If you do not pay the minimum payment amount of your credit card three times in a year, your card will be closed for cash use and if you do not pay three times in a row it will be closed for the purchase of goods and services if you do not pay three times in a row. The limit of your card cannot be increased until the entire debt of the period is paid, and your credit card will continue to be closed to cash or use until all of your card debt is paid. In addition, the Risk Center Banks Association of Turkey and enrollment in the Credit Bureau of the eyes can be affected negatively, administrative and legal proceedings may be initiated by the bank for the collection of debts.

Persons over the age of 18, who are capable of discrimination and who are not under restrictions, have the capacity to act and will be able to put themselves under rights and debt by their own actions. Except for the provisions regarding inheritance, only the person himself / herself is responsible for the credit card debts of the person, and the relatives of the debtor cannot be held responsible unless he is a surety for this debt.

It is possible to prevent a person over the age of 18 and who has discrimination power from obtaining / using a credit card only by restricting them by court order. In this case, giving a card without the consent of the guardian will be prevented, as well as the guardian appointed by the court decision to request the cancellation of the credit cards of the restricted person by applying to the relevant banks.

All banks in the banking system determine whether or not to issue credit cards according to the credit card allocation and risk policies they have established within the framework of the relevant legislation and free market economy conditions. As a result of the evaluation made by the bank, your credit card application may have been rejected due to your failure to comply with the relevant bank criteria. Ultimately, no bank is obliged and obliged to issue a credit card to you. All banks in the banking system determine whether or not to issue credit cards according to the credit card allocation and risk policies they have established within the framework of the relevant legislation and free market economy conditions. As a result of the evaluation made by the bank, your credit card application may have been rejected due to your failure to comply with the relevant bank criteria. Ultimately, no bank is obliged and obliged to issue a credit card to you. In the credit card allocation and limit determination process, banks have to evaluate the applicant's prohibition or disability status, economic and social status, average monthly or annual income, credit card limit allocated to this person by other card issuing institutions, and the results of a model or scoring system.

Persons over the age of 18, who have discrimination power, who are not under any restrictions and whose credibility is deemed appropriate by the relevant bank can receive credit cards. Banks set changing criteria for various professional groups, students and housewives. Credit card requests from individuals are evaluated by considering these criteria by banks, the Bank Cards and Credit Cards Law and the regulation created in this Law.

In the event that your credit card is lost, stolen, or you notice any transaction that was not made by you and that took place against your will, you must immediately notify the relevant bank. Making this notification is very important in determining the amount that you will be held liable in case of improper use of your card, and it allows you to be held liable for damages arising from illegal use within 24 hours prior to your notification, limited to 150 TL only. If the notification is not made within 24 hours, this limit of 150 TL will not be applied and you will be responsible for the entire debt. If your fault caused the improper use of the card, for example, if you shared your password with third parties or kept it in an easily accessible place (if you wrote the password on your card, if you carry your password with the paper on which you wrote it in your wallet), you may be held responsible for all damages.

You can appeal to your bank within ten days from the due date. In your application, you have to indicate which elements of the account statement you are objecting to. If you do not object within this ten-day period, your account statement will be final. Finalization of the account statement does not eliminate the right of applying to a court according to general provisions. On the other hand, chargeback periods for finalizing transactions to be carried out by banks within the scope of credit card spending objections are determined within the framework of the regulations of international card payment system institutions, and the chargeback periods are not subject to the regulations of our Agency.

You are responsible for every purchase made using your 3D password sent to your mobile phone registered in the bank system. Therefore, you should not share your single-use 3D password with anyone. In the message that your 3D password is received, the information of the company you shop from and your expenditure amount are included. Before you enter the password that comes with the same message, be sure to check them and if there is a difference, do not use your password, end your shopping process before completing it and inform your bank. You should remember that you will be fully responsible for any damages incurred as a result of your operations with the 3D password.

It is a system developed to increase the security of online credit card shopping. In the 3D security system, during the virtual payment transaction, the bank asks you for the payment password that only you know and your identity is verified. In this way, it is ensured that unauthorized persons are prevented from using credit cards on the internet. You should not share your 3D security password sent to your mobile phone by the bank with anyone, including the bank employee, just like your card password.

The limit of the virtual card is zero. In order to use it, you must first log into your bank's internet branch and load the limit on your card as much as you will spend from the virtual card limit upload menu. The limit you will load on the virtual card is instantly reduced from your actual card limit. If you set the limit you will install equal to your spending amount, your virtual card limit will automatically be reset after you spend. If you install a higher limit than the spending amount, it is appropriate to reset your post-trade limit to prevent the remaining money from being used by others. Or, by limiting the limit you load on the virtual card to the time limit, you can automatically restore the unused virtual card limit to the original card at the end of the period you set. You can track your virtual card expenditures from your account statement belonging to your main card.

It is possible to shop securely over the internet with a virtual card. A virtual card is a card that is not printed and does not have a physical presence, you can create based on your original card or account, and you can set the limit yourself. Annual membership fee, virtual card creation and usage fee cannot be charged from virtual credit cards.

Shopping online with credit cards is extremely safe when certain security rules are followed. First of all, you should make sure that the sites you shop are protected by security software and make sure that you are not directed to other sites with automatic programs during shopping. You should check that the link to the website you shop from is provided with an SSL certificate authenticated via ""https"", and your address bar must be green, if the address bar is not green, the site you are on may be a fake website.

You should not share the password of your card with anyone, including the Bank employee, keep your required password information securely and take precautions to prevent it from being used by anyone else. You should not create numbers that are relatively easy to guess.such as card password with consecutive numbers, your birthday date, etc.. Your card password should not be written on your card, you can use your card password together with your wallet, etc. you should not keep it within the reach of others.

Banks are obliged to respond to the complaint and objection applications of card and supplemental card holders within twenty days from the date of application, using the holder's application method and with a justification.

Yes it is possible. Your credit card cancellation request cannot be rejected on the ground that there is any debt balance associated with the relevant credit card. Annual membership fee cannot be collected during the debt repayment periods of credit cards canceled in this way.

In some cases after your credit card is canceled, even if you have paid all your debt, monthly installments and statements showing the settlement may continue to be sent to you. This does not mean that your card has not been closed.

Banks are obliged to cancel your credit card within 7 days, if you request it. If the bank does not cancel your credit card within 7 days despite your application, you can apply to our Institution via e-complaint, call center or CIMER channels.

Banks are obliged to apply the same credit card evaluation criteria with an annual membership fee when determining the free credit card limit. Therefore, upon your request, the bank has to replace your credit card with an annual membership fee with a free credit card, provided that the limit remains the same.

Banks, may reject the requests for limit increase based on the evaluation made by considering economic / social situation, credit rating / score etc of persons.

Your credit card limit can be reduced without your permission and approval. It is possible to determine a lower limit as a result of the updates made considering economic / social situation, credit rating / score etc of persons.

The limit determined by the bank in the allocation of credit cards cannot be increased without the permission and approval of the cardholder. On the other hand, if a periodic limit increase request is defined on your card based on your order, your approval is not required for later limit increases, and the limit increases will be valid if you do not object to the notification to be made fifteen days before the increase will occur.

If you exceed your limit with your expenditures, or if there is an excess of the card limit by no more than two in a calendar year, provided that it does not exceed twenty percent of your credit card limit and close it in the next accounting period, contractual interest is applied to the exceeded amount for the period between the transaction date and the payment date. You do not pay any fees other than the amount of interest calculated as specified.

Banks determine personal usage limits by evaluating the income, financial background, scoring results and prohibition / disability status of persons applying for credit cards. However, the total credit card limit to be granted for all credit cards owned by a natural person cannot exceed twice the monthly average net income of the relevant person for the first year and four times for the second and subsequent years.

Banks cannot send credit cards to you under any circumstances, unless you have your request. If your credit card was sent to you even though you did not make a request or signed a contract, you can apply to our institution via e-complaint, call center or CIMER.

The upper limit of interest rates for credit card transactions is determined by banks in accordance with the provisions of the Communiqué on Maximum Interest Rates in Credit Card Transactions published by the Central Bank. Our institution does not have any intermediary authority in determining interest rates and resolving disputes between the bank and its customers regarding interest rates.