Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu (BDDK) karar\u0131yla 16 \u015eubat 2026 itibar\u0131yla limiti 400 bin TL\u2019nin \u00fczerinde olan kredi kartlar\u0131na k\u0131s\u0131tlama geliyor. Toplam limit 400\u2013750 bin TL aral\u0131\u011f\u0131nda olanlarda limit y\u00fczde 50, 750 bin TL\u2019nin \u00fczerinde olanlarda ise y\u00fczde 80 azalt\u0131lacak. D\u00fczenleme kapsam\u0131nda, belirli kredi kart\u0131 bor\u00e7lar\u0131 ile gecikmi\u015f ihtiya\u00e7 kredileri 48 aya kadar yeniden yap\u0131land\u0131r\u0131labilecek.<\/p>\n
T\u00fcrkiye\u2019de kredi kart\u0131 kullan\u0131m\u0131 2025\u2019te rekor seviyelere \u00e7\u0131karken, yeni d\u00fczenleme limitler ve bor\u00e7 y\u00f6netimi tart\u0131\u015fmas\u0131n\u0131 yeniden g\u00fcndeme ta\u015f\u0131d\u0131. 2025\u2019te kredi kart\u0131yla yap\u0131lan harcamalar 20,5 trilyon TL seviyesine ula\u015ft\u0131.<\/p>\n
400 bin TL e\u015fi\u011fi: Limitlerde iki kademeli d\u00fc\u015f\u00fc\u015f<\/strong><\/p>\n 16 \u015eubat Pazartesi g\u00fcn\u00fcnden itibaren limiti 400 bin TL\u2019nin \u00fczerinde olan kredi kartlar\u0131nda yeni uygulama devreye girecek.<\/p>\n Bor\u00e7lara 48 aya kadar yeniden yap\u0131land\u0131rma<\/strong><\/p>\n Yeni d\u00fczenleme kapsam\u0131nda:<\/p>\n T\u00fcketici \u00f6rg\u00fctlerinden ele\u015ftiri<\/strong><\/p>\n T\u00fcketici \u00d6rg\u00fctleri Konfederasyonu (T\u00d6K) Genel Ba\u015fkan\u0131 Fuat Engin, limit d\u00fc\u015f\u00fcrme ve yap\u0131land\u0131rma ad\u0131mlar\u0131n\u0131n hanelerde ge\u00e7im bask\u0131s\u0131n\u0131 art\u0131raca\u011f\u0131n\u0131 savundu. T\u00fcketici Haklar\u0131 Derne\u011fi (THD) Genel Ba\u015fkan\u0131 Erg\u00fcn K\u0131l\u0131\u00e7 da d\u00fczenlemelerin t\u00fcketimi k\u0131smaya d\u00f6n\u00fck oldu\u011funu ileri s\u00fcrd\u00fc.<\/p>\n Kart say\u0131s\u0131 ve al\u0131\u015fveri\u015f hacmi<\/strong><\/p>\n 2025 sonunda T\u00fcrkiye\u2019de toplam banka ve kredi kart\u0131 say\u0131s\u0131 460 milyona ula\u015ft\u0131. Bunun 142 milyonu kredi kart\u0131, 318 milyonu banka kart\u0131 olarak kaydedildi. 2025\u2019te banka ve kredi kartlar\u0131yla yap\u0131lan toplam al\u0131\u015fveri\u015f hacmi 24 trilyon 62 milyar TL, kredi kart\u0131 harcamas\u0131 ise 20 trilyon 425 milyar TL oldu.<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu (BDDK) karar\u0131yla 16 \u015eubat 2026 itibar\u0131yla kredi kart\u0131 limitlerine yeni k\u0131s\u0131tlama geliyor. Limiti 400 bin TL\u2019nin \u00fczerinde olan kartlarda, toplam limite g\u00f6re y\u00fczde 50\u2019ye ve y\u00fczde 80\u2019e varan d\u00fc\u015f\u00fc\u015f uygulanacak. D\u00fczenleme kapsam\u0131nda, belirli bor\u00e7lar i\u00e7in 48 aya kadar yeniden yap\u0131land\u0131rma imk\u00e2n\u0131 da getiriliyor.<\/p>\n","protected":false},"author":2,"featured_media":7128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[61,54,1958,55,60,57],"class_list":["post-7127","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankacilik","tag-bddk","tag-borc","tag-kredikarti","tag-tuketici","tag-yapilandirma"],"yoast_head":"\n\n
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\nbor\u00e7lunun 3 ay i\u00e7inde ba\u015fvurmas\u0131 halinde, yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyesi \u00fczerinden azami 48 ay vadeyle yeniden yap\u0131land\u0131r\u0131labilecek.<\/li>\n<\/ul>\n