{"id":2253,"date":"2021-01-14T10:00:00","date_gmt":"2021-01-14T07:00:00","guid":{"rendered":"https:\/\/www.efeshukuk.com\/?p=2253"},"modified":"2021-01-16T20:00:17","modified_gmt":"2021-01-16T17:00:17","slug":"kredi-karti-aidat","status":"publish","type":"post","link":"https:\/\/efeshukuk.com\/en\/kredi-karti-aidat\/","title":{"rendered":"Do I Have to Pay a Credit Card Annual Fee? What Fees Can Banks Charge You?"},"content":{"rendered":"
\"Kredi<\/figure><\/div>\n\n\n\n

Kredi Kart\u0131 Aidat\u0131 | T\u00fcketici Avukat\u0131 | \u0130zmir Avukat | Kar\u015f\u0131yaka Avukat<\/strong><\/p>\n\n\n\n

Bankalar kredi kart\u0131ndan y\u0131ll\u0131k \u00fcyelik \u00fccreti alabilir mi?<\/h3>\n\n\n\n

3 Ekim 2014 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretlere \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Y\u00f6netmelik kapsam\u0131nda bankalar, kredi kart\u0131na ili\u015fkin imzalad\u0131\u011f\u0131n\u0131z s\u00f6zle\u015fmede y\u0131ll\u0131k \u00fcyelik \u00fccreti al\u0131nabilece\u011finin belirtilmesi ve s\u00f6z konusu \u00fccretin kart\u0131n\u0131za yans\u0131t\u0131lmas\u0131ndan en az bir ay \u00f6nce hesap \u00f6zetiniz ile bildirilmesi kayd\u0131yla kredi kart\u0131 y\u0131ll\u0131k \u00fcyelik \u00fccreti alabilirler.<\/p>\n\n\n\n

S\u00f6z konusu \u00fccretin al\u0131naca\u011f\u0131n\u0131n hesap \u00f6zeti ile bildirildi\u011fi d\u00f6neme ili\u015fkin son \u00f6deme tarihinden sonra kart\u0131n\u0131z\u0131 kullanmaya devam ederseniz, kredi kart\u0131 y\u0131ll\u0131k \u00fcyelik \u00fccretini kabul etmi\u015f olursunuz.<\/p>\n\n\n\n

Kredi kart\u0131 y\u0131ll\u0131k \u00fcyelik \u00fccreti ile ilgili uyu\u015fmazl\u0131klarda \u00f6ncelikle ilgili Bankaya, buradan sonu\u00e7 al\u0131namamas\u0131 halinde, T\u00fcrkiye Bankalar Birli\u011fi ve T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131 Birli\u011fi nezdindeki Bireysel M\u00fc\u015fteri Hakem Heyetlerine ba\u015fvurabilirsiniz. T\u00fcketici Hakem Heyetlerinde nas\u0131l ba\u015fvurabilece\u011finizi \u00f6\u011frenmek i\u00e7in ilgili yaz\u0131m\u0131za a\u015fa\u011f\u0131daki buton \u00fczerinden ula\u015fabilirsiniz.<\/p>\n\n\n\n

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T\u00fcketici Hakem Heyeti’ne Nas\u0131l Ba\u015fvurulur?<\/a><\/div>\n<\/div>\n\n\n\n

Kullanmad\u0131\u011f\u0131m kredi kart\u0131 i\u00e7in y\u0131ll\u0131k \u00fcyelik \u00fccreti \u00f6demek zorunda m\u0131y\u0131m?<\/h3>\n\n\n\n

Kredi kart\u0131 y\u0131ll\u0131k \u00fcyelik \u00fccreti, bor\u00e7land\u0131r\u0131c\u0131 nitelikteki ilk kullan\u0131m\u0131n\u0131z\u0131 m\u00fcteakip ve y\u0131ll\u0131k olarak tahakkuk ettirilebilir. Yani kredi kart\u0131n\u0131z\u0131 hi\u00e7 kullanmam\u0131\u015fsan\u0131z sizden \u00fccret al\u0131namaz. Ayr\u0131ca, kesintisiz olarak, en az 180 g\u00fcn s\u00fcreyle hareket g\u00f6rmeyen kredi kartlar\u0131n\u0131z hareketsiz kart kabul edilir ve bu kartlara hareketsiz kald\u0131\u011f\u0131 m\u00fcddet\u00e7e y\u0131ll\u0131k \u00fcyelik \u00fccreti yans\u0131t\u0131lamaz.<\/p>\n\n\n\n

Kart\u0131m\u0131 kaybettim. Kart yenileme i\u00e7in \u00fccret \u00f6der miyim?<\/h3>\n\n\n\n

Bir takvim y\u0131l\u0131 i\u00e7erisinde kay\u0131p, \u00e7al\u0131nt\u0131 ve benzeri nedenler dolay\u0131s\u0131yla ger\u00e7ekle\u015ftirileniki adete kadar kart yenileme kar\u015f\u0131l\u0131\u011f\u0131nda \u00fccret al\u0131namaz. Bir takvim y\u0131l\u0131 i\u00e7erisindeikiden fazla yenileme talebiniz olmas\u0131 halinde banka \u00fccret alabilir<\/p>\n\n\n\n

Konut kredisi taksitlerim bitti, buna ili\u015fkin bankadan alaca\u011f\u0131m borcu yoktur ka\u011f\u0131d\u0131 i\u00e7in banka benden \u00fccret tahsil edebilir mi?<\/h3>\n\n\n\n

Bir defaya mahsus olmak \u00fczere talep etti\u011finiz “borcu yoktur” \u015feklindeki bilgi yaz\u0131lar\u0131ndan \u00fccret al\u0131namaz.<\/p>\n\n\n\n

Bankalar bireysel m\u00fc\u015fterilerden hangi \u00fccretleri alabilir, bankalarca al\u0131nan \u00fccretlere ili\u015fkin itirazlar i\u00e7in nereye ba\u015fvurulabilir?<\/h3>\n\n\n\n

Bireysel nitelikteki finansal t\u00fcketicilerden al\u0131nacak \u00fccretler 3 Ekim 2014 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretlere \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Y\u00f6netmelik ile belirlenmi\u015ftir. Y\u00f6netmelik ile belirlenen ana \u00fccret kalemleri a\u015fa\u011f\u0131daki gibidir:<\/p>\n\n\n\n

  1. Bireysel Krediler<\/strong>
    1. Tahsis \u00dccreti<\/li>
    2. Ekspertiz \u00dccreti<\/li>
    3. Ta\u015f\u0131n\u0131r ve Ta\u015f\u0131nmaz Rehin Tesis \u00dccreti<\/li><\/ol><\/li>
    4. Mevduat\/Kat\u0131l\u0131m Fonu<\/strong>
      1. Hesap \u0130\u015fletim \u00dccreti (Yarg\u0131 karar\u0131 ile y\u00fcr\u00fctmesi durdurulmu\u015ftur.)<\/li>
      2. Para \u00c7ekme \u00dccreti<\/li><\/ol><\/li>
      3. Para Transferleri<\/strong>
        1. Elektronik Fon Transferi \u00dccreti<\/li>
        2. Havale \u00dccreti<\/li>
        3. Swift \u00dccreti<\/li><\/ol><\/li>
        4. Kredi Kartlar\u0131<\/strong>
          1. Y\u0131ll\u0131k \u00dcyelik \u00dccreti<\/li>
          2. Ek Kart Y\u0131ll\u0131k \u00dcyelik \u00dccreti<\/li>
          3. Kart Yenileme \u00dccreti<\/li>
          4. Nakit Avans \u00c7ekim \u00dccreti<\/li><\/ol><\/li>
          5. Other<\/strong>
            1. Kiral\u0131k Kasa \u00dccreti<\/li>
            2. Kampanyal\u0131 \u00dcr\u00fcn veya Hizmetler \u00dccreti<\/li>
            3. Fatura \u00d6deme \u00dccreti<\/li>
            4. Ar\u015fiv – Ara\u015ft\u0131rma \u00dccreti<\/li>
            5. Onaya Ba\u011fl\u0131 Bildirim \u00dccreti<\/li>
            6. Ba\u015fka Kurulu\u015f ATM’sinden Yap\u0131lan \u0130\u015flem \u00dccreti<\/li>
            7. Kamu Kurum ve Kurulu\u015flar\u0131na Yap\u0131lan \u00d6demeler<\/li>
            8. \u00dc\u00e7\u00fcnc\u00fc Ki\u015filere Yap\u0131lan \u00d6demeler<\/li><\/ol><\/li><\/ol>\n\n\n\n

              Y\u00f6netmelikte yer alan \u00fccretler d\u0131\u015f\u0131nda, finansal t\u00fcketicilerden farkl\u0131 bir \u00fccretin al\u0131nmas\u0131 m\u00fcmk\u00fcn bulunmamaktad\u0131r. Y\u00f6netmelikte belirlenen ve s\u00f6zle\u015fmenizde yer verilen d\u0131\u015f\u0131nda bir \u00fccret al\u0131nd\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z \u00f6ncelikle ilgili Bankaya, buradan sonu\u00e7 al\u0131namamas\u0131 halinde, T\u00fcrkiye Bankalar Birli\u011fi ya da T\u00fcrkiye Kat\u0131l\u0131m Bankalar\u0131 Birli\u011fi nezdindeki Bireysel M\u00fc\u015fteri Hakem Heyetlerine ba\u015fvuru yap\u0131lmas\u0131 m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n

              For our other articles prepared under the Consumer Protection Law No. 6502 (TKHK);<\/mark><\/p>\n\n\n\n