{"id":182,"date":"2014-01-10T16:34:12","date_gmt":"2014-01-10T14:34:12","guid":{"rendered":"http:\/\/balcilar-blog.com\/?p=182"},"modified":"2014-02-20T16:37:35","modified_gmt":"2014-02-20T14:37:35","slug":"kredi-karti-kullanimda-nelere-dikkat-edilmeli","status":"publish","type":"post","link":"https:\/\/balcilar-blog.com\/?p=182","title":{"rendered":"Kredi Kart\u0131 kullan\u0131mda nelere dikkat edilmeli!"},"content":{"rendered":"
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10 Ocak\u00a0’14<\/h4>\n<\/div>\n
<\/div>\n
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Kategori<\/dt>\n
Ekonomi – Finans<\/strong><\/a><\/dd>\n<\/dl>\n
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\"Kredi<\/div>\n
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Kredi kart\u0131<\/a>\u00a0kullan\u0131m\u0131 g\u00fcn\u00fcm\u00fcz\u00fcn vazge\u00e7ilmezi olmu\u015f. \u00dclkemizde milyonlarca ki\u015fi bug\u00fcn kredi kart\u0131 kullanmaktad\u0131r. \u0130nsanlar cebindeki nakit paray\u0131 sarf etmekte biraz daha s\u0131k\u0131d\u0131rlar. C\u00fczdandaki kredi kart\u0131n\u0131 kullanmak, paradan \u00e7ok daha cazip gelir. Sanki kart\u0131 o \u00f6demeyecekmi\u015f gibi. Bu nedenle kart kullanmak \u00e7ok yayg\u0131nla\u015fm\u0131\u015ft\u0131r. Zaten bankalar da kart kullan\u0131m\u0131 te\u015fvik etmektedir.<\/p>\n

\u015eayet kart kullanma da i\u015fi abart\u0131rsan\u0131z s\u0131k\u0131nt\u0131 \u00e7ekece\u011finiz do\u011fald\u0131r. Bug\u00fcn \u00fclkemizde 700 bin ki\u015fi kartlar\u0131n\u0131 \u00f6deyemez durumdad\u0131r. 2013 y\u0131l\u0131nda 450 bin ki\u015fi kredi kartlar\u0131n\u0131 \u00f6deyememi\u015ftir. 2013 y\u0131l\u0131n\u0131n a\u011fustos ay\u0131na g\u00f6re 8 ayl\u0131k devrede \u00f6denmeyen kart toplam\u0131 81 milyar lira civar\u0131ndad\u0131r.<\/p>\n

Bu nedenlerden dolay\u0131\u00a0BDDK<\/a>\u00a0Kredi kartlar\u0131n\u0131n kullan\u0131m\u0131yla ilgili birtak\u0131m s\u0131n\u0131rlamalar getirmi\u015ftir. Hen\u00fcz taslak halinde olan tasar\u0131 \u00f6n\u00fcm\u00fczdeki g\u00fcnlerde yasalla\u015facakt\u0131r.\u00a0 Yeni tasar\u0131, taksit say\u0131lar\u0131nda s\u0131n\u0131rland\u0131rmalar getiriliyor. Tasar\u0131ya g\u00f6re genel taksit say\u0131s\u0131 9 ay olurken, elektronik, kuyumculuk ve ileti\u015fimde taksit say\u0131s\u0131 6, beyaz e\u015fya ve mobilyada 12 ile s\u0131n\u0131rland\u0131r\u0131l\u0131yor. G\u0131da ve akaryak\u0131tta taksit yok. Burada hedef biraz da halk\u0131m\u0131z\u0131 tasarrufa y\u00f6nlendirmek.\u00a0 Bu tasar\u0131 ay sonuna kadar kanunla\u015facak.<\/p>\n

Di\u011fer taraftan BDDK\u2019 \u0131n \u201cBanka Kredi Kartlar\u0131 ve Kredi Kartlar\u0131 Hakk\u0131nda Y\u00f6netmenlikte De\u011fi\u015fiklik Yap\u0131lmas\u0131na \u0130li\u015fkin Y\u00f6netmenlik\u201d, Resmi Gazete\u2019de yay\u0131mland\u0131.<\/p>\n

\u0130lk defa kredi kart\u0131 sahibi olacak bir ger\u00e7ek ki\u015finin t\u00fcm kart ve kart \u00e7\u0131karan kurulu\u015flardan temin etti\u011fi kredi kartlar\u0131 i\u00e7in tan\u0131nacak toplam kredi kart\u0131 limiti, ilk y\u0131l i\u00e7in, ilgilinin ayl\u0131k ortalama ne gelirinin iki kat\u0131n\u0131, ikinci ve sonraki y\u0131llar i\u00e7in ise 4 kat\u0131n\u0131 a\u015famayacak. Ayr\u0131ca asgari \u00f6deme tutarlar\u0131nda da de\u011fi\u015fiklik yap\u0131ld\u0131. Kredi kart limiti 15 bin liraya kadar olanlarda harcama tutar\u0131n\u0131n % 25\u2019den % 30 \u00e7\u0131kart\u0131ld\u0131. 15 bin liradan y\u00fcksek limitli kartlarda, harcaman\u0131n %30\u2019dan, 35\u2019e \u00e7\u0131kart\u0131lm\u0131\u015f. Bu \u015fartlar kart sahiplerine, bir yaz\u0131 ile bildirilecek ve kredi kart\u0131 s\u00f6zle\u015fmelerinde bu husus belirtilecekmi\u015f. Bin liran\u0131n \u00fczerindeki kart limitleri, ayl\u0131k ve y\u0131ll\u0131k gelir d\u00fczeyleri kart hamili taraf\u0131ndan beyan edilen bilgiler dahilinde tespit edilecek. Kart halinin kredi \u00f6deme performans\u0131, varl\u0131k ve y\u00fck\u00fcml\u00fcl\u00fckleri, sosyal stat\u00fcs\u00fc, e\u011fitim d\u00fczeyi, ya\u015f\u0131 ve benzeri \u00f6deme g\u00fcc\u00fcne g\u00f6re tespit edilecektir.<\/p>\n

Kart limitlerinin, gelirinin 4 kat\u0131n\u0131 a\u015fmas\u0131 durumunda limit art\u0131\u015f\u0131 yap\u0131lmayacakt\u0131r.\u00a0 Bir takvim y\u0131l\u0131 i\u00e7inde asgari \u00f6deme tutar\u0131n\u0131 \u00fc\u00e7 kez \u00f6demeyenlere, bir daha nakit kullan\u0131m\u0131 yapt\u0131r\u0131lmayacakt\u0131r. Borcun tamam\u0131 kapat\u0131l\u0131ncaya kadar, nakit kullan\u0131m\u0131 ve kart kullan\u0131ma tamamen kapat\u0131lacakt\u0131r.<\/p>\n

Kredi kartlar\u0131 ile ilgili bu bilgileri verdikten sonra kullan\u0131c\u0131lara nacizane \u00f6nerilerim:<\/p>\n

    \n
  1. \u00d6deme g\u00fcc\u00fcn\u00fcz\u00fcn d\u0131\u015f\u0131nda y\u00fcksek limitli kredi kart\u0131 almay\u0131n.<\/li>\n
  2. Sadece bir, azami iki kredi kart\u0131na sahip olun.<\/li>\n
  3. Ayl\u0131k kart harcamalar\u0131n\u0131z\u0131,\u00a0ayl\u0131k gelir<\/a>iniz %35\u2019 ini ge\u00e7irmeyin.<\/li>\n
  4. Nas\u0131l olsa \u00f6derim deyip de, kart\u0131n\u0131z\u0131 \u00e7ok uzun vadeli taksitlendirme yapt\u0131rmay\u0131n.<\/li>\n
  5. Daha sonraki yapaca\u011f\u0131n\u0131z taksitlendirmelerde \u00f6nceden gelen taksit tutarlar\u0131n\u0131 hesaba kat\u0131n\u0131z.<\/li>\n
  6. Kesinlikle \u015fahsi kredi kartlar\u0131n\u0131z\u0131 arkada\u015f\u0131n\u0131, akraban\u0131z dahi olsa kulland\u0131rmay\u0131n. \u00d6denmemesi hainde sorumluluk kesinlikle kart sahibine size aittir.<\/li>\n
  7. Kredi kart\u0131 ile al\u0131\u015fveri\u015flerde,\u00a0vade fark\u0131<\/a>\u00a0koydurarak taksitli al\u0131\u015fveri\u015flerden kesinlikle ka\u00e7\u0131n\u0131n\u0131z.<\/li>\n
  8. Son s\u00f6z, kredi kart\u0131 ile bedava al\u0131\u015fveri\u015f yapt\u0131\u011f\u0131n\u0131z\u0131 sanmay\u0131n\u0131z kredi kart\u0131 bir \u00f6deme arac\u0131d\u0131r. Bedava gibi al\u0131r, \u00f6deme g\u00fcc\u00fcn\u00fcz\u00fc a\u015farsan\u0131z, malesef siz de kredi kart\u0131 ma\u011fdurlar\u0131ndan biri olursunuz.<\/li>\n<\/ol>\n

    Unutmay\u0131n bor\u00e7 yiyen kendi kesesinden yer.<\/p>\n

    Sayg\u0131lar, sevgiler.<\/p>\n

    Abdurrahman Balc\u0131lar<\/p>\n

    Twitter: abdurrahman balc\u0131lar@abbalcilar<\/p>\n

    Mail :\u00a0ab.balcilar@hotmail.com<\/a><\/p>\n

    \n

    Blog: milliyet.com.tr\/cansever<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    10 Ocak\u00a0’14 Kategori Ekonomi – Finans Kredi kart\u0131\u00a0kullan\u0131m\u0131 g\u00fcn\u00fcm\u00fcz\u00fcn vazge\u00e7ilmezi olmu\u015f. \u00dclkemizde milyonlarca ki\u015fi bug\u00fcn kredi kart\u0131 kullanmaktad\u0131r. \u0130nsanlar cebindeki nakit paray\u0131 sarf etmekte biraz daha s\u0131k\u0131d\u0131rlar. C\u00fczdandaki kredi kart\u0131n\u0131 kullanmak, paradan \u00e7ok daha cazip gelir. Sanki kart\u0131 o \u00f6demeyecekmi\u015f gibi. Bu nedenle kart kullanmak \u00e7ok yayg\u0131nla\u015fm\u0131\u015ft\u0131r. Zaten bankalar da kart kullan\u0131m\u0131 te\u015fvik etmektedir. \u015eayet […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[105,104,103],"class_list":["post-182","post","type-post","status-publish","format-standard","hentry","category-genel","tag-banka-kredi-kartlari","tag-bddk","tag-kredi-karti"],"views":3833,"blog_post_layout_featured_media_urls":{"thumbnail":"","full":""},"categories_names":{"1":{"name":"Genel","link":"https:\/\/balcilar-blog.com\/?cat=1"}},"tags_names":{"105":{"name":"Banka Kredi Kartlar\u0131","link":"https:\/\/balcilar-blog.com\/?tag=banka-kredi-kartlari"},"104":{"name":"BDDK","link":"https:\/\/balcilar-blog.com\/?tag=bddk"},"103":{"name":"Kredi Kart\u0131","link":"https:\/\/balcilar-blog.com\/?tag=kredi-karti"}},"comments_number":"0","wpmagazine_modules_lite_featured_media_urls":{"thumbnail":"","cvmm-medium":"","cvmm-medium-plus":"","cvmm-portrait":"","cvmm-medium-square":"","cvmm-large":"","cvmm-small":"","full":""},"_links":{"self":[{"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=\/wp\/v2\/posts\/182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=182"}],"version-history":[{"count":1,"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=\/wp\/v2\/posts\/182\/revisions"}],"predecessor-version":[{"id":183,"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=\/wp\/v2\/posts\/182\/revisions\/183"}],"wp:attachment":[{"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/balcilar-blog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}