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It is a payment instrument given by banks and institutions authorized to issue them to their customers within certain limits to enable them to purchase goods and services without using cash and to draw cash loans.

Anyone over 18 years of age and with a regular income can apply for a credit card without the need for a guarantor. Non-income holders and foreign nationals must apply against a cash block.

The rate applied to the remaining account balance when the minimum payment amount or more is paid to the period debt.

In case of payment of a portion of the term debt below the minimum payment amount, the monthly rate applied only to the unpaid portion of the minimum payment amount.

If there is no debt carried over from the previous period and the debt stated in the statement of account has been paid in full by the due date, no penalty will be applied to the debt arising from the purchases. However, if part of the period debt is paid, interest will be calculated on the remaining account balance. Contractual interest is applied to the remaining account balance if the minimum payment amount and above is paid. In case of payment below the minimum payment amount, overdue interest will be charged for the unpaid portion of the minimum payment amount. Contractual interest will also be applied for the portion of the remaining account balance exceeding the minimum payment amount. The date of the last payment is taken as the beginning of default.

According to the law, 15% BITT (Banking and Insurance Transactions Tax) and 15% KKDF (Resource Utilization Support Fund) are calculated on all credit card related penalty amounts. These taxes are added to the interest amount by the relevant bank and collected from the cardholder on behalf of the state.

The minimum amount you have to pay will not be less than 10 TL in any case, and for those who get a credit card for the first time after 17.12.2010, this rate is 40% for 1 year after the first use of the card. For other customers, it is determined according to the limit they have.

Pursuant to legal regulations, if you pay less than the minimum due amount three times in a calendar year, your card will be closed to cash withdrawals and limit increases until your debt is paid in full. In addition, if you make three consecutive payments below the minimum due amount within a calendar year, your card will be closed for use until your debt is paid in full.