{"id":62986,"date":"2025-08-02T02:45:19","date_gmt":"2025-08-02T02:45:19","guid":{"rendered":"https:\/\/ikimisli.tr\/?p=62986"},"modified":"2025-08-02T02:45:19","modified_gmt":"2025-08-02T02:45:19","slug":"milyonlarca-kredi-karti-kullanicisi-icin-yeni-donem-bugun-resmen-basladi","status":"publish","type":"post","link":"https:\/\/ikimisli.tr\/index.php\/2025\/08\/02\/milyonlarca-kredi-karti-kullanicisi-icin-yeni-donem-bugun-resmen-basladi\/","title":{"rendered":"Milyonlarca kredi kart\u0131 kullan\u0131c\u0131s\u0131 i\u00e7in yeni d\u00f6nem: Bug\u00fcn resmen ba\u015flad\u0131"},"content":{"rendered":"

T<\/span>\u00fcrkiye Cumhuriyet Merkez Bankas<\/span>\u0131 (TCMB), kredi kart\u0131 sahiplerini ilgilendiren <\/span>\u00f6nemli bir d\u00fczenlemeyi bug\u00fcn y\u00fcr\u00fcrl\u00fc<\/span>\u011fe koydu. 1 A\u011fustos 2025 tarihi prestijiyle uygulamaya giren yeni faiz oranlar\u0131, kredi kart\u0131 borcu olanlar\u0131n <\/span>\u00f6deme planlar<\/span>\u0131n\u0131 direkt etkileyecek. D<\/span>\u00fczenleme ile birlikte kart limitlerine nazaran belirlenen faiz oranlar<\/span>\u0131nda indirime gidildi.<\/span><\/p>\n

Merkez Bankas\u0131 taraf\u0131ndan yay\u0131mlanan yeni karara g<\/span>\u00f6re, kredi kart<\/span>\u0131 faiz oranlar\u0131 \u015fu halde de\u011fi\u015ftirildi:<\/span><\/strong><\/p>\n

25 bin TL alt\u0131 borcu olan ki\u015fisel kartlar i<\/span>\u00e7in faiz oran<\/span>\u0131 %3,50 olarak sabit kald\u0131.<\/span><\/p>\n

25 bin – 150 bin TL ortas\u0131 borcu olan kartlar i<\/span>\u00e7in faiz oran<\/span>\u0131 %4,25’ten %4,00’e d<\/span>\u00fc<\/span>\u015f<\/span>\u00fcr\u00fcld\u00fc.<\/span><\/p>\n

150 bin TL \u00fczeri borcu olan ferdi kartlar ve kurumsal kredi kartlar<\/span>\u0131 i<\/span>\u00e7in faiz oran<\/span>\u0131 %4,75’ten %4,50’ye indirildi.<\/span><\/p>\n

Azami gecikme faiz oranlar\u0131nda da <\/span>\u00f6nemli bir d\u00fc<\/span>\u015f<\/span>\u00fc<\/span>\u015f ya\u015fand\u0131. 25 bin TL alt\u0131 borcu olan kartlar i<\/span>\u00e7in gecikme faizi %3,80’de sabit kal<\/span>\u0131rken, \u00f6b\u00fcr limit aral\u0131klar\u0131ndaki gecikme faiz oranlar\u0131 da a\u015fa\u011f\u0131 <\/span>\u00e7ekildi.<\/span><\/p>\n

Nakit avans ve kredili mevduat hesaplar<\/span>\u0131nda da faiz indirimi yap\u0131ld\u0131. Nakit avans faiz oran\u0131 %5\u2019ten %4,75\u2019e, kredili mevduat hesab\u0131 faiz oran\u0131 ise %5,30’dan %5,05’e geriledi.<\/span><\/p>\n

Yabanc\u0131 para kredi kart\u0131 s\u00fcre\u00e7lerinde de faiz oranlar\u0131 d<\/span>\u00fc<\/span>\u015f<\/span>\u00fcr\u00fcld\u00fc. Azami akdi faiz oran<\/span>\u0131 %3,50’den %3,33’e, azami gecikme faiz oran\u0131 ise %3,80’den %3,63’e indirildi.<\/span><\/p>\n

Bug\u00fcn itibar<\/span>\u0131yla y<\/span>\u00fcr\u00fcrl\u00fc<\/span>\u011fe giren yeni d<\/span>\u00fczenlemeler, kredi kart<\/span>\u0131 kullan\u0131c\u0131lar\u0131n\u0131n <\/span>\u00f6deme y\u00fck\u00fcn\u00fc hafifletmeyi hedefliyor. Faiz oranlar<\/span>\u0131ndaki d<\/span>\u00fc<\/span>\u015f<\/span>\u00fc<\/span>\u015f, <\/span>\u00f6zellikle y\u00fcksek bor\u00e7lu kullan<\/span>\u0131c\u0131lar i<\/span>\u00e7in de\u011ferli bir avantaj sunarken, kart sahiplerinin finansal idarelerini daha kolay hale getirebilir. Yeniden de, bor\u00e7lar<\/span>\u0131n\u0131 d<\/span>\u00fczenli \u00f6demeye dikkat eden kullan<\/span>\u0131c\u0131lar, bu yeni d<\/span>\u00fczenlemeden daha fazla yarar sa<\/span>\u011flayabilecek.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131, kredi kart\u0131 kullan\u0131c\u0131lar\u0131 i\u00e7in yeni devri bug\u00fcn ba\u015flatt\u0131. Faiz oranlar\u0131nda yap\u0131lan de\u011fi\u015fiklikler, milyonlarca kredi kart\u0131 sahibini direkt etkileyecek.<\/p>\n","protected":false},"author":1,"featured_media":62987,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[7840,266,8016],"class_list":["post-62986","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-faiz-oran","tag-kart","tag-kredi-kart"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/62986","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/comments?post=62986"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/62986\/revisions"}],"predecessor-version":[{"id":62988,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/62986\/revisions\/62988"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/62987"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=62986"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=62986"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=62986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}