![](\"https:\/\/ikimisli.tr\/wp-content\/uploads\/2026\/01\/kart-sahiplerine-kotu-haber-tum-kredi-karti-limitleri-bu-seviyeye-dusurulecek-0-IXVPbY9h.jpg\"\/)
<\/p>\nHazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek’in liderli\u011finde 21 Ocak 2026 tarihinde toplanan Finansal \u0130stikrar Komitesi, bankac\u0131l\u0131k b\u00f6l\u00fcm\u00fcn\u00fcn genel g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc masaya yat\u0131rd\u0131.\u00a0<\/p>\n
Son olarak temmuz ay\u0131nda al\u0131nan karar ile milyonlarca vatanda\u015f\u0131n kredi kart\u0131 ve Kredili Mevduat Hesab\u0131 (KMH) bor\u00e7lar\u0131na yap\u0131land\u0131rma imkan\u0131 sunan iktisat idaresi, t\u00fcm d\u00fczenlemelere kar\u015f\u0131n kredi kart\u0131 ve KMH kullan\u0131m\u0131nda ya\u015fanan art\u0131\u015f nedeniyle harekete ge\u00e7ti.\u00a0<\/p>\n
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Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan bankalar\u0131n kredi kartlar\u0131nda m\u00fc\u015fterilerin ayl\u0131k limitinin 4 kat\u0131na kadar tavan belirleyebilmesi istenirken, KMH hesaplar\u0131nda ise kelam konusu limit ayl\u0131k gelirin 3 kat\u0131 olarak k\u0131s\u0131tlanmakta. Mevzuatta a\u00e7\u0131k\u00e7a belirtilmesine kar\u015f\u0131n y\u0131l sonu maksatlar\u0131n\u0131 yakalamak ve b\u00fcy\u00fcme sonlar\u0131na tak\u0131lmamak isteyen bankalar, duyurduklar\u0131 pe\u015f pe\u015fe kampanyalar ile m\u00fc\u015fterileri KMH limitlerini kullanmaya ya da kredi kart\u0131 \u00fczerinden y\u00fckl\u00fc harcamalar yapmaya te\u015fvik etmekte.\u00a0<\/p>\n
KRED\u0130 KARTI VE KMH L\u0130M\u0130TLER\u0130NE D\u00dcZENLEME GEL\u0130YOR\u00a0<\/strong><\/p>\n Bu noktada birtak\u0131m \u00f6zel bankalar, m\u00fc\u015fterilere tahsis edilen kredi kart\u0131 ve KMH limitlerini mevzuatta 3 ila 4 kat\u0131 hudut koyulmas\u0131na kar\u015f\u0131n ayl\u0131k gelirin 10 kat\u0131na kadar y\u00fckseltmekte.\u00a0<\/p>\n Finansal okuryazarl\u0131\u011f\u0131 olmayan vatanda\u015flar\u0131n bor\u00e7 bata\u011f\u0131na saplanmas\u0131na neden olan bu durum, talep enflasyonunun da f\u0131rlamas\u0131na yol a\u00e7makta. Yap\u0131lan toplant\u0131da iktisat idaresi, bankalar\u0131n belirlenen hudutlara uymas\u0131 i\u00e7in kesim temsilcilerine talimatta bulunma karar\u0131 al\u0131rken, yap\u0131lan ikaz\u0131n akabinde BDDK taraf\u0131ndan y\u00fckl\u00fc para cezalar\u0131 ile kar\u015f\u0131 kar\u015f\u0131ya kalmak istemeyen bankalar, mevzuata muhalif halde art\u0131rd\u0131\u011f\u0131 limitleri s\u00fcratle d\u00fc\u015f\u00fcrme yoluna ba\u015fvuracak.\u00a0<\/p>\n Bu durum, standart kredi kart\u0131 ve KMH kullan\u0131c\u0131lar\u0131n\u0131n limitlerini etkilemese de, ayl\u0131k gelirinin 5 ila 10 kat\u0131na kadar limit tahsis edilen m\u00fc\u015fterilerin kredi kart\u0131 ve KMH limitlerinin s\u00fcratle ‘normal’ sona d\u00fc\u015f\u00fcr\u00fclmesine neden olacak.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":" \u00c7ar\u015famba g\u00fcn\u00fc Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek ba\u015fkanl\u0131\u011f\u0131nda toplanan Finansal \u0130stikrar Komitesi, bankac\u0131l\u0131k dal\u0131na y\u00f6nelik de\u011ferli kararlar ald\u0131. Yap\u0131lan incelemelerde bankalar\u0131n, m\u00fc\u015fterilerin ayl\u0131k gelirine k\u0131yasla mevzuat\u0131n \u00fczerinde Kredili Mevduat Hesab\u0131 (KMH) ve kredi kart\u0131 limiti tan\u0131mlad\u0131\u011f\u0131 de\u011ferlendirilirken, toplant\u0131da al\u0131nan karar\u0131n akabinde kelam konusu ihlallerin d\u00fczeltilmesi emeliyle bankac\u0131l\u0131k kesimi temsilcilerine talimat iletildi.<\/p>\n","protected":false},"author":1,"featured_media":94169,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[664,1775],"class_list":["post-94168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundem","tag-kati","tag-limit"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/94168","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=94168"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/94168\/revisions"}],"predecessor-version":[{"id":94172,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/94168\/revisions\/94172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/94169"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=94168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=94168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=94168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![](\"https:\/\/ikimisli.tr\/wp-content\/uploads\/2026\/01\/kart-sahiplerine-kotu-haber-tum-kredi-karti-limitleri-bu-seviyeye-dusurulecek-1-V21KUieB.jpg\"\/)
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