Bankayla yapt\u0131\u011f\u0131n\u0131z s\u00f6zle\u015fmenin \u015fartlar\u0131 bir gece ans\u0131z\u0131n de\u011fi\u015febilir…Babacan ve BDDK bankalar\u0131n vatanda\u015fa g\u00f6nderdi\u011fi hesap \u00f6zetlerinin arka sayfalar\u0131na koyduklar\u0131 k\u00fc\u00e7\u00fck notlarla \u00fcyelik \u00fccretlerini y\u00fckseltme, yeni ko\u015fullar getirme gibi vatanda\u015f\u0131n aleyhine i\u015flemler yapabilece\u011fini a\u00e7\u0131klad\u0131. Vatanda\u015f\u0131n ekstredeki bu notu g\u00f6rmeden, \u00f6deme yapmas\u0131 ve kart\u0131 kullanmaya devam etmesi halinde yeni ko\u015fullar\u0131 kabul etmi\u015f say\u0131laca\u011f\u0131n\u0131 vurgulad\u0131.<\/p>\n
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Bankalar\u0131n kredi kart\u0131 aidat\u0131, i\u015flem \u00fccretleri vb ad\u0131 alt\u0131nda vatanda\u015ftan ald\u0131klar\u0131 \u00fccretlerle ilgili tart\u0131\u015fma s\u00fcrerken, vatanda\u015f\u0131n daha b\u00fcy\u00fck bir sorunla kar\u015f\u0131 kar\u015f\u0131ya oldu\u011fu ortaya \u00e7\u0131kt\u0131. Bankalar\u0131n kredi kart\u0131 ekstrelerinin genellikle de arka y\u00fcz\u00fcne k\u00fc\u00e7\u00fck notlar koyarak vatanda\u015f\u0131n \u00f6deyece\u011fi \u00fccretleri art\u0131rd\u0131klar\u0131, yeni maliyetler ortaya \u00e7\u0131kard\u0131klar\u0131 anla\u015f\u0131ld\u0131. \u00dcstelik bu notlar\u0131 g\u00f6rmeksizin \u00f6demelerini yapan ve kart\u0131n\u0131 kullanmaya devam eden vatanda\u015flar\u0131n, bu de\u011fi\u015fiklikleri kabul etmi\u015f say\u0131laca\u011f\u0131 da en \u00fcst d\u00fczeyden resmiyet kazanm\u0131\u015f oldu.<\/p>\n
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CHP Milletvekili Umut Oran’\u0131n soru \u00f6nergesini yan\u0131tlayan BDDK Ba\u015fkan\u0131 Mukim \u00d6ztekin ve Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Ali Babacan, bankalar\u0131n hesap ekstrelerinin arkas\u0131na k\u00fc\u00e7\u00fck notlar ekleyerek vatanda\u015f\u0131n \u00f6dedi\u011fi \u00fccretleri art\u0131rmas\u0131 yeni \u00fccret getirmesi gibi i\u015flemleri savundu. Babacan, vatanda\u015f\u0131n, ekstredeki bu notu g\u00f6rmeden \u00f6deme yapmas\u0131 ve kart\u0131 kullanmaya devam etmesi halinde yeni ko\u015fullar\u0131 kabul etmi\u015f say\u0131laca\u011f\u0131n\u0131 vurgulad\u0131. B\u00f6ylece vatanda\u015f bankalara kar\u015f\u0131 bir kez daha korumas\u0131z kald\u0131.<\/p>\n
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BANKANIN NOTUNU G\u00d6RMEDEN KARTI KULLANAN, KABUL ETM\u0130\u015e SAYILIR<\/b><\/p>\n
Oran’\u0131n konuyla ilgili sorular\u0131n\u0131 BDDK notuyla 19 Mart’ta yan\u0131tlayan Babacan, vatanda\u015f\u0131 ma\u011fdur eden bankalar\u0131n tek tarafl\u0131 s\u00f6zle\u015fme de\u011fi\u015fikliklerini savundu. Babacan, “Bankalar\u0131n m\u00fc\u015fterilerine g\u00f6nderdi\u011fi kredi kart\u0131 hesap \u00f6zetlerinin arka sayfalar\u0131nda k\u00fc\u00e7\u00fck puntolarla kimi bildirimlerde bulunarak o kart sahibi aleyhine bir i\u015flem yapmas\u0131, \u00f6rne\u011fin kart aidat \u00fccretini y\u00fckseltmesi, yani tek tarafl\u0131 s\u00f6zle\u015fme de\u011fi\u015fikli\u011fi yapmas\u0131 yasal olarak uygun mudur?” sorusunu \u015f\u00f6yle yan\u0131tlad\u0131:
\n“S\u00f6zle\u015fmede yap\u0131lacak de\u011fi\u015fiklikler kart hamiline bildirilir. Bu de\u011fi\u015fiklikler bildirim yap\u0131ld\u0131\u011f\u0131 d\u00f6neme ili\u015fkin son \u00f6deme tarihinden itibaren h\u00fck\u00fcm ifade eder. Son \u00f6deme tarihinden sonra kart\u0131n kullan\u0131lmaya devam edilmesi halinde s\u00f6zle\u015fmede meydana gelen de\u011fi\u015fiklik kabul edilmi\u015f say\u0131l\u0131r.”<\/p>\n
<\/p>\n
HESAP \u00d6ZETLER\u0130N\u0130N ARKASINI B\u0130LE \u0130Y\u0130CE \u0130NCELEY\u0130N\u00a0<\/b><\/p>\n
Babacan, vatanda\u015f\u0131n haberi olmadan faiz art\u0131r\u0131lmas\u0131na ili\u015fkin de \u015funlar\u0131 s\u00f6yledi: “Faiz oran\u0131n\u0131n art\u0131r\u0131lmas\u0131 durumunda bu de\u011fi\u015fikli\u011fin vatanda\u015fa otuz g\u00fcn \u00f6nce bildirilmesi gerekir. Vatanda\u015f, bildirimden itibaren altm\u0131\u015f g\u00fcn i\u00e7inde tam borcunu \u00f6deyip, kredi kart\u0131n\u0131 kullanmaya son verirse, faiz art\u0131\u015f\u0131ndan etkilenmez.”<\/p>\n
<\/p>\n
Babacan, bankalar\u0131n bu bildirimleri kredi kart\u0131 ekstrelerinin arka y\u00fczlerine k\u00fc\u00e7\u00fck notlarla yap\u0131lmas\u0131na ili\u015fkin olarak da, “yasal olarak de\u011fi\u015fiklikler hesap \u00f6zetinde 12 punto harfler kullan\u0131larak belirtilir” demekle yetindi.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankayla yapt\u0131\u011f\u0131n\u0131z s\u00f6zle\u015fmenin \u015fartlar\u0131 bir gece ans\u0131z\u0131n de\u011fi\u015febilir…Babacan ve BDDK bankalar\u0131n vatanda\u015fa g\u00f6nderdi\u011fi hesap \u00f6zetlerinin arka sayfalar\u0131na koyduklar\u0131 k\u00fc\u00e7\u00fck notlarla \u00fcyelik \u00fccretlerini y\u00fckseltme, yeni ko\u015fullar getirme gibi vatanda\u015f\u0131n aleyhine i\u015flemler yapabilece\u011fini a\u00e7\u0131klad\u0131. Vatanda\u015f\u0131n ekstredeki bu notu g\u00f6rmeden, \u00f6deme yapmas\u0131 ve kart\u0131 kullanmaya devam etmesi halinde yeni ko\u015fullar\u0131 kabul etmi\u015f say\u0131laca\u011f\u0131n\u0131 vurgulad\u0131. Bankalar\u0131n kredi kart\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":32171,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,20],"tags":[4992,7440,1640],"class_list":["post-32170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-turkiye","tag-dikkat","tag-hesap-ozeti","tag-kredi-karti"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/32170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32170"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/32170\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/media\/32171"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}