{"id":39056,"date":"2013-05-18T15:01:06","date_gmt":"2013-05-18T12:01:06","guid":{"rendered":"http:\/\/www.erzurumflas.com\/?p=39056"},"modified":"2013-05-20T07:10:42","modified_gmt":"2013-05-20T04:10:42","slug":"kredi-karti-sahiplerine-buyuk-mujde","status":"publish","type":"post","link":"https:\/\/www.erzhaber.com.tr\/?p=39056","title":{"rendered":"Kredi kart\u0131 sahiplerine b\u00fcy\u00fck m\u00fcjde"},"content":{"rendered":"<p><strong itemprop=\"description\">G\u00fcmr\u00fck ve Ticaret Bakanl\u0131\u011f\u0131 y\u0131ll\u0131k kredi kart\u0131 aidat\u0131 tart\u0131\u015fmalar\u0131na son noktay\u0131 koydu. Bakanl\u0131k y\u0131ll\u0131k kart aidat\u0131n\u0131 kald\u0131ran yeni tasar\u0131y\u0131 kamuoyuna duyurdu.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong itemprop=\"description\"><\/strong>Bakanl\u0131\u011f\u0131n haz\u0131rlad\u0131\u011f\u0131 taslakta bankalara m\u00fc\u015fteriler lehine d\u00fczenlemeler getirildi. Buna g\u00f6re, bankalar taraf\u0131ndan s\u00f6zle\u015fmeler 12 punto ve koyu siyah harflerle yaz\u0131l\u0131rken, y\u0131ll\u0131k \u00fcyelik aidat\u0131 ve benzeri isim alt\u0131nda \u00fccret tahsil etmedikleri bir kredi kart\u0131 t\u00fcr\u00fc sunmalar\u0131 zorunlu hale getirildi.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div><\/div>\n<div><strong>\u0130\u015fte Bakanl\u0131k&#8217;tan yap\u0131lan o a\u00e7\u0131klama:<\/strong><\/div>\n<div><\/div>\n<div><\/div>\n<div>4077 Say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun Tasar\u0131 Tasla\u011f\u0131<\/div>\n<div><\/div>\n<div>Bakanl\u0131\u011f\u0131m\u0131zca 4077 say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun Tasar\u0131 Tasla\u011f\u0131nda konuya ili\u015fkin d\u00fczenlemeler yap\u0131larak t\u00fcm kesimlerin g\u00f6r\u00fc\u015f ve \u00f6nerilerine sunulmu\u015f olup, gelen g\u00f6r\u00fc\u015fler do\u011frultusunda Tasla\u011fa son hali verilmi\u015ftir.<\/div>\n<div>Bu do\u011frultuda konuyla ilgili olarak Tasar\u0131 Tasla\u011f\u0131nda a\u015fa\u011f\u0131da belirtilen d\u00fczenlemeler yap\u0131lm\u0131\u015ft\u0131r.<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div>* T\u00fcketicilerle imzalanan s\u00f6zle\u015fmelerin en az oniki punto b\u00fcy\u00fckl\u00fc\u011f\u00fcnde, anla\u015f\u0131labilir bir dilde, a\u00e7\u0131k, sade ve okunabilir bir \u015fekilde d\u00fczenlenmesi zorunlu hale getirilmi\u015ftir.<\/div>\n<div><\/div>\n<div>* S\u00f6zle\u015fmede \u00f6ng\u00f6r\u00fclen ko\u015fullar\u0131n, s\u00f6zle\u015fme s\u00fcresi i\u00e7erisinde t\u00fcketici aleyhine de\u011fi\u015ftirilemeyece\u011fi d\u00fczenlenmi\u015ftir.<\/div>\n<div><\/div>\n<div>* T\u00fcketiciden; kendisine sunulan mal veya hizmet kapsam\u0131nda hakl\u0131 olarak yap\u0131lmas\u0131n\u0131 bekledi\u011fi ve s\u00f6zle\u015fmeyi d\u00fczenleyenin yasal y\u00fck\u00fcml\u00fcl\u00fckleri aras\u0131nda yer alan edimler ile s\u00f6zle\u015fmeyi d\u00fczenleyenin kendi menfaati do\u011frultusunda yapm\u0131\u015f oldu\u011fu masraflar i\u00e7in ek bir bedel talep edilemeyece\u011fi d\u00fczenlenmi\u015ftir.<\/div>\n<div><\/div>\n<div>* Bankalar\u0131n t\u00fcketiciden faiz d\u0131\u015f\u0131nda ald\u0131\u011f\u0131 \u00fccret, komisyon ve masraflar\u0131n Bakanl\u0131\u011f\u0131m\u0131z\u0131n uygun g\u00f6r\u00fc\u015f\u00fc al\u0131narak Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu taraf\u0131ndan belirlenece\u011fi \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fcr.<\/div>\n<div><\/div>\n<div>* T\u00fcketiciden talep edilecek her t\u00fcrl\u00fc \u00fccret ve masrafa ili\u015fkin bilgilerin, s\u00f6zle\u015fmenin eki olarak t\u00fcketiciye verilmesi zorunlu k\u0131l\u0131nm\u0131\u015ft\u0131r.<\/div>\n<div><\/div>\n<div>* Temerr\u00fct hali de d\u00e2hil olmak \u00fczere, t\u00fcketici i\u015flemlerinde bile\u015fik faiz uygulanmas\u0131 yasaklanm\u0131\u015ft\u0131r.<\/div>\n<div><\/div>\n<div>* \u00a0Kart \u00e7\u0131karan kurulu\u015flar\u0131n t\u00fcketicilere y\u0131ll\u0131k \u00fcyelik aidat\u0131 ve benzeri isim alt\u0131nda \u00fccret tahsil etmedikleri bir kredi kart\u0131 t\u00fcr\u00fc sunmalar\u0131 zorunlu hale getirilmi\u015ftir.<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div>Bakanl\u0131\u011f\u0131m\u0131z kredi kart\u0131 \u00fcyelik \u00fccretinin al\u0131n\u0131p al\u0131nmayaca\u011f\u0131na ili\u015fkin tart\u0131\u015fmalar\u0131 sona erdirecek bir form\u00fcl\u00fc yukar\u0131da belirtildi\u011fi \u015fekilde haz\u0131rlay\u0131p kamuoyu ile payla\u015fm\u0131\u015ft\u0131r. Buna g\u00f6re; kart \u00e7\u0131karan kurulu\u015flar y\u0131ll\u0131k \u00fcyelik aidat\u0131 ve benzeri isim alt\u0131nda \u00fccret tahsil etmedikleri bir kredi kart\u0131 t\u00fcr\u00fcn\u00fc t\u00fcketicilerin kullan\u0131m\u0131na sunmak zorunda olacaklard\u0131r. Kart \u00e7\u0131karan kurulu\u015flar bu kartlara serbest rekabet ortam\u0131 i\u00e7erisinde isterlerse yukar\u0131da belirtilen ilave hizmetleri de \u00fccretsiz olarak sunabilme imkan\u0131na sahip olacaklard\u0131r.<\/div>\n<div>Ayr\u0131ca, s\u00f6z konusu \u00fccret ve komisyonlar hakk\u0131nda t\u00fcketicilerin \u00f6nceden, a\u00e7\u0131k\u00e7a ve do\u011fru bir \u015fekilde bilgilendirilmesi ve bu \u00e7er\u00e7evede m\u00fc\u015fterilerin \u00fcr\u00fcn ve hizmet se\u00e7imlerini bilin\u00e7li olarak ve kendi tercihlerine g\u00f6re yapmalar\u0131na imkan sa\u011flanmas\u0131 b\u00fcy\u00fck \u00f6nem arz etmektedir.<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div>Gerek kredi kartlar\u0131 gerekse t\u00fcketici kanun tasar\u0131 tasla\u011f\u0131ndaki di\u011fer de\u011fi\u015fikliklere ili\u015fkin \u00e7ok daha geni\u015f bir a\u00e7\u0131klama, \u00e7al\u0131\u015fmalar tamamland\u0131\u011f\u0131nda kamuoyu ile payla\u015f\u0131lacakt\u0131r.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>G\u00fcmr\u00fck ve Ticaret Bakanl\u0131\u011f\u0131 y\u0131ll\u0131k kredi kart\u0131 aidat\u0131 tart\u0131\u015fmalar\u0131na son noktay\u0131 koydu. Bakanl\u0131k y\u0131ll\u0131k kart aidat\u0131n\u0131 kald\u0131ran yeni tasar\u0131y\u0131 kamuoyuna duyurdu. &nbsp; Bakanl\u0131\u011f\u0131n haz\u0131rlad\u0131\u011f\u0131 taslakta bankalara m\u00fc\u015fteriler lehine d\u00fczenlemeler getirildi. Buna g\u00f6re, bankalar taraf\u0131ndan s\u00f6zle\u015fmeler 12 punto ve koyu siyah harflerle yaz\u0131l\u0131rken, y\u0131ll\u0131k \u00fcyelik aidat\u0131 ve benzeri isim alt\u0131nda \u00fccret tahsil etmedikleri bir kredi kart\u0131 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,20],"tags":[8781,1640,1013],"class_list":["post-39056","post","type-post","status-publish","format-standard","hentry","category-ekonomi","category-turkiye","tag-kredi-haberleri","tag-kredi-karti","tag-mujde"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/39056","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=39056"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/39056\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=39056"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=39056"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=39056"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}