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"Card Limits"

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Illustration representing bank credit card limit management

Credit Card

How is limit management done in banks?

In transactions carried out through banks, a certain limit is set due to the rules and requirements of institutions such as the BRSA (BDDK) and MASAK, as well as the measures banks take to reduce risk, and transactions above this limit are not approved. In the world of payment systems…

Credit card limit increase criteria

Credit Card

What Is a Credit Card Limit Increase?

A credit card is a loan granted by the bank, so it must follow certain criteria and stay within a limit. As card usage changes over time, the need for a higher limit can arise.

Credit card representing a periodic limit increase

Credit Card

What Is a Periodic Credit Limit Increase?

As credit card use grows, so does the importance of raising your limit to keep pace with inflation. Learn how periodic limit increases work, who qualifies, and the legal caps that apply.

Illustration showing how a credit card's available limit is calculated from the card limit, current spending, and installments

Credit Card

What Is Available Limit?

Available limit is what remains of a credit card's limit after subtracting current spending and outstanding installments. See how it's calculated, with worked examples.

How a business card works for corporate companies

Credit Card

How Does a Business Card Work?

A business card is a card corporate companies use to manage their financial transactions. The application is made in the company's name, and a virtual primary card that is not physically printed is created for the company. Additional cards are then issued to users.

Diagram illustrating how a bank allocates a credit card limit

Credit Card

What does credit card limit allocation mean?

A credit card is a card whose limit the bank sets after evaluating the customer against criteria such as income, payment history, and credit bureau score.

Limit Control System (LKS) diagram

Credit Card

What is LKS (Limit Control System)?

Limit Control System (LKS): A system provided by KKB (Credit Bureau of Turkey) that allows customers' limit details to be checked in real time. It provides member banks (or institutions) with information sharing on consumers' credit card limits. Under the regulation by the BRSA...

Credit card limit and over-limit spending illustration

Credit Card

Do I Pay an Extra Fee If I Exceed My Credit Card Limit?

If you exceed your limit by no more than 20% and close it in the next statement period, no more than twice a calendar year, only contractual interest is charged on the excess amount. You pay no additional fee.

Table showing prepaid card loading, spending and cash withdrawal limits

Prepaid Cards

What Are the Transaction Limits for Anonymous Prepaid Cards?

Prepaid cards are among the most popular cards right now, and their use keeps growing. A prepaid card is not linked to a bank account, has no credit limit like a credit card, and can be used up to the amount loaded onto it.

Credit card limit reduction illustration

Credit Card

Can My Credit Card Limit Be Reduced Without My Permission?

Yes. Your credit card limit can be reduced without your permission and approval. Banks may set a lower limit as a result of updates based on a person's economic and social situation, credit score and similar information.