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"KKB"

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Illustration representing the products and services KKB offers directly to its member institutions

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What Products and Services Does KKB Offer Directly to Members?

KKB was established, under banking law, to enable the exchange of all kinds of information and documents among at least five banks, and it also shares credit information about customers. The Credit Bureau of Turkey also serves deposit banks, participation banks, financial institutions, and more.

Logo or illustration representing the Credit Registration Bureau (KKB) in Turkey

Credit Card

What Is KKB (Credit Registration Bureau)?

KKB (Credit Registration Bureau) is a private company established in 1995 under Banking Law No. 5411 with nine bank shareholders, sharing credit information among member institutions.

Illustration representing credit information sharing among institutions in the Credit Reference System (KRS)

Credit Card

What Is KRS (Credit Reference System)?

The Credit Reference System (KRS) is an information sharing system that, using modern methods, enables detailed information about individual credit product customers to be shared among KKB member institutions, in order to determine the risk factor…

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.

Diagram illustrating how a bank allocates a credit card limit

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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.

Credit card application eligibility illustration

Credit Card

Who Can Legally Get a Credit Card?

People over 18 who have the capacity to discern, are not under legal restriction and whose creditworthiness is deemed suitable by the bank can get a credit card. Banks set different criteria for professions, students and homemakers.

Illustration of a credit card showing standard ISO/IEC 7810 and 7811 design features

Credit Card

What is a Credit Card?

A credit card is a printed card, or a card number with no physical form, that allows the purchase of goods and services or cash withdrawal without using cash. So how are credit card limits set and managed? Setting a limit involves checking many parameters about the customer.

Checklist of requirements for obtaining a credit card

Credit Card

What are the requirements for getting a credit card?

A credit card is one of the most important payment tools in our lives. Of course, certain criteria must be met to be eligible for one. So what are the minimum requirements for getting a credit card?

Illustration representing the advantages and disadvantages of credit cards

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What Are the Advantages and Disadvantages of a Credit Card?

Credit cards can be a convenient way to manage income and expenses, but for those who don't know how to use them, they can become an expensive and risky product. Here are the key pros and cons to weigh before applying for one.

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…