{"id":56001,"date":"2012-03-08T16:32:34","date_gmt":"2012-03-08T13:32:34","guid":{"rendered":"http:\/\/epochtimestr.com\/?p=56001"},"modified":"2018-03-28T21:12:10","modified_gmt":"2018-03-28T18:12:10","slug":"tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler","status":"publish","type":"post","link":"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler","title":{"rendered":"T\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler"},"content":{"rendered":"

\u00a0T\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler<\/span><\/h1>\n

\"\"<\/a>T\u00fcketici Haklar\u0131 Derne\u011fi\u2019nin yapt\u0131\u011f\u0131 a\u00e7\u0131klamaya g\u00f6re Yarg\u0131tay, t\u00fcketicileri sevindiren bir karar ald\u0131. Bankalar \u00a0taraf\u0131ndan y\u0131ll\u0131k \u00fcyelik aidat\u0131 ad\u0131 alt\u0131nda kart sahiplerinden al\u0131nan \u00a0kredi kart\u0131 aidat\u0131, hesap i\u015fletim \u00fccretini 10 y\u0131ll\u0131k geriye d\u00f6n\u00fck olarak geri al\u0131nabilecek.<\/p>\n

\u00a0Yap\u0131lan a\u00e7\u0131klama \u015f\u00f6yle: \u2018\u2018Bu g\u00fcne kadar ki uygulamalarda bankalar taraf\u0131ndan y\u0131ll\u0131k \u00fcyelik aidat\u0131 ad\u0131 alt\u0131nda kart sahiplerinden talep edilen t\u00fcm aidatlar hakem heyetleri ve mahkemeler taraf\u0131ndan sebepsiz zenginle\u015fme h\u00fck\u00fcmlerine g\u00f6re de\u011ferlendirilerek 2 y\u0131ll\u0131k zaman a\u015f\u0131m\u0131na tabi tutuluyordu. Oysa genel h\u00fck\u00fcmlere g\u00f6re alacak hakk\u0131 10 y\u0131ll\u0131k zaman a\u015f\u0131m\u0131na tabi olmas\u0131 gerekiyordu. Yarg\u0131tay <\/a>bu konuda \u00e7ok \u00f6nemli yeni ilke karar\u0131 verdi. Buna g\u00f6re, t\u00fcketiciler taraf\u0131ndan aidatlar 10 y\u0131l geriye d\u00f6n\u00fck olarak talep edilebilecek.<\/p>\n

Yarg\u0131tay 13. Hukuk Dairesi\u2019nin bir uyu\u015fmazl\u0131kla ilgili verdi\u011fi 2011\/4736 esas, 2011\/11579 say\u0131l\u0131 kanun yar\u0131na bozma karar\u0131 uyar\u0131nca, \u2018kredi kartlar\u0131ndan y\u0131ll\u0131k \u00fcyelik aidat\u0131 tahsil edilmesinin haks\u0131z \u015fart niteli\u011finde oldu\u011fu ve geriye d\u00f6n\u00fck olarak on y\u0131l boyunca talep edilebilece\u011fi \u00a0sabit oldu\u201d.<\/p>\n

Emsal niteli\u011findeki bu karara g\u00f6re t\u00fcketiciler bankalar\u0131n ald\u0131\u011f\u0131 y\u0131ll\u0131k kredi kart\u0131 kullan\u0131m \u00fccreti (aidat) kesilmesine kar\u015f\u0131 10 y\u0131l geriye d\u00f6n\u00fck t\u00fcm kesintileri talep edebilecekler.<\/p>\n

T\u00fcketiciler Ne Yapmal\u0131?<\/h2>\n

A\u015fa\u011f\u0131da verilen dilek\u00e7e \u00f6rne\u011fini doldurup ilgili bankan\u0131n internet adresine e-posta ya da faks numaras\u0131na g\u00f6nderebilirsiniz.<\/p>\n

T\u00fcketiciler bankalar\u0131n kredi kart\u0131 s\u00f6zle\u015fmelerini kaybetmi\u015f de olabilirler. 5411 say\u0131l\u0131 Bankac\u0131l\u0131k kanunu gere\u011fince t\u00fcketici korunur. Bankalar Kredi kartlar\u0131 kanunu gere\u011fince Kredi Kartlar\u0131 s\u00f6zle\u015fmesinin bir \u00f6rne\u011fini, hesap kesim \u00fccretini, kredi kartlar\u0131 aidat\u0131n\u0131n 10 y\u0131ll\u0131k geriye d\u00f6k\u00fcm\u00fcn\u00fc t\u00fcketicinin talep etmesi \u00fczerine 20 g\u00fcn i\u00e7erisinde t\u00fcketiciye bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n

Yarg\u0131tay\u0131n\u00a0bu konuda bankaya g\u00f6nderilen \u00a0dilek\u00e7eyi e-posta \u2018okundu\u2019 sinyali ya da faks numaras\u0131na al\u0131nd\u0131\u011f\u0131na dair teyid belgesi de emsal olu\u015fturabilecek karar\u0131 bulunuyor.<\/p>\n

Dilek\u00e7e \u00d6rne\u011fi<\/h3>\n

\u00a0\u00a0\u00a0\u00a0\u00a0 \u2026\u2026\u2026\u2026\u2026BANKASI GENEL M\u00dcD\u00dcRL\u00dc\u011e\u00dc\u2019NE
\n\u2026\u2026\u2026\u2026\u2026\u2026..<\/p>\n

Konu: Kredi kart\u0131 \u00fcyelik aidat\u0131n\u0131n iadesi Hk.<\/p>\n

Bankan\u0131z\u0131n\u00a0\u00a0 …………….\u00a0\u00a0\u00a0 numaral\u0131 kredi kart\u0131 m\u00fc\u015fterisiyim. Her y\u0131l bankan\u0131za, an\u0131lan karta ait kredi kart\u0131 aidat\u0131 \u00f6demekteyim.<\/p>\n

Ancak, \u00e7e\u015fitli\u00a0 t\u00fcketici mahkemeleri ve Yarg\u0131tay kararlar\u0131yla da\u00a0 \u201cKredi kart\u0131 aidat \u00fccretlerinin haks\u0131z \u015fart niteli\u011finde\u00a0 ve t\u00fcketicilerden tahsilinin haks\u0131z\u00a0 oldu\u011fu sabitlenmi\u015ftir. \u201c<\/p>\n

\u00a0Ayr\u0131ca, bu konuda Yarg\u0131tay\u00a0 13.Hukuk Dairesince verilen ve ekte sunulan 2011\/4736 esas\u00a0\u00a0\u00a0 ve 2011\/11579 say\u0131l\u0131 son karara g\u00f6re ise s\u00f6z konusu y\u0131ll\u0131k kart aidat\u0131n\u0131n BK. 125 Md\u00a0 ve HGK 2010\/1-93-88 say\u0131l\u0131 karar\u0131 uyar\u0131nca\u00a0 on y\u0131l geriye d\u00f6n\u00fck olarak t\u00fcketiciler taraf\u0131ndan al\u0131nabilece\u011fine\u00a0 ili\u015fkin h\u00fckm\u00fc de kesinle\u015fmi\u015f bulunmaktad\u0131r.
\nBu \u00e7er\u00e7evede ve yukar\u0131daki gerek\u00e7eler do\u011frultusunda;<\/p>\n

1-\u00a0On y\u0131lla s\u0131n\u0131rl\u0131 olmak \u00fczere \u015fimdiye kadar bankan\u0131za yapt\u0131\u011f\u0131m kredi kart\u0131 aidat \u00f6dentilerinin on y\u0131l geriye d\u00f6n\u00fck olarak ve d\u00f6k\u00fcm\u00fcn\u00fc i\u00e7eren bir listenin taraf\u0131ma verilmesini,
\n2-\u00a0On y\u0131l geriye d\u00f6n\u00fck olarak benden kesilen y\u0131ll\u0131k kart \u00fccretlerinin toplam miktar\u0131n\u0131n yasal faizi ile birlikte defaten taraf\u0131ma iadesini,<\/p>\n

Aksi taktirde alaca\u011f\u0131m\u0131n faiziyle birlikte tahsili i\u00e7in her t\u00fcrl\u00fc mahkeme masraflar\u0131 ve avukatl\u0131k \u00fccretlerini bankan\u0131zdan tahsil etmek \u00fczere yasal yollara ba\u015f vuraca\u011f\u0131m\u0131 bildiririm<\/p>\n

Sayg\u0131lar\u0131mla,
\n..\/…\/2012
\nAd\u0131, Soyad\u0131
\nADRES :\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u0130MZA<\/p>\n

Ek : Yarg\u0131tay 13. Hukuk Dairesi Karar\u0131.<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00a0T\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler T\u00fcketici Haklar\u0131 Derne\u011fi\u2019nin yapt\u0131\u011f\u0131 a\u00e7\u0131klamaya g\u00f6re Yarg\u0131tay, t\u00fcketicileri sevindiren bir karar ald\u0131. Bankalar \u00a0taraf\u0131ndan y\u0131ll\u0131k \u00fcyelik aidat\u0131 ad\u0131 alt\u0131nda kart sahiplerinden al\u0131nan \u00a0kredi kart\u0131 aidat\u0131, hesap i\u015fletim \u00fccretini 10 y\u0131ll\u0131k geriye d\u00f6n\u00fck olarak geri al\u0131nabilecek. \u00a0Yap\u0131lan a\u00e7\u0131klama \u015f\u00f6yle: \u2018\u2018Bu g\u00fcne kadar ki uygulamalarda bankalar taraf\u0131ndan y\u0131ll\u0131k […]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":"","_yoast_wpseo_focuskw_text_input":""},"categories":[60],"tags":[],"yoast_head":"\nT\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler - The Epoch Times TR<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"T\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler - The Epoch Times TR\" \/>\n<meta property=\"og:description\" content=\"\u00a0T\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler T\u00fcketici Haklar\u0131 Derne\u011fi\u2019nin yapt\u0131\u011f\u0131 a\u00e7\u0131klamaya g\u00f6re Yarg\u0131tay, t\u00fcketicileri sevindiren bir karar ald\u0131. Bankalar \u00a0taraf\u0131ndan y\u0131ll\u0131k \u00fcyelik aidat\u0131 ad\u0131 alt\u0131nda kart sahiplerinden al\u0131nan \u00a0kredi kart\u0131 aidat\u0131, hesap i\u015fletim \u00fccretini 10 y\u0131ll\u0131k geriye d\u00f6n\u00fck olarak geri al\u0131nabilecek. \u00a0Yap\u0131lan a\u00e7\u0131klama \u015f\u00f6yle: \u2018\u2018Bu g\u00fcne kadar ki uygulamalarda bankalar taraf\u0131ndan y\u0131ll\u0131k […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler\" \/>\n<meta property=\"og:site_name\" content=\"The Epoch Times TR\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/theepochtimestr\" \/>\n<meta property=\"article:published_time\" content=\"2012-03-08T13:32:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-03-28T18:12:10+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/kredi-kart%C4%B11-300x190.png\" \/>\n<meta name=\"author\" content=\"D.Alk\u0131n\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TheEpochTimesTR\" \/>\n<meta name=\"twitter:site\" content=\"@TheEpochTimesTR\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"D.Alk\u0131n\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler#article\",\"isPartOf\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler\"},\"author\":{\"name\":\"D.Alk\u0131n\",\"@id\":\"https:\/\/epochtimestr.com\/#\/schema\/person\/68d6c22d0fb4650d2f0b9f7d8f486b58\"},\"headline\":\"T\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler\",\"datePublished\":\"2012-03-08T13:32:34+00:00\",\"dateModified\":\"2018-03-28T18:12:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler\"},\"wordCount\":655,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/epochtimestr.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler#primaryimage\"},\"thumbnailUrl\":\"http:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/kredi-kart%C4%B11-300x190.png\",\"articleSection\":[\"Taslak'da b\u0131rak\"],\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler\",\"url\":\"https:\/\/epochtimestr.com\/index.php\/tuketiciler-kredi-kart-aidatlarini-10-yillik-geriye-donuk-alabilecekler\",\"name\":\"T\u00fcketiciler Kredi Kart Aidatlar\u0131n\u0131 10 Y\u0131ll\u0131k Geriye D\u00f6n\u00fck Alabilecekler - 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