31.01.2026 21:31
The Banking Regulation and Supervision Agency shared new macroprudential measures regarding credit card limits, debt restructuring, and housing loans with the public. It was stated that with the new regulations, credit card limits below 400,000 lira will be protected, and it was emphasized that the measures aim to protect consumers and strengthen financial stability.
The Banking Regulation and Supervision Agency (BRSA) made a comprehensive statement on January 30 to better explain the macroprudential measures shared with the public. The agency emphasized that the decisions taken aim to strengthen financial stability and protect consumers.
BRSA reported that the relevant regulations were implemented in coordination with the Ministry of Treasury and Finance and the Central Bank of the Republic of Turkey (CBRT) as part of the Action Plan for Combating Illegal Betting, Gambling, and Games of Chance, and evaluations by the Financial Stability Committee. It was stated that the main purpose of the measures is to protect consumers, support low-income groups, and strengthen the financial system.
CREDIT CARD LIMITS WILL BE PROPORTIONAL TO INCOME
The statement indicated that the regulation regarding credit card limits was prepared to ensure that individual users make expenditures compatible with their incomes and to promote sustainable payment habits.
75% OF CREDIT CARD USERS WILL NOT BE AFFECTED
According to the data shared by BRSA for December 2025:
There is a total of 13.3 trillion lira in individual credit card limits in the sector.
Only 21% of these limits are being used, while 79% remain idle.
75% of the 40.7 million credit card users have limits below 400,000 lira.
The proportion of users with limits below 750,000 lira is around 90%.
NO DEDUCTION FOR LIMITS UP TO 400,000 LIRA
BRSA stated that expenditures in the last year will be taken into account to prevent customer grievances. It was emphasized that there will be no deductions from the limits of users with a credit card limit of 400,000 lira.
LIMIT USAGE UP TO 4 TIMES INCOME IS POSSIBLE
The statement expressed that there is no obstacle for individual credit card users to use credit card limits up to 4 times their income, provided they document their income.
EDUCATIONAL KMH LIMITS EXEMPTED
In the section regarding the Overdraft Account (KMH) regulation, it was reported that KMH limits granted for educational payments are exempt from the imposed restrictions.
NEW ERA IN DEBT RESTRUCTURING
With the regulation regarding the restructuring of individual credit card debts and personal loans, it was noted that the aim is to protect financial consumers and ensure payment discipline. It was stated that the changes made regarding credit cards aim to prevent frequent restructurings.
SUPPORT FOR LOW-INCOME GROUPS FROM HOUSING LOANS
With the regulation regarding housing loans, it was announced that the distinction between first-hand and second-hand housing has been removed to facilitate low-income groups in purchasing their first homes, and adjustments have been made in loan-to-value ratios.
BRSA: THE AIM IS TO PROTECT FINANCIAL STABILITY
At the end of the statement, it was emphasized that all decisions taken were implemented under the umbrella of the Financial Stability Committee, with a holistic approach and with the aim of protecting financial stability.