09.10.2025 10:22
The application period for the Banking Regulation and Supervision Agency's (BDDK) restructuring program for individual credit card debts will end on Friday, October 10, 2025. Those who wish to benefit from the regulation, which offers installment options of up to 48 months, must apply to banks or through digital channels by the end of the business day.
Sure! Here is the translated text while preserving the original HTML structure, including the translation of the `title` and `alt` attributes within any `img` tags (though there are no `img` tags in the provided HTML):
```html
There is 1 day left until the application deadline for individual credit cards or the restructuring of previously restructured credit card debts.
DEBTS CAN BE INSTALLED UP TO 48 MONTHS
According to the Banking Regulation and Supervision Agency's (BRSA) board decision dated July 10, debts can be restructured in installments of up to 48 months under this regulation.
The monthly installment amounts determined within the scope of restructuring will be added to the minimum payment amount of the relevant month. The limit of credit cards allocated to the cardholder cannot be increased without paying 50% of the credit card restructuring debt.
In the event that the restructuring amount exceeds the credit card limit, it has been decided that the exceeding part will not be considered as a limit excess.
The application period for the restructuring practice will end on Friday, October 10, 2025.
INTEREST RATE SET AT 3.11%
The Central Bank of the Republic of Turkey (CBRT) has set the maximum interest rate to be applied in credit card debt restructurings at 3.11%. This rate will apply to both new debts and the reorganization of previously restructured card debts.
WHICH DEBTS ARE COVERED?
With the new regulation, the scope of restructuring has been expanded. Now, not only credit card debts for which the minimum amount has not been paid but also all individual card debts with partially or completely unpaid period debts can be restructured.
Additionally, changes have been made to personal loans. Previously, only delays exceeding 30 days were included, but now all types of delayed payments are included in the restructuring scope.
RESTRUCTURING DATE WILL BE CONSIDERED
According to the regulation, for both credit card and personal loan debts, the debt balance on the restructuring date will be taken into account, not the decision date. Thus, previously restructured loans can also be restructured even if there is no delay.
FINAL WARNING TO DEBTORS
Experts recommend that citizens experiencing payment difficulties apply without waiting for the last days. Restructuring allows debts to be spread over a longer term and creates a regular payment plan.
Experts also warn that individuals who do not restructure their debts may face serious risks, stating:
If even the minimum payment is not made, there will be a risk of default, the credit score will drop, and the interest burden will increasingly rise.
It was also noted that no new regulation is expected after October 10.
```
If you have any further requests or need additional assistance, feel free to ask!