30.08.2025 18:21
The Banking Regulation and Supervision Agency (BDDK) has identified that some banks have been estimating salaries to show customers' income higher than it actually is, thereby unlawfully increasing credit card limits. The agency announced that administrative and monetary penalties will be imposed on banks that engage in fraudulent limit increases.
```html
The Banking Regulation and Supervision Agency (BRSA) has detected that some banks have unlawfully increased credit card limits. Inspections revealed that limit increases were made with declarations exceeding the customers' actual income.
ACCORDING TO REGULATIONS, CARD LIMITS SHOULD NOT EXCEED FOUR TIMES THE INCOME
According to regulations, an individual's credit card limit cannot exceed four times their monthly net income. However, investigations revealed that this rule was systematically violated.
For example, in an information message sent to a customer, the monthly income was shown as 120,000 lira, and the card limit was raised to 260,800 lira. However, the customer's actual income was at the level of 40,000 lira. In this case, a limit of at most 160,000 lira could have been defined.
WARNINGS AND PENALTIES FOR BANKS
According to Star's news; the BRSA sent an official warning to the relevant banks following these irregularities. The agency's statement included, "Administrative sanctions and fines will be imposed on banks that violate the rules and make fraudulent increases."
IMPORTANT WARNING FOR CITIZENS
Authorities emphasized the need to be cautious against these regular limit increases made without the customers' request. Cardholders were reminded that they could prevent such transactions by turning off the "regular limit increase" option in the "Card Settings" section of the banks' mobile applications.
```