{"id":3674,"date":"2023-09-11T12:03:46","date_gmt":"2023-09-11T09:03:46","guid":{"rendered":"https:\/\/egemhabertv.com\/?p=3674"},"modified":"2023-09-11T12:03:46","modified_gmt":"2023-09-11T09:03:46","slug":"kredi-karti-ve-nakit-avans-kullanirken-bu-uyarilara-dikkat-edin","status":"publish","type":"post","link":"https:\/\/egemhabertv.com\/?p=3674","title":{"rendered":"Kredi kart\u0131 ve nakit avans kullan\u0131rken bu uyar\u0131lara dikkat edin"},"content":{"rendered":"<p> [ad_1]<br \/>\n<br \/><img decoding=\"async\" src=\"https:\/\/i.dunya.com\/storage\/files\/images\/2021\/12\/08\/kredi-karti-ingq_cover.jpg\" \/><\/p>\n<div>\n<p><strong>Tevfik \u015eAH\u0130N<\/strong><\/p>\n<p>Artan faiz oranlar\u0131, kredi kart\u0131 ve nakit avans kullan\u0131m\u0131n\u0131 etkilemiyor. Vatanda\u015flar ihtiya\u00e7lar\u0131 i\u00e7in kredi kart\u0131 ve nakit avans kullanmaya devam ediyor. Kar\u015f\u0131la\u015ft\u0131rma sitesi encazip.com, kredi kart\u0131 ve nakit avans kullan\u0131m\u0131n\u0131n \u2018uygun\u2019a getirmenin p\u00fcf noktalar\u0131n\u0131 ara\u015ft\u0131rd\u0131. Kredi kart\u0131 harcamalar\u0131nda ve nakit avans kullan\u0131mlar\u0131nda dikkat edilmesi gerekenleri s\u0131ralad\u0131.<\/p>\n<h2>1 Eyl\u00fcl\u2019den itibaren faiz oranlar\u0131 tekrar y\u00fckseldi<\/h2>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n verilerine g\u00f6re, 1 Aral\u0131k 2022\u2019den 1 Temmuz 2023\u2019e kadar sabit tutulan faiz oranlar\u0131 temmuz ve a\u011fustos aylar\u0131nda de\u011fi\u015ftirilmi\u015f ve 1 A\u011fustos\u2019tan itibaren ge\u00e7erli olmak ko\u015fuluyla kredi kart\u0131 kullan\u0131m\u0131nda, azami akdi faiz oran\u0131 y\u00fczde 2,13\u2019e, azami gecikme faiz oran\u0131 y\u00fczde 2,43\u2019e ve nakit avanslarda ise azami akdi faiz oran\u0131 y\u00fczde 2,89\u2019a, azami gecikme faiz oran\u0131 ise y\u00fczde 3,19\u2019a \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131. 1 Eyl\u00fcl\u2019den itibaren ge\u00e7erli olmak \u015fart\u0131yla ise kredi kart\u0131 kullan\u0131m\u0131nda, azami akdi faiz oran\u0131 y\u00fczde 2,81\u2019e, azami gecikme faiz oran\u0131 y\u00fczde 3,11\u2019e ve nakit avanslarda ise azami akdi faiz oran\u0131 y\u00fczde 3,57\u2019ye, azami gecikme faiz oran\u0131 ise y\u00fczde 3,87\u2019ye \u00e7\u0131kar\u0131ld\u0131.<\/p>\n<p>Kredi kart\u0131 kullan\u0131m\u0131nda ayl\u0131k gelirinizin \u00fczerine \u00e7\u0131kmay\u0131n<\/p>\n<p>\u00b7 Kredi kart\u0131 faizleri 1 Eyl\u00fcl\u2019den itibaren ge\u00e7erli olmak \u00fczere yeniden y\u00fckseldi ancak ihtiyac\u0131 olan vatanda\u015flar kredi kart\u0131 kullan\u0131m\u0131na devam ediyor. Kredi kart\u0131 kullan\u0131rken dikkat edece\u011finiz birka\u00e7 p\u00fcf noktas\u0131yla faiz art\u0131\u015flar\u0131ndan daha az etkilenebilir, kredi borcunuzu daha rahat y\u00f6netebilirsiniz.\u00a0<\/p>\n<p>\u00b7 \u00d6ncelikle ilk dikkat edilmesi gereken nokta, kredi kart\u0131 kullan\u0131rken ayl\u0131k gelirin \u00fczerinde bir harcama yap\u0131lmamas\u0131. Mevzuata g\u00f6re ayl\u0131k gelirinizin 4 kat\u0131na kadar kredi kart\u0131 limiti tan\u0131mlatabilirsiniz ancak kredi kart\u0131n\u0131n ayl\u0131k b\u00fct\u00e7e s\u0131n\u0131rlar\u0131 dahilinde kullan\u0131lmas\u0131 \u00f6neriliyor.\u00a0<\/p>\n<p>\u00b7 Bankalar\u0131n mobil uygulamalar\u0131n\u0131 kullanarak bir harcama limiti belirleyebilir ve ayl\u0131k harcaman\u0131z bu tutar\u0131n \u00fczerine \u00e7\u0131karsa otomatik olarak uyar\u0131 alabilirsiniz.<\/p>\n<p>\u00b7 Yaln\u0131zca kredi kart\u0131n\u0131n asgari tutar\u0131n\u0131 \u00f6demek, ayl\u0131k faiz i\u015flenmesine neden olur. Bu nedenle asgari tutar yerine ekstre tutar\u0131n\u0131n tamam\u0131 \u00f6denmeli.<\/p>\n<p>\u00b7 Kredi kart\u0131 harcamalar\u0131n\u0131n SMS veya mobil bildirim olarak iletilmesini isteyebilir, b\u00f6ylece harcamalar\u0131n\u0131z\u0131 kolayca g\u00f6rebilir ve kontrol alt\u0131na alabilirsiniz.<\/p>\n<p>\u00b7 Kredi kartlar\u0131n\u0131n bankadan bankaya de\u011fi\u015fen y\u0131ll\u0131k aidat \u00fccretleri vard\u0131r. Bunlar\u0131 ara\u015ft\u0131r\u0131p en d\u00fc\u015f\u00fck \u00fccret alan kart\u0131 se\u00e7ebilirsiniz.<\/p>\n<p>\u00b7 Bankalar\u0131n mobil uygulamalar\u0131ndan kampanyalar\u0131 takip edebilir ve kampanyalara kat\u0131labilirsiniz. B\u00f6ylece harcama yaparken puan kazanabilirsiniz.<\/p>\n<p>\u00b7 Baz\u0131 banklar\u0131n sa\u011flad\u0131\u011f\u0131 karta \u00f6zel indirim kampanyalar\u0131n\u0131 da takip ederek \u00f6demelerde avantaj sa\u011flayabilirsiniz.<\/p>\n<p>\u00b7 Kart g\u00fcvenli\u011fine dikkat etmek de b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor. Bilin\u00e7siz bir \u015fekilde internet \u00fczerinden al\u0131\u015fveri\u015f yapmak kart g\u00fcvenli\u011fini tehlikeye sokabilir. Bu nedenle g\u00fcvenilir ve bilinirli\u011fi y\u00fcksek platformlardan al\u0131\u015fveri\u015f yap\u0131lmaya \u00f6zen g\u00f6stermelisiniz.<\/p>\n<h2>Nakit avans\u0131 uzun vadeli olarak kullanacaksan\u0131z y\u00fcksek faiz \u00f6deyebilirsiniz<\/h2>\n<p>\u00b7 Bir di\u011fer se\u00e7enek de nakit avans. Taksitli nakit avanslar genellikle kredi kart\u0131na tan\u0131mlan\u0131yor ve kredi kart\u0131n\u0131n kullan\u0131ld\u0131\u011f\u0131 yerden an\u0131nda \u00e7ekilebiliyor.\u00a0<\/p>\n<p>\u00b7 Kredi kart\u0131ndan dolay\u0131 ki\u015fi bilgileri zaten bankada oldu\u011fu i\u00e7in ekstra bir ek belge veya evrak talep edilmiyor. Bu nedenle s\u00fcre\u00e7 h\u0131zl\u0131 ilerliyor.<\/p>\n<p>\u00b7 Nakit avansta geri \u00f6deme kolayl\u0131\u011f\u0131 i\u00e7in taksit se\u00e7enekleri de mevcut. Vade se\u00e7enekleri ise her bankaya g\u00f6re farkl\u0131l\u0131k g\u00f6steriyor. Bankalar\u0131n vadelerini ara\u015ft\u0131rarak \u00f6deme kolayl\u0131\u011f\u0131 sa\u011flayabilirsiniz.<\/p>\n<p>\u00b7 Taksitli nakit avanslar genellikle kredi kart\u0131 faiz oranlar\u0131na yak\u0131n veya daha y\u00fcksek faiz oranlar\u0131 ile geliyor. E\u011fer nakit avans\u0131 uzun vadeli olarak kullanacaksan\u0131z toplamda y\u00fcksek faiz \u00f6deyebilirsiniz. Kullan\u0131m\u0131n s\u00fcresini g\u00f6z \u00f6n\u00fcnde bulundurmakta yarar var.<\/p>\n<p>\u00b7 Taksitli nakit avans\u00a0kullan\u0131m\u0131, kredi kart\u0131 limitinden d\u00fc\u015f\u00fcyor ve ek harcama yap\u0131lmas\u0131n\u0131 k\u0131s\u0131tlayabiliyor. Nakit avans kullan\u0131rken bu da g\u00f6z \u00f6n\u00fcnde bulundurulmal\u0131.<\/p>\n<p>\u00b7 Taksitli nakit avans\u0131n toplam maliyetini \u00f6\u011frenmek i\u00e7in kredi kar\u015f\u0131la\u015ft\u0131rma sitelerinin ya da bankalar\u0131n taksitli nakit avans hesaplama mod\u00fcllerini kullan\u0131labilirsiniz. B\u00f6ylece, ihtiya\u00e7 kredilerinde oldu\u011fu gibi daha bilin\u00e7li olarak taksitli nakit avans kullanabilirsiniz.<\/p>\n<p>\u00b7 Bankalar\u0131n yeni m\u00fc\u015fteri kampanyalar\u0131n\u0131 takip ederek, faizsiz nakit avans se\u00e7eneklerinden yararlanabilirsiniz. Bir\u00e7ok banka\u00a0an\u0131nda m\u00fc\u015fteri olma\u00a0se\u00e7ene\u011fi ile uzaktan m\u00fc\u015fteri olan ki\u015filere \u00f6zel,\u00a0s\u0131f\u0131r faizli nakit avans\u00a0veya kampanyal\u0131 faiz oranlar\u0131 ile\u00a0ihtiya\u00e7 kredisi\u00a0se\u00e7ene\u011fi sunuyor. T\u00fcketiciler bankalar\u0131n g\u00fcncel kampanyalar\u0131n\u0131 takip ederek nakit avans ve kredi kullan\u0131mlar\u0131nda uygun avantajlar yakalayabilirler.<\/p>\n<\/p><\/div>\n<p>[ad_2]<br \/>\n<br \/><a href=\"https:\/\/www.dunya.com\/ekonomi\/kredi-karti-ve-nakit-avans-kullanirken-bu-uyarilara-dikkat-edin-haberi-704439\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[ad_1] Tevfik \u015eAH\u0130N Artan faiz oranlar\u0131, kredi kart\u0131 ve nakit avans kullan\u0131m\u0131n\u0131 etkilemiyor. Vatanda\u015flar ihtiya\u00e7lar\u0131<\/p>\n","protected":false},"author":1,"featured_media":3675,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-3674","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spor"],"_links":{"self":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/3674","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3674"}],"version-history":[{"count":0,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/3674\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/media\/3675"}],"wp:attachment":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}