BDDK Statement: 75% of Credit Card Users Are Not Affected

Credit Card Users Safe with BDDK's New Regulation

The Banking Regulation and Supervision Agency (BDDK) made important statements regarding the recent regulations.

Credit Card Limits and User Profile

BDDK stated that the main aim of the regulation is to ensure that individual credit card users make expenditures proportional to their incomes, achieving sustainable payment performance. According to December 2025 data, there is a total of 13.3 trillion TL in individual credit card limits in the sector. Only 21% of this total limit (2.8 trillion TL) is in use, while 79% remains unused.

As of December 2025, it has been recorded that there are approximately 40.7 million individual credit card users in the sector. Of these users, 30.6 million, or 75%, have credit card limits below 400,000 TL. Therefore, these users will not be affected by the new regulation.

Victimization and New Regulations

In order to avoid victimization, it has been deemed necessary to reduce the limit of users with credit card limits of 400,000 TL based on the expenditures in the past year, particularly in the month with the highest spending. It has been stated that there will be no changes to the limits of users with 400,000 TL credit card limits.

Additionally, individual credit card users can use credit card limits up to four times their confirmed income.

Education Payments and KMH Regulation

Among the regulations, it is mentioned that the limits of the Overdraft Account (KMH) granted to individual customers for education payments are exempt from these restrictions.

Restructuring of Credit Debts

With the regulation, it is aimed to restructure individual credit card debts and personal loans, prioritizing the protection of financial consumers. It is intended that such restructurings will be prevented with the credit card regulations.

Changes in Housing Loans

Lastly, with the change in the credit value ratio for housing loans, the distinction between new and second-hand homes has been removed to support lower-income groups in purchasing their first homes. BDDK emphasized that these decisions were made with a holistic approach to preserve financial stability.