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With the new regulation of the Banking Regulation and Supervision Agency (BRSA), the way was opened to assign high limits to credit cards to those who have money or gold accounts in the bank.
Although the new type of coronavirus epidemic (Kovid-19) affected many industries, it also brought changes in the consumer behavior of citizens. Especially in times of curfew, consumers satisfy their needs through e-commerce and mobile applications.
The banking and retail sector was one of the sectors with the most intensive use of technology during the epidemic. While the number of people using mobile apps and contactless cards from banks increased during the epidemic period, citizens continue their payment habits at mobile and contactless branches with the start of normalization.
Banking Regulation and Supervision Agency (BDDK) paved the way for the signing of credit card contracts with remote access devices with its arrangement in June. With current BRSA regulations, card issuing institutions may determine the credit card limit in the case of cash, assets and accounts similar to cash and precious metals, provided that it does not exceed the equivalent amount and is subject to a contract of pledge, without being subject to the obligation of the income statement and confirmation of income.
The analysts recalled that the total credit card limit that can be obtained from all card issuing institutions is determined at 2,000 lira if the average monthly or annual income level of a real person who will be the holder of the card cannot be determined. credit card for the first time.
The bank said that the BRSA regulation of the currency or the gold account for a higher credit card limits the opening of the express form of assignment of analysts, Turkish Institute of Statistics (TÜİKHe pointed out that there are unregistered employees at the 31.3 percent level according to his data and that they cannot officially present documents to banks, but these people have deposits in banks.
Analysts said that people whose paychecks are paid at the minimum wage but have more monthly income cannot get a high-limit credit card.
Claiming that both depositors and people who cannot fully document their monthly income can obtain credit cards with the corresponding regulation will contribute to the increase in the number and volume of credit cards in the future, analysts say that the payment system with card, the inclusion of the informal economy in the system, increased tax revenue, all contribute to growth by creating vitality in the economy. He noted that it has many economic and social benefits such as the inclusion of non-bank clients in the financial system.
Personal credit card balance increased by 12.8 billion lira in 6 months
According to the information compiled by the AA from BRSA data, as of September 18, the balance of individual credit cards is TL 129.3 billion. The balance on the personal credit card, which was 115.4 billion lire at the end of last year, increased by 13.8 billion lire in 8.5 months.
When the first Kovid-March 19 outbreak of the received base in Turkey started to look like an individual credit card balance of around 12.8 billion pounds in 6 months, the corporate credit card balance increased from 11 , 3 billion pounds.
Interbank Card Center (BKM), according to data from 72.6 million credit cards in Turkey in August, the total number of cards, including 176 million debit cards, is about 248.6 million units.
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