{"id":139794,"date":"2026-08-02T11:18:47","date_gmt":"2026-08-02T08:18:47","guid":{"rendered":"https:\/\/mersingazetesi.com\/?p=139794"},"modified":"2026-08-02T11:18:47","modified_gmt":"2026-08-02T08:18:47","slug":"gulcan-kis-turkiyede-gecimin-adi-kredi-karti","status":"publish","type":"post","link":"https:\/\/mersingazetesi.com\/index.php\/2026\/08\/02\/gulcan-kis-turkiyede-gecimin-adi-kredi-karti\/","title":{"rendered":"G\u00dcLCAN KI\u015e: &#8220;T\u00dcRK\u0130YE&#8217;DE GE\u00c7\u0130M\u0130N ADI: KRED\u0130 KARTI&#8221;"},"content":{"rendered":"<div>\n<div class=\"v1x_WordSection1\">\n<p class=\"v1x_MsoNormal\">Kredi kart\u0131 3,3 trilyon liraya ula\u015ft\u0131&#8230; \u0130htiya\u00e7 kredisi 2,5 trilyonu a\u015ft\u0131&#8230; Eksi hesap 910 milyar liraya dayand\u0131&#8230; Vatanda\u015f\u0131n bankalara olan ge\u00e7im borcu 6 trilyon 677 milyar liraya \u00e7\u0131kt\u0131.<\/p>\n<p class=\"v1x_MsoNormal\">CHP Mersin Milletvekili G\u00fclcan K\u0131\u015f, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) ile T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) verilerini de\u011ferlendirdi. K\u0131\u015f, T\u00fcrkiye&#8217;de vatanda\u015f\u0131n art\u0131k gelirini de\u011fil, borcunu y\u00f6netmeye \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 belirterek, &#8220;\u0130ktidar ekonomiyi b\u00fcy\u00fctt\u00fc\u011f\u00fcn\u00fc s\u00f6yl\u00fcyor ama b\u00fcy\u00fcyen tek \u015fey vatanda\u015f\u0131n bankalara olan borcu.&#8221; dedi.<\/p>\n<p class=\"v1x_MsoNormal\"><b>6,7 TR\u0130LYON L\u0130RALIK GE\u00c7\u0130M BORCU<\/b><\/p>\n<p class=\"v1x_MsoNormal\">BDDK&#8217;n\u0131n son verilerine g\u00f6re vatanda\u015f\u0131n;<\/p>\n<ul type=\"disc\">\n<li class=\"v1x_MsoNormal\">Bireysel kredi kart\u0131 borcu 3 trilyon 279 milyar liraya,<\/li>\n<li class=\"v1x_MsoNormal\">\u0130htiya\u00e7 kredisi borcu 2 trilyon 544 milyar liraya,<\/li>\n<li class=\"v1x_MsoNormal\">Kredili mevduat (eksi hesap) borcu 910 milyar liraya y\u00fckseldi.<\/li>\n<\/ul>\n<p class=\"v1x_MsoNormal\">B\u00f6ylece vatanda\u015f\u0131n yaln\u0131zca kredi kart\u0131, ihtiya\u00e7 kredisi ve eksi hesaptan olu\u015fan toplam borcu 6 trilyon 677 milyar liraya ula\u015ft\u0131.<\/p>\n<p class=\"v1x_MsoNormal\">&#8220;Bu rakam finansal bir veri de\u011fildir. Bu rakam, milyonlarca hanenin ay sonunu bor\u00e7la getirdi\u011finin resmidir.&#8221;<\/p>\n<p class=\"v1x_MsoNormal\"><b>KRED\u0130 KARTI ARTIK ALI\u015eVER\u0130\u015e \u0130\u00c7\u0130N DE\u011e\u0130L, YA\u015eAMAK \u0130\u00c7\u0130N KULLANILIYOR<\/b><\/p>\n<p class=\"v1x_MsoNormal\">Kredi kart\u0131 borcunun 2 trilyon 44 milyar liras\u0131n\u0131n taksitsiz olmas\u0131, vatanda\u015f\u0131n art\u0131k uzun vadeli al\u0131\u015fveri\u015f de\u011fil, g\u00fcnl\u00fck ya\u015fam\u0131n\u0131 finanse etti\u011fini g\u00f6steriyor.<\/p>\n<p class=\"v1x_MsoNormal\">TCMB&#8217;nin kartl\u0131 harcama verileri de bunu do\u011fruluyor.<\/p>\n<p class=\"v1x_MsoNormal\">Son verilere g\u00f6re kart harcamalar\u0131nda;<\/p>\n<ul type=\"disc\">\n<li class=\"v1x_MsoNormal\">Market ve al\u0131\u015fveri\u015f merkezleri: 129,8 milyar TL<\/li>\n<li class=\"v1x_MsoNormal\">Benzin ve yak\u0131t istasyonlar\u0131: 43 milyar TL<\/li>\n<li class=\"v1x_MsoNormal\">\u00c7e\u015fitli g\u0131da harcamalar\u0131: 42 milyar TL<\/li>\n<\/ul>\n<p class=\"v1x_MsoNormal\">ile ilk s\u0131ralarda yer ald\u0131.<\/p>\n<p class=\"v1x_MsoNormal\">&#8220;Bu tablo \u00e7ok \u015fey anlat\u0131yor. Vatanda\u015f kredi kart\u0131yla televizyon alm\u0131yor; ekmek al\u0131yor. Tatil planlam\u0131yor; deposunu doldurmaya \u00e7al\u0131\u015f\u0131yor. L\u00fcks t\u00fcketmiyor; mutfa\u011f\u0131n\u0131 \u00e7evirmeye \u00e7al\u0131\u015f\u0131yor. T\u00fcrkiye&#8217;de kredi kart\u0131 art\u0131k al\u0131\u015fveri\u015f kart\u0131 de\u011fil, ge\u00e7im kart\u0131d\u0131r.&#8221;<\/p>\n<p class=\"v1x_MsoNormal\"><b>337 M\u0130LYAR L\u0130RALIK ALARM<\/b><\/p>\n<p class=\"v1x_MsoNormal\">Bor\u00e7 b\u00fcy\u00fcrken \u00f6denemeyen bor\u00e7 da h\u0131zla art\u0131yor.<\/p>\n<p class=\"v1x_MsoNormal\">BDDK verilerine g\u00f6re vatanda\u015f\u0131n t\u00fcketici kredileri ve bireysel kredi kartlar\u0131nda takibe d\u00fc\u015fen borcu 337 milyar liraya ula\u015ft\u0131.<\/p>\n<p class=\"v1x_MsoNormal\">Bu borcun;<\/p>\n<ul type=\"disc\">\n<li class=\"v1x_MsoNormal\">178,8 milyar liras\u0131n\u0131 kredi kartlar\u0131,<\/li>\n<li class=\"v1x_MsoNormal\">156,2 milyar liras\u0131n\u0131 ise ihtiya\u00e7 kredileri olu\u015fturuyor.<\/li>\n<\/ul>\n<p class=\"v1x_MsoNormal\">&#8220;337 milyar liral\u0131k takipteki alacak demek; y\u00fcz binlerce ailenin icra tehdidi alt\u0131nda ya\u015famas\u0131 demektir. Bug\u00fcn bankalar\u0131n takip listesine giren, d\u00fcn ay sonunu getirmeye \u00e7al\u0131\u015fan vatanda\u015flar\u0131m\u0131zd\u0131r.&#8221;<\/p>\n<p class=\"v1x_MsoNormal\"><b>MAA\u015e CEBE G\u0130RMEDEN BANKAYA G\u0130D\u0130YOR<\/b><\/p>\n<p class=\"v1x_MsoNormal\">910 milyar liray\u0131 a\u015fan eksi hesap kullan\u0131m\u0131n\u0131n, gelir yetersizli\u011finin en a\u00e7\u0131k g\u00f6stergesi oldu\u011funu belirten K\u0131\u015f, \u015funlar\u0131 s\u00f6yledi:<\/p>\n<p class=\"v1x_MsoNormal\">&#8220;Maa\u015f yat\u0131yor, vatanda\u015f \u00f6nce bankaya borcunu \u00f6d\u00fcyor. Sonra kredi kart\u0131n\u0131 kapat\u0131yor. Ay bitmeden yeniden karta y\u00fckleniyor, yeniden eksi hesaba giriyor. Bu bir ekonomik d\u00f6ng\u00fc de\u011fil; bor\u00e7 sarmal\u0131d\u0131r.&#8221;<\/p>\n<p class=\"v1x_MsoNormal\"><b>&#8220;EKONOM\u0130 B\u00dcY\u00dcM\u00dcYOR, BOR\u00c7 B\u00dcY\u00dcYOR&#8221;<\/b><\/p>\n<p class=\"v1x_MsoNormal\">K\u0131\u015f, iktidar\u0131n ekonomik ba\u015far\u0131 s\u00f6ylemlerinin sahadaki ger\u00e7ekle \u00f6rt\u00fc\u015fmedi\u011fini belirterek \u015fu de\u011ferlendirmeyi yapt\u0131:<\/p>\n<p class=\"v1x_MsoNormal\">&#8220;Bug\u00fcn T\u00fcrkiye&#8217;de b\u00fcy\u00fcyen \u00fcretim de\u011fil, bor\u00e7tur. Artan refah de\u011fil, kredi kart\u0131 ekstresidir. G\u00fc\u00e7lenen aile b\u00fct\u00e7esi de\u011fil, bankalar\u0131n alacak hanesidir. Vatanda\u015f art\u0131k gelece\u011fini planlam\u0131yor; bir sonraki kredi kart\u0131 son \u00f6deme tarihini hesapl\u0131yor. Bu tablo s\u00fcrd\u00fcr\u00fclebilir de\u011fildir. \u0130nsanlar\u0131n bankalar\u0131n paras\u0131na de\u011fil, kendi eme\u011finin kar\u015f\u0131l\u0131\u011f\u0131na g\u00fcvenerek ya\u015fayabildi\u011fi bir T\u00fcrkiye&#8217;yi kurmak zorunday\u0131z.<span style=\"color: #000000; font-family: Calibri Light, sans-serif;\">&#8220;<\/span><\/p>\n<p class=\"v1x_MsoNormal\">\n<\/div>\n<\/div>\n<div>\n<div class=\"v1x_WordSection1\">\n<p class=\"v1x_MsoNormal\">\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kredi kart\u0131 3,3 trilyon liraya ula\u015ft\u0131&#8230; \u0130htiya\u00e7 kredisi 2,5 trilyonu a\u015ft\u0131&#8230; Eksi hesap 910 milyar liraya dayand\u0131&#8230; Vatanda\u015f\u0131n bankalara olan ge\u00e7im borcu 6 trilyon 677 milyar liraya \u00e7\u0131kt\u0131. CHP Mersin Milletvekili G\u00fclcan K\u0131\u015f, Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) ile T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) verilerini de\u011ferlendirdi. K\u0131\u015f, T\u00fcrkiye&#8217;de vatanda\u015f\u0131n art\u0131k gelirini de\u011fil, borcunu y\u00f6netmeye [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":139795,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-139794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"views":182,"_links":{"self":[{"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/posts\/139794","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/comments?post=139794"}],"version-history":[{"count":1,"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/posts\/139794\/revisions"}],"predecessor-version":[{"id":139796,"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/posts\/139794\/revisions\/139796"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/media\/139795"}],"wp:attachment":[{"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/media?parent=139794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/categories?post=139794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mersingazetesi.com\/index.php\/wp-json\/wp\/v2\/tags?post=139794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}