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\u0130nternetten yap\u0131lan al\u0131\u015fveri\u015flerin artmas\u0131 ve art\u0131k her sekt\u00f6rde taksit imkan\u0131 sa\u011flanmas\u0131 kredi kart\u0131 kullan\u0131m\u0131n\u0131 olduk\u00e7a yayg\u0131nla\u015ft\u0131rm\u0131\u015ft\u0131r. Bilin\u00e7li bir \u015fekilde kredi kart\u0131 kullan\u0131m\u0131 hem taksit avantajlar\u0131ndan hemde d\u00f6nemsel kampanyalardan faydalanmay\u0131 sa\u011flamaktad\u0131r. \u00d6rne\u011fin; \u00e7o\u011fu kredi kart\u0131 kampanyalar\u0131nda yer alan akaryak\u0131t sekt\u00f6r\u00fcnde oldu\u011fu gibi. Zaten mecburi bir gider olan akaryak\u0131t al\u0131mlar\u0131na en az\u0131ndan %20 gibi indirimler sa\u011flayan kredi kartlar\u0131 mevcut. G\u0131da sekt\u00f6r\u00fcnde de yine ayn\u0131 ko\u015fullar ge\u00e7erli. B\u00f6ylelikle al\u0131\u015fveri\u015flerinizde indirimler elde edersiniz. Fakat, bilin\u00e7sizce yap\u0131lan harcamalar elbette sonucu b\u00fcy\u00fck s\u0131k\u0131nt\u0131lara yol a\u00e7an sonu\u00e7lara vesile olur.<\/p>\n

Yukar\u0131da da bahsedildi\u011fi gibi \u00e7e\u015fitli kampanyalar yapan bankalar m\u00fc\u015fterilerin istekleri do\u011frultusunda an\u0131nda kredi kart\u0131 g\u00f6nderirler. Bir \u00e7ok kredi kart\u0131 sahibi olan t\u00fcketici ise \u00f6demelerini ve harcamalar\u0131n\u0131 takipte zorlanabilir. Yap\u0131lan ara\u015ft\u0131rmalara g\u00f6re, kredi kart\u0131 hesap kesim tarihinden sonra yap\u0131lan yani geciken \u00f6demelere en b\u00fcy\u00fck sebep, unutkanl\u0131k. T\u00fcketiciler maalesef otomatik \u00f6deme de olmayan kredi kart\u0131 bor\u00e7lar\u0131n\u0131 takipte zorlanmakta. Baz\u0131 kredi kart\u0131 kullan\u0131c\u0131lar\u0131 bir m\u00fcddet sonra bu ve benzeri nedenlerle kredi kartlar\u0131n\u0131 iptal ettirmek istemekte. Peki kredi kart\u0131 nas\u0131l iptal edilir<\/strong> ?<\/p>\n

\u00d6ncelikle, bankalar hi\u00e7bir zaman \u00f6zellikle sad\u0131k m\u00fc\u015fterilerini kaybetmek istemezler. Kredi kart\u0131 iptali i\u00e7in ba\u015fvuruda bulunan t\u00fcketiciyi zorlu bir s\u00fcre\u00e7 bekleyebilir. Bu asl\u0131nda daha \u00e7ok psikolojik bir s\u00fcre\u00e7tir. Banka, iptalden vazge\u00e7irmek i\u00e7in kullan\u0131c\u0131lara bir tak\u0131m avantajlar sa\u011flayaca\u011f\u0131n\u0131 bildirir, \u00f6rne\u011fin aidat iadesi, ekstra puan gibi. Bu durumda yapman\u0131z gereken kredi kart\u0131 nas\u0131l iptal edilir<\/strong> sorusundan \u00f6nce bilin\u00e7li ve kararl\u0131 olmak en ideal olan\u0131.<\/p>\n

\u00d6ncelikle kredi kart\u0131 iptali i\u00e7in kart\u0131n\u0131z\u0131n ait oldu bankan\u0131n m\u00fc\u015fteri telefon hatt\u0131ndan kredi kart\u0131 men\u00fcs\u00fcne ve kart iptal departman\u0131na ula\u015fman\u0131z. Burada yapaca\u011f\u0131n\u0131z i\u015flemler kay\u0131t alt\u0131na al\u0131n\u0131r. Kararl\u0131 bir \u015fekilde kart\u0131n\u0131z\u0131n iptalini istedi\u011finizi belirtmelisiniz. Kart aidat\u0131 vs. gibi sorunlar \u00e7\u0131kartan m\u00fc\u015fteri temsilcisine yasalar gere\u011fi b\u00f6yle bir \u015feyin olmad\u0131\u011f\u0131n\u0131 ve kart\u0131n\u0131z\u0131n iptalini istedi\u011finizi ve hi\u00e7bir \u015fekilde kampanya istemedi\u011finizi vurgulamal\u0131s\u0131n\u0131z.<\/p>\n

Ayr\u0131ca kredi kart\u0131 nas\u0131l iptal<\/strong> edilir<\/strong> sorusunda en \u00f6nemli madde, iptal etmek istedi\u011finiz kart\u0131n mevcut ve gelecek d\u00f6nemki t\u00fcm bor\u00e7lar\u0131n\u0131n kapat\u0131lm\u0131\u015f olmas\u0131 yani hi\u00e7bir borcunun olmamas\u0131 gerekir. Kredi kart\u0131n\u0131za ait gelecek d\u00f6nem bor\u00e7 bakiyesi fazla ise bor\u00e7 transferi yapabilirsiniz. Ama kart iptalinden \u00f6nce bor\u00e7 bakiyenizin olmamas\u0131na dikkat ediniz.<\/p>\n

Kredi kart\u0131n\u0131z\u0131n iptali i\u00e7in bankan\u0131n \u00e7a\u011fr\u0131 merkezini arayabilece\u011finiz gibi, bankan\u0131n belirtmi\u015f oldu\u011fu fax numaras\u0131na kimlik fotokopiniz ve bir iptal talepli dilek\u00e7enizi g\u00f6nderebilir veya bankan\u0131n kart iptalleri i\u00e7in olu\u015fturdu\u011fu mail adresine dilek\u00e7enizi g\u00f6nderebilirsiniz. Ba\u015fvurular\u0131n\u0131z de\u011ferlendirilir ve olumlu g\u00f6r\u00fclmesi halinde 5 i\u015f g\u00fcn\u00fc i\u00e7erisinde i\u015flem tamamlanarak kart\u0131n\u0131z iptal olur.<\/p>\n