CURRENT RATES
Overdraft and credit card interest
An overdraft or a card balance is the most expensive debt in the app and the only one that runs continuously. Its cost accrues by the day, which is why the gap between "a few days" and "a few weeks" is larger than people expect.
The rate comes from the CBRT
The monthly rate arrives prefilled with the maximum in force. If your bank applies a lower one you change it; higher is not possible anyway.
The day count is the calculation
Interest runs on how long the used balance stayed outstanding. Bankacı takes the balance and the days, adds BSMV and KKDF, and gives the total due at the end of the period.
Frequently asked
Why is there more than one card rate?
The maximum card rate can differ by the tier the balance falls into. Bankacı uses the tier that matches the amount entered.
Is the minimum payment calculated?
Bankacı works out the interest cost of the period's balance. The minimum payment ratio is the bank's own policy and varies by card.
See also: Glossary
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