New data integration infrastructure being established for credit card limits

Within the framework of the Medium-Term Program, a new data integration infrastructure combining data from the Social Security Institution (SSI) and the Banks Association of Turkey Risk Center is being established to align credit card limits with citizens' actual incomes.

New Integration Infrastructure Being Established

Within the scope of the 2027-2029 Medium-Term Program, a new data integration infrastructure combining data from the SSI and the Banks Association of Turkey Risk Center is being established to align credit card limits with actual incomes.

Banks Will Be Able to See Actual Income

Thanks to the planned regulation, banks will be able to see their customers' actual repayment capacity much more transparently when allocating card limits, aiming to minimize the risk of over-indebtedness.

Current Limit Rules and BRSA Regulations

According to current legal regulations, a consumer's total credit card limit can be a maximum of 4 times their average monthly net income, and the BRSA made income documentation mandatory in January 2026.

Timeframe Granted to Banks and User Profile

With the BRSA decision, banks have been granted until January 1, 2027, to harmonize existing customers' limits with their actual incomes, while it is stated that 75 percent of users have limits below 400,000 TL.