Common use of CAYMA HAKKI Clause in Contracts

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil the last payment date stated in the account statement to his/her account. As per the Regulation on Bank Cards and Credit Cards, the minimum payment amount will not be less than 30% of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TL, and it will not be less than 40% of the debts of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start of the credit card use. The Bank preserves its right to define minimum payment amount provided that it is not less than the aforementioned amounts. The minimum payment amount can be increased through notification of the Bank in the account statement. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. No MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil the last payment date stated in the account statement to edilen her türlü ücret, müşterinin anapara ile tahakkuk eden faizi bankaya geri ödediği tarihten itibaren 7 (yedi) his/her account. As per the Regulation on Bank Cards and Credit Cards, the minimum payment amount will not be less than 30% of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TL, and it will not be less than 40% of the debts of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start of the credit card use. The Bank preserves its right to define minimum payment amount provided that it is not less than the aforementioned amounts. The minimum payment amount can be increased through notification of the Bank in the account statement. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. NoNo charges can be requested from the customer other than the calculated contractual interest and fees paid to any MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil the last payment date stated in the account statement to his/edilen her accounttürlü ücret, müşterinin anapara ile tahakkuk eden faizi bankaya geri ödediği tarihten itibaren 7 (yedi) gün içinde müşteriye iade edilir. As per the Regulation on Bank Cards and Credit Cards, the minimum payment amount will not be less than 30% of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TL, and it will not be less than 40% of the debts of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start of the credit card use. The Bank preserves its right to define minimum payment amount provided that it is not less than the aforementioned amounts. The minimum payment amount can be increased through notification of the Bank in the account statement. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. NoNo charges can be requested from the customer other than the calculated contractual interest and fees paid to any public institution or third parties. Any kind of fee which is not among these charges and collected from the customer shall be refunded to the customer within seven (7) days as of the date the customer repays the principal together with MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil the last payment date stated in the edilen her türlü ücret, müşterinin anapara ile tahakkuk eden faizi bankaya geri ödediği tarihten itibaren 7 (yedi) gün içinde müşteriye iade edilir. account statement to his/her accountsummary. As per the Regulation on Bank the Debit Cards and Credit Cards, the minimum payment required amount will may not be less than 3020% of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TLterm debt and, and it will not be less than 40% of the debts term debt until one-year period expires from the starting date of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start use of the credit card usecards that are recently allocated . The Bank preserves has its right to define determine the minimum payment amount provided reserved on the condition that it is not less than the aforementioned mentioned amounts. The minimum payment amount can be increased through notification of the Bank as long as it is stated in the account statementsummary by the Bank. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. NoNo charges can be requested from the customer other than the calculated contractual interest and fees paid to any public institution or third parties. Any kind of fee which is not among these charges and collected from the customer shall be refunded to the customer within seven (7) days as of the date the customer repays the principal together with the accrued interest to the bank. MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil the last payment date stated in the account statement to his/edilen her accounttürlü ücret, müşterinin anapara ile tahakkuk eden faizi bankaya geri ödediği tarihten itibaren 7 (yedi) gün içinde müşteriye iade edilir. As per the Regulation on Bank Cards and Credit Cards, the minimum payment amount will not be less than 30% of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TL, and it will not be less than 40% of the debts of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start of the credit card use. The Bank preserves its right to define minimum payment amount provided that it is not less than the aforementioned amounts. The minimum payment amount can be increased through notification of the Bank in the account statement. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. NoNo charges can be requested from the customer other than the calculated contractual interest and fees paid to any public institution or third parties. Any kind of fee which is not among these charges and collected from the customer MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil the last payment date stated in the account statement to his/edilen her accounttürlü ücret, müşterinin anapara ile tahakkuk eden faizi bankaya geri ödediği tarihten itibaren 7 (yedi) gün içinde müşteriye iade edilir. As per the Regulation on Bank Cards and Credit Cards, the minimum payment amount will not be less than 30% of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TL, and it will not be less than 40% of the debts of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start of the credit card use. The Bank preserves its right to define minimum payment amount provided that it is not less than the aforementioned amounts. The minimum payment amount can be increased through notification of the Bank in the account statement. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. NoNo charges can be requested from the customer other than the calculated contractual interest and fees paid to any public institution or third parties. Any kind of fee which is not among these charges and collected from the customer shall be refunded to the customer within seven (7) days as of the date the customer repays the principal together with the accrued interest to the bank. MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil the last payment date stated in the account statement to his/edilen her accounttürlü ücret, müşterinin anapara ile tahakkuk eden faizi bankaya geri ödediği tarihten itibaren 7 (yedi) gün içinde müşteriye iade edilir. As per the Regulation on Bank Cards and Credit Cards, the minimum payment required amount will may not be less than 30% thirty percent of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TLterm debt and, and it will not be less than 40% of the debts term debt until one-year period expires from the starting date of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start use of the credit card usecards that are recently allocated . The Bank preserves has its right to define determine the minimum payment amount provided reserved on the condition that it is not less than the aforementioned mentioned amounts. The minimum payment amount can be increased through notification of the Bank as long as it is stated in the account statementsummary by the Bank. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. NoNo charges can be requested from the customer other than the calculated contractual interest and fees paid to any public institution or third parties. Any kind of fee which is not among these charges and collected from the customer shall be refunded to the customer within seven (7) days as of the date the customer repays the principal together with the accrued interest to the bank. MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.

CAYMA HAKKI. Müşteri 14 (on dört) gün içinde herhangi bir gerekçe göstermeksizin ve cezai şart ödemeksizin kredi kartı sözleşmesinden cayma hakkına sahiptir. Cayma hakkı süresi, sözleşmenin kurulduğu tarihte başlar. Ancak sözleşmenin bir örneğinin yazılı olarak veya kalıcı veri saklayıcısı ile müşteriye verildiği tarihin sözleşmenin kurulduğu tarihten daha sonra olması durumunda, bu süre, müşterinin sözleşmenin bir örneğini aldığı tarihten itibaren başlar. Cayma hakkının kullanıldığına dair bildirimin cayma hakkı süresi içinde yazılı olarak veya kalıcı veri saklayıcısı ile bankaya yöneltilmiş olması yeterlidir. Cayma hakkını kullanan müşterinin krediden faydalandığı hâllerde, müşteri, anaparayı ve kredinin kullanıldığı tarihten anaparanın geri ödendiği tarihe kadar olan sürede tahakkuk eden faizi en geç cayma bildirimini Bankaya göndermesinden sonra 30 (otuz) gün içinde geri öder. Bu süre içinde ödeme yapılmaması hâlinde Müşteri kredisinden cayılmamış sayılır. Faiz, akdi faiz oranına göre hesaplanır. Müşteriden, hesaplanan akdi faiz ve bir kamu kurum veya kuruluşuna veya üçüncü kişilere ödenmiş olan ücretler dışında herhangi bir bedel talep edilmez. Bu bedeller dışında kalan ve müşteriden tahsil amount stated in the account statement sent to him/her till the last payment date stated in the account statement to his/her account. As per the Regulation on Bank Cards and Credit Cards, the minimum payment amount will not be less than 30% of the debts of the period in credit cards with limit up to 15.000 TL; it will not be less than 35% of the debts of the period in credit cards with limit from 15.000 TL to 20.000 TL, and it will not be less than 40% of the debts of the period in credit cards with limit above 20.000 TL, and it will not be less than 40% of the debts of the period in newly allocated credit cards until one year is completed as of the start of the credit card use. The Bank preserves its right to define minimum payment amount provided that it is not less than the aforementioned amounts. The minimum payment amount can be increased through notification of the Bank in the account statement. 3.4. The credit cards whose minimum payment amounts are not paid three times in total in one calendar year shall be closed for withdrawal of cash, and the credit cards whose minimum payment amounts are not paid three times in a row shall be closed for withdrawal of cash and purchase of goods and services. The limits of these credit cards shall not be increased till the payment of the whole debt of the period and they shall be blocked for use or withdrawal of cash. ARTICLE 4. RIGHT OF WITHDRAWAL The Customer may withdraw from the credit card contract within 14 (fourteen) days without giving any justification and paying penalty. The withdrawal period starts as of the date on which the contract is executed. In the event that the date on which a copy of the contract is provided to the customer in written or through permanent data storage is later than the date on which the contract is executed, this period shall start as of the day the customer receives a copy of the contract. It is adequate if the notification stating that the right of withdrawal is exercised is conveyed to the bank in written or through permanent data storage within the right of withdrawal period. In cases whereby the customer, who exercises the right of withdrawal, benefits from the loan, the customer shall repay the principal and the interest that accrued during the period from the date when the loan was used to the date when the principal was repaid within 30 (thirty) days at the latest after sending the right of withdrawal notification to the bank. In the event such repayment is not made during that period of time, it shall be deemed that the customer did not withdraw from his or her loan. The interest shall be calculated according to the contractual interest rate. Nobe MADDE 5. SİGORTA YAPTIRILMASI Müşterinin yazılı veya kalıcı veri saklayıcısı ile acıka talebi olmaksızın kredi ile ilgili sigorta yaptırılamaz. Müşteri sigortayı yaptırmak istemesi halinde Banka dışında bir sağlayıcıdan da hizmet alabilir.