What is the product and service fees of credit cards?
Our product and service fees are available here.
Is it legal for banks to charge annual card fees?
With our bonus cards, you can earn up to 350 EUR, 300 EUR from 5 big campaigns and 50 EUR from non-campaign expenses in 500,000 Bonus partners. In addition to physical purchases, you can shop safely at more than 10 thousand points online. You can benefit from free installment up to 12 months in all your purchases. When you need cash, you can withdraw cash advances from more than 4,700 ATMs.
Annual card fee is charged due to the existence of some operational costs, in addition to the compulsory costs incurred in the provision of these products and services and ensuring the quality of the service provided. When used regularly, bonus card earns far more than the annual card fee.
It has been stated that the annual card fee can be charged by the issuing institutions for card issuance by article 6 of the Regulation on Regulation on Procedures and Principles of Wages to be Obtained from Financial Consumers (Regulation) and Regulation Annex - 1. Credit cards that do not carry transactions until 180 days before the charge date will not be charged by law. Information is provided a month in advance via bank statements.
Is there a card without a fee?
Bonus Flexi card does not have an annual card fee. You can find details of Bonus Flexi card here.
Why is my credit card still not delivered?
We will send your card to your registered contact address within 10 days after being given to the courier. If there is a change in your contact address, you can update your address or give delivery request to your new address or to our branches from Lik Birlesik Bankasi Internet > My Profile > My Address Information, Lik Birlesik Bankasi Customer Communication Center with Lik Birlesik Bankasi Customer Communication Center password and credit card PIN or our branches.
Why was my card delivered to someone else?
If you have a contract in the bank, we will deliver your card to you or to a relative in your address (mother, father, children over 18), unless a special requirement is specified by the bank. If the delivery address is a workplace, it may be delivered to the work secretary or to an authorized person.
Can I turn off the Trink feature of my credit card?
The Trink feature cannot be turned off.
Where can I get/change my credit card PIN?
You can get your PIN from Lik Birlesik Bankasi Mobile > Account/Card > Cards > Card Selection > Card Settings > Card PIN Transactions, Lik Birlesik Bankasi Internet > Card > Card PIN Transactions, Lik Birlesik Bankasi Customer Communication Center or by typing SIFRE, the last 6 digits of the card, the first 2 letters of the mother’s maiden name, the first 2 digits of the security code on the back of your card with interspacing and sending it to 3340. To receive a password from Lik Birlesik Bankasi Customer Communication Center, 7 days must be passed after your mobile phone number was registered to our bank.
You can change your PIN from Lik Birlesik Bankasi Mobile > Account/Card > Cards > Card Selection > Card Settings > Card PIN Transactions, Lik Birlesik Bankasi Internet > Card > Card PIN Transactions, Lik Birlesik Bankasi Customer Communication Center or our branches.
My PIN is blocked, what should I do?
If you enter the wrong PIN 3 times in a row, it will be blocked. In this case, after getting a new PIN, you can open your card for provision by calling Lik Birlesik Bankasi Customer Communication Center. If you were not the one who did the wrong entry, you can call Lik Birlesik Bankasi Customer Communication Center to close and renew your card.
What should I do if my card’s chip is malfunctioning?
In some cases, there may be a problem with the POS device. In order to make sure of the malfunctioning, you may try to use your card with different POS devices. If that is the case, you can renew your card by calling Lik Birlesik Bankasi Customer Communication Center.
Where can I display/increase my limit and find out the result of my limit increase request?
You can display your card’s limit from Lik Birlesik Bankasi Internet, Lik Birlesik Bankasi Mobile our ATM’s.
You can increase your limit from Lik Birlesik Bankasi Mobile > Account/Card > Cards > Card Selection > Cash and Payment Solutions > Limit Increase, Lik Birlesik Bankasi Internet > Card > Credit Card > Card Selection > Limit Increase or our ATM’s. The sum of the limits of all credit cards you have cannot exceed 2 times your monthly average net income, for the second and subsequent years it cannot exceed 4 times. Your limit may not increase if your limits are high in other banks. In this case, you can close your other bank credit cards or lower your limit. If you have any other income or changes in your current income, you can request a limit increase by documenting your additional income to our branches. (For example, land title, leasing, vehicle license, another bank account etc.)
You can find out your application result result from Lik Birlesik Bankasi Mobile > Transactions > Applications > Application Tracking > Credit Card Limit Request, Lik Birlesik Bankasi Internet > Application > Application Tracking > Credit Card Limit Request or Lik Birlesik Bankasi Customer Communication Center with your Lik Birlesik Bankasi Customer Communication Center password and credit card PIN.
What should I do if my card is stolen or lost?
For security purposes if your card is stolen or lost you can temporarily close your card to shopping and cash withdrawals for 24 hours or close it immediately from Lik Birlesik Bankasi Mobile > Account/Card > Cards > Card Selection > Emergency > Report Lost / Stolen. You can immediately close and renew your card from Lik Birlesik Bankasi Customer Communication Center Lost / Stolen step with your Lik Birlesik Bankasi Customer Communication Center password and credit card PIN.
If you close your card temporarily, you can re-open your card by following the same steps within 24 hours. Your card will be automatically renewed and sent to your registered contact address if you do not re-open it or choose to close and renew immediately.
Since your card will be closed and renewed, the payment orders you give to other institutions on your bank’s behalf will be canceled. Your instructions in our bank will be updated automatically.
How can I issue an standing money transfer / automatic bill payment order / cancel my order?
You can issue an standing money transfer order from Lik Birlesik Bankasi Mobile > Transactions > Money Transfers > Standing Money Transfers, Lik Birlesik Bankasi Internet > Money Transfer > Other Money Transfers > Standing Payment Order, Lik Birlesik Bankasi Customer Communication Center with Lik Birlesik Bankasi Customer Communication Center password and credit card PIN, our branches or our ATM’s. You can issue an automatic bill payment order from Lik Birlesik Bankasi Mobile > Transactions > Payments > Bill > Predefined Bill Transactions, Lik Birlesik Bankasi Internet > Payment > Bill > Predefined Bill Transactions, Lik Birlesik Bankasi Customer Communication Center with Lik Birlesik Bankasi Customer Communication Center password and credit card PIN, our branches or our ATM’s. You can cancel them from Lik Birlesik Bankasi Mobile, Lik Birlesik Bankasi Internet or Lik Birlesik Bankasi Customer Communication Center. Our product and service fees are available here.
Why was my bill not paid even though I had an automatic bill payment order?
Your card may be closed, blocked, closed for mail order, temporarily closed / closed for provision or your card limit is full. There may be technical problems in company’s system that you want to pay the bill.
Where can I close / open my card to mail order?
You can close or open your card to mail order from Lik Birlesik Bankasi Mobile > Account/Card > Cards > Card Selection, Lik Birlesik Bankasi Internet > Card > Credit Card > Card Selection > Card Information > Security Information or Lik Birlesik Bankasi Customer Communication Center with your Lik Birlesik Bankasi Customer Communication Center password and credit card PIN.
Where can I close / open my card to online shopping?
You can close or open your card to online shopping from Lik Birlesik Bankasi Mobile > Account/Card > Cards > Card Selection, Lik Birlesik Bankasi Internet > Card > Credit Card > Card Selection > Card Information > Security Information or Lik Birlesik Bankasi Customer Communication Center with your Lik Birlesik Bankasi Customer Communication Center password and credit card PIN.
Why the account cutoff date cannot be fixed to a specific day?
The account cutoff date cannot be fixed to a specific day, it is determined by your payment week.
Where can I change my payment week?
You can change your payment week from Lik Birlesik Bankasi Mobile, Lik Birlesik Bankasi Internet or our branches.
Why the payment week cannot be changed?
You can change your payment week once per month and up to 2 times per calendar year.
How can I object to an expense that does not belong to me? How many days do I have for the objection?
If you see a transaction that was not made by you, you can request for a chargeback by filling out our Dispute Form or through Lik Birlesik Bankasi Internet. You will be notified by SMS, mail or email within 60-180 days. You can find details of chargeback process here.
Why does the same transaction appear in both in-period transactions and on provision?
In some cases, you can see your transaction both in on provision and in-period transactions because of the difference in information between the registration record sent by the company to our bank and the end of day record. In this case, the transaction waits on provision for up to 7 days for physical cards and up to 15 days for virtual cards. If you wish, you can call Lik Birlesik Bankasi Customer Communication Center to get information about the transaction on provision.
Although I paid all my restructured debt why cannot I open my cards limit?
30 days after the last installment of the restructured debt is paid, your card application is automatically re-evaluated according to the bank’s credit policies and opened to use if appropriate.
Why did not I receive my bank statement?
If you did not receive your bank statement, you can check your contact information which is registered in our bank. (your physical address if you receive a printed statement, your e-mail address if you receive an e-statement)
If you want, you can set an e-mail statement and receive it by e-mail, so that you do not have to wait for the courier. You can set or cancel an e-mail statement from Lik Birlesik Bankasi Mobile > Account/Card > Cards > Card selection > Card Settings > Instant Statement Preferences, Lik Birlesik Bankasi Internet > Card > Credit Card > Card Selection > Card Information > E-statement Setting, Lik Birlesik Bankasi Customer Communication Center with your Lik Birlesik Bankasi Customer Communication Center password and credit card PIN or our branches.
How do I get my old credit card statements?
You can get your bank statements for the last year from Lik Birlesik Bankasi Customer Communication Center with your Lik Birlesik Bankasi Customer Communication Center password and credit card PIN. You can get your bank statements for the last 2 years from Lik Birlesik Bankasi Mobile and request them to be sent to your registered e-mail address. You can contact our branches for your requests of 2 years or more.
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