The credit card, which is not missing from the wallet of the business owners, remains an indispensable part of our lives. I would like to remind you that you do not have to remain silent in the face of your current debts as well as your bank’s annual card fee.
Extra payments, such as card fees, may disrupt your spirits, even with low amounts. Even when you are stuck in full payment, it may be difficult to get these fees. This is not a small and rectangular plastic credit card is not aware of the time you realize that you are not aware of the credit card, you? Click here for detailed description and description of the credit card.
When we look at the data in 2016, we see that the banks received an annual card fee of 3.2 billion $ in 1 year. When this is challenged, you may find that banks are legal and cannot be reclaimed. However, according to the decision of the 13th Chamber of the Court of Cassation; credit card annual fees can be taken backwards and the timeout has been determined as 10 years. As it is understood from the decision, you have the right to appeal against the credit card annual fee within 10 years.
At this point, let’s look at the legality of the annual credit card fee and whether it can be withdrawn.
Is the Credit Card Annual Fee Legal?
Today, whether the credit card annual fee is legal or not, has changed from institution to institution. Although some consumer associations say that the dues are not legal, they are taken out of the card holders by illegal means, banks maintain that the contracts are regulated in accordance with the law. In addition; Paying the card annual fee is seen as the membership fee you pay to take advantage of the card’s benefits. Unfortunately, those who want to get a credit card without signing the contract and then appeal to the membership of the bank is taking the right position.
Aside from whether the credit card’s annual fee is legal or not, the main issue that bothers us is: “Why is this charge taken from us? but if you want to take advantage of extra installment options or advantageous campaigns, your bank will charge you for the fee. Because the banks, credit card as a means of payment, but as a means of credit to the market. Even credit cards, which are offered with marketing campaigns to people with low purchasing power, take place at least three in each wallet. As such, the cost of each credit card with an annual card fee of approximately 30 $ is tripled. The payment of card fees up to 100 $ means a serious shake of the budget for a family who is trying to survive with minimum wage. In this case, the response to the annual card fee is also extremely large.
Can the Credit Card Annual Fee Be Revoked?
If you do not want to pay the annual card fee with the example above, you can call the customer service of your bank. In addition, you can appeal the fee from the branch by writing a petition for credit card appeal. The fact is that most of your banks will not accept your request for a refund at the first time.
However, when you tell us that you want to cancel your card when they don’t pay the annual fee, they may respond to your request in order not to lose their bank portfolios and not to send customers to the competing banks. Some banks may refund the annual card fee on the condition that you spend a certain monthly amount. At this point, you can find detailed information about how to spend your credit card.
Some banks may be able to pay your annual card fee with your accumulated points or bonuses. When you receive a negative response from customer service, I suggest you not to give up immediately. When you send a itiraz credit card appeal petition iniz to the Bank with a registered receipt, you can ask for a refund of the annual card fee from your bank. If you have account statements or receipts that you have paid the credit card annual fee, you can also add these documents to your petition and request a refund. If you do not have the annual card fee payment, you can request from your bank again with registered money.
If you receive a negative response during the request to request your dues, you can go to the district office of the district where the place of residence or credit card is located and apply to the Arbitration Committee for Consumer Problems to initiate the legal process. You can also apply via e-government via internet which makes access easier. If your dues are low, the Ground Jury will inform you of your decision within 90 days. If your fee is a high amount, you will have to file a lawsuit with the decision of the arbitral tribunal to the Consumer Court.