An annual membership fee of ₺776 was charged to my Garanti BBVA credit card ending with 6016 on 31.01.2025. I request the cancellation and refund of this fee in accordance with the legal provisions listed below, without any additional conditions. (The fee was charged without prior notice as of 01.02.2025, and I canceled my card through mobile banking on 01.02.2025.) According to the "Consumer Protection Law, Article 31, Paragraph 3, dated May 28, 2014," card issuers are required to offer consumers a type of credit card that does not involve fees under names like annual membership fees. Additionally, under Article 6 of the "Law on Consumer Protection (Law No. 4077), as amended by Law No. 4822," the membership fee charged by your bank constitutes an unfair term as it is pre-drafted and included in standard contracts without negotiation. Furthermore, the 13th Civil Law Department's decision (case number 2011/4736, ruling 2011/11579) and the General Assembly of the Supreme Court (HGK) decision (case 2010/1-93-88) confirm that retroactive refunds for card membership fees are legally enforceable. Therefore, I request the refund of the ₺776 annual membership fee charged to my account. If the membership fee is not canceled and refunded, I will pursue all available legal remedies, including filing a complaint with the Consumer Rights Board.
On October 3, 2024, an annual membership fee of ₺678.50 was charged to my credit card ending in 3011. I am requesting the cancellation and refund of this fee by the relevant legal provisions, without any additional conditions. Under Article 31, Paragraph 3 of the Consumer Law dated May 28, 2014, car...
As a Garanti BBVA customer, I do not actively use my credit card. While I have never had any issues with the statement payments of my other credit cards, a ₺1,360 annual card fee was charged to the statement of my Garanti Bonus Business credit card ending in 1011, dated 19/02/2025. I request the ca...
I request the cancellation and refund of the ₺841.50 annual credit card membership fee charged to my Garanti BBVA credit card on May 17, 2025. According to Article 31, Paragraph 3 of the Turkish Consumer Protection Law No. 6502, dated May 28, 2014, card issuers are required to offer a credit card op...
On April 12, 2024, an annual card fee of ₺678.50 was charged to my Garanti Bonus Money credit card, ending in 3036. I demand the cancellation of the annual card fee in accordance with the provisions of the law and without any additional conditions. According to Article 31, Paragraph 3 of the Consume...
On 26.07.2024, an annual card fee of 678.50 TL was reflected on my Bonus Gold credit card ending in 0021 belonging to Garanti BBVA. I request that the membership fee be canceled in accordance with the legal provisions specified below and without any additional conditions. 'According to the 3rd parag...
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