Garanti BBVA Refused Loan And Credit Limit Increase Despite High Income

While I respect your bank’s credit allocation policies and risk assessment procedures, I firmly believe that my current financial situation meets the required credit criteria. I have a stable source of income and work as an assistant manager, with a monthly net income of ₺250,000. Additionally, I hold active accounts with your bank and have a consistent record of timely payments. In accordance with Article 5411 of the Banking Law and Article 6502 of the Consumer Protection Law, I have the right to request a reasoned explanation for decisions made regarding credit applications and to have my request reconsidered. Therefore, I kindly request that the reason for the rejection of my loan application be provided to me in writing and that my application be re-evaluated based on my current financial information, with a favorable outcome. I also wish to obtain a loan from your bank and request an increase in my existing credit card limit.