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 option that does not charge an annual membership fee or similar charges. Furthermore, based on Article 6 of Law No. 4077 on the Protection of Consumers, as amended by Law No. 4822, such membership fees—being unilaterally determined and part of a standard contract—are deemed unfair terms, as they are not subject to negotiation and are not in exchange for any service. Additionally, a ruling by the 13th Civil Chamber (2011/4736 E, 2011/11579 K) and the General Assembly of Civil Chambers (2010/1-93-88) confirm that retroactively charged annual fees must also be refunded under Article 125 of the Turkish Code of Obligations. Based on these legal grounds, I kindly request the immediate cancellation and refund of the membership fee, as well as a written confirmation sent to my email address. Otherwise, I will file a complaint with the Consumer Arbitration Committee and, if necessary, request the cancellation of my credit card and accounts with your bank.
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...
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 March 19, 2024, an annual card fee of ₺583.00 was charged to my Garanti Bonus Trink credit card ending in 5549********4316. I request 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...
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...
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...
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