I Was Charged an Annual Fee on My Low Limit Credit Card by Garanti BBVA

I was taken aback to find an annual fee of ₺859 applied to my credit card, which has a limit of only ₺1100. When I applied for the card, I was explicitly informed that there would be no such fee. This surprise charge made me feel deceived. I reached out to customer service to ask for a refund, but before I could finish explaining my situation, they swiftly offered me ₺250 in bonus points. After I declined the offer, they informed me that they were unable to initiate a refund request. It seemed as though their priority was to hush the complaint rather than truly address the problem. The initial promises made to me have been completely contradicted by the reality I've experienced, which has significantly undermined my confidence.