My TEB credit card ending in 2879 was charged a ₺460 annual fee. I have been a loyal customer for a long time and always make my payments on time. I am requesting a refund of this fee. According to legal provisions, these charges should be canceled and refunded to me. Consumer courts and Supreme Court decisions have established that credit card fees are unfair and should not be collected from consumers.
Furthermore, the decision by the 13th Civil Chamber of the Supreme Court (2011/4736 and 2011/11579) confirms that consumers can request a refund of these annual fees retroactively for up to ten years under Article 125 of the Code of Obligations and the General Assembly of Civil Chambers’ decision (2010/1-93-88).
Even though the credit card membership agreement with Türk Ekonomi Bankası A.Ş. states in Article 10 that a card fee will be charged, according to Article 6 of the Consumer Protection Law (Law No. 4077, amended by Law No. 4822), this agreement is a pre-prepared standard contract, and its terms were not negotiated with me. Therefore, Article 10 of the contract is an unfair term imposed unilaterally by Türk Ekonomi Bankası A.Ş. Additionally, the final clause of the same agreement allows the bank to unilaterally increase fees and interest rates, which is against Article 6 of Law No. 4077 and the Bank Cards and Credit Cards Law (Law No. 5464).
For these reasons, I believe the membership fee charged in my account statement is unjust, and I request a refund.
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