Did Türkiye change credit-card limits? The January 2027 deadline is not new

Searches for Türkiye's banking regulator and credit-card limits topped 10,000 as reports highlighted social-security and Risk Center checks. The operative timetable, however, comes from BRSA Decision 11367 dated January 29, 2026—not a new September rule. The high-limit reduction deadline was February 15; full documented-income alignment is due by January 1, 2027.

FinRateX ResearchPublished: September 10, 2026 · 8:09 AM TRTUpdated: September 10, 2026 · 8:09 AM TRTTürkçe oku

Text-free editorial scene with an unbranded payment card, verification nodes and a limit gauge — A statutory limit ceiling is not the same as the final credit line a bank grants. Illustrative image: FinRateX.

Decision date29 Oca 2026BRSA 11367

Reduction deadline15 Şub 2026limits above TRY 400,000

Full-alignment deadline1 Oca 2027documented-income alignment

Search interest10 bin++1,000%

Three rates that stand out

No new September decision: The operative card-limit entry on the BRSA decision list is Decision 11367 dated January 29, 2026.
Do not mix the deadlines: Reductions tied to available credit above TRY 400,000 were due by February 15, 2026; full documented-income alignment is due by January 1, 2027.
A ceiling is not an entitlement: Combined limits cannot exceed two times average monthly net income in year one and four times thereafter; a bank may grant less after risk assessment.

Credit-card limits: rule, date and example matrix

Examples show the statutory ceiling for a person with TRY 50,000 in average monthly net income; they do not promise that a bank will grant the full amount.

Situation	Official rule	TRY 50,000 income example	Date / status
First credit-card year	Combined limit capped at 2× average monthly net income	Maximum TRY 100,000	Law No. 5464 · in force
Second and later years	Combined limit capped at 4× average monthly net income	Maximum TRY 200,000	Law No. 5464 · in force
New card / limit increase	Monthly or annual average income only, supported by acceptable documents	A bank may grant less	Decision 11367 · January 29, 2026
Combined limit TRY 400,000–750,000	Reduction equal to 50% of the lowest available limit	Transition rule independent of this income example	Deadline February 15, 2026
Combined limit above TRY 750,000	Reduction equal to 80% of the lowest available limit	Transition rule independent of this income example	Deadline February 15, 2026
All cardholders	Align maximum limits with documented income	2× in year one; 4× thereafter	Deadline January 1, 2027

The percentage reduction applies to the lowest available limit defined by the decision, not to the entire card limit. Banks may also consider disqualification status, economic and social circumstances and scoring results when setting the final limit.

SHORT ANSWER · Card limits did not change again on September 9

The search spike around the BRSA and credit-card limits was not accompanied by a new September board decision. The relevant entry on the regulator's official list is Decision 11367 dated January 29, 2026. Headlines calling this a 'new era' are resurfacing that decision's implementation path through January 1, 2027.

FACT · What did Decision 11367 change?

For a new card or a limit increase, the maximum combined limit must be based only on average monthly or annual income, verified through documents the issuer considers suitable proof. Below that ceiling, a bank may also assess disqualification status, economic and social circumstances and model or scoring results before setting the final line.

DATA · How did the TRY 400,000 and TRY 750,000 thresholds work?

For combined limits above TRY 400,000 and up to TRY 750,000, the January decision required a reduction equal to 50% of the lowest available limit observed between January 2025 and the final statement date before the decision. Above TRY 750,000, the ratio was 80%. The deadline was February 15, 2026. Saying the entire limit was cut by 50% or 80% is therefore inaccurate: the ratio applied to the available-credit amount defined in the decision.

FACT · What happens by January 1, 2027?

Issuers must complete work to align every cardholder's combined limits with maximum limits derived from documented monthly or annual average income by January 1, 2027. This is not one application day or a promise that every limit will fall at the same hour; it is the final compliance deadline given to issuers.

DATA · How do the two-times and four-times caps work?

Under Law No. 5464 and the BRSA's current guidance, a natural person's combined limits across all banks cannot exceed two times average monthly net income in the first year and four times that income in the second and later years. At TRY 50,000 of average monthly net income, the statutory ceilings are TRY 100,000 and TRY 200,000. They are not guaranteed credit lines; a bank may grant less.

RISK CENTER AND SOCIAL SECURITY · Are they the same rule?

Decision 11367 requires banks to report the income amount used in a limit allocation to the Banks Association of Türkiye Risk Center on the allocation day and instructs the Risk Center to build the necessary process. The text does not set a date or method for automatic use of social-security data. Current headlines about that integration should therefore not be read as a separate September rule already in force unless additional official legislation is published.

WHAT DOES THIS MEAN FOR MY MONEY?

Look at your combined limit across banks, not only one card. Check the bank's current limit notice, the income amount it verified and the difference between total and available credit. A limit reduction does not erase debt or create new spending capacity. For an individual dispute, rely on the bank's written explanation and the BRSA's complaint channels. This is general information, not personal credit or legal advice.

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