Will credit card limits be reduced? Last minute statement from BRSA

Millions of credit card holders wonder: "Will my credit card limit be reduced?" The question came up again. It has been claimed on social media and in some media outlets that banks will redetermine credit card limits according to people's actual income, current debts and credit scores.

It was also claimed that an integrated system with SGK would be established, and people's real salaries would be determined together with the debt data in the Banks Association of Türkiye Risk Center, and credit card limits would be rearranged accordingly.

However, industry sources state that there is no new regulation regarding these allegations that have come to the fore recently.

WILL CREDIT CARD LIMITS BE DETERMINED AGAIN?

It has been claimed that a re-evaluation will be made not only for new credit card applications, but also for existing and high-limit cards.

Accordingly, it was claimed that people's borrowing limits could be redetermined according to their income and high-limit cards could be reduced.

Industry sources pointed out that similar allegations come to the fore at regular intervals and stated that currently there is no new decision taken in this direction.

STATEMENT FROM BRSA

Banking Regulation and Supervision Agency (BDDK) stated that studies on credit card limits are continuing together with banks and relevant public institutions, but no new decision has been taken.

The institution used the following statements in its statement:

Within the framework of regulations regarding credit card limits; Technical and administrative studies carried out in cooperation with banks and relevant public institutions continue. As of the current situation, there is no new decision regarding these regulations.

A DECISION WAS MADE FOR CREDIT CARD LIMITS IN JANUARY

BRSA published an official decision on determining credit card limits on January 29, 2026.

According to the decision, income will be taken as a basis when determining the total credit card limit of individuals when issuing a new credit card or increasing the existing card limit. Income also needs to be verified with documents accepted by banks.

BRSA also announced that it aims to harmonize indebtedness with income and reduce the risks that may arise from high unused credit card limits.

AN OFFICIAL PROCESS IS REQUIRED FOR A NEW REGULATION

In order for a new and comprehensive change regarding credit card limits to be implemented, an official decision must be taken by the BRSA and notified to banks.

For this reason, claims regarding the direct use of SSI data or the redetermination of all existing credit card limits according to the actual salary do not constitute a new decision that has come into force at the current stage.

While there is no new collective limit reduction decision in the current table for credit card holders, it is stated that BRSA's technical studies are continuing to harmonize credit card limits with income and payment ability.