Turkey credit card limit calculator
Use this credit decision calculator to work out a credit card limit for one applicant or cardholder in Turkey. The result is the lowest of what card behaviour allows, what income carries after other debts and what Turkey’s rules allow, with the binding limit named.
Credit limit
The limit is ₺90,000, set by rules in Turkey (BDDK). Behaviour gives ₺120,000, income carries ₺360,000, and the market’s rules allow ₺90,000, which reflects an income cap in some markets and a repayment test in others.
High utilisation with enough statements paid in full earns the large increase.
Candidate limits
The lowest candidate is the limit, and a candidate with no cap has no bar.
Market rules for this person
| Rule | Cap for person | Applies |
|---|---|---|
| After the first year with a credit card, all card limits with every issuer together are capped at 4 times monthly income, less the ₺150,000 held with other issuers. | ₺90,000 | Yes |
These summaries cover each regulator’s rule for this tool and do not reproduce the full text. The issuer checks the current text. The lowest applicable cap is the market’s cap.
Behaviour decision table
| Months on book | Missed payments | Utilisation | Paid in full | Limit action |
|---|---|---|---|---|
| <6 | ANY | ANY | ANY | Hold limit |
| >=6 | >=2 | ANY | ANY | Cut by 50% |
| >=6 | 1 | ANY | ANY | Hold limit |
| >=6 | 0 | >=70% | >=50% | Raise by 50% |
| >=6 | 0 | >=70% | <50% | Hold limit |
| >=6 | 0 | >=30% | ANY | Raise by 25% |
| >=6 | 0 | <30% | ANY | Hold limit |
Rows paste as decision table cells, and the first matching row wins.
Get the result by email
Run these limit rules inside the credit decision for every application and cardholder, read limits held elsewhere from the bureau at that moment, and test threshold changes on past decisions before they go live. Start free
Show formulas
Behaviour limit, New applicant = Starting income multiple × Monthly net income Behaviour limit, Cardholder = Today’s limit × (1 + Large increase | Small increase) or × (1 − Cut after missed payments) Affordability limit = (Income share for all debt payments × Monthly net income − Other debt payments) ÷ Card payment share of limit Own income cap = Own income cap × Monthly net income Market = Lowest applicable market cap Credit limit = min(Behaviour limit, Affordability limit, Own income cap, Market), Rounded down Rounding step
The affordability limit assumes the card is fully drawn, and the behaviour rules are an example policy to edit, not a standard. Regulatory caps are summaries for this tool and are not legal advice.
Credit card limit rules in Turkey
Under the Bank Cards and Credit Cards Law and the BDDK decision reported on 31 January 2026, total credit card limits across all issuers are capped at twice average monthly income during a cardholder’s first year with a card and four times after. The amount available for this card is that total less limits held with other issuers.
The result is the lowest of the behaviour, affordability, lender-cap and Turkey-rule limits. The binding rule can differ by person, so use the result to review an applicant or cardholder and edit the example behaviour policy.
Credit card limit questions
What is Turkey’s credit card limit rule?
BDDK’s rule caps total credit card limits across all issuers at twice average monthly income during the first year with a card and four times after that. The room for this card is the applicable total less limits held with other issuers.
How does a Turkey credit card limit calculator work?
The tool compares the behaviour limit, affordability limit, lender’s own income cap and Turkey’s market rule. It names the lowest limit and rounds it down to the chosen increment.
What is the credit card limit in Turkey in the first year?
During the first year with a card, total credit card limits across all issuers are capped at twice average monthly income. The room for this card is that total less limits held with other issuers.
Do Turkey’s credit card limits apply across all banks?
BDDK’s cap applies to total credit card limits across every issuer together. The amount available for this card is the applicable cap less limits held with other issuers.
How much credit card limit can I get in Turkey?
The result depends on card behaviour, income after other debt payments, the lender’s own cap and Turkey’s rule. The calculator names the lowest candidate that sets the limit.