{"id":20727,"date":"2012-10-19T06:45:55","date_gmt":"2012-10-19T04:45:55","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=20727"},"modified":"2012-10-19T06:46:06","modified_gmt":"2012-10-19T04:46:06","slug":"kredi-karti-olana-mujde","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kredi-karti-olana-mujde\/","title":{"rendered":"Kredi Kart\u0131 Olana M\u00fcjde"},"content":{"rendered":"<p>Bir g\u00fcn ders i\u00e7in gitti\u011fim bir enstit\u00fcde s\u0131n\u0131fa sordum: Aran\u0131zda kredi kart\u0131 borcu olmayan var m\u0131? \u0130ki ki\u015fi d\u0131\u015f\u0131nda herkes onaylad\u0131. O iki ki\u015fiye d\u00f6n\u00fcp \u2018kredi kart\u0131n\u0131z yok\u2019 de\u011fil mi; dedim. Do\u011fruydu\u2026 Ger\u00e7ekten de T\u00fcrkiye\u2019nin sessiz ama fokurdayan sorunlar\u0131ndan biri bu.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2558747417\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Yap\u0131lan ara\u015ft\u0131rmalar kredi kartlar\u0131n\u0131n y\u00fczde 80\u2019ler d\u00fczeyinde giyim, g\u0131da ve bar\u0131nma i\u00e7in kullan\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6stermesine ra\u011fmen, k\u0131s\u0131r d\u00f6ng\u00fc i\u00e7erisinde, insanlar\u0131n hayat\u0131nda bilin\u00e7sizlikle ba\u015flayan bir kullan\u0131m \u00e7aresizlikle devam ediyor.<\/p>\n<p>\u00c7o\u011fu zaman bir t\u00fcketici kredisi alarak kapat\u0131lan ya da bankalar\u0131n yar\u0131 faiz oranlar\u0131na kredi kart\u0131 kapatma olana\u011f\u0131 verip, tefecilikten takibe giri\u015filen ki\u015filer taraf\u0131ndan bu d\u00f6ng\u00fcn\u00fcn boyutu daha da b\u00fcy\u00fcyor. \u00dcst\u00fcne bir de hukuk tan\u0131maz bir bi\u00e7imde aidat, i\u015flem paras\u0131, ATM\u2019den makbuz paras\u0131 gibi vakumlama da cabas\u0131.<\/p>\n<p>Ama art\u0131k t\u00fcm bu sorunlar bitti. \u00c7\u00fcnk\u00fc T\u00fcrk t\u00fcketicisi i\u00e7in, kimsenin \u00e7ok fark\u0131nda olmad\u0131\u011f\u0131 yeni bir kap\u0131 a\u00e7\u0131ld\u0131. M\u0131s\u0131r\u2019da Milli Bereket Bankas\u0131 \u00f6nce dolar cinsinden \u0130slami bono \u00e7\u0131karmak i\u00e7in haz\u0131rl\u0131klar\u0131n\u0131 tamamlad\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Ard\u0131ndan da bombay\u0131 patlatt\u0131: y\u0131l bitiminden \u00f6nce Master Card ile i\u015fbirli\u011fi i\u00e7inde \u0130slami kredi kart\u0131n\u0131 halka arz edece\u011fini duyurdu.<\/p>\n<p>Ne var bunda demeyin? Okumas\u0131n\u0131 biline \u00e7ok \u015fey var. Asl\u0131nda \u2018s\u00f6zde bahar\u2019 diye ba\u015flayan bu hik\u00e2yenin nas\u0131l bor\u00e7land\u0131rma ve varl\u0131klar\u0131 hortumlama mekanizmas\u0131 yaratt\u0131\u011f\u0131n\u0131n en g\u00fczel kan\u0131t\u0131. Durun, daha t\u00fcm b\u00f6lgeye yay\u0131lacak. Ge\u00e7ti\u011fimiz g\u00fcnlerde \u2018Al kart\u0131 ver petrol\u00fc\u2019 diye yazd\u0131\u011f\u0131mda asl\u0131nda tam da kast etti\u011fim buydu.<\/p>\n<p>\u015eimdi bir \u00fclkede kredi kart\u0131 olmas\u0131 normal olabilir. Bir \u00fclkenin bono \u00e7\u0131karmas\u0131 da ekonominin gerekliliklerinden biri olarak alg\u0131lanabilir. Ama i\u015fin ba\u015f\u0131na \u2018\u0130slami\u2019 s\u00f6zc\u00fc\u011f\u00fcn\u00fc yerle\u015ftirdi\u011finiz durum de\u011fi\u015fiyor. E\u011fer niyetiniz bu kelimeyle b\u00f6lgeyi kafalamak de\u011filse, mesela s\u0131f\u0131r faiz uygulamas\u0131 yapman\u0131z gerekir.<\/p>\n<p>Sizce \u00f6yle mi olacak? Belki ad\u0131na ba\u015fka bir \u015fey diyecekler, ama yapt\u0131klar\u0131 uygulama bal gibi de faiz olacak. T\u0131pk\u0131 bizimkiler gibi\u2026 Peki diyeceksiniz ki bundan bize ne? \u0130\u015fte f\u0131rsat burada ba\u015fl\u0131yor. Burada g\u0131rtla\u011f\u0131n\u0131za kadar borca ve faiz k\u0131skac\u0131na d\u00fc\u015fmediniz mi? E\u011fer bu kart bahsedildi\u011fi gibi \u2018\u0130slami\u2019 ise, faiz de olmayaca\u011f\u0131na g\u00f6re gidin al\u0131n karttan birer tane, oradan \u00e7ekip \u00e7ekip, s\u0131f\u0131r faizle borcunuzu taksitlendirmi\u015f olur.<\/p>\n<p>Diyeceksiniz ki, bize niye versinler? O zaman hamili kart yak\u0131n\u0131md\u0131r safhas\u0131na ge\u00e7eceksiniz. M\u0131s\u0131r Milli Bereket Bankas\u0131\u2019na gidip, bu \u00fclkeye bahar getiren demokrasi (!) m\u00fccadelesinin en b\u00fcy\u00fck destek\u00e7ilerinden birinin y\u00f6netti\u011fi \u00fclkeden geldi\u011finizi s\u00f6yleyin.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-228505571\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>\u0130nan\u0131n, halen b\u00fct\u00fcn bu hik\u00e2yenin banker cehennemi oldu\u011funu anlamad\u0131larsa, size o kart\u0131 verirler. Yaln\u0131z ufak bir uyar\u0131da bulunay\u0131m. Sonradan \u2018\u0130slami bankac\u0131l\u0131k\u2019 yapt\u0131\u011f\u0131n\u0131 s\u00f6yleyenler, eve faiz fark\u0131 diye ekstre yollarsa \u015fa\u015f\u0131rmay\u0131n. \u0130tiraz ederseniz de size Nasrettin Hoca\u2019n\u0131n kazan hik\u00e2yesini hat\u0131rlat\u0131rlar. Belki biraz de\u011fi\u015ftirerek:<\/p>\n<p>\u2018Ya\u015fanan\u0131n bahar oldu\u011funa inan\u0131yorsun da, bu istedi\u011fimizin faiz olmad\u0131\u011f\u0131na neden inanm\u0131yorsun?\u2019 Hakl\u0131 m\u0131, hakl\u0131\u2026<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir g\u00fcn ders i\u00e7in gitti\u011fim bir enstit\u00fcde s\u0131n\u0131fa sordum: Aran\u0131zda kredi kart\u0131 borcu olmayan var m\u0131? \u0130ki ki\u015fi d\u0131\u015f\u0131nda herkes onaylad\u0131. O iki ki\u015fiye d\u00f6n\u00fcp&hellip;<\/p>\n","protected":false},"author":5,"featured_media":14653,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/20727","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=20727"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/20727\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/14653"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=20727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=20727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=20727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}