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Kredi Kartı Üyelik Aidatı Nasıl Geri Alınır?

Bu soru bana sıkça sorulmaya başladığı için ayrı bir sayfa hazırlayıp insanların rahatça ulaşabileceği bir yere koymaya karar verdim. Umarım işinizi görür...  En güncel yöntemler şu şekilde 1. “Sözleşmede kart hamilinin haklarını zedeleyici ve kart çıkaran kuruluş lehine tek taraflı haksız şartlar sağlayan hükümlere yer verilemez” hükmü uyarınca bankaya başvuruda bulunun. Bunun için önce telefon ile görüşün. Gazete ve televizyonlarda çıkan haberleri, yukarıdaki hükmü ve Antalya Tüketici Sorunları Hakem Heyetinin bu paraların ödenmesi yönünde aldığı karardan bahsedin. 2. Eğer olumsuz cevap alırsanız, kredi kartınızı "Üyelik Aidatı" yüzünden kullanıma kapatılmasını talep edin. 3. Bu talebinizden maksimum 10 gün içinde sizi telefonla arayıp kartınızı tekrar kullanmanızı isteyecekler. Buna karşılık üyelik aidatınızı geri verecekler. Ayrıca bazı bankalar ekstra bonuslar da sunuyorlar. Kartınızı açtırmayı kabul etmeden önce bu bonusları da sorabilirsiniz. Yani "Tamam kart aidatını vereceksiniz ama ben çok rahatsız oldum bu tutumunuzdan, kullanıp kullanmama konusunda kararsızım" gibi birşey söylerseniz eminim güzel hediyeler ile karşılaşırsınız. En azından garanti bankasında karşılaşırsınız. 4. Eğer talebinize yine olumsuz cevap gelirse bu sefer bağlı olduğunuz ilçe kaymakamlığında olması zorunlu olan Tüketici Sorunları Hakem Heyetine başvurabilirsiniz. Bu başvurular normalde birebir gidip yapılması gerekiyor ama çoğu heyet mektup ile yapılan başvuruları da kabul ediyor. Önce telefon açıp mektup ile başvurup başvuramayacağınızı öğrenin ve bir dilekçe ve kredi kartı ekstrenizin kopyası veya orjinali ile heyete başvurun. Dilekçe örneği için http://www.tumer.org/kk_dilekce/dilekce3.php/ adresindeki formu kullanabilirsiniz. 5. O da olmazsa her sene kredi kartınızın tipini değiştirebilirsiniz. Bankalar verdikleri kredi kartları için ilk sene üyelik aidatı almıyorlar. Yani Bonus karttan bonus plus'a geçişte, bonus plus'tan bonus premium'a geçişte veya flexy'e geçişte bir sene kart aidat'ından kurtuluyorsunuz. 3-4 sene böyle idare edip tüm alternatifler bittiğinde başka bir bankaya geçebilirsiniz. :)
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