{"id":31,"date":"2012-07-03T11:44:01","date_gmt":"2012-07-03T11:44:01","guid":{"rendered":"http:\/\/ulviercan.com\/gezgin\/?p=31"},"modified":"2012-07-07T10:43:55","modified_gmt":"2012-07-07T10:43:55","slug":"yurt-disinda-nakit-mi-kredi-karti-mi-hesap-karti-mi","status":"publish","type":"post","link":"https:\/\/www.ulviercan.com\/gezgin\/2012\/07\/03\/faydali-bilgiler\/yurt-disinda-nakit-mi-kredi-karti-mi-hesap-karti-mi\/","title":{"rendered":"Yurt d\u0131\u015f\u0131nda nakit mi? Kredi kart\u0131 m\u0131? Hesap kart\u0131 m\u0131?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-41 alignleft\" title=\"nakit_para_hesap\" src=\"https:\/\/ulviercan.com\/gezgin\/wp-content\/uploads\/2012\/07\/nakit_para_hesap.png\" alt=\"\" width=\"200\" height=\"457\" srcset=\"https:\/\/www.ulviercan.com\/gezgin\/wp-content\/uploads\/2012\/07\/nakit_para_hesap.png 200w, https:\/\/www.ulviercan.com\/gezgin\/wp-content\/uploads\/2012\/07\/nakit_para_hesap-131x300.png 131w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><strong>\u00d6n bilgi: <\/strong><em>Vak\u0131fbank kullanmaya karar verdim. Minimum 5 TL olmak \u00fczere yapm\u0131\u015f oldu\u011funuz nakit \u00e7ekim miktar\u0131n\u0131n %1 ini komisyon olarak al\u0131yorlar. \u00a0Kur d\u00f6n\u00fc\u015f\u00fcm\u00fc bir \u00f6nceki g\u00fcn saat 23:59 daki efektif sat\u0131\u015f kuruna g\u00f6re yap\u0131yorlar. \u0130\u015f Bankas\u0131&#8217; ndan daha avantajl\u0131. Yani 1000 TL(=446\u20ac) \u00e7eksem en fazla 20-30 TL zarar\u0131m olacak. Devede kulak \ud83d\ude42<\/em><\/p>\n<p>Bu konuda herkesten bir yorum duyabilirsiniz, ger\u00e7ekten a\u011fz\u0131 olan konu\u015fuyor. Banka \u015fubenize gitti\u011finizde ise yar\u0131m a\u011f\u0131zla cevaplar al\u0131yorsunuz. Yapman\u0131z gereken bankan\u0131z\u0131n m\u00fc\u015fteri destek hatt\u0131yla veya e-mail\/internet yolu ile bilgi almaya \u00e7al\u0131\u015fmak olacakt\u0131r. Zira ben \u00f6yle yapt\u0131m. A\u015fa\u011f\u0131da \u0130\u015f Bankas\u0131&#8217; na g\u00f6nderdi\u011fim soruyu ve detayl\u0131 yan\u0131t\u0131n\u0131 bulabilirsiniz.<\/p>\n<p>Ayr\u0131nt\u0131ya ge\u00e7meden \u00f6nce \u00f6nemli bir husustan s\u00f6z etmek istiyorum. Yurt d\u0131\u015f\u0131na giderken kredi kart\u0131 kullanacaksan\u0131z, 1 adet Visa 1 adet Master Card bulundurman\u0131z\u0131 tavsiye ediyorum, zira \u00e7ok nadirde olsa Visa&#8217; n\u0131n ge\u00e7ti\u011fi yerde Masted Card&#8217; \u0131n ge\u00e7meme durumu var. Ayr\u0131ca McDonald&#8217;s , Burger King gibi fast food restaurantlar duydu\u011fum kadar\u0131yla sadece\u00a0\u00a0nakit \u00e7al\u0131\u015f\u0131yorlar.<\/p>\n<blockquote><p><strong>Soru:<\/strong>\u00a0Merhaba, \u0130\u015fbank b\u00fcnyesinde 1 adet TL vadesiz hesab\u0131m ve buna ba\u011fl\u0131 \u0130\u015fte \u00dcniversiteli kredi kart\u0131m bulunmaktad\u0131r. 1 Hafta sonra yurt d\u0131\u015f\u0131na \u00e7\u0131kaca\u011f\u0131m, bununla alakal\u0131 \u00f6nerileriniz, maximum fayda sa\u011flayabilece\u011fim f\u0131rsatlar veya \u015f\u00f6yle yaparsan\u0131z sizin i\u00e7in daha avantajl\u0131 olur dedi\u011finiz bir se\u00e7enek\/se\u00e7enekler var m\u0131d\u0131r? Cevab\u0131n\u0131z\/yard\u0131m\u0131n\u0131z i\u00e7in \u015fimdiden te\u015fekk\u00fcr ediyorum..<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p><\/blockquote>\n<blockquote><p><strong>T\u00fcrkiye \u0130\u015f Bankas\u0131&#8217; ndan gelen cevap:<\/strong><br \/>\nBankam\u0131z, yurt d\u0131\u015f\u0131nda ge\u00e7erli kredi kartlar\u0131 i\u00e7in TL \u00f6demeli ve D\u00f6viz \u00f6demeli olmak \u00fczere iki \u00f6deme se\u00e7ene\u011fi sunmaktad\u0131r.<\/p>\n<p>Yurt d\u0131\u015f\u0131nda ger\u00e7ekle\u015ftirilen harcamalar VISA Premier kredi kartlar\u0131m\u0131z i\u00e7in USD veya Euro olarak,VISA Klasik Yurt \u0130\u00e7i-Yurt D\u0131\u015f\u0131 ve MasterCard kredi kartlar\u0131m\u0131z i\u00e7in ise i\u015fleme ait bor\u00e7 kayd\u0131n\u0131n yap\u0131ld\u0131\u011f\u0131 g\u00fcnden bir g\u00fcn \u00f6nce ge\u00e7erli olan \u0130nteraktif Bankac\u0131l\u0131k D\u00f6viz Sat\u0131\u015f Kurundan TLye \u00e7evrilerek hesab\u0131n\u0131za bor\u00e7 kaydedilmektedir. Di\u011fer taraftan, kredi kart\u0131n\u0131zla yurt d\u0131\u015f\u0131nda ger\u00e7ekle\u015ftirmi\u015f oldu\u011funuz i\u015flemler, VISA \/MasterCard kurulu\u015flar\u0131 taraf\u0131ndan Bankam\u0131za USD cinsinden g\u00f6nderilmektedir. USD d\u0131\u015f\u0131ndaki d\u00f6viz cinsinden harcamalar i\u00e7in VISA kurulu\u015fu taraf\u0131ndan kur d\u00f6n\u00fc\u015f\u00fcm\u00fc yap\u0131ld\u0131\u011f\u0131ndan, kredi kart\u0131n\u0131za ayr\u0131ca %1 oran\u0131nda kur d\u00f6n\u00fc\u015f\u00fcm \u00fccreti yans\u0131t\u0131lmaktad\u0131r.<\/p>\n<p>S\u00f6z konusu tutarlar i\u015flemin karta bor\u00e7 kaydedildi\u011fi g\u00fcnden bir g\u00fcn \u00f6nce saat 23:59&#8217;da ge\u00e7erli olan &#8220;\u0130nteraktif Bankac\u0131l\u0131k D\u00f6viz Sat\u0131\u015f Kuru&#8221; \u00fczerinden TLye \u00e7evrilerek kart hesab\u0131na yans\u0131t\u0131lmaya ba\u015flanacakt\u0131r.<\/p>\n<p>TL \u00f6demeli kredi kartlar\u0131m\u0131z i\u00e7in faiz oran\u0131m\u0131z % 2,34 t\u00fcr. Ayr\u0131ca yurt d\u0131\u015f\u0131ndan yap\u0131lan nakit \u00e7ekimlerde asgari 7 USD olmak \u00fczere i\u015flem tutar\u0131n\u0131n % 3.15&#8217;ine 3 USD ilavesinin TL kar\u015f\u0131l\u0131\u011f\u0131 nakit \u00e7ekme komisyonu uygulanmaktad\u0131r.<\/p>\n<p>Euro \u00f6demeli kredi kartlar\u0131m\u0131zda ayl\u0131k faiz oran\u0131m\u0131z %1.64, USD \u00f6demeli kredi kartlar\u0131m\u0131zda %1,70 olup, USD veya EUR d\u00f6viz cinsi olmas\u0131na ba\u011fl\u0131 olarak nakit \u00e7ekme komisyonu asgari 7 USD veya 7 EUR olmak \u00fczere i\u015flem tutar\u0131n\u0131n %3,15&#8217;ine 3 USD veya 3 EUR ilavesiyle uygulan\u0131r.<\/p>\n<p>Nakit \u00c7ekme ve Al\u0131\u015fveri\u015f Faiz Oran\u0131na bu oran \u00fczerinden hesaplanan %15 KKDF, %5 BSMV ilave edilmektedir.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6n bilgi: Vak\u0131fbank kullanmaya karar verdim. Minimum 5 TL olmak \u00fczere yapm\u0131\u015f oldu\u011funuz nakit \u00e7ekim miktar\u0131n\u0131n %1 ini komisyon olarak al\u0131yorlar. \u00a0Kur d\u00f6n\u00fc\u015f\u00fcm\u00fc bir \u00f6nceki g\u00fcn saat 23:59 daki efektif sat\u0131\u015f kuruna g\u00f6re yap\u0131yorlar. \u0130\u015f Bankas\u0131&#8217; ndan daha avantajl\u0131. Yani&hellip; <\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,10,11],"tags":[18,17,16,15,14,13],"class_list":["post-31","post","type-post","status-publish","format-standard","hentry","category-faydali-bilgiler","category-gitmeden-once","category-oradayken","tag-debit-kart","tag-hesap-karti","tag-kredi-karti","tag-nakit","tag-yurt-disi","tag-yurtdisi"],"_links":{"self":[{"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/posts\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":16,"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/posts\/31\/revisions"}],"predecessor-version":[{"id":42,"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/posts\/31\/revisions\/42"}],"wp:attachment":[{"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/media?parent=31"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/categories?post=31"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ulviercan.com\/gezgin\/wp-json\/wp\/v2\/tags?post=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}