Akademik Veri Yönetim Sistemi
Ankara Hacı Bayram Veli Üniversitesi Hukuk Fakültesi Dergisi, cilt.26, sa.2, ss.349-382, 2022 (Hakemli Dergi)
In the new Law on Consumer Protection numbered 6502, it is regulated that credit
card contracts will be considered as a consumer credit contract if the possibility
to delay the payment for more than three months in return for interest or a similar
benefit or if the possibility to pay in installments is similarly provided. The issue of
how to understand the expression “providing possibility” in the provision has led to
diff erences of opinion in the doctrine. It has been defended on various grounds that
in order for the credit card agreement to be considered as a consumer credit, the
obligation must be de facto delayed for more than three months in return for interest
else a similar benefit or de facto made an installment plan for more than three months
in return for interest else a similar benefit. However, considering the purposes of
consumer law and the wording of the provision, it should be considered suff icient to
decide on this possibility in the contract, and the condition of making the de facto delay or de facto installment should not be sought.