Credit Cards - Frequently Asked Questions

A new credit card is issued one month before the expiry date of your credit card and delivered with a courier to make sure that you receive it one week prior to the expiry date at the latest.
If you haven’t received your new card one week before your current card's expiry date, you can call 444 0 333 Garanti BBVA Customer Communication Center and request it to be renewed.

If you need to get your first password for your new credit card:

• You can text 3340 by typing SIFRE and, by leaving spaces in between, adding the last 6 digits of your card number and the first two digits of the security code on the back of your card.
• You can call Garanti BBVA Customer Communication Center at 444 0 333 and say that you want to get a card password. You can get your card password after passing the security verification when you are routed to the relevant step.
• If you are using Garanti BBVA Internet Banking, you can get a password for your credit card under Card / Password Transactions / Set-Change Password or you can match the password of an existing credit card with the current one under the Match Password section.
• You can get one by clicking on the "Set Password for New Card" button on BonusFlaş. The password you set shall be linked to your card in the first purchase thereafter.

If you forgot your card password:

• You can call Garanti BBVA Customer Communication Center at 444 0 333 to renew your password.
• If you are using Garanti BBVA Internet Banking, you can get a new password for your credit card under Card > Password Transactions > Set-Change Password.
• You can set a new password under Settings > Card Settings > Card Password Transactions on BonusFlaş.

If you want to change your credit card password for security or other reasons:

• You can call Garanti BBVA Customer Communication Center at 444 0 333 to renew your password.
• If you are using Garanti BBVA Internet Banking, you can change your password under Card > Password Transactions > Set-Change Password.
• You can update your password under Settings > Card Settings > Card Password Transactions on BonusFlaş.

How can I learn my card's expiry date?

• Your card's expiry date is written on the front of your card. If it is wiped away and is thus illegible, please contact Garanti BBVA Customer Communication Center at 444 0 333.

• Garanti BBVA Mobile
• 444 0 333 Garanti BBVA Customer Communication Center
• Garanti BBVA Internet Banking
• Garanti BBVA ATMs
• Automatic payment order
• Garanti BBVA branches
• EFT from other banks
• Online PTT branches

If the minimum payment amount or more of the outstanding debt of the period is paid until the payment due date, then interest is accrued on the remaining debt amount until the next payment date or, if there is no payment, until the next cutoff date. If you pay all your outstanding debt of the period on the payment due date, no interest is accrued. On the other hand, daily interest is applied to cash advances.

Over-limit interest is the interest rate applied when the total of your purchases and cash withdrawals exceed your card limit.
 

If you want to stop shopping via the internet or telephone which requires using only your credit card number, you can call Garanti BBVA Customer Communication Center at 444 0 333 and make a request by saying "I want to disable my card for online shopping". You can make the same transaction by going to My Credit Cards > Display Card Details > Change on Garanti BBVA Internet Banking.

You should report the loss / theft by calling Garanti BBVA Customer Communication Center at 444 0 333. You shall bear no responsibility for purchases made with your card after the date you reported the incident. Your new card will be issued and delivered to you as soon as possible.

• Using your accumulated miles, you can purchase award tickets and companion tickets and upgrade your cabin class to, for example, Business Class. You can spend as many miles as you wish within a year, with no limit, and purchase award tickets.
• You can use your accumulated miles to purchase flight tickets or to shop at Miles&Smiles merchant stores.
• You can also use your miles to upgrade to a higher status in the Turkish Airlines Miles&Smiles Frequent Flyer Program, thereby benefiting from airport and exclusive flight services offered by Turkish Airlines.

Many alternative dates within a month may be determined as the cutoff date in accordance with your company's cash flow structure. There are 7* days between the cutoff date and payment due date.

Account statements are delivered by physical mail and can also be sent by electronic mail upon request.
 

You can track your limit increase request

• on Garanti BBVA Mobile > Transactions > Applications > Track Application > Credit Card Limit Request;
• on Garanti BBVA Internet Banking > Application > Track Application > Credit Card Limit Request;
• on BonusFlaş > More > Application and Tracking > Track Limit Request; or
• via Garanti BBVA Customer Communication Center by using the Garanti BBVA Customer Communication Center password and credit card password.

You can reduce your card limit via Garanti BBVA Customer Communication Center by using the Garanti BBVA Customer Communication Center password and credit card password or from our branches.