To Use Your Card Correctly

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We strongly recommend you to pay attention to the points stated below while using your credit card

  • You must be careful that the total of your expenditures do not exceed your total income.
  • To avoid the trouble of keeping track of and managing many credit cards, use 2 or 3 cards at most.
  • To pay off your debt in a credit card, we suggest you to use cash advance from another card.
  • When you use cash advance, you should first pay off your debt with the highest interest rate and your cash advance debt that accrues daily interest, or prefer cash advance on installments. To pay off your cash advance debt, you don't have to wait for your statement.
  • When you can't pay off your credit card debt, you can contact your bank right away to make payment arrangements that suit you, and thus solve the problem before it gets unmanageable.
  • You should use the credit facility of your card only when necessary and for your short-term needs.
  • For long-term credit needs intended for the purchase of a high-amounted product or service, we suggest you to prefer using consumer loans.
  • When making layaway purchases, you should consider the amount that will build up on the following periods.
  • Against the risk of receiving your statement late, you can keep track of your debt through methods such as Internet Banking, Garanti BBVA ATM, Garanti BBVA Customer Communication Center, e-statement and SMS.

Related Information

  • Bonus Card

    The credit card with the most freebies.

  • Flexi Card

    You can determine all the features of Flexi yourself.

Enjoy your credit card!Enjoy your credit card!

Help and AdviceHelp and Advice

  • How can I get a PIN for my credit card?

    You can get your credit card PIN by calling 444 0 333 Garanti BBVA Customer Communication Center, keying in 1 (the PIN transactions option), and passing the security check. Find out more

  • How can I get a Bonus Premium Card?

    After you got your Bonus Plus, if you have earned a minimum of TL 150 within the last 12 months, your Bonus Plus is replaced by Bonus Premium. Find out more

  • When do the miles I earn through my purchases with Shop&Miles entered into my Miles&Smiles membership account?

    The Shop&Miles miles are automatically recorded in your Miles&Smiles membership account within (2) days following your statement date. Find out more

  • How can I create the visual of my Flexi Card?

    You can determine your card visual by selecting one of the 6 different standard Flexi visuals. Find out more