Credit Card Late Interest Calculator
Enter your statement balance, card limit, what you paid and how many days late you are. Late interest on the unpaid minimum, normal interest on the rest and taxes are worked out at the CBRT maximum rates.
- Minimum payment8,000.00 ₺
- Unpaid part of the minimum8,000.00 ₺
- Maximum late rate (monthly)4.05%
- Card interest on the rest (same days)600.00 ₺
- KKDF + BSMV228.60 ₺
- Total interest and tax990.60 ₺
Card rate caps: TCMB
Minimum payment rate: BDDK
KKDF rate: GİB / Cumhurbaşkanı Kararı
BSMV rate: GİB / Cumhurbaşkanı Kararı
How it is calculated
On a credit card, late interest applies only to the unpaid part of the minimum; the rest of the balance carries the card’s normal rate. Each month the central bank sets the maximum normal and late rates by statement balance, and banks may not charge more. KKDF and BSMV are added to both.
Gecikme faizi = Ödenmeyen asgari × gecikme oranı × gün ÷ 30; Akdi faiz = Kalan borç × akdi oran × gün ÷ 30The maximum late rate is 0.30 points above the normal rate: under ₺30,000 3.55%, up to ₺180,000 4.05%, above 4.55%. Both carry KKDF 15% and BSMV 15%.Example
On a card with an ₺80,000 limit, the minimum on a ₺40,000 balance is ₺8,000. Pay nothing for 15 days and ₺162 of late interest at 4.05% a month runs on the ₺8,000; ₺210.60 with taxes. The other ₺32,000 carries ₺600 of normal interest plus tax for the same days.
Frequently asked questions
How much is credit card late interest?
The CBRT monthly maxima: 3.55% for balances under ₺30,000, 4.05% from ₺30,000 to ₺180,000, 4.55% above ₺180,000. KKDF and BSMV come on top.
Is there late interest if I pay the minimum?
No. Pay the minimum by the due date and no late interest runs; the rest carries only normal interest and its taxes.