Credit card expenditure objections can be made through the following methods
Call Center: By calling the call center of the card issuer
Branch: By visiting the branch of the card issuer
Written Application: By applying to the card issuer in writing
Phone Application: By applying through the bank’s phone application
In order to make a credit card expenditure objection, the details of the expenditure (merchant name, transaction amount, transaction date, etc.) must be clearly stated. In addition, documents may also need to be submitted to support the objection. For example, in cases of fraud allegations, it is important to submit a document from the application made to the police or prosecutor’s office.
Credit card expenditure objections are evaluated and finalized by the issuer within 30 days from the date of objection. If the objection is found to be valid, the amount of the objected expenditures will be debited from the cardholder’s account and refunded to him/her.
In the evaluation of credit card expenditure objection, the card issuer is obliged to prove the validity of the objection. The cardholder, on the other hand, does not have the burden of proving that the objection is valid.
The cardholder has the right to file a written objection within 30 days against the decision rendered as a result of the evaluation of the credit card expenditure objection. The cardholder also has the right to apply to the Individual Customer Arbitration Panel of the Banks Association of Turkey against this decision.
The Sample Application Petition to the Individual Customer Arbitration Panel of the Banks Association of Turkey is a technical petition. It falls under the field of consumer law. Such petitions should definitely be prepared by specialized lawyers. Banks Association of Turkey Individual Customer Arbitration Panel Application Petition Sample While preparing the legal reasons should be written one by one and the evidence relied on should be added one by one. The date should also not be forgotten.