Kredi Karti Kullanim Egilimleri: Gelir Duzeyi ve Limitlerin Rolu

Kubra Bolukbas and Mehmet Selman Colak

CBT Research Notes in Economics from Research and Monetary Policy Department, Central Bank of the Republic of Turkey

Abstract: [TR] Turkiye'de kredi kartlari hem odeme hem de finansman araci olarak tum gelir gruplarinda yaygin bir sekilde kullanilmaktadir. Bu calismada, bireysel kredi karti (BKK) kullanim egiliminin bireylerin gelirleri ve kart limitleri ile olan iliskisi incelenmektedir. Calismada, kisi seviyesinde BKK bakiyesi, brut gelir ve kredi karti limit bilgilerini iceren kapsamli mikro veri setleri kullanilmistir. Bu cercevede, oncelikle bu iliskiye yonelik dagilimlar cesitli gostergeler yardimiyla sunulmustur. Daha sonra, BKK bakiyeleri ile gelir ve limit gostergeleri arasindaki esneklik test edilmistir. Analizler, gelir ve kart limiti ile BKK bakiyesi arasinda pozitif bir iliski oldugunu ve bu iliskinin limit artis hizina gore ayristigini ortaya koymustur. Son olarak, gelir seviyesinden bagimsiz olarak, asiri limite sahip olan bireylerin diger bireylere kiyasla daha dusuk limit doluluk oranina ve daha yuksek kart borcluluguna sahip oldugu bulgulanmistir. [EN] In Türkiye, credit cards are widely used across all income groups both as a payment and financing tool. In this study the relationship between personal credit card (PCC) usage tendency and individuals' incomes and card limits is examined. The study utilizes comprehensive microdata sets containing PCC, gross income, and card limit at the individual level. Accordingly, first, the distributions regarding this relationship are presented using various indicators. Subsequently, the elasticity between PCC balances and income/limit levels is tested. Analyses reveal that there is a positive relationship between income, card limit and PCC balance, and this relationship differs according to different limit increase rates. Finally, it is found that individuals with excessive credit limits, regardless of income level, have lower limit occupancy rates and higher card indebtedness compared to other individuals.

Date: 2025
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