Card Security

• A card may have been altered if its name, number, expiry date, signature panel or magnetic stripe appears to have been changed. No single feature proves fraud.
• Merchants should check the amount and follow the POS terminal prompts, including any PIN or signature step.
• If the card seems suspicious, pause the sale and contact your acquiring bank for guidance. Keep required transaction records securely.

• If your card is missing, stolen or used without permission, call İktisatbank Telephone Banking on +90(392)444-4444 immediately and request a block.
• Check recent transactions and report any you do not recognise, including the date and amount. Never share your PIN or one-time verification codes.
• Merchants who suspect a lost or stolen card should follow their bank's POS and identity-check procedures.

• A fraudster may use stolen card details to try to pay without the physical card. Be cautious about unexpected calls or messages requesting payment information.
• Never disclose your PIN or a one-time code by phone, text or email. Enter card details only through a payment process you trust.
• Report unfamiliar transactions to İktisatbank on +90(392)444-4444 without delay. Merchants should follow their bank's authorisation and record-keeping rules.

• Rely on the POS terminal's transaction outcome. If card details appear altered, pause the sale and ask your acquiring bank for guidance.
• Check the hologram, signature panel and magnetic stripe where present. Card designs vary and valid cards may be unembossed; do not rely on one feature alone.
• Show the amount to the customer and complete the PIN, signature and identity checks required by your bank.
• Store receipts securely for the applicable period. Do not retain card security codes unnecessarily.

• 3D Secure adds a verification step to an online card payment. It offers another layer of protection but cannot guarantee that every fraudulent transaction will be prevented.
• Check the merchant and amount shown during verification. Approve only a purchase you started yourself, and never share a one-time code.
• Check your Cardplus online shopping settings and registered mobile number through İktisatbank Internet Banking, Mobile Banking or Telephone Banking on +90(392)444-4444.

Chip and PIN helps verify a payment by reading the card chip at a POS terminal and, when prompted, asking the cardholder to enter a PIN.

• Check the amount first. Enter your PIN yourself, shield the keypad and never tell the PIN to a member of staff.
• Check the terminal result and keep the receipt. If the amount or outcome looks wrong, speak to the merchant and your bank.
• For telephone or mail order payments, the card is not inserted into a POS terminal. Confirm the merchant and amount; never disclose your PIN or one-time code.

How should I manage my credit card spending?
Plan purchases around your regular income and upcoming instalments. Review each statement and track the due date.

How many credit cards should I have?
There is no single right number. Use only as many cards as you can monitor and repay comfortably.

Should I use a cash advance to pay another card?
A cash advance may add interest and fees. If you are struggling to pay, contact the bank early to discuss available options.

How do instalment purchases affect my budget?
Future instalments appear on later statements. Include them in your monthly plan before another purchase.

How do I earn Cardplus reward points?
Earning depends on current campaigns and participating merchant conditions. Check the offer and POS requirements.

Does a cash advance have a cost?
Interest or fees may apply. Check current charges and your available cash advance limit before withdrawing cash.

Why should I protect my card PIN?
A PIN verifies some card transactions. Keep it private, enter it yourself and avoid easily guessed numbers.

Can I use my Cardplus card online?
Check that online purchases are enabled. Use trusted checkout pages and verify the merchant and amount before approving payment.

How can I request a different Cardplus card?
Ask through İktisatbank's card application channels, a branch or Telephone Banking. Changes are assessed under current product conditions.

Can I use my Cardplus card abroad?
You can use it where the card network is accepted. Before travelling, check overseas usage settings and charges.

What if my card is lost or stolen?
Call +90(392)444-4444 immediately to report it and request a block. Review recent transactions.

Can late payment affect my card?
Late payment may lead to interest, fees or restrictions. Check your statement and contact the bank if you expect difficulty paying.

How can I get my credit card statement?
View available statements through İktisatbank's digital banking channels. Check your delivery preference and registered details with the bank.

When is my Cardplus statement issued?
Check the closing date shown for your card in digital banking or on your latest statement. Ask the bank to confirm your billing cycle.

What should I do about an unfamiliar transaction?
Call +90(392)444-4444 as soon as you notice it. Give the date and amount so the bank can review it.

When is my payment due?
The due date and minimum amount are shown on your statement. Check them each period, even if a printed statement is delayed.

How can I pay my Cardplus bill?
Use payment options available through İktisatbank branches, ATMs, Internet Banking or Mobile Banking, and check that the payment appears on your account.