How does SizCard work?

Account Statement Debt in Siz Card is composed of Minimum payment amount and Outstanding Debt (the sum that you’ve split into installments).

US DOLLAR-BASED SIZCARD:

Account Statement Debt in dollar-based SizCard consists of your total purchases within the period and the installment due payments from the previous months (Transferring Debt). 25% of your account statement debt is determined as the minimum payment amount. Your remaining debt apart from the payments you make until the payment due date is fixed to American Dollar based on the effective currency rate of Turkiye Central Bank. In the following account statement, your American Dollar fixed debt is converted to TRY based on Turkiye Central Bank Effective Current Exchange Rates on the statement date of that month; therefore, your continuing debt that is split into installments from previous months is calculated. Dependent on the exchange movements your dollar-fixed debt split with 0% difference might have increase or decrease on TRY value.

TRY-BASED SIZCARD:

Account Statement Debt in TRY-based SizCard consists of your total purchases within the period and the installment due payments from the previous months (Transferring Debt). 25% of your account statement debt is determined as the minimum payment amount. Your debt remaining from the payments you made until payment due date, is transferred to the next month as TRY without making any currency fixing. It is added to your Account Statement Debt with %0 difference.

SizCard Limit:
While the limits of TRY Siz Card and Business Siz Card are assigned fixed on TRY currency, the limit of USD Siz Card is assigned as fixed to American Dollar.

SizCard Fee:
Your SizCard is owned for a certain fee.
The total Siz Card card price that will be reflected in the account statement as first transaction item is to be paid until the first payment due date. Card price is not included in the amount split into installments.

Delay Cases:
For TRY Siz Card and Business Siz Card payments delay, 15 TRY delay penalty is applied to the amount of the minimum payment amount, unpaid until the payment due date. Beside that; your unpaid payments are fixed to American Dollar based on the exchange rate on banknotes (buying) of TCB.
Your remaining debt apart from the payments you make until the payment due date is fixed to American Dollar based on the effective currency rate of Turkiye Central Bank.

Interim Payment:
If you want to make an early payment to your Siz Card before the statement date the payment that you will make will be deducted from the outstanding balance of your card. The payments made to Dollar based Siz Card are converted to American Dollar based on the exchange rate of the relevant payment date, and the US dollar transferred from the previous month is deducted from the outstanding balance.

BUSINESS SIZCARD:

Account Statement Debt in Business SizCard consists of your total purchases you made within the period and your debts split into installments in previous months (Transferring Debt). 25% of your account statement debt is determined as the minimum payment amount. Your debt having left over from the payments that you’ve made till the final date for payment is transferred to next month exactly in TRY amount without fixing. And it shall be added to your Account Statement Debt with 0% difference.

If you give directive, we pay your cheques by your Business Siz Card.