{"id":1436,"date":"2026-10-16T18:00:00","date_gmt":"2026-10-16T15:00:00","guid":{"rendered":"https:\/\/www.ahmetmutlu.av.tr\/?p=1436"},"modified":"2026-10-08T22:44:54","modified_gmt":"2026-10-08T19:44:54","slug":"banka-karti-kotuye-kullanma-tck-245","status":"publish","type":"post","link":"https:\/\/www.ahmetmutlu.av.tr\/index.php\/2026\/10\/16\/banka-karti-kotuye-kullanma-tck-245\/","title":{"rendered":"Banka Kart\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131: TCK 245 Cezas\u0131, Aile \u0130stisnas\u0131 ve Etkin Pi\u015fmanl\u0131k"},"content":{"rendered":"

<\/p>\n

\n

G\u00f6zden ge\u00e7irme:

Yolda bulunan bir kartla temass\u0131z \u00f6deme yapmak, bir yak\u0131n\u0131n kart\u0131n\u0131 izinsiz kullanmak ya da kopyalanm\u0131\u015f bir kartla al\u0131\u015fveri\u015f etmek: bunlar\u0131n hepsi banka kart\u0131 k\u00f6t\u00fcye kullanma su\u00e7u kapsam\u0131nda, T\u00fcrk Ceza Kanunu’nun 245. maddesine g\u00f6re de\u011ferlendirilir. Madde \u00fc\u00e7 ayr\u0131 fiili, \u00fc\u00e7 ayr\u0131 ceza aral\u0131\u011f\u0131yla d\u00fczenler ve aile i\u00e7i kullan\u0131mda cezay\u0131 kald\u0131ran ya da zarar \u00f6denince cezay\u0131 azaltan \u00f6zel kurallar i\u00e7erir. Zarar\u0131n ne zaman \u00f6dendi\u011fi, h\u00fckm\u00fcn a\u00e7\u0131klanmas\u0131n\u0131n geri b\u0131rak\u0131lmas\u0131ndan memuriyete kadar sonucu de\u011fi\u015ftirdi\u011fi i\u00e7in yaz\u0131n\u0131n a\u011f\u0131rl\u0131\u011f\u0131n\u0131 bu konuya veriyoruz.<\/p>\n

\n

Bir bak\u0131\u015fta<\/p>\n

\n
Ba\u015fkas\u0131n\u0131n kart\u0131n\u0131 kullanma<\/dt>\n
TCK 245\/1: \u00fc\u00e7\u2013alt\u0131 y\u0131l hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131<\/dd>\n
Sahte kart<\/dt>\n
\u00dcretme, satma: \u00fc\u00e7\u2013yedi y\u0131l (245\/2); kullanma: d\u00f6rt\u2013sekiz y\u0131l (245\/3)<\/dd>\n
Aile i\u00e7i<\/dt>\n
E\u015f, \u00fcstsoy, altsoy ve birlikte ya\u015fanan karde\u015f zarar\u0131na 245\/1’de ceza verilmez<\/dd>\n
Etkin pi\u015fmanl\u0131k<\/dt>\n
245\/1 i\u00e7in TCK 168 uygulan\u0131r<\/dd>\n
Uzla\u015ft\u0131rma<\/dt>\n
Yok; \u015fik\u00e2yete de ba\u011fl\u0131 de\u011fil<\/dd>\n<\/dl>\n<\/div>\n
\nBu yaz\u0131da neler var?<\/summary>\n
    \n
  1. Banka Kart\u0131 K\u00f6t\u00fcye Kullanma Su\u00e7u Hangi Fiilleri Kapsar?<\/a><\/li>\n
  2. Ayn\u0131 Kartla Birden Fazla Harcama Yap\u0131l\u0131rsa Ne Olur?<\/a><\/li>\n
  3. Aile \u0130\u00e7inde Kart Kullan\u0131m\u0131nda Ceza Verilir mi?<\/a><\/li>\n
  4. Banka Kart\u0131 K\u00f6t\u00fcye Kullanma Su\u00e7lamas\u0131nda Ad\u0131m Ad\u0131m<\/a><\/li>\n
  5. Zarar \u00d6denirse H\u00fck\u00fcm Nas\u0131l De\u011fi\u015fir?<\/a><\/li>\n
  6. Banka Kart\u0131 K\u00f6t\u00fcye Kullanma Su\u00e7u Mahk\u00fbmiyeti Neleri Etkiler?<\/a><\/li>\n
  7. Banka Kart\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Hakk\u0131nda Merak Edilenler<\/a><\/li>\n<\/ol>\n<\/details>\n

    Banka Kart\u0131 K\u00f6t\u00fcye Kullanma Su\u00e7u Hangi Fiilleri Kapsar?<\/h2>\n

    TCK 245’in birinci f\u0131kras\u0131, ba\u015fkas\u0131na ait bir banka veya kredi kart\u0131n\u0131 herhangi bir yolla ele ge\u00e7iren ya da elinde bulunduran ki\u015finin, kart sahibinin veya kart\u0131n verilmesi gereken ki\u015finin r\u0131zas\u0131 olmadan kart\u0131 kullanarak ya da kulland\u0131rtarak kendisine veya ba\u015fkas\u0131na yarar sa\u011flamas\u0131n\u0131 cezaland\u0131r\u0131r. Kanunun \u00f6ng\u00f6rd\u00fc\u011f\u00fc yapt\u0131r\u0131m, \u00fc\u00e7 ila alt\u0131 y\u0131l aras\u0131nda hapis ve bunun yan\u0131nda be\u015f bin g\u00fcn\u00fc a\u015fmayan adli para cezas\u0131d\u0131r. Kart\u0131n \u00e7al\u0131nm\u0131\u015f, bulunmu\u015f ya da emanet b\u0131rak\u0131lm\u0131\u015f olmas\u0131 fark etmez; belirleyici olan, r\u0131za d\u0131\u015f\u0131nda kullan\u0131m ve yarar sa\u011flanmas\u0131d\u0131r.<\/p>\n

    Maddede kart sahibinin yan\u0131nda “kart\u0131n kendisine verilmesi gereken ki\u015fi” de an\u0131l\u0131r. Bu ifade, hen\u00fcz sahibine ula\u015fmam\u0131\u015f kartlar\u0131 korur. \u00d6rne\u011fin bankan\u0131n g\u00f6nderdi\u011fi yeni bir kredi kart\u0131 yanl\u0131\u015f adrese teslim edilmi\u015f ve orada a\u00e7\u0131l\u0131p kullan\u0131lm\u0131\u015fsa, kart sahibi kart\u0131 hi\u00e7 g\u00f6rmemi\u015f olsa bile r\u0131za d\u0131\u015f\u0131nda kullan\u0131m vard\u0131r. Ayn\u0131 \u015fekilde emanet b\u0131rak\u0131lan bir banka kart\u0131yla, sahibinin izin verdi\u011fi tutar\u0131n \u00fczerinde harcama yap\u0131lmas\u0131 da madde kapsam\u0131nda tart\u0131\u015f\u0131l\u0131r; belirleyici olan izin verilen i\u015flemin s\u0131n\u0131r\u0131d\u0131r.<\/p>\n

    Banka kart\u0131 k\u00f6t\u00fcye kullanma su\u00e7u yaln\u0131zca kart\u0131 fiziken kullanan ki\u015fiyi de\u011fil, kart\u0131 “kulland\u0131rtan” ki\u015fiyi de kapsar. Kart\u0131 bir ba\u015fkas\u0131na verip onun al\u0131\u015fveri\u015f yapmas\u0131n\u0131 sa\u011flayan ki\u015fi de, yarar kendisine ge\u00e7mese bile, maddedeki fiili i\u015flemi\u015f say\u0131labilir.<\/p>\n

    \u0130kinci f\u0131kra kart sahtecili\u011fini hedef al\u0131r: ba\u015fkalar\u0131na ait banka hesaplar\u0131yla ili\u015fkilendirilerek sahte banka veya kredi kart\u0131 \u00fcreten, satan, devreden, sat\u0131n alan veya kabul eden ki\u015fi \u00fc\u00e7 y\u0131ldan yedi y\u0131la kadar hapis ve on bin g\u00fcne kadar adli para cezas\u0131 al\u0131r. \u00dc\u00e7\u00fcnc\u00fc f\u0131kra ise sahte ya da \u00fczerinde sahtecilik yap\u0131lm\u0131\u015f bir kart\u0131 kullanarak yarar sa\u011flamay\u0131, fiil daha a\u011f\u0131r bir su\u00e7 olu\u015fturmuyorsa, d\u00f6rt y\u0131ldan sekiz y\u0131la kadar hapisle cezaland\u0131r\u0131r.<\/p>\n

    \n\n\n\n\n\n\n\n\n
    Fiil<\/th>\nF\u0131kra<\/th>\nCeza<\/th>\n<\/tr>\n<\/thead>\n
    Ba\u015fkas\u0131n\u0131n ger\u00e7ek kart\u0131n\u0131 r\u0131zas\u0131 d\u0131\u015f\u0131nda kullanma<\/td>\n245\/1<\/td>\n3\u20136 y\u0131l hapis, 5.000 g\u00fcne kadar adli para cezas\u0131<\/td>\n<\/tr>\n
    Sahte kart \u00fcretme, satma, devretme, sat\u0131n alma, kabul<\/td>\n245\/2<\/td>\n3\u20137 y\u0131l hapis, 10.000 g\u00fcne kadar adli para cezas\u0131<\/td>\n<\/tr>\n
    Sahte veya de\u011fi\u015ftirilmi\u015f kartla yarar sa\u011flama<\/td>\n245\/3<\/td>\n4\u20138 y\u0131l hapis, 5.000 g\u00fcne kadar adli para cezas\u0131<\/td>\n<\/tr>\n
    Kopyalama cihaz\u0131 veya program imal, sat\u0131\u015f, bulundurma<\/td>\n245\/A<\/td>\n1\u20133 y\u0131l hapis, 5.000 g\u00fcne kadar adli para cezas\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

    Kart kopyalamada kullan\u0131lan cihazlar i\u00e7in 2016’da eklenen TCK 245\/A ayr\u0131 bir su\u00e7 \u00f6ng\u00f6r\u00fcr. Bir cihaz, program ya da \u015fifre m\u00fcnhas\u0131ran bili\u015fim su\u00e7lar\u0131n\u0131n i\u015flenmesi i\u00e7in yap\u0131lm\u0131\u015fsa onu imal eden, ithal eden, satan, sat\u0131n alan veya bulunduran ki\u015fi, hen\u00fcz bir kart kopyalanmam\u0131\u015f olsa bile bu maddeden sorumlu tutulur.<\/p>\n

    \"Banka
    TCK 245’te \u00dc\u00e7 Fiil, \u00dc\u00e7 Ceza<\/figcaption><\/figure>\n

    Ayn\u0131 Kartla Birden Fazla Harcama Yap\u0131l\u0131rsa Ne Olur?<\/h2>\n

    Diyelim ki bulunan bir kartla ayn\u0131 g\u00fcn i\u00e7inde d\u00f6rt ayr\u0131 ma\u011fazada temass\u0131z \u00f6deme yap\u0131ld\u0131. Bu durumda her \u00f6deme i\u00e7in ayr\u0131 ceza verilmez. TCK 43\/1 bu durumu zincirleme su\u00e7 olarak ele al\u0131r: ayn\u0131 karar do\u011frultusunda, farkl\u0131 anlarda, ayn\u0131 ma\u011fdura y\u00f6nelik tekrarlanan fiiller i\u00e7in mahkeme bir kez ceza belirler, sonra bu cezay\u0131 en az \u00e7eyrek, en \u00e7ok d\u00f6rtte \u00fc\u00e7 oran\u0131nda y\u00fckseltir. \u00dc\u00e7 y\u0131ll\u0131k temel ceza b\u00f6ylece \u00fc\u00e7 y\u0131l dokuz aydan be\u015f y\u0131l \u00fc\u00e7 aya kadar \u00e7\u0131kabilir.<\/p>\n

    Kartlar farkl\u0131 ki\u015filere aitse durum de\u011fi\u015fir; her kart sahibine kar\u015f\u0131 ayr\u0131 su\u00e7 olu\u015fur ve cezalar ayr\u0131 ayr\u0131 belirlenir. Kart\u0131n ele ge\u00e7irilme bi\u00e7imi de ayr\u0131 bir su\u00e7 do\u011furabilir: kart c\u00fczdanla birlikte \u00e7al\u0131nd\u0131ysa h\u0131rs\u0131zl\u0131k, zorla al\u0131nd\u0131ysa ya\u011fma ayr\u0131ca g\u00fcndeme gelebilir.<\/p>\n

    Aile \u0130\u00e7inde Kart Kullan\u0131m\u0131nda Ceza Verilir mi?<\/h2>\n

    245\/1’deki su\u00e7, haklar\u0131nda ayr\u0131l\u0131k karar\u0131 verilmemi\u015f e\u015flerden birinin, \u00fcstsoy veya altsoyun ya da bu derecedeki kay\u0131n h\u0131s\u0131mlar\u0131ndan birinin, evlat edinen veya evlatl\u0131\u011f\u0131n ya da ayn\u0131 konutta birlikte ya\u015fayan karde\u015flerden birinin zarar\u0131na i\u015flenirse ilgili akrabaya ceza verilmez (TCK 245\/4). \u00d6rne\u011fin babas\u0131n\u0131n kart\u0131n\u0131 izinsiz kullanan \u00e7ocuk i\u00e7in mahk\u00fbmiyet h\u00fckm\u00fc kurulamaz.<\/p>\n

    Bu istisna yaln\u0131zca birinci f\u0131kray\u0131 kapsar. Sahte kart \u00fcretimi (245\/2) veya sahte kart\u0131n kullan\u0131lmas\u0131 (245\/3) aile i\u00e7inde ger\u00e7ekle\u015fse bile ceza verilir. Ayr\u0131ca istisna ki\u015fiseldir: kart\u0131 akrabas\u0131ndan al\u0131p kullanan arkada\u015f, akrabal\u0131k ba\u011f\u0131 olmad\u0131\u011f\u0131 i\u00e7in cezadan kurtulamaz.<\/p>\n

    \n

    Somut dosyan\u0131z i\u00e7in:<\/strong> Buradaki anlat\u0131m genel \u00e7er\u00e7evedir; banka kart\u0131 k\u00f6t\u00fcye kullanma ile ilgili bir dosyada sonucu su\u00e7 tarihi, sab\u0131ka durumu ve verilen karar\u0131n t\u00fcr\u00fc belirler. G\u00f6r\u00fc\u015fmede infaz hesab\u0131 ve adli sicil etkileri de dosyayla birlikte ele al\u0131n\u0131r. G\u00f6r\u00fc\u015fme i\u00e7in ileti\u015fim sayfas\u0131<\/a>na bakabilirsiniz.<\/p>\n<\/div>\n

    Banka Kart\u0131 K\u00f6t\u00fcye Kullanma Su\u00e7lamas\u0131nda Ad\u0131m Ad\u0131m<\/h2>\n

    Bu b\u00f6l\u00fcm, hakk\u0131nda 245. madde kapsam\u0131nda soru\u015fturma ba\u015flat\u0131lan ki\u015fi ve yak\u0131nlar\u0131 i\u00e7in haz\u0131rland\u0131. Belge, s\u00fcre ve merci s\u0131ras\u0131yla \u015f\u00f6yledir:<\/p>\n

      \n
    1. Harcama d\u00f6k\u00fcm\u00fcn\u00fc edinin.<\/strong> Dosyada hangi i\u015flemlerin size isnat edildi\u011fini m\u00fcdafi arac\u0131l\u0131\u011f\u0131yla \u00f6\u011frenin. Tutar, tarih ve i\u015fyeri bilgisi, hem zarar\u0131n hesab\u0131 hem de TCK 43 uygulamas\u0131 i\u00e7in temel belgedir.<\/li>\n
    2. Akrabal\u0131k varsa belgeleyin.<\/strong> Kart sahibiyle aran\u0131zda 245\/4’te say\u0131lan bir ba\u011f varsa n\u00fcfus kay\u0131t \u00f6rne\u011fini ve gerekiyorsa ayn\u0131 konutta ya\u015fand\u0131\u011f\u0131n\u0131 g\u00f6steren adres kayd\u0131n\u0131 dosyaya sunun.<\/li>\n
    3. Zarar\u0131 kovu\u015fturmadan \u00f6nce \u00f6deyin.<\/strong> \u0130ddianame kabul edilmeden yap\u0131lan tam \u00f6deme, TCK 168\/1 uyar\u0131nca cezan\u0131n \u00fc\u00e7te ikisine kadar indirilmesini sa\u011flar. \u00d6demeyi dekontla belgeleyin ve dekontu savc\u0131l\u0131k dosyas\u0131na verin.<\/li>\n
    4. K\u0131smi \u00f6demede ma\u011fdurun r\u0131zas\u0131n\u0131 al\u0131n.<\/strong> Zarar\u0131n yaln\u0131z bir k\u0131sm\u0131 \u00f6deniyorsa indirim i\u00e7in ma\u011fdurun yaz\u0131l\u0131 r\u0131zas\u0131 gerekir (TCK 168\/4).<\/li>\n
    5. Hesap ask\u0131s\u0131na kar\u015f\u0131 ba\u015fvurun.<\/strong> TCK 245 \u015f\u00fcphesinde banka hesab\u0131 k\u0131rk sekiz saate kadar ask\u0131ya al\u0131nabilir; hesap sahibi ask\u0131n\u0131n kald\u0131r\u0131lmas\u0131 i\u00e7in ba\u015fsavc\u0131l\u0131\u011fa ba\u015fvurabilir ve savc\u0131 yirmi d\u00f6rt saatte karar verir (CMK 128\/A).<\/li>\n<\/ol>\n
      \n

      Dikkat:<\/strong> Etkin pi\u015fmanl\u0131kta zamanlama cezay\u0131 do\u011frudan belirler. Kovu\u015fturma ba\u015flamadan yap\u0131lan \u00f6demede indirim \u00fc\u00e7te ikiye kadar, kovu\u015fturma ba\u015flad\u0131ktan sonra ama h\u00fck\u00fcmden \u00f6nce yap\u0131lan \u00f6demede yar\u0131ya kadard\u0131r (TCK 168\/1-2). H\u00fck\u00fcm verildikten sonra yap\u0131lan \u00f6deme bu indirimi sa\u011flamaz. Etkin pi\u015fmanl\u0131k, 245\/5 uyar\u0131nca yaln\u0131zca birinci f\u0131kradaki fiile uygulan\u0131r; sahte kart dosyalar\u0131nda bu yol yoktur.<\/p>\n<\/div>\n

      \"Kart
      Zarar Ne Zaman \u00d6denirse Ne Olur?<\/figcaption><\/figure>\n

      Zarar \u00d6denirse H\u00fck\u00fcm Nas\u0131l De\u011fi\u015fir?<\/h2>\n

      Bir \u00f6rnekle hesaplayal\u0131m. 245\/1’den \u00fc\u00e7 y\u0131ll\u0131k temel cezaya h\u00fckmedilecek bir san\u0131k, iddianame kabul edilmeden zarar\u0131 tamamen \u00f6dedi. Mahkeme TCK 168\/1 uyar\u0131nca \u00fc\u00e7te iki indirim yaparsa ceza bir y\u0131la, ard\u0131ndan TCK 62’deki alt\u0131da bir takdiri indirimle on aya iner. Bu noktada \u00fc\u00e7 yol a\u00e7\u0131l\u0131r.<\/p>\n

      \u0130lk yol h\u00fckm\u00fcn a\u00e7\u0131klanmas\u0131n\u0131n geri b\u0131rak\u0131lmas\u0131d\u0131r: ceza iki y\u0131l\u0131 a\u015fmad\u0131\u011f\u0131, san\u0131\u011f\u0131n kas\u0131tl\u0131 su\u00e7tan \u00f6nceki mahk\u00fbmiyeti olmad\u0131\u011f\u0131 ve zarar giderildi\u011fi i\u00e7in CMK 231 ko\u015fullar\u0131 tart\u0131\u015f\u0131labilir. HAGB verilirse ceza ayr\u0131ca ertelenemez ve se\u00e7enek yapt\u0131r\u0131ma \u00e7evrilemez (CMK 231\/7).<\/p>\n

      \u0130kinci yol ertelemedir; HAGB verilmezse iki y\u0131l\u0131 a\u015fmayan ceza ertelenebilir (TCK 51). \u00dc\u00e7\u00fcnc\u00fc yol se\u00e7enek yapt\u0131r\u0131md\u0131r: on ayl\u0131k ceza k\u0131sa s\u00fcreli hapis oldu\u011fundan adli para cezas\u0131na veya kanunda say\u0131lan di\u011fer se\u00e7enek yapt\u0131r\u0131mlara \u00e7evrilebilir (TCK 49\/2, 50).<\/p>\n

      Zarar \u00f6denmediyse tablo de\u011fi\u015fir. \u00dc\u00e7 y\u0131ll\u0131k ceza, takdiri indirimle iki y\u0131l alt\u0131 aya iner ve iki y\u0131l\u0131 a\u015ft\u0131\u011f\u0131 i\u00e7in bu \u00fc\u00e7 yolun hi\u00e7biri kullan\u0131lamaz. Hapis infaz edilir: h\u00fck\u00fcml\u00fc, cezas\u0131n\u0131n yar\u0131s\u0131n\u0131 cezaevinde iyi h\u00e2lle tamamlad\u0131\u011f\u0131nda ko\u015fullu sal\u0131verilmeden yararlanabilir (5275 m.107\/2). Ko\u015fullu sal\u0131verilmeye bir y\u0131l kalm\u0131\u015f ve a\u00e7\u0131k kuruma ge\u00e7mi\u015f h\u00fck\u00fcml\u00fc denetimli serbestlik talep edebilir (m.105\/A).<\/p>\n

      Banka Kart\u0131 K\u00f6t\u00fcye Kullanma Su\u00e7u Mahk\u00fbmiyeti Neleri Etkiler?<\/h2>\n

      Memuriyet bak\u0131m\u0131ndan ayr\u0131m \u015fudur: Devlet Memurlar\u0131 Kanunu m.48\/A-5’teki \u00f6zel su\u00e7 listesinde (doland\u0131r\u0131c\u0131l\u0131k, h\u0131rs\u0131zl\u0131k, sahtecilik gibi) TCK 245 ad\u0131yla say\u0131lmaz. Bu nedenle memuriyete engel olup olmad\u0131\u011f\u0131 genel \u00f6l\u00e7\u00fcte, yani kasten i\u015flenen su\u00e7tan bir y\u0131l veya daha fazla hapis cezas\u0131 al\u0131n\u0131p al\u0131nmad\u0131\u011f\u0131na g\u00f6re belirlenir. \u00d6rnekteki on ayl\u0131k ceza bu e\u015fi\u011fin alt\u0131nda kal\u0131r; \u00f6denmeyen dosyadaki iki y\u0131l alt\u0131 ayl\u0131k ceza ise \u00fcst\u00fcndedir.<\/p>\n

      Kasten i\u015flenen su\u00e7tan hapis mahk\u00fbmiyeti, cezan\u0131n infaz\u0131 tamamlanana kadar TCK 53’teki haklar\u0131n kullan\u0131lmas\u0131n\u0131 da engeller. \u0130nfaz tamamlan\u0131nca adli sicil kayd\u0131 ar\u015five al\u0131n\u0131r (5352 m.9); ar\u015fiv kayd\u0131n\u0131n silinme s\u00fcresi, mahk\u00fbmiyetin ba\u015fka bir kanunda hak yoksunlu\u011fu do\u011furup do\u011furmad\u0131\u011f\u0131na g\u00f6re be\u015f y\u0131l ya da daha uzun olabilir (m.12). HAGB karar\u0131 ise adli sicile mahk\u00fbmiyet olarak ge\u00e7mez, ayr\u0131 bir sisteme kaydedilir (CMK 231\/13).<\/p>\n

      \"Zarar\u0131
      \u00d6deme Yap\u0131lan Dosyada Ceza Hesab\u0131<\/figcaption><\/figure>\n

      Banka Kart\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Hakk\u0131nda Merak Edilenler<\/h2>\n
      \n
      \nBuldu\u011fum kartla k\u00fc\u00e7\u00fck bir \u00f6deme yapt\u0131m, yine 245 mi uygulan\u0131r?<\/summary>\n

      Evet, tutar\u0131n k\u00fc\u00e7\u00fck olmas\u0131 su\u00e7un tipini de\u011fi\u015ftirmez. R\u0131za d\u0131\u015f\u0131nda kullan\u0131m ve yarar sa\u011flama varsa 245\/1 uygulan\u0131r; tutar, zarar\u0131n hesab\u0131nda ve cezan\u0131n belirlenmesinde etkili olur. Zarar\u0131n hemen \u00f6denmesi, etkin pi\u015fmanl\u0131k indirimi i\u00e7in en elveri\u015fli yoldur.<\/p>\n<\/details>\n

      \nKart sahibi \u015fik\u00e2yetini geri al\u0131rsa dava d\u00fc\u015fer mi?<\/summary>\n

      Hay\u0131r, d\u00fc\u015fmez. TCK 245 \u015fik\u00e2yete ba\u011fl\u0131 bir su\u00e7 de\u011fildir ve CMK 253’teki uzla\u015ft\u0131rma listesinde yer almaz. Kart sahibinin \u015fik\u00e2yetten vazge\u00e7mesi savc\u0131l\u0131\u011f\u0131 veya mahkemeyi ba\u011flamaz; ancak zarar\u0131n giderildi\u011fini g\u00f6steren beyan\u0131 etkin pi\u015fmanl\u0131k de\u011ferlendirmesinde \u00f6nem ta\u015f\u0131r.<\/p>\n<\/details>\n

      \nKart\u0131n \u015fifresini sahibi verdiyse su\u00e7 olu\u015fur mu?<\/summary>\n

      R\u0131zan\u0131n kapsam\u0131 belirleyicidir. Kart sahibi belirli bir al\u0131\u015fveri\u015f i\u00e7in kart\u0131n\u0131 ve \u015fifresini verdiyse o i\u015flem r\u0131za dahilindedir. Verilen izni a\u015fan harcamalar ise r\u0131za d\u0131\u015f\u0131nda say\u0131labilir; bu ayr\u0131m, mesajla\u015fma ve tan\u0131k beyanlar\u0131yla ispat edilir.<\/p>\n<\/details>\n

      \nSahte kart dosyas\u0131nda etkin pi\u015fmanl\u0131k m\u00fcmk\u00fcn m\u00fc?<\/summary>\n

      Hay\u0131r, 245\/5 etkin pi\u015fmanl\u0131\u011f\u0131 yaln\u0131zca birinci f\u0131kraya ba\u011flar. Sahte kart \u00fcretimi (245\/2) ve sahte kartla yarar sa\u011flama (245\/3) i\u00e7in TCK 168 uygulanmaz. Bu dosyalarda indirim i\u00e7in yaln\u0131zca takdiri indirim (TCK 62) ve su\u00e7a i\u015ftirak bi\u00e7imine g\u00f6re yap\u0131lacak de\u011ferlendirmeler kal\u0131r.<\/p>\n<\/details>\n

      \nDava zamana\u015f\u0131m\u0131 ne kadard\u0131r?<\/summary>\n

      On be\u015f y\u0131ld\u0131r. 245\/1’de \u00fcst s\u0131n\u0131r alt\u0131 y\u0131l, 245\/3’te sekiz y\u0131l oldu\u011fundan her ikisi de be\u015f y\u0131l\u0131 a\u015fan ve yirmi y\u0131ldan az hapis gerektiren su\u00e7lar grubuna girer (TCK 66\/1-d). 245\/A’da \u00fcst s\u0131n\u0131r \u00fc\u00e7 y\u0131l oldu\u011fundan s\u00fcre sekiz y\u0131ld\u0131r.<\/p>\n<\/details>\n<\/div>\n

      \n

      Dayanak mevzuat<\/p>\n