{"id":4275,"date":"2022-04-28T14:54:27","date_gmt":"2022-04-28T11:54:27","guid":{"rendered":"https:\/\/oner.av.tr\/?p=4275"},"modified":"2022-04-28T14:54:27","modified_gmt":"2022-04-28T11:54:27","slug":"banka-veya-kredi-kartlarinin-kotuye-kullanilmasi-sucu-ve-cezasi","status":"publish","type":"post","link":"https:\/\/oner.av.tr\/en\/banka-veya-kredi-kartlarinin-kotuye-kullanilmasi-sucu-ve-cezasi\/","title":{"rendered":"Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7u ve Cezas\u0131"},"content":{"rendered":"<p style=\"text-align: justify;\">T\u00fcrk Ceza Kanunu\u2019nun 245. maddesinde, <em>ba\u015fkas\u0131na ait ger\u00e7ek bir banka veya kredi kart\u0131n\u0131 elinde bulunduran kimsenin, kart sahibinin veya kart\u0131n kendisine verilmesi gereken ki\u015finin r\u0131zas\u0131 bulunmadan, o kart\u0131 kullanarak veya kulland\u0131rtarak kendisine veya ba\u015fkas\u0131na yarar sa\u011flamas\u0131\u00a0<\/em> eylemi d\u00fczenlenmi\u015ftir.<\/p>\n<p style=\"text-align: justify;\">Bu su\u00e7 tipiyle korunan hukuksal de\u011fer yaln\u0131zca malvarl\u0131\u011f\u0131 de\u011fil; bankac\u0131l\u0131k sistemi, ticari ya\u015fam, kamu g\u00fcveni, bili\u015fim alan\u0131 ile bu alan\u0131n g\u00fcvenli\u011fi ve bili\u015fim sistemlerinin d\u00fczg\u00fcn i\u015flemesindeki topluma ait olan menfaat ve ayn\u0131 zamanda kartl\u0131 \u00f6demeler sisteminin g\u00fcvenilirli\u011fidir.<\/p>\n<p style=\"text-align: justify;\">Fail taraf\u0131ndan ba\u015fkas\u0131na ait banka ya da kredi kart\u0131 kullan\u0131larak elde edilen yarar, maddi nitelikte\u00a0 bir yarar olmal\u0131d\u0131r. Bu kapsamda paran\u0131n hesaba havale edilmi\u015f olmas\u0131 su\u00e7un tamamlanmas\u0131 bak\u0131m\u0131ndan yeterlidir. Yani failin hesab\u0131na aktar\u0131lan paray\u0131 \u00e7ekip \u00e7ekmemesinin \u00f6nemi yoktur.<\/p>\n<p style=\"text-align: justify;\">Su\u00e7un tamamlanabilmesi a\u00e7\u0131s\u0131ndan \u00f6nemli olan husus ise; failin kendisi ya da ba\u015fkas\u0131 i\u00e7in yarar elde etmesidir. Fail ba\u015fkas\u0131n\u0131n banka veya kredi kart\u0131n\u0131 ele ge\u00e7irdikten sonra, ma\u011fdurun zarar\u0131na olarak kendi hesab\u0131na ya da \u00fc\u00e7\u00fcnc\u00fc \u015fahsa ait hesaba para havalesi yapt\u0131\u011f\u0131 anda su\u00e7 tamamlanm\u0131\u015f kabul edilecektir.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unun Kapsam\u0131<\/strong><\/h2>\n<p style=\"text-align: justify;\">Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7u, ayr\u0131 ayr\u0131 3 farkl\u0131 su\u00e7 tipi olarak kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r. Bunlar;<\/p>\n<ol style=\"text-align: justify;\">\n<li>Ger\u00e7ek bir banka veya kredi kart\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131yla hukuka ayk\u0131r\u0131 yarar sa\u011flama<\/li>\n<li>Sahte banka veya kredi kart\u0131 \u00fcretme<\/li>\n<li>Sahte banka veya kredi kart\u0131 kullanma suretiyle hukuka ayk\u0131r\u0131 yarar sa\u011flama su\u00e7lar\u0131d\u0131r.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">S\u00f6z konusu eylemler, &#8220;bili\u015fim sistemi arac\u0131l\u0131\u011f\u0131yla hukuka ayk\u0131r\u0131 yarar elde etme su\u00e7unun&#8221; kapsam\u0131 i\u00e7inde de\u011ferlendirilen &#8220;banka veya kredi kartlar\u0131n\u0131n yetkisiz kullan\u0131m\u0131&#8221; eylemiyle \u00f6rt\u00fc\u015fmektedir. Bu sayede banka ve kredi kartlar\u0131 ister ba\u015fkas\u0131ndan ele ge\u00e7irilen bir ger\u00e7ek kart olsun ister sahte olarak \u00fcretilmi\u015f veya \u00fczerinde sahtecilik yap\u0131lm\u0131\u015f bir kart olsun, bunlar\u0131n kullan\u0131lmas\u0131 suretiyle haks\u0131z yarar elde su\u00e7 haline getirilmi\u015ftir.<\/p>\n<p style=\"text-align: justify;\">Ayr\u0131ca bu t\u00fcr kartlar\u0131n \u00fcretimi ve her t\u00fcrl\u00fc el de\u011fi\u015ftirmesi de su\u00e7 olarak d\u00fczenlenmi\u015ftir.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unun Cezas\u0131<\/strong><\/h2>\n<p style=\"text-align: justify;\">Ba\u015fkas\u0131na ait banka veya kredi kart\u0131yla hukuka ayk\u0131r\u0131 yarar sa\u011flama su\u00e7unun ger\u00e7ekle\u015ftirilmesi halinde faile<strong> \u00fc\u00e7 y\u0131ldan alt\u0131 y\u0131la kadar hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131<\/strong> verilir.<\/p>\n<p style=\"text-align: justify;\">Sahte olu\u015fturulan veya \u00fczerinde sahtecilik yap\u0131lan banka veya kredi kart\u0131yla hukuka ayk\u0131r\u0131 yarar sa\u011flama eyleminin ger\u00e7ekle\u015ftirilmesi halinde ise faile <strong>d\u00f6rt y\u0131ldan yedi y\u0131la kadar hapis cezas\u0131<\/strong> verilecektir.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unun Faili ve Ma\u011fduru<\/strong><\/h2>\n<p style=\"text-align: justify;\">Bu su\u00e7un ma\u011fduru herkes olabilir. Fail i\u00e7in \u00f6zellikle belirtmek gerekir ki; sahte kredi veya banka kart\u0131 yap\u0131m\u0131nda kullan\u0131lan ara\u00e7lar\u0131n ve banka hesap bilgilerinin elde edilmesi ve kartlara uygulanmas\u0131 belli bir seviyede uzmanl\u0131k bilgisi gerektirir. Uygulamada bu su\u00e7 genellikle \u00f6rg\u00fctl\u00fc halde i\u015flenmektedir.<\/p>\n<p style=\"text-align: justify;\">Ma\u011fdurun belirlenmesi ise Yarg\u0131tay&#8217;a g\u00f6re her somut olayda ayr\u0131ca ele al\u0131nmal\u0131d\u0131r. Zira baz\u0131 kararlarda ma\u011fdur ger\u00e7ek ki\u015fi iken baz\u0131 kararlarda da ma\u011fdurun banka oldu\u011funa kanaat getirilmi\u015ftir. Her halde bu su\u00e7 nedeniyle malvarl\u0131\u011f\u0131nda azalma olan ki\u015fi su\u00e7un ma\u011fdurudur.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unda G\u00f6revli ve Yetkili Mahkeme<\/strong><\/h2>\n<p style=\"text-align: justify;\">Bu su\u00e7un yarg\u0131lamas\u0131nda g\u00f6revli mahkeme Asliye Ceza Mahkemesidir. 30.11.2021 tarihli ve 31675 say\u0131l\u0131 Resmi\u00a0 Gazetede yer alan Hakimler Savc\u0131lar Kurulu karar\u0131 neticesinde belirlenen bili\u015fim ihtisas mahkemeleri, bu su\u00e7a ili\u015fkin dava ve i\u015fleri g\u00f6recektir. Bu kapsamda, 15.12.2021 tarihinden itibaren gelen yeni dava ve i\u015fler Bili\u015fim \u0130htisas Mahkemelerine tevzi edilecektir.<\/p>\n<p style=\"text-align: justify;\">Bili\u015fim mahkemeleri ile ilgili ayr\u0131nt\u0131l\u0131 bilgiye <a href=\"https:\/\/oner.av.tr\/bilisim-suclari-mahkemesi\/\">BURADAN<\/a> ula\u015fabilirsiniz.<\/p>\n<p style=\"text-align: justify;\">Yetkili mahkeme ise bili\u015fim sisteminin bulundu\u011fu yer mahkemesidir. \u00d6rnek verecek olursak hangi banka \u015fubesinden para \u00e7ekilmi\u015f ise o \u015fubenin bulundu\u011fu yer mahkemesi yetkilidir.<\/p>\n<p style=\"text-align: justify;\">Ba\u015fkas\u0131na ait banka veya kredi kart\u0131n\u0131n kullan\u0131larak haks\u0131z yarar sa\u011flanmas\u0131 su\u00e7unun i\u015flenmesi sonucunda yarar\u0131na haks\u0131z menfaat sa\u011flanan t\u00fczel ki\u015filer hakk\u0131nda ise g\u00fcvenlik tedbirine h\u00fckmolunacakt\u0131r.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unun Doland\u0131r\u0131c\u0131l\u0131k Su\u00e7u ile \u0130li\u015fkisi<\/strong><\/h2>\n<p style=\"text-align: justify;\">Bu su\u00e7lardan biri di\u011ferinin unsuru ya da nitelikli halini olu\u015fturmaz. Zira banka veya kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7unda yaln\u0131zca kart ele ge\u00e7irilmesi ya da elde bulundurulmas\u0131 yeteri de\u011fildir, ayr\u0131ca kart kullan\u0131larak haks\u0131z yarar elde edilmesi gerekir.<\/p>\n<p style=\"text-align: justify;\">Doland\u0131r\u0131c\u0131l\u0131k su\u00e7u i\u015flemeden de kart\u0131n ele ge\u00e7irilmesi ya da elde bulundurulmas\u0131 m\u00fcmk\u00fcnd\u00fcr. Dolay\u0131s\u0131yla, burada bu su\u00e7lar\u0131n cezalar\u0131 toplanmal\u0131d\u0131r. Fakat Yarg\u0131tay&#8217;\u0131n yaln\u0131zca banka veya kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7undan ceza verilmesi gerekir \u015feklinde ifade etti\u011fi kararlar da mevcuttur.<\/p>\n<p style=\"text-align: justify;\">\u00d6rnek olarak;<\/p>\n<ul style=\"text-align: justify;\">\n<li>Failin, internette yer alan sosyal a\u011flarla ileti\u015fime ge\u00e7ti\u011fi ma\u011fdura, kendisini ma\u011fdurun bir arkada\u015f\u0131 gibi tan\u0131tmas\u0131 ve bundan yararlanarak ma\u011fdurdan \u00f6nce banka hesap bilgilerini almas\u0131, failin elde etti\u011fi bu bilgilerle ma\u011fdurun hesab\u0131na girmesi ancak ma\u011fdurun hesab\u0131n\u0131n bo\u015f olmas\u0131 nedeniyle para transferi yapamamas\u0131 ve dolay\u0131s\u0131yla haks\u0131z yarar sa\u011flayamamas\u0131,<\/li>\n<li>Failin ayn\u0131 y\u00f6ntemle ayn\u0131 ma\u011fdurdan bu kez kredi kart\u0131 bilgilerini almas\u0131, bu defa da ma\u011fdurun kredi kart\u0131n\u0131n eksi bakiyede olmas\u0131 nedeniyle al\u0131\u015fveri\u015f yapamamas\u0131 eylemleri verilebilir.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Burada fail te\u015febb\u00fcs a\u015famas\u0131nda kalm\u0131\u015f her iki su\u00e7tan da ayr\u0131 ayr\u0131 cezaland\u0131r\u0131lmal\u0131d\u0131r. Yarg\u0131tay da benzer bir olayda her iki su\u00e7un da te\u015febb\u00fcs a\u015famas\u0131nda kald\u0131\u011f\u0131n\u0131 belirterek, yaln\u0131zca nitelikli doland\u0131r\u0131c\u0131l\u0131k su\u00e7unun olu\u015ftu\u011fu ilk derece mahkemesinin karar\u0131n\u0131 bozmu\u015ftur.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unda \u015eahsi Cezas\u0131zl\u0131k Halleri<\/strong><\/h2>\n<p style=\"text-align: justify;\">Kanunda su\u00e7 olarak tan\u0131mlanan bir eylemin i\u015flenmesine ra\u011fmen, baz\u0131 \u015fartlar\u0131n ger\u00e7ekle\u015fmesi durumunda \u00e7e\u015fitli nedenlerle faile ceza verilmez veya cezas\u0131nda indirim yap\u0131l\u0131r.<\/p>\n<p style=\"text-align: justify;\">Bu su\u00e7un \u015fu ki\u015filerin zarar\u0131na i\u015flenmesi halinde ilgili akraba hakk\u0131nda cezaya h\u00fckmolunmaz:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Hakk\u0131nda ayr\u0131l\u0131k karar\u0131 verilmemi\u015f e\u015flerden biri<\/li>\n<li>\u00dcstsoy veya altsoyunun veya bu derecede kay\u0131n h\u0131s\u0131mlar\u0131ndan biri veya evlat edinen veya evlatl\u0131k<\/li>\n<li>Ayn\u0131 konutta beraber ya\u015fayan karde\u015flerden biri<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unda <\/strong><strong>Etkin Pi\u015fmanl\u0131k<\/strong><\/h2>\n<p style=\"text-align: justify;\">H\u0131rs\u0131zl\u0131k, mala zarar verme, g\u00fcveni k\u00f6t\u00fcye kullanma, doland\u0131r\u0131c\u0131l\u0131k, hileli iflas, taksirli iflas ve kar\u015f\u0131l\u0131ks\u0131z yararlanma su\u00e7lar\u0131 tamamlan\u0131p kovu\u015fturma ba\u015flamadan \u00f6nce failin, bizzat pi\u015fmanl\u0131k g\u00f6stererek ma\u011fdurun u\u011frad\u0131\u011f\u0131 zarar\u0131 aynen geri verme veya tazmin suretiyle tamamen gidermesi hallerinde ge\u00e7erli olacakt\u0131r.<\/p>\n<p style=\"text-align: justify;\">Bu durumda faile verilecek cezan\u0131n \u00fc\u00e7te ikisine kadar\u0131 indirilir. E\u011fer kovu\u015fturma ba\u015flad\u0131ysa ve h\u00fck\u00fcm verilmediyse cezan\u0131n yar\u0131s\u0131na kadar\u0131 indirilir.<\/p>\n<p style=\"text-align: justify;\">Etkin pi\u015fmanl\u0131\u011f\u0131n uygulanabilmesi i\u00e7in, failin s\u00f6z konusu davran\u0131\u015flar\u0131 \u00f6zg\u00fcr iradesiyle ve bizzat kendisi yapmal\u0131d\u0131r. Ceza indiriminin oran\u0131n\u0131n belirlenmesinde hakimin takdir yetkisi vard\u0131r.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7unda <\/strong><strong>Zamana\u015f\u0131m\u0131<\/strong><\/h2>\n<p style=\"text-align: justify;\">Banka veya kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7u, \u015fikayete tabi su\u00e7lar aras\u0131nda yer almay\u0131p savc\u0131l\u0131k taraf\u0131ndan re&#8217;sen soru\u015fturulacak su\u00e7lar aras\u0131ndad\u0131r. Dolay\u0131s\u0131yla herhangi bir \u015fikayet s\u00fcresi yoktur.<\/p>\n<p style=\"text-align: justify;\">Bununla birlikte, dava zamana\u015f\u0131m\u0131 s\u00fcresi <em>su\u00e7un i\u015flendi\u011fi tarihten itibaren 8 y\u0131ld\u0131r.<\/em><\/p>\n<h2 style=\"text-align: justify;\"><strong>Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 \u015eikayet Dilek\u00e7esi<\/strong><\/h2>\n<p style=\"text-align: justify;\">Banka veya kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 \u015fikayet dilek\u00e7esine <a href=\"https:\/\/oner.av.tr\/banka-veya-kredi-kartlarinin-kotuye-kullanilmasi-sikayet-dilekcesi\/\">BURADAN<\/a> ula\u015fabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrk Ceza Kanunu\u2019nun 245. maddesinde, ba\u015fkas\u0131na ait ger\u00e7ek bir banka veya kredi kart\u0131n\u0131 elinde bulunduran kimsenin, kart sahibinin veya kart\u0131n kendisine verilmesi gereken ki\u015finin r\u0131zas\u0131 bulunmadan, o kart\u0131 kullanarak veya kulland\u0131rtarak kendisine veya ba\u015fkas\u0131na yarar sa\u011flamas\u0131\u00a0 eylemi d\u00fczenlenmi\u015ftir. Bu su\u00e7 tipiyle korunan hukuksal de\u011fer yaln\u0131zca malvarl\u0131\u011f\u0131 de\u011fil; bankac\u0131l\u0131k sistemi, ticari ya\u015fam, kamu g\u00fcveni, bili\u015fim alan\u0131 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4280,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[95],"tags":[],"class_list":["post-4275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bilisim"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.1 (Yoast SEO v23.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banka veya Kredi Kart\u0131 Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7u ve Cezas\u0131<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oner.av.tr\/en\/banka-veya-kredi-kartlarinin-kotuye-kullanilmasi-sucu-ve-cezasi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banka veya Kredi Kartlar\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7u ve Cezas\u0131\" \/>\n<meta property=\"og:description\" content=\"T\u00fcrk Ceza Kanunu\u2019nun 245. maddesinde, ba\u015fkas\u0131na ait ger\u00e7ek bir banka veya kredi kart\u0131n\u0131 elinde bulunduran kimsenin, kart sahibinin veya kart\u0131n kendisine verilmesi gereken ki\u015finin r\u0131zas\u0131 bulunmadan, o kart\u0131 kullanarak veya kulland\u0131rtarak kendisine veya ba\u015fkas\u0131na yarar sa\u011flamas\u0131\u00a0 eylemi d\u00fczenlenmi\u015ftir. Bu su\u00e7 tipiyle korunan hukuksal de\u011fer yaln\u0131zca malvarl\u0131\u011f\u0131 de\u011fil; bankac\u0131l\u0131k sistemi, ticari ya\u015fam, kamu g\u00fcveni, bili\u015fim alan\u0131 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oner.av.tr\/en\/banka-veya-kredi-kartlarinin-kotuye-kullanilmasi-sucu-ve-cezasi\/\" \/>\n<meta property=\"og:site_name\" content=\"Bak\u0131rk\u00f6y Lawyer and Law Office \u2013 \u00d6ner Law and Consultancy\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/onerhukukvedanismanlik\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-28T11:54:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/oner.av.tr\/en\/wp-content\/uploads\/2022\/04\/Arka-Plan-Site-8.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Av. 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