{"id":286,"date":"2020-09-22T12:45:27","date_gmt":"2020-09-22T09:45:27","guid":{"rendered":"https:\/\/www.paytr.com\/blog\/?p=286"},"modified":"2025-04-28T12:28:00","modified_gmt":"2025-04-28T09:28:00","slug":"kredi-kartlarinin-tarihcesi","status":"publish","type":"post","link":"https:\/\/www.paytr.com\/en\/blog\/kredi-kartlarinin-tarihcesi","title":{"rendered":"\u0130lk kredi kart\u0131 ne zaman kullan\u0131ld\u0131? Kredi Kartlar\u0131n\u0131n Tarih\u00e7esi"},"content":{"rendered":"<p><strong>Kredi kartlar\u0131<\/strong> bir asr\u0131 a\u015fan bir s\u00fcredir hayatlar\u0131m\u0131zda ve insan medeniyetinin geli\u015fimiyle hem onlar\u0131 kullan\u0131m \u015feklimiz hem de onlarla ili\u015fkimiz de\u011fi\u015fti. 1880\u2019ler boyunca insanlar pahal\u0131 bir e\u015fya sat\u0131n almak i\u00e7in d\u00fczenli \u00f6demelerini biriktirmek zorundayd\u0131; g\u00fcn\u00fcm\u00fczdeyse tamamen nakitsiz bir ya\u015fam s\u00fcrmek m\u00fcmk\u00fcn. \u0130\u015fte bu m\u00fcthi\u015f d\u00f6n\u00fc\u015f\u00fcm\u00fcn tarihi ser\u00fcveni:<\/p>\n<h2 id=\"mo-3000\">M\u00d6 3000<\/h2>\n<ul>\n<li>Kredi, Asur, Babil ve M\u0131s\u0131r antik medeniyetlerinde kullan\u0131lmaya ba\u015fland\u0131.<\/li>\n<\/ul>\n<h2 id=\"1300ler\">1300\u2019ler<\/h2>\n<ul>\n<li>Banknotlar\u0131n atas\u0131 kabul edilen takas senetleri standart ticaret arac\u0131 haline geldi.<\/li>\n<\/ul>\n<h2 id=\"1600ler\">1600\u2019ler<\/h2>\n<ul>\n<li>K\u00e2\u011f\u0131t para dola\u015f\u0131ma girdi.<\/li>\n<\/ul>\n<h2 id=\"1730\">1730<\/h2>\n<ul>\n<li>Christopher Thornton isimli t\u00fcccar\u0131n haftal\u0131k \u00f6demelerle mobilya sat\u0131\u015f\u0131 i\u00e7in verdi\u011fi reklam, <strong>bilinen ilk kredi reklam\u0131<\/strong> olarak kabul ediliyor.<\/li>\n<\/ul>\n<h2 id=\"1800ler\">1800\u2019ler<\/h2>\n<ul>\n<li>T\u00fcccarlar ve finansal hizmet sa\u011flay\u0131c\u0131lar\u0131 tar\u0131m malzemeleri ve dayan\u0131kl\u0131 t\u00fcketim mallar\u0131 i\u00e7in taksitli \u00f6deme sistemi \u015feklinde krediler sa\u011flamaya ba\u015flad\u0131.<\/li>\n<\/ul>\n<h2 id=\"1887\">1887<\/h2>\n<ul>\n<li>Sosyalist yazar Edward Bellamy, bir \u00fctopya kurgusu olan \u201cLooking Backward\u201d isimli roman\u0131nda <strong>ilk kez \u201ckredi kart\u0131\u201d terimini ortaya att\u0131 ve \u00f6deme y\u00f6ntemini kavramla\u015ft\u0131rd\u0131<\/strong>.<\/li>\n<\/ul>\n<h2 id=\"1900lerin-basi\">1900\u2019lerin Ba\u015f\u0131<\/h2>\n<ul>\n<li>B\u00fcy\u00fck oteller ve perakende ma\u011fazalar, \u00f6nemli m\u00fc\u015fteriler i\u00e7in ka\u011f\u0131t kartlar basmaya ba\u015flad\u0131.<\/li>\n<\/ul>\n<h2 id=\"1910lar\">1910\u2019lar<\/h2>\n<ul>\n<li>Otomobil \u00fcreticisi Ford finans \u015firketleriyle i\u015fbirli\u011fine giderek, ABD\u2019de ayl\u0131k taksitlere Model T satmaya ba\u015flad\u0131.<\/li>\n<\/ul>\n<h2 id=\"1914\">1914<\/h2>\n<ul>\n<li>Western Union, m\u00fc\u015fterilerin harcamalar\u0131nda kullanabilece\u011fi <strong>ilk plastik kartlar\u0131 kullan\u0131ma soktu<\/strong>. Daha g\u00f6zde m\u00fc\u015fterilere ise faizsiz i\u015flem yapma \u015fans\u0131 tan\u0131yan metal kartlar verildi.<\/li>\n<\/ul>\n<h2 id=\"1920ler\">1920\u2019ler<\/h2>\n<ul>\n<li>Benzin istasyonlar\u0131nda nakit \u00f6demenin yan\u0131 s\u0131ra kartl\u0131 \u00f6demeler de kabul edilmeye ba\u015fland\u0131.<\/li>\n<\/ul>\n<h2 id=\"1930lar\">1930\u2019lar<\/h2>\n<ul>\n<li>M\u00fc\u015fteriler ma\u011fazalardan ald\u0131klar\u0131 kartlar\u0131 di\u011fer i\u015fletmelerde de kullanmaya ba\u015flad\u0131.<\/li>\n<\/ul>\n<h2 id=\"1946\">1946<\/h2>\n<ul>\n<li>John Biggins taraf\u0131ndan geli\u015ftirilen <strong>ilk banka kart\u0131<\/strong>, Charge-It ismiyle Flatbush Ulusal Bankas\u0131 taraf\u0131ndan kullan\u0131ma sunuldu.<\/li>\n<\/ul>\n<h2 id=\"1949\">1949<\/h2>\n<ul>\n<li>Diners Club, seyahat ve e\u011flence i\u00e7in kullan\u0131labilen <strong>ilk kredi kart\u0131n\u0131 geli\u015ftirdi<\/strong>. Bu kart\u0131 kabul eden t\u00fcccarlar, her \u00f6demeden y\u00fczde 7 komisyon \u00f6demek zorundayd\u0131.<\/li>\n<\/ul>\n<h2 id=\"1950ler\">1950\u2019ler<\/h2>\n<ul>\n<li>Bu tarih, kredi kartlar\u0131n\u0131n g\u00fcn\u00fcm\u00fczdeki kullan\u0131m \u015fekline d\u00f6n\u00fc\u015fmesinin \u00f6n\u00fcn\u00fc a\u00e7an olaylara ev sahipli\u011fi yapt\u0131. Bir\u00e7ok \u015firket, di\u011ferleri taraf\u0131ndan bas\u0131lan kredi kartlar\u0131n\u0131 bir \u00f6deme arac\u0131 olarak kabul etmeye ba\u015flad\u0131.<\/li>\n<\/ul>\n<h2 id=\"1956\">1956<\/h2>\n<ul>\n<li><strong>Kredi skoru \u00f6l\u00e7\u00fcm \u015firketi<\/strong> FICO (Fair, Isaac and Company), ABD\u2019nin Kaliforniya eyaletinde matematik\u00e7i Earl Isaac ve m\u00fchendis Bill Fair taraf\u0131ndan kuruldu.<\/li>\n<\/ul>\n<h2 id=\"1958\">1958<\/h2>\n<ul>\n<li><strong>D\u00f6ner kredili ilk kredi kart\u0131<\/strong>, Bank America taraf\u0131ndan \u201cBankAmericard\u201d ismiyle kullan\u0131ma sunuldu. ABD federal bankac\u0131l\u0131k d\u00fczenlemeleri, bu kart\u0131n Kaliforniya eyaleti d\u0131\u015f\u0131nda kullan\u0131m\u0131n\u0131 engelledi.<\/li>\n<\/ul>\n<h2 id=\"1960larin-basi\">1960\u2019lar\u0131n Ba\u015f\u0131<\/h2>\n<ul>\n<li>\u00d6deme kartlar\u0131nda <strong>ilk manyetik \u015ferit<\/strong> London Trafik M\u00fcd\u00fcrl\u00fc\u011f\u00fc taraf\u0131ndan kullan\u0131ld\u0131.<\/li>\n<\/ul>\n<h2 id=\"1966\">1966<\/h2>\n<ul>\n<li>Daha sonradan <strong>VISA<\/strong>\u2019ya d\u00f6n\u00fc\u015fecek olan BOA, ilk \u00e7ok ama\u00e7l\u0131 kredi kart\u0131n\u0131 \u00e7\u0131kard\u0131.<\/li>\n<\/ul>\n<h2 id=\"1967\">1967<\/h2>\n<ul>\n<li>VISA ile rekabet etmek isteyen 4 bankan\u0131n ortak giri\u015fimi Master Charge kuruldu, daha sonra <strong>Master Card<\/strong> ismini ad\u0131.<\/li>\n<\/ul>\n<h2 id=\"1970\">1970<\/h2>\n<ul>\n<li>T\u00fcccarlar ve i\u015fletmeler, VISA ve Master Card aras\u0131nda tercih yapmaktan kurtuldu; her iki sa\u011flay\u0131c\u0131n\u0131n da kartlar\u0131yla \u00f6deme kabul etmeye ba\u015flad\u0131.<\/li>\n<\/ul>\n<h2 id=\"1980lerin-basi\">1980\u2019lerin Ba\u015f\u0131<\/h2>\n<ul>\n<li><strong>Kredi kartlar\u0131 t\u00fcketiciler aras\u0131nda pop\u00fcler oldu<\/strong> ve yayg\u0131n bir \u00f6deme arac\u0131 olarak kullan\u0131lmaya ba\u015fland\u0131.<\/li>\n<\/ul>\n<h2 id=\"1990larin-basi\">1990\u2019lar\u0131n Ba\u015f\u0131<\/h2>\n<ul>\n<li>\u00d6d\u00fcl ve indirimli hizmet kazand\u0131ran kredi kartlar\u0131 pop\u00fcler oldu.<\/li>\n<\/ul>\n<h2 id=\"1998\">1998<\/h2>\n<ul>\n<li>\u0130nternet \u00fczerinden \u00f6deme almay\u0131 ve para transferi ger\u00e7ekle\u015ftirmeyi m\u00fcmk\u00fcn k\u0131lan PayPal kuruldu.<\/li>\n<\/ul>\n<h2 id=\"2000ler\">2000\u2019ler<\/h2>\n<ul>\n<li>\u00d6d\u00fcl, ba\u011f\u0131\u015f, akaryak\u0131t gibi alanlara odaklanan dar ama\u00e7l\u0131 kartlar yayg\u0131nla\u015ft\u0131.<\/li>\n<\/ul>\n<h2 id=\"gunumuz\">G\u00fcn\u00fcm\u00fcz<\/h2>\n<p>Art\u0131k cebinde mobil cihaz ta\u015f\u0131yanlar\u0131n say\u0131s\u0131, nakit para ta\u015f\u0131yanlar\u0131 ge\u00e7ecek seviyede. <strong>Sanal kart ve temass\u0131z \u00f6deme<\/strong> gibi konular iyice yayg\u0131nla\u015ft\u0131. Mobil devrimin ard\u0131ndan bir\u00e7ok \u015firket, bu cihazlar\u0131 nitelikli \u00f6deme ara\u00e7lar\u0131na d\u00f6n\u00fc\u015ft\u00fcrecek teknolojiler geli\u015ftirmeye ba\u015flad\u0131. Art\u0131k ak\u0131ll\u0131 telefonlar aparatlar arac\u0131l\u0131\u011f\u0131yla POS cihazlar\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclebiliyor, <a href=\"https:\/\/www.paytr.com\/neopos\">t\u00fcketiciler ise yak\u0131n alan ileti\u015fimi (NFC)<\/a> sayesinde telefonlar\u0131n\u0131 mobil c\u00fczdan olarak temass\u0131z \u00f6demelerde kullanabiliyor. Kart limiti kart kullan\u0131m\u0131na ba\u011fl\u0131 olarak de\u011fi\u015fmekle birlikte limitsiz kartlar da mevcut. Banka kart\u0131 ve <a href=\"https:\/\/www.paytr.com\/blog\/kredi-karti-ile-guvenli-odeme\">kredi kartlar\u0131<\/a> art\u0131k herkesin olmazsa olmaz\u0131.<\/p>\n<p style=\"text-align: center;\"><strong>2 Saatte PayTR&#8217;l\u0131 Olun!<\/strong><br \/>\n<a href=\"https:\/\/www.paytr.com\/uye-isyeri-olun\">PayTR Sanal Pos&#8217;a Hemen Ba\u015fvurun<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredi kartlar\u0131 bir asr\u0131 a\u015fan bir s\u00fcredir hayatlar\u0131m\u0131zda ve insan medeniyetinin geli\u015fimiyle hem onlar\u0131 kullan\u0131m \u015feklimiz hem de onlarla ili\u015fkimiz de\u011fi\u015fti. 1880\u2019ler boyunca insanlar pahal\u0131 bir e\u015fya sat\u0131n almak i\u00e7in d\u00fczenli \u00f6demelerini biriktirmek zorundayd\u0131; g\u00fcn\u00fcm\u00fczdeyse tamamen nakitsiz bir ya\u015fam s\u00fcrmek m\u00fcmk\u00fcn. \u0130\u015fte bu m\u00fcthi\u015f d\u00f6n\u00fc\u015f\u00fcm\u00fcn tarihi ser\u00fcveni: M\u00d6 3000 Kredi, Asur, Babil ve M\u0131s\u0131r antik [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4668,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-ticaret"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.3.1 (Yoast SEO v25.3.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0130lk kredi kart\u0131 ne zaman kullan\u0131ld\u0131? Kredi Kartlar\u0131n\u0131n Tarih\u00e7esi | PayTR<\/title>\n<meta name=\"description\" content=\"Hayat\u0131m\u0131z\u0131n vazge\u00e7ilmezi olan kredi kartlar\u0131 bir asr\u0131 a\u015fan s\u00fcredir medeniyetin geli\u015fimi ile farkl\u0131 boyutlar kazand\u0131. Kredi kart\u0131 tarih\u00e7esini birlikte inceleyelim!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paytr.com\/en\/blog\/kredi-kartlarinin-tarihcesi\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0130lk kredi kart\u0131 ne zaman kullan\u0131ld\u0131? 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