Abstract:

Consumer credit contracts and credit card contracts have introduced important provisions in the Law No. 6502 on Consumer Protection and the Law on Bank Cards and Credit Cards to protect the consumer in terms of personal guarantees. Personal guarantees in consumer loans and credit cards are a guarantee that the contracting parties do not comply with their actions. Consumer credit agreement and personal guarantee paid to the debt of the consumer in the credit card agreement is considered "ad defilation" and the personal guarantee given in relation to the consumer's receipts is considered "communal defilation". Therefore, the legal consequences of adjuvable misfortune and mutual misfortune are explained in our work. Furthermore, the opinions in the doctrine on what these personal guarantees may be in the case of a different kind of agreement on consumer credit and credit card contracts and whether they need to bear the validity conditions of default and the approach to personal guarantees in the current judgments of the Court have been studied in our study.

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