Due to the impact of tightening measures in the economy, the volume of loans has decreased. With credit channels narrowing, citizens have turned to loading their preferences onto cards. In 10 months, credit card shopping debts rose by 63%. As credit channels shrink, citizens are leaning towards credit cards. Due to the impact of tightening measures, consumer and commercial loans have shrunk in real terms. However, individual credit card debts continue to grow above inflation rates. According to Banking Regulation and Supervision Agency (BRSA) data, the sector’s loan volume decreased by 7.5% in 10 months. However, consumer debts arising from one-time credit card transactions grew by 63.6% in current terms. The annual growth rate reached 92%. When adjusted for inflation, real growth is 17.1%… As of October 25, the balance of individual credit card debts rose to 1.6 trillion liras. Whereas one-time transactions accounted for 1.1 trillion liras of this balance. Due to restrictions, installment purchases have decreased. The increasing use of cards parallel to inflation reveals that the use of credit cards among fixed-income citizens has increased.