The minimum payment represents the amount of money the client must pay when the due day comes, applied as 3% (1) of the used credit limit owed at the end of a transaction cycle (except future maturity rates) to which the Bank adds (2) 100% credit card costs, plus (3) 100% interests, plus (4) 100% sums resulted from exceeding the credit card limit, plus (5) 100% penalties, plus (6) 100% remaining debts, according to The List of Rates and Commissions for Credit Cards for Individuals displayed in any Garanti BBVA agency. In case you pay the minimum payment only, the Bank will charge interest for the entire period, starting with the purchase day up to the debt payment day. By issuing the minimum payment only, you cannot benefit from grace period. In case you don’t issue at least the minimum payment, the Bank will apply the penalizing interest. *available daily between 9:00 and 22:00. **Special Campaigns are Campaigns for a specific period in which installments and/or additional bonus are granted compared to the standard conditions in partner stores. For the updated list of campaigns click here.