From 121fbdba9d34f8c6bb2faf99ab54ac18eb36ff88 Mon Sep 17 00:00:00 2001
From: kovakmedya <egecankomur@gmail.com>
Date: Thu, 30 Apr 2026 07:36:31 +0300
Subject: [PATCH] feat(banking C): credit cards + monthly statements
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

Final banking step. User-managed: each month, paste your bank statement
totals into the form. We don't auto-compute interest — bank's number is
authoritative.

Schema:
- credit_cards: bankName, cardName, last4, creditLimit, statementDay,
  dueDay, interestRate (monthly nominal %), bankAccountId (optional FK,
  payments expense from this account), archived, notes.
- credit_card_statements: cardId, period (YYYY-MM), statementDate,
  dueDate, totalDebt, minimumPayment, paidAmount, status
  (pending/partial/paid/overdue), financeEntryId (link to last payment).
- Indexes on (tenantId, archived) for cards and (tenantId, cardId) +
  (tenantId, status, dueDate) for statements.

Server (lib/appwrite/credit-card-actions.ts):
- create/update/archive(toggle)/delete for cards. Card delete cascades
  through statements + their finance_entries.
- createStatementAction: computes status from dueDate + paidAmount.
- payStatementAction: partial-payment friendly. Creates a single
  finance_entry expense for the pay amount, capped at remaining balance,
  bankAccountId carried from the card. Recomputes status: paid (full),
  partial (some + pre-due), overdue (past due with anything < total).
- deleteStatementAction: removes linked finance_entry too.
- All audit-logged.

UI (/finance/cards):
- 3 stat cards: aktif kart sayısı, bekleyen toplam, vadesi geçmiş ekstre.
- Per-card panel: bank/name/last4, limit + statement/due day + monthly
  interest, current outstanding. Statement table inside card with status
  badges, Öde button (opens partial-payment dialog), delete button.
- CardFormSheet for card CRUD, StatementFormSheet for statement creation
  with default period/dates derived from card's statementDay/dueDay.

Sidebar Finans submenu now functional: Banka hesapları → /finance/banks,
Krediler → /finance/loans, Kredi kartları → /finance/cards.
---
 .../cards/components/card-form-sheet.tsx      | 225 ++++++++
 .../finance/cards/components/cards-client.tsx | 522 ++++++++++++++++++
 .../cards/components/statement-form-sheet.tsx | 197 +++++++
 .../finance/cards/components/types.ts         |  43 ++
 src/app/(dashboard)/finance/cards/page.tsx    |  80 +++
 src/lib/appwrite/credit-card-actions.ts       | 489 ++++++++++++++++
 src/lib/appwrite/credit-card-queries.ts       |  49 ++
 src/lib/appwrite/credit-card-types.ts         |   7 +
 src/lib/appwrite/schema.ts                    |  34 ++
 src/lib/validation/credit-cards.ts            |  73 +++
 10 files changed, 1719 insertions(+)
 create mode 100644 src/app/(dashboard)/finance/cards/components/card-form-sheet.tsx
 create mode 100644 src/app/(dashboard)/finance/cards/components/cards-client.tsx
 create mode 100644 src/app/(dashboard)/finance/cards/components/statement-form-sheet.tsx
 create mode 100644 src/app/(dashboard)/finance/cards/components/types.ts
 create mode 100644 src/app/(dashboard)/finance/cards/page.tsx
 create mode 100644 src/lib/appwrite/credit-card-actions.ts
 create mode 100644 src/lib/appwrite/credit-card-queries.ts
 create mode 100644 src/lib/appwrite/credit-card-types.ts
 create mode 100644 src/lib/validation/credit-cards.ts

diff --git a/src/app/(dashboard)/finance/cards/components/card-form-sheet.tsx b/src/app/(dashboard)/finance/cards/components/card-form-sheet.tsx
new file mode 100644
index 0000000..7b52839
--- /dev/null
+++ b/src/app/(dashboard)/finance/cards/components/card-form-sheet.tsx
@@ -0,0 +1,225 @@
+"use client";
+
+import { useActionState, useEffect } from "react";
+import { Loader2, Save } from "lucide-react";
+import { toast } from "sonner";
+
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import {
+  Sheet,
+  SheetContent,
+  SheetDescription,
+  SheetFooter,
+  SheetHeader,
+  SheetTitle,
+} from "@/components/ui/sheet";
+import { Textarea } from "@/components/ui/textarea";
+import {
+  createCreditCardAction,
+  updateCreditCardAction,
+} from "@/lib/appwrite/credit-card-actions";
+import { initialCreditCardState } from "@/lib/appwrite/credit-card-types";
+
+import type { BankAccountOption, CreditCardRow } from "./types";
+
+const NONE = "__none__";
+
+export function CardFormSheet({
+  open,
+  onOpenChange,
+  card,
+  bankAccounts,
+}: {
+  open: boolean;
+  onOpenChange: (v: boolean) => void;
+  card?: CreditCardRow | null;
+  bankAccounts: BankAccountOption[];
+}) {
+  const isEdit = Boolean(card);
+  const action = isEdit ? updateCreditCardAction : createCreditCardAction;
+  const [state, formAction, isPending] = useActionState(action, initialCreditCardState);
+
+  useEffect(() => {
+    if (state.ok) {
+      toast.success(isEdit ? "Kart güncellendi." : "Kart eklendi.");
+      onOpenChange(false);
+    } else if (state.error) {
+      toast.error(state.error);
+    }
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [state]);
+
+  return (
+    <Sheet open={open} onOpenChange={onOpenChange}>
+      <SheetContent className="flex w-full flex-col gap-0 p-0 sm:max-w-xl">
+        <SheetHeader className="border-b px-6 py-4">
+          <SheetTitle>{isEdit ? "Kartı düzenle" : "Yeni kredi kartı"}</SheetTitle>
+          <SheetDescription>
+            Hesap kesim ve son ödeme günleri her ay otomatik kullanılır. Ekstreler kart başına manuel girilir.
+          </SheetDescription>
+        </SheetHeader>
+
+        <form
+          action={(fd) => {
+            if (fd.get("bankAccountId") === NONE) fd.set("bankAccountId", "");
+            formAction(fd);
+          }}
+          className="flex flex-1 flex-col"
+        >
+          {isEdit && card && <input type="hidden" name="id" value={card.id} />}
+
+          <div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
+            <div className="grid gap-4 md:grid-cols-2">
+              <div className="grid gap-2">
+                <Label htmlFor="bankName">Banka *</Label>
+                <Input
+                  id="bankName"
+                  name="bankName"
+                  defaultValue={card?.bankName ?? ""}
+                  required
+                  placeholder="Garanti BBVA"
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="cardName">Kart adı *</Label>
+                <Input
+                  id="cardName"
+                  name="cardName"
+                  defaultValue={card?.cardName ?? ""}
+                  required
+                  placeholder="Bonus / Maximum / World"
+                />
+              </div>
+            </div>
+
+            <div className="grid gap-4 md:grid-cols-2">
+              <div className="grid gap-2">
+                <Label htmlFor="last4">Son 4 hane</Label>
+                <Input
+                  id="last4"
+                  name="last4"
+                  defaultValue={card?.last4 ?? ""}
+                  maxLength={4}
+                  inputMode="numeric"
+                  placeholder="1234"
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="creditLimit">Kredi limiti (₺)</Label>
+                <Input
+                  id="creditLimit"
+                  name="creditLimit"
+                  type="number"
+                  step="0.01"
+                  min="0"
+                  defaultValue={card?.creditLimit ?? 0}
+                />
+              </div>
+            </div>
+
+            <div className="grid gap-4 md:grid-cols-3">
+              <div className="grid gap-2">
+                <Label htmlFor="statementDay">Hesap kesim günü</Label>
+                <Input
+                  id="statementDay"
+                  name="statementDay"
+                  type="number"
+                  min="1"
+                  max="28"
+                  defaultValue={card?.statementDay ?? 1}
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="dueDay">Son ödeme günü</Label>
+                <Input
+                  id="dueDay"
+                  name="dueDay"
+                  type="number"
+                  min="1"
+                  max="28"
+                  defaultValue={card?.dueDay ?? 10}
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="interestRate">Aylık faiz %</Label>
+                <Input
+                  id="interestRate"
+                  name="interestRate"
+                  type="number"
+                  step="0.01"
+                  min="0"
+                  defaultValue={card?.interestRate ?? 4.25}
+                />
+              </div>
+            </div>
+
+            <div className="grid gap-2">
+              <Label htmlFor="bankAccountId">Bağlı hesap</Label>
+              <Select
+                name="bankAccountId"
+                defaultValue={card?.bankAccountId || NONE}
+                disabled={bankAccounts.length === 0}
+              >
+                <SelectTrigger id="bankAccountId">
+                  <SelectValue placeholder={bankAccounts.length === 0 ? "Önce hesap ekleyin" : "Yok"} />
+                </SelectTrigger>
+                <SelectContent>
+                  <SelectItem value={NONE}>Yok</SelectItem>
+                  {bankAccounts.map((b) => (
+                    <SelectItem key={b.id} value={b.id}>
+                      {b.label}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+              <p className="text-muted-foreground text-xs">
+                Ekstre ödemeleri seçilen hesaba expense olarak yazılır.
+              </p>
+            </div>
+
+            <div className="grid gap-2">
+              <Label htmlFor="notes">Notlar</Label>
+              <Textarea
+                id="notes"
+                name="notes"
+                rows={3}
+                defaultValue={card?.notes ?? ""}
+                placeholder="Sadakat puanı, kampanya, vb."
+              />
+            </div>
+          </div>
+
+          <SheetFooter className="border-t bg-muted/30 px-6 py-4">
+            <div className="flex w-full justify-end gap-2">
+              <Button type="button" variant="outline" onClick={() => onOpenChange(false)} disabled={isPending}>
+                Vazgeç
+              </Button>
+              <Button type="submit" disabled={isPending}>
+                {isPending ? (
+                  <>
+                    <Loader2 className="size-4 animate-spin" />
+                    Kaydediliyor...
+                  </>
+                ) : (
+                  <>
+                    <Save className="size-4" />
+                    {isEdit ? "Güncelle" : "Kaydet"}
+                  </>
+                )}
+              </Button>
+            </div>
+          </SheetFooter>
+        </form>
+      </SheetContent>
+    </Sheet>
+  );
+}
diff --git a/src/app/(dashboard)/finance/cards/components/cards-client.tsx b/src/app/(dashboard)/finance/cards/components/cards-client.tsx
new file mode 100644
index 0000000..b8bf653
--- /dev/null
+++ b/src/app/(dashboard)/finance/cards/components/cards-client.tsx
@@ -0,0 +1,522 @@
+"use client";
+
+import { useState, useTransition } from "react";
+import {
+  Archive,
+  ArchiveRestore,
+  Check,
+  CreditCard as CreditCardIcon,
+  Loader2,
+  MoreHorizontal,
+  Pencil,
+  Plus,
+  Trash2,
+} from "lucide-react";
+import { toast } from "sonner";
+
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent } from "@/components/ui/card";
+import {
+  Dialog,
+  DialogContent,
+  DialogDescription,
+  DialogFooter,
+  DialogHeader,
+  DialogTitle,
+} from "@/components/ui/dialog";
+import {
+  DropdownMenu,
+  DropdownMenuContent,
+  DropdownMenuItem,
+  DropdownMenuSeparator,
+  DropdownMenuTrigger,
+} from "@/components/ui/dropdown-menu";
+import { Input } from "@/components/ui/input";
+import {
+  Table,
+  TableBody,
+  TableCell,
+  TableHead,
+  TableHeader,
+  TableRow,
+} from "@/components/ui/table";
+import {
+  archiveCreditCardAction,
+  deleteCreditCardAction,
+  deleteStatementAction,
+  payStatementAction,
+} from "@/lib/appwrite/credit-card-actions";
+import { formatDate, formatTRY } from "@/lib/format";
+import { cn } from "@/lib/utils";
+
+import { CardFormSheet } from "./card-form-sheet";
+import { StatementFormSheet } from "./statement-form-sheet";
+import {
+  type BankAccountOption,
+  type CreditCardRow,
+  STATEMENT_STATUS_COLOR,
+  STATEMENT_STATUS_LABEL,
+  type StatementRow,
+} from "./types";
+
+type Props = {
+  cards: CreditCardRow[];
+  statements: StatementRow[];
+  bankAccounts: BankAccountOption[];
+};
+
+export function CardsClient({ cards, statements, bankAccounts }: Props) {
+  const [cardFormOpen, setCardFormOpen] = useState(false);
+  const [editingCard, setEditingCard] = useState<CreditCardRow | null>(null);
+  const [deletingCard, setDeletingCard] = useState<CreditCardRow | null>(null);
+  const [stmtFormOpen, setStmtFormOpen] = useState(false);
+  const [stmtCard, setStmtCard] = useState<CreditCardRow | null>(null);
+  const [payDialog, setPayDialog] = useState<StatementRow | null>(null);
+  const [payAmount, setPayAmount] = useState("");
+  const [deletingStmt, setDeletingStmt] = useState<StatementRow | null>(null);
+  const [busy, startTransition] = useTransition();
+
+  const active = cards.filter((c) => !c.archived);
+  const archived = cards.filter((c) => c.archived);
+
+  const stmtsByCard = new Map<string, StatementRow[]>();
+  for (const s of statements) {
+    const arr = stmtsByCard.get(s.cardId) ?? [];
+    arr.push(s);
+    stmtsByCard.set(s.cardId, arr);
+  }
+
+  const totalOutstanding = statements
+    .filter((s) => s.status !== "paid")
+    .reduce((sum, s) => sum + (s.totalDebt - s.paidAmount), 0);
+
+  const overdueCount = statements.filter((s) => s.status === "overdue").length;
+
+  const toggleArchive = (c: CreditCardRow) => {
+    startTransition(async () => {
+      const fd = new FormData();
+      fd.set("id", c.id);
+      const r = await archiveCreditCardAction(fd);
+      if (r.ok) toast.success(c.archived ? "Kart geri açıldı." : "Kart arşivlendi.");
+      else toast.error(r.error ?? "İşlem başarısız.");
+    });
+  };
+
+  const handleDeleteCard = () => {
+    if (!deletingCard) return;
+    startTransition(async () => {
+      const fd = new FormData();
+      fd.set("id", deletingCard.id);
+      const r = await deleteCreditCardAction(fd);
+      if (r.ok) {
+        toast.success("Kart silindi.");
+        setDeletingCard(null);
+      } else {
+        toast.error(r.error ?? "Silme başarısız.");
+      }
+    });
+  };
+
+  const handlePay = () => {
+    if (!payDialog) return;
+    startTransition(async () => {
+      const fd = new FormData();
+      fd.set("id", payDialog.id);
+      if (payAmount.trim()) fd.set("amount", payAmount);
+      const r = await payStatementAction(fd);
+      if (r.ok) {
+        toast.success("Ödeme kaydedildi.");
+        setPayDialog(null);
+        setPayAmount("");
+      } else {
+        toast.error(r.error ?? "Ödeme başarısız.");
+      }
+    });
+  };
+
+  const handleDeleteStmt = () => {
+    if (!deletingStmt) return;
+    startTransition(async () => {
+      const fd = new FormData();
+      fd.set("id", deletingStmt.id);
+      const r = await deleteStatementAction(fd);
+      if (r.ok) {
+        toast.success("Ekstre silindi.");
+        setDeletingStmt(null);
+      } else {
+        toast.error(r.error ?? "Silme başarısız.");
+      }
+    });
+  };
+
+  return (
+    <div className="space-y-6">
+      <div className="grid gap-3 md:grid-cols-3">
+        <Card>
+          <CardContent className="p-4">
+            <p className="text-muted-foreground text-xs">Aktif kart</p>
+            <p className="mt-1 text-2xl font-semibold">{active.length}</p>
+          </CardContent>
+        </Card>
+        <Card>
+          <CardContent className="p-4">
+            <p className="text-muted-foreground text-xs">Bekleyen toplam borç</p>
+            <p className="mt-1 text-2xl font-semibold tabular-nums text-amber-600 dark:text-amber-400">
+              {formatTRY(totalOutstanding)}
+            </p>
+          </CardContent>
+        </Card>
+        <Card>
+          <CardContent className="p-4">
+            <p className="text-muted-foreground text-xs">Vadesi geçmiş ekstre</p>
+            <p
+              className={cn(
+                "mt-1 text-2xl font-semibold",
+                overdueCount > 0 && "text-red-600 dark:text-red-400",
+              )}
+            >
+              {overdueCount}
+            </p>
+          </CardContent>
+        </Card>
+      </div>
+
+      <div className="flex justify-end gap-2">
+        <Button
+          variant="outline"
+          onClick={() => {
+            setStmtCard(null);
+            setStmtFormOpen(true);
+          }}
+          disabled={cards.length === 0}
+        >
+          <Plus className="size-4" />
+          Yeni ekstre
+        </Button>
+        <Button
+          onClick={() => {
+            setEditingCard(null);
+            setCardFormOpen(true);
+          }}
+        >
+          <Plus className="size-4" />
+          Yeni kart
+        </Button>
+      </div>
+
+      {cards.length === 0 ? (
+        <Card>
+          <CardContent className="flex flex-col items-center gap-2 py-12 text-center">
+            <CreditCardIcon className="text-muted-foreground size-8" />
+            <p className="text-sm">Henüz kredi kartı eklenmemiş.</p>
+            <Button variant="outline" size="sm" onClick={() => setCardFormOpen(true)}>
+              <Plus className="size-3.5" />
+              İlk kartı ekle
+            </Button>
+          </CardContent>
+        </Card>
+      ) : (
+        <div className="space-y-4">
+          {active.map((c) => {
+            const items = stmtsByCard.get(c.id) ?? [];
+            const totalDebt = items
+              .filter((s) => s.status !== "paid")
+              .reduce((sum, s) => sum + (s.totalDebt - s.paidAmount), 0);
+            return (
+              <Card key={c.id}>
+                <CardContent className="space-y-3 p-4">
+                  <div className="flex flex-wrap items-start justify-between gap-3">
+                    <div className="min-w-0 flex-1">
+                      <div className="flex flex-wrap items-center gap-2">
+                        <CreditCardIcon className="text-muted-foreground size-4" />
+                        <h3 className="font-semibold">{c.bankName}</h3>
+                        <span className="text-muted-foreground">·</span>
+                        <span>{c.cardName}</span>
+                        {c.last4 && (
+                          <span className="text-muted-foreground font-mono text-xs">
+                            **{c.last4}
+                          </span>
+                        )}
+                      </div>
+                      <div className="text-muted-foreground mt-1 flex flex-wrap gap-x-3 text-xs">
+                        <span>Limit {formatTRY(c.creditLimit)}</span>
+                        <span>Kesim: ayın {c.statementDay}'i</span>
+                        <span>Vade: ayın {c.dueDay}'i</span>
+                        <span>Aylık faiz: %{c.interestRate}</span>
+                      </div>
+                      {c.bankAccountLabel && (
+                        <p className="text-muted-foreground mt-1 text-xs">
+                          Hesap: {c.bankAccountLabel}
+                        </p>
+                      )}
+                    </div>
+                    <div className="flex items-center gap-2">
+                      <div className="text-right">
+                        <p className="text-muted-foreground text-xs">Bekleyen</p>
+                        <p className="font-semibold tabular-nums">{formatTRY(totalDebt)}</p>
+                      </div>
+                      <DropdownMenu>
+                        <DropdownMenuTrigger asChild>
+                          <Button variant="ghost" size="icon" className="size-8" disabled={busy}>
+                            <MoreHorizontal className="size-4" />
+                          </Button>
+                        </DropdownMenuTrigger>
+                        <DropdownMenuContent align="end">
+                          <DropdownMenuItem
+                            onClick={() => {
+                              setStmtCard(c);
+                              setStmtFormOpen(true);
+                            }}
+                          >
+                            <Plus className="size-3.5" />
+                            Ekstre ekle
+                          </DropdownMenuItem>
+                          <DropdownMenuSeparator />
+                          <DropdownMenuItem
+                            onClick={() => {
+                              setEditingCard(c);
+                              setCardFormOpen(true);
+                            }}
+                          >
+                            <Pencil className="size-3.5" />
+                            Düzenle
+                          </DropdownMenuItem>
+                          <DropdownMenuItem onClick={() => toggleArchive(c)}>
+                            <Archive className="size-3.5" />
+                            Arşivle
+                          </DropdownMenuItem>
+                          <DropdownMenuSeparator />
+                          <DropdownMenuItem
+                            variant="destructive"
+                            onClick={() => setDeletingCard(c)}
+                          >
+                            <Trash2 className="size-3.5" />
+                            Sil
+                          </DropdownMenuItem>
+                        </DropdownMenuContent>
+                      </DropdownMenu>
+                    </div>
+                  </div>
+
+                  {items.length > 0 && (
+                    <div className="border-t pt-3">
+                      <Table>
+                        <TableHeader>
+                          <TableRow>
+                            <TableHead>Dönem</TableHead>
+                            <TableHead>Son ödeme</TableHead>
+                            <TableHead className="text-right">Toplam</TableHead>
+                            <TableHead className="text-right">Asgari</TableHead>
+                            <TableHead className="text-right">Ödenen</TableHead>
+                            <TableHead>Durum</TableHead>
+                            <TableHead className="text-right">İşlem</TableHead>
+                          </TableRow>
+                        </TableHeader>
+                        <TableBody>
+                          {items.map((s) => {
+                            const remaining = s.totalDebt - s.paidAmount;
+                            return (
+                              <TableRow key={s.id}>
+                                <TableCell className="font-mono text-sm">{s.period}</TableCell>
+                                <TableCell className="text-muted-foreground text-sm">
+                                  {formatDate(s.dueDate)}
+                                </TableCell>
+                                <TableCell className="text-right tabular-nums">
+                                  {formatTRY(s.totalDebt)}
+                                </TableCell>
+                                <TableCell className="text-right tabular-nums">
+                                  {formatTRY(s.minimumPayment)}
+                                </TableCell>
+                                <TableCell className="text-right tabular-nums">
+                                  {formatTRY(s.paidAmount)}
+                                </TableCell>
+                                <TableCell>
+                                  <Badge
+                                    variant="outline"
+                                    className={cn("border-0", STATEMENT_STATUS_COLOR[s.status])}
+                                  >
+                                    {STATEMENT_STATUS_LABEL[s.status]}
+                                  </Badge>
+                                </TableCell>
+                                <TableCell className="text-right">
+                                  <div className="flex justify-end gap-1">
+                                    {remaining > 0 && (
+                                      <Button
+                                        variant="outline"
+                                        size="sm"
+                                        onClick={() => {
+                                          setPayDialog(s);
+                                          setPayAmount(remaining.toFixed(2));
+                                        }}
+                                      >
+                                        <Check className="size-3.5" />
+                                        Öde
+                                      </Button>
+                                    )}
+                                    <Button
+                                      variant="ghost"
+                                      size="icon"
+                                      className="size-7"
+                                      onClick={() => setDeletingStmt(s)}
+                                    >
+                                      <Trash2 className="size-3.5" />
+                                    </Button>
+                                  </div>
+                                </TableCell>
+                              </TableRow>
+                            );
+                          })}
+                        </TableBody>
+                      </Table>
+                    </div>
+                  )}
+                </CardContent>
+              </Card>
+            );
+          })}
+
+          {archived.length > 0 && (
+            <details className="group">
+              <summary className="text-muted-foreground hover:text-foreground cursor-pointer text-sm">
+                Arşivlenmiş kartlar ({archived.length})
+              </summary>
+              <div className="mt-4 space-y-3">
+                {archived.map((c) => (
+                  <Card key={c.id} className="opacity-70">
+                    <CardContent className="flex items-center justify-between p-4">
+                      <div>
+                        <p className="font-medium">
+                          {c.bankName} — {c.cardName}{" "}
+                          {c.last4 && (
+                            <span className="text-muted-foreground font-mono text-xs">
+                              **{c.last4}
+                            </span>
+                          )}
+                        </p>
+                        <p className="text-muted-foreground text-xs">Arşivli</p>
+                      </div>
+                      <Button variant="outline" size="sm" onClick={() => toggleArchive(c)}>
+                        <ArchiveRestore className="size-3.5" />
+                        Geri aç
+                      </Button>
+                    </CardContent>
+                  </Card>
+                ))}
+              </div>
+            </details>
+          )}
+        </div>
+      )}
+
+      <CardFormSheet
+        open={cardFormOpen}
+        onOpenChange={(v) => {
+          setCardFormOpen(v);
+          if (!v) setEditingCard(null);
+        }}
+        card={editingCard}
+        bankAccounts={bankAccounts}
+      />
+
+      <StatementFormSheet
+        open={stmtFormOpen}
+        onOpenChange={(v) => {
+          setStmtFormOpen(v);
+          if (!v) setStmtCard(null);
+        }}
+        card={stmtCard}
+        cards={cards}
+      />
+
+      <Dialog open={Boolean(deletingCard)} onOpenChange={(v) => !v && setDeletingCard(null)}>
+        <DialogContent>
+          <DialogHeader>
+            <DialogTitle>Kartı sil</DialogTitle>
+            <DialogDescription>
+              <strong>
+                {deletingCard?.bankName} — {deletingCard?.cardName}
+              </strong>{" "}
+              ve tüm ekstreleri silinecek.
+            </DialogDescription>
+          </DialogHeader>
+          <DialogFooter>
+            <Button variant="outline" onClick={() => setDeletingCard(null)} disabled={busy}>
+              Vazgeç
+            </Button>
+            <Button variant="destructive" onClick={handleDeleteCard} disabled={busy}>
+              {busy ? <Loader2 className="size-4 animate-spin" /> : <Trash2 className="size-4" />}
+              Sil
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+
+      <Dialog
+        open={Boolean(payDialog)}
+        onOpenChange={(v) => {
+          if (!v) {
+            setPayDialog(null);
+            setPayAmount("");
+          }
+        }}
+      >
+        <DialogContent>
+          <DialogHeader>
+            <DialogTitle>Ekstre ödemesi</DialogTitle>
+            <DialogDescription>
+              {payDialog && (
+                <>
+                  <strong>{payDialog.period}</strong> dönemi — kalan{" "}
+                  {formatTRY(payDialog.totalDebt - payDialog.paidAmount)}.
+                  <br />
+                  Tutarı boş bırakırsanız tamamı ödenir.
+                </>
+              )}
+            </DialogDescription>
+          </DialogHeader>
+          <div className="grid gap-2 py-2">
+            <label className="text-sm font-medium">Ödenen tutar (₺)</label>
+            <Input
+              type="number"
+              step="0.01"
+              min="0"
+              value={payAmount}
+              onChange={(e) => setPayAmount(e.target.value)}
+            />
+          </div>
+          <DialogFooter>
+            <Button variant="outline" onClick={() => setPayDialog(null)} disabled={busy}>
+              Vazgeç
+            </Button>
+            <Button onClick={handlePay} disabled={busy}>
+              {busy ? <Loader2 className="size-4 animate-spin" /> : <Check className="size-4" />}
+              Ödemeyi kaydet
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+
+      <Dialog open={Boolean(deletingStmt)} onOpenChange={(v) => !v && setDeletingStmt(null)}>
+        <DialogContent>
+          <DialogHeader>
+            <DialogTitle>Ekstreyi sil</DialogTitle>
+            <DialogDescription>
+              <strong>{deletingStmt?.period}</strong> ekstresi silinecek. Bağlı gider kaydı varsa
+              o da silinir.
+            </DialogDescription>
+          </DialogHeader>
+          <DialogFooter>
+            <Button variant="outline" onClick={() => setDeletingStmt(null)} disabled={busy}>
+              Vazgeç
+            </Button>
+            <Button variant="destructive" onClick={handleDeleteStmt} disabled={busy}>
+              {busy ? <Loader2 className="size-4 animate-spin" /> : <Trash2 className="size-4" />}
+              Sil
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+    </div>
+  );
+}
diff --git a/src/app/(dashboard)/finance/cards/components/statement-form-sheet.tsx b/src/app/(dashboard)/finance/cards/components/statement-form-sheet.tsx
new file mode 100644
index 0000000..4ded34d
--- /dev/null
+++ b/src/app/(dashboard)/finance/cards/components/statement-form-sheet.tsx
@@ -0,0 +1,197 @@
+"use client";
+
+import { useActionState, useEffect, useMemo } from "react";
+import { Loader2, Save } from "lucide-react";
+import { toast } from "sonner";
+
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import {
+  Sheet,
+  SheetContent,
+  SheetDescription,
+  SheetFooter,
+  SheetHeader,
+  SheetTitle,
+} from "@/components/ui/sheet";
+import { Textarea } from "@/components/ui/textarea";
+import { createStatementAction } from "@/lib/appwrite/credit-card-actions";
+import { initialCreditCardState } from "@/lib/appwrite/credit-card-types";
+
+import type { CreditCardRow } from "./types";
+
+function pad(n: number) {
+  return String(n).padStart(2, "0");
+}
+
+function defaultDates(card?: CreditCardRow | null) {
+  const now = new Date();
+  const sd = card?.statementDay ?? 1;
+  const dd = card?.dueDay ?? 10;
+  const statement = new Date(now.getFullYear(), now.getMonth(), Math.min(sd, 28));
+  const due = new Date(now.getFullYear(), now.getMonth(), Math.min(dd, 28));
+  if (due.getTime() < statement.getTime()) due.setMonth(due.getMonth() + 1);
+  const period = `${statement.getFullYear()}-${pad(statement.getMonth() + 1)}`;
+  const ymd = (d: Date) => `${d.getFullYear()}-${pad(d.getMonth() + 1)}-${pad(d.getDate())}`;
+  return { period, statementDate: ymd(statement), dueDate: ymd(due) };
+}
+
+export function StatementFormSheet({
+  open,
+  onOpenChange,
+  card,
+  cards,
+}: {
+  open: boolean;
+  onOpenChange: (v: boolean) => void;
+  card?: CreditCardRow | null;
+  cards: CreditCardRow[];
+}) {
+  const [state, formAction, isPending] = useActionState(
+    createStatementAction,
+    initialCreditCardState,
+  );
+  const defaults = useMemo(() => defaultDates(card), [card]);
+
+  useEffect(() => {
+    if (state.ok) {
+      toast.success("Ekstre kaydedildi.");
+      onOpenChange(false);
+    } else if (state.error) {
+      toast.error(state.error);
+    }
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [state]);
+
+  return (
+    <Sheet open={open} onOpenChange={onOpenChange}>
+      <SheetContent className="flex w-full flex-col gap-0 p-0 sm:max-w-xl">
+        <SheetHeader className="border-b px-6 py-4">
+          <SheetTitle>Yeni ekstre</SheetTitle>
+          <SheetDescription>
+            Banka ekstrenizdeki dönem, son ödeme tarihi, toplam borç ve asgari ödeme tutarını girin.
+          </SheetDescription>
+        </SheetHeader>
+
+        <form action={formAction} className="flex flex-1 flex-col">
+          <div className="flex-1 space-y-4 overflow-y-auto px-6 py-5">
+            <div className="grid gap-2">
+              <Label htmlFor="cardId">Kart *</Label>
+              <Select name="cardId" defaultValue={card?.id ?? ""}>
+                <SelectTrigger id="cardId">
+                  <SelectValue placeholder="Kart seçin" />
+                </SelectTrigger>
+                <SelectContent>
+                  {cards.map((c) => (
+                    <SelectItem key={c.id} value={c.id}>
+                      {c.bankName} — {c.cardName} {c.last4 ? `**${c.last4}` : ""}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+              {state.fieldErrors?.cardId && (
+                <p className="text-destructive text-xs">{state.fieldErrors.cardId}</p>
+              )}
+            </div>
+
+            <div className="grid gap-4 md:grid-cols-3">
+              <div className="grid gap-2">
+                <Label htmlFor="period">Dönem (YYYY-AA) *</Label>
+                <Input
+                  id="period"
+                  name="period"
+                  defaultValue={defaults.period}
+                  pattern="\d{4}-\d{2}"
+                  required
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="statementDate">Hesap kesim *</Label>
+                <Input
+                  id="statementDate"
+                  name="statementDate"
+                  type="date"
+                  defaultValue={defaults.statementDate}
+                  required
+                />
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="dueDate">Son ödeme *</Label>
+                <Input
+                  id="dueDate"
+                  name="dueDate"
+                  type="date"
+                  defaultValue={defaults.dueDate}
+                  required
+                />
+              </div>
+            </div>
+
+            <div className="grid gap-4 md:grid-cols-2">
+              <div className="grid gap-2">
+                <Label htmlFor="totalDebt">Toplam borç (₺) *</Label>
+                <Input
+                  id="totalDebt"
+                  name="totalDebt"
+                  type="number"
+                  step="0.01"
+                  min="0"
+                  required
+                  placeholder="0.00"
+                />
+                {state.fieldErrors?.totalDebt && (
+                  <p className="text-destructive text-xs">{state.fieldErrors.totalDebt}</p>
+                )}
+              </div>
+              <div className="grid gap-2">
+                <Label htmlFor="minimumPayment">Asgari ödeme (₺)</Label>
+                <Input
+                  id="minimumPayment"
+                  name="minimumPayment"
+                  type="number"
+                  step="0.01"
+                  min="0"
+                  placeholder="0.00"
+                />
+              </div>
+            </div>
+
+            <div className="grid gap-2">
+              <Label htmlFor="notes">Notlar</Label>
+              <Textarea id="notes" name="notes" rows={3} placeholder="Önemli ekstre notları" />
+            </div>
+          </div>
+
+          <SheetFooter className="border-t bg-muted/30 px-6 py-4">
+            <div className="flex w-full justify-end gap-2">
+              <Button type="button" variant="outline" onClick={() => onOpenChange(false)} disabled={isPending}>
+                Vazgeç
+              </Button>
+              <Button type="submit" disabled={isPending}>
+                {isPending ? (
+                  <>
+                    <Loader2 className="size-4 animate-spin" />
+                    Kaydediliyor...
+                  </>
+                ) : (
+                  <>
+                    <Save className="size-4" />
+                    Kaydet
+                  </>
+                )}
+              </Button>
+            </div>
+          </SheetFooter>
+        </form>
+      </SheetContent>
+    </Sheet>
+  );
+}
diff --git a/src/app/(dashboard)/finance/cards/components/types.ts b/src/app/(dashboard)/finance/cards/components/types.ts
new file mode 100644
index 0000000..cab5377
--- /dev/null
+++ b/src/app/(dashboard)/finance/cards/components/types.ts
@@ -0,0 +1,43 @@
+export type CreditCardRow = {
+  id: string;
+  bankName: string;
+  cardName: string;
+  last4: string;
+  creditLimit: number;
+  statementDay: number;
+  dueDay: number;
+  interestRate: number;
+  bankAccountId: string;
+  bankAccountLabel: string;
+  archived: boolean;
+  notes: string;
+};
+
+export type StatementRow = {
+  id: string;
+  cardId: string;
+  period: string; // YYYY-MM
+  statementDate: string;
+  dueDate: string;
+  totalDebt: number;
+  minimumPayment: number;
+  paidAmount: number;
+  status: "pending" | "partial" | "paid" | "overdue";
+  notes: string;
+};
+
+export type BankAccountOption = { id: string; label: string };
+
+export const STATEMENT_STATUS_LABEL: Record<StatementRow["status"], string> = {
+  pending: "Bekliyor",
+  partial: "Kısmi ödendi",
+  paid: "Ödendi",
+  overdue: "Gecikti",
+};
+
+export const STATEMENT_STATUS_COLOR: Record<StatementRow["status"], string> = {
+  pending: "bg-blue-500/15 text-blue-700 dark:text-blue-300 border-blue-500/30",
+  partial: "bg-amber-500/15 text-amber-800 dark:text-amber-300 border-amber-500/30",
+  paid: "bg-emerald-500/15 text-emerald-700 dark:text-emerald-300 border-emerald-500/30",
+  overdue: "bg-red-500/15 text-red-700 dark:text-red-300 border-red-500/30",
+};
diff --git a/src/app/(dashboard)/finance/cards/page.tsx b/src/app/(dashboard)/finance/cards/page.tsx
new file mode 100644
index 0000000..862ac29
--- /dev/null
+++ b/src/app/(dashboard)/finance/cards/page.tsx
@@ -0,0 +1,80 @@
+import type { Metadata } from "next";
+import { redirect } from "next/navigation";
+
+import { listBankAccounts } from "@/lib/appwrite/bank-account-queries";
+import {
+  listCreditCards,
+  listStatements,
+} from "@/lib/appwrite/credit-card-queries";
+import { requireTenant } from "@/lib/appwrite/tenant-guard";
+import { CardsClient } from "./components/cards-client";
+
+export const metadata: Metadata = {
+  title: "İşletmem — Kredi kartları",
+};
+
+export default async function CardsPage() {
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    redirect("/onboarding");
+  }
+
+  const [cards, statements, bankAccounts] = await Promise.all([
+    listCreditCards(ctx.tenantId),
+    listStatements(ctx.tenantId),
+    listBankAccounts(ctx.tenantId),
+  ]);
+
+  const bankMap = new Map(
+    bankAccounts.map((b) => [b.$id, `${b.bankName} — ${b.accountName}`]),
+  );
+
+  return (
+    <div className="flex-1 space-y-6 px-6 pt-0">
+      <div className="flex flex-col gap-1">
+        <p className="text-muted-foreground text-sm">{ctx.settings?.companyName ?? "Çalışma alanı"}</p>
+        <h1 className="text-2xl font-bold tracking-tight">Kredi kartları</h1>
+        <p className="text-muted-foreground text-sm">
+          Kartlarınızı ve aylık ekstrelerinizi takip edin. Ekstre ödendiğinde otomatik gider kaydı oluşur.
+        </p>
+      </div>
+
+      <CardsClient
+        cards={cards.map((c) => ({
+          id: c.$id,
+          bankName: c.bankName,
+          cardName: c.cardName,
+          last4: c.last4 ?? "",
+          creditLimit: c.creditLimit ?? 0,
+          statementDay: c.statementDay ?? 1,
+          dueDay: c.dueDay ?? 10,
+          interestRate: c.interestRate ?? 4.25,
+          bankAccountId: c.bankAccountId ?? "",
+          bankAccountLabel: c.bankAccountId ? bankMap.get(c.bankAccountId) ?? "" : "",
+          archived: Boolean(c.archived),
+          notes: c.notes ?? "",
+        }))}
+        statements={statements.map((s) => ({
+          id: s.$id,
+          cardId: s.cardId,
+          period: s.period,
+          statementDate: s.statementDate,
+          dueDate: s.dueDate,
+          totalDebt: s.totalDebt,
+          minimumPayment: s.minimumPayment ?? 0,
+          paidAmount: s.paidAmount ?? 0,
+          status: s.status ?? "pending",
+          notes: s.notes ?? "",
+        }))}
+        bankAccounts={bankAccounts
+          .filter((b) => !b.archived)
+          .map((b) => ({
+            id: b.$id,
+            label: `${b.bankName} — ${b.accountName}`,
+          }))}
+      />
+    </div>
+  );
+}
diff --git a/src/lib/appwrite/credit-card-actions.ts b/src/lib/appwrite/credit-card-actions.ts
new file mode 100644
index 0000000..51c2573
--- /dev/null
+++ b/src/lib/appwrite/credit-card-actions.ts
@@ -0,0 +1,489 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { AppwriteException, ID, Permission, Query, Role } from "node-appwrite";
+import { z } from "zod";
+
+import { logAudit } from "./audit";
+import {
+  DATABASE_ID,
+  TABLES,
+  type CreditCard,
+  type CreditCardStatement,
+} from "./schema";
+import { createAdminClient } from "./server";
+import { requireTenant } from "./tenant-guard";
+import type { CreditCardActionState } from "./credit-card-types";
+import { creditCardSchema, statementSchema } from "@/lib/validation/credit-cards";
+
+function appwriteError(e: unknown): string {
+  if (e instanceof AppwriteException) return e.message || "Beklenmeyen hata.";
+  return "Bağlantı hatası. Tekrar deneyin.";
+}
+
+function flattenErrors(err: z.ZodError): Record<string, string> {
+  const out: Record<string, string> = {};
+  for (const issue of err.issues) {
+    const key = issue.path.join(".");
+    if (key && !out[key]) out[key] = issue.message;
+  }
+  return out;
+}
+
+function teamRowPermissions(tenantId: string) {
+  return [
+    Permission.read(Role.team(tenantId)),
+    Permission.update(Role.team(tenantId)),
+    Permission.delete(Role.team(tenantId, "owner")),
+    Permission.delete(Role.team(tenantId, "admin")),
+  ];
+}
+
+function toIso(v: string): string {
+  if (!v) return v;
+  if (/^\d{4}-\d{2}-\d{2}$/.test(v)) return `${v}T00:00:00.000+00:00`;
+  return v;
+}
+
+// ---------------- Cards ----------------
+
+function pickCardFields(formData: FormData) {
+  return {
+    bankName: String(formData.get("bankName") ?? "").trim(),
+    cardName: String(formData.get("cardName") ?? "").trim(),
+    last4: String(formData.get("last4") ?? "").trim(),
+    creditLimit: String(formData.get("creditLimit") ?? "0"),
+    statementDay: String(formData.get("statementDay") ?? "1"),
+    dueDay: String(formData.get("dueDay") ?? "10"),
+    interestRate: String(formData.get("interestRate") ?? "4.25"),
+    bankAccountId: String(formData.get("bankAccountId") ?? ""),
+    notes: String(formData.get("notes") ?? "").trim(),
+  };
+}
+
+export async function createCreditCardAction(
+  _prev: CreditCardActionState,
+  formData: FormData,
+): Promise<CreditCardActionState> {
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  const parsed = creditCardSchema.safeParse(pickCardFields(formData));
+  if (!parsed.success) {
+    return { ok: false, error: "Form geçersiz.", fieldErrors: flattenErrors(parsed.error) };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const row = await tablesDB.createRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      ID.unique(),
+      {
+        tenantId: ctx.tenantId,
+        createdBy: ctx.user.id,
+        ...parsed.data,
+      },
+      teamRowPermissions(ctx.tenantId),
+    );
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "create",
+      entityType: "credit_card",
+      entityId: row.$id,
+      changes: parsed.data,
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/cards");
+  return { ok: true };
+}
+
+export async function updateCreditCardAction(
+  _prev: CreditCardActionState,
+  formData: FormData,
+): Promise<CreditCardActionState> {
+  const id = String(formData.get("id") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  const parsed = creditCardSchema.safeParse(pickCardFields(formData));
+  if (!parsed.success) {
+    return { ok: false, error: "Form geçersiz.", fieldErrors: flattenErrors(parsed.error) };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      id,
+    )) as unknown as CreditCard;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+
+    await tablesDB.updateRow(DATABASE_ID, TABLES.creditCards, id, parsed.data);
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "update",
+      entityType: "credit_card",
+      entityId: id,
+      changes: parsed.data,
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/cards");
+  return { ok: true };
+}
+
+export async function archiveCreditCardAction(
+  formData: FormData,
+): Promise<CreditCardActionState> {
+  const id = String(formData.get("id") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      id,
+    )) as unknown as CreditCard;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+    const newArchivedState = !existing.archived;
+    await tablesDB.updateRow(DATABASE_ID, TABLES.creditCards, id, {
+      archived: newArchivedState,
+    });
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "update",
+      entityType: "credit_card",
+      entityId: id,
+      changes: { archived: newArchivedState },
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/cards");
+  return { ok: true };
+}
+
+export async function deleteCreditCardAction(
+  formData: FormData,
+): Promise<CreditCardActionState> {
+  const id = String(formData.get("id") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      id,
+    )) as unknown as CreditCard;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+
+    // Cascade delete statements + their finance entries
+    const statements = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.creditCardStatements,
+      queries: [
+        Query.equal("tenantId", ctx.tenantId),
+        Query.equal("cardId", id),
+        Query.limit(500),
+      ],
+    });
+    for (const s of statements.rows as unknown as CreditCardStatement[]) {
+      if (s.financeEntryId) {
+        try {
+          await tablesDB.deleteRow(DATABASE_ID, TABLES.financeEntries, s.financeEntryId);
+        } catch {
+          /* ignore */
+        }
+      }
+      await tablesDB.deleteRow(DATABASE_ID, TABLES.creditCardStatements, s.$id);
+    }
+
+    await tablesDB.deleteRow(DATABASE_ID, TABLES.creditCards, id);
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "delete",
+      entityType: "credit_card",
+      entityId: id,
+      changes: { bankName: existing.bankName, cardName: existing.cardName, statements: statements.rows.length },
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/cards");
+  return { ok: true };
+}
+
+// ---------------- Statements ----------------
+
+function pickStatementFields(formData: FormData) {
+  return {
+    cardId: String(formData.get("cardId") ?? ""),
+    period: String(formData.get("period") ?? "").trim(),
+    statementDate: String(formData.get("statementDate") ?? ""),
+    dueDate: String(formData.get("dueDate") ?? ""),
+    totalDebt: String(formData.get("totalDebt") ?? "0"),
+    minimumPayment: String(formData.get("minimumPayment") ?? "0"),
+    notes: String(formData.get("notes") ?? "").trim(),
+  };
+}
+
+function computeStatus(
+  totalDebt: number,
+  paidAmount: number,
+  dueDate: string,
+): "pending" | "partial" | "paid" | "overdue" {
+  if (paidAmount >= totalDebt) return "paid";
+  const past = new Date(dueDate).getTime() < Date.now();
+  if (paidAmount > 0) return past ? "overdue" : "partial";
+  return past ? "overdue" : "pending";
+}
+
+export async function createStatementAction(
+  _prev: CreditCardActionState,
+  formData: FormData,
+): Promise<CreditCardActionState> {
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  const parsed = statementSchema.safeParse(pickStatementFields(formData));
+  if (!parsed.success) {
+    return { ok: false, error: "Form geçersiz.", fieldErrors: flattenErrors(parsed.error) };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const card = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      parsed.data.cardId,
+    )) as unknown as CreditCard;
+    if (card.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+
+    const status = computeStatus(parsed.data.totalDebt, 0, parsed.data.dueDate);
+
+    const row = await tablesDB.createRow(
+      DATABASE_ID,
+      TABLES.creditCardStatements,
+      ID.unique(),
+      {
+        tenantId: ctx.tenantId,
+        createdBy: ctx.user.id,
+        cardId: parsed.data.cardId,
+        period: parsed.data.period,
+        statementDate: toIso(parsed.data.statementDate),
+        dueDate: toIso(parsed.data.dueDate),
+        totalDebt: parsed.data.totalDebt,
+        minimumPayment: parsed.data.minimumPayment,
+        paidAmount: 0,
+        status,
+        notes: parsed.data.notes,
+      },
+      teamRowPermissions(ctx.tenantId),
+    );
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "create",
+      entityType: "credit_card_statement",
+      entityId: row.$id,
+      changes: { cardId: parsed.data.cardId, period: parsed.data.period, totalDebt: parsed.data.totalDebt },
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/cards");
+  return { ok: true };
+}
+
+export async function payStatementAction(formData: FormData): Promise<CreditCardActionState> {
+  const id = String(formData.get("id") ?? "");
+  const amountStr = String(formData.get("amount") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCardStatements,
+      id,
+    )) as unknown as CreditCardStatement;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+
+    const remaining = (existing.totalDebt ?? 0) - (existing.paidAmount ?? 0);
+    if (remaining <= 0) {
+      return { ok: false, error: "Bu ekstrenin bakiyesi kalmamış." };
+    }
+
+    const amount = amountStr
+      ? Number(amountStr.replace(",", "."))
+      : remaining;
+    if (!Number.isFinite(amount) || amount <= 0) {
+      return { ok: false, error: "Tutar geçersiz.", fieldErrors: { amount: "Geçersiz" } };
+    }
+    const payAmount = Math.min(amount, remaining);
+
+    const card = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCards,
+      existing.cardId,
+    )) as unknown as CreditCard;
+
+    const fe = await tablesDB.createRow(
+      DATABASE_ID,
+      TABLES.financeEntries,
+      ID.unique(),
+      {
+        tenantId: ctx.tenantId,
+        createdBy: ctx.user.id,
+        type: "expense",
+        amount: payAmount,
+        date: new Date().toISOString(),
+        description: `${card.bankName} ${card.cardName} ${existing.period} ekstre ödemesi`,
+        bankAccountId: card.bankAccountId,
+      },
+      teamRowPermissions(ctx.tenantId),
+    );
+
+    const newPaid = (existing.paidAmount ?? 0) + payAmount;
+    const newStatus = computeStatus(existing.totalDebt ?? 0, newPaid, existing.dueDate);
+
+    await tablesDB.updateRow(DATABASE_ID, TABLES.creditCardStatements, id, {
+      paidAmount: Number(newPaid.toFixed(2)),
+      status: newStatus,
+      financeEntryId: newStatus === "paid" ? fe.$id : existing.financeEntryId ?? fe.$id,
+    });
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "update",
+      entityType: "credit_card_statement",
+      entityId: id,
+      changes: { paidAmount: newPaid, status: newStatus, payAmount },
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/cards");
+  revalidatePath("/finance");
+  return { ok: true };
+}
+
+export async function deleteStatementAction(
+  formData: FormData,
+): Promise<CreditCardActionState> {
+  const id = String(formData.get("id") ?? "");
+  if (!id) return { ok: false, error: "ID eksik." };
+
+  let ctx;
+  try {
+    ctx = await requireTenant();
+  } catch {
+    return { ok: false, error: "Yetkiniz yok." };
+  }
+
+  try {
+    const { tablesDB } = createAdminClient();
+    const existing = (await tablesDB.getRow(
+      DATABASE_ID,
+      TABLES.creditCardStatements,
+      id,
+    )) as unknown as CreditCardStatement;
+    if (existing.tenantId !== ctx.tenantId) {
+      return { ok: false, error: "Erişim engellendi." };
+    }
+    if (existing.financeEntryId) {
+      try {
+        await tablesDB.deleteRow(
+          DATABASE_ID,
+          TABLES.financeEntries,
+          existing.financeEntryId,
+        );
+      } catch {
+        /* ignore */
+      }
+    }
+    await tablesDB.deleteRow(DATABASE_ID, TABLES.creditCardStatements, id);
+
+    await logAudit({
+      tenantId: ctx.tenantId,
+      userId: ctx.user.id,
+      action: "delete",
+      entityType: "credit_card_statement",
+      entityId: id,
+    });
+  } catch (e) {
+    return { ok: false, error: appwriteError(e) };
+  }
+
+  revalidatePath("/finance/cards");
+  revalidatePath("/finance");
+  return { ok: true };
+}
diff --git a/src/lib/appwrite/credit-card-queries.ts b/src/lib/appwrite/credit-card-queries.ts
new file mode 100644
index 0000000..9d7098a
--- /dev/null
+++ b/src/lib/appwrite/credit-card-queries.ts
@@ -0,0 +1,49 @@
+import "server-only";
+
+import { Query } from "node-appwrite";
+
+import { createAdminClient } from "./server";
+import {
+  DATABASE_ID,
+  TABLES,
+  type CreditCard,
+  type CreditCardStatement,
+} from "./schema";
+
+export async function listCreditCards(tenantId: string): Promise<CreditCard[]> {
+  try {
+    const { tablesDB } = createAdminClient();
+    const result = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.creditCards,
+      queries: [
+        Query.equal("tenantId", tenantId),
+        Query.orderAsc("bankName"),
+        Query.limit(200),
+      ],
+    });
+    return result.rows as unknown as CreditCard[];
+  } catch {
+    return [];
+  }
+}
+
+export async function listStatements(
+  tenantId: string,
+): Promise<CreditCardStatement[]> {
+  try {
+    const { tablesDB } = createAdminClient();
+    const result = await tablesDB.listRows({
+      databaseId: DATABASE_ID,
+      tableId: TABLES.creditCardStatements,
+      queries: [
+        Query.equal("tenantId", tenantId),
+        Query.orderDesc("statementDate"),
+        Query.limit(500),
+      ],
+    });
+    return result.rows as unknown as CreditCardStatement[];
+  } catch {
+    return [];
+  }
+}
diff --git a/src/lib/appwrite/credit-card-types.ts b/src/lib/appwrite/credit-card-types.ts
new file mode 100644
index 0000000..3e79492
--- /dev/null
+++ b/src/lib/appwrite/credit-card-types.ts
@@ -0,0 +1,7 @@
+export type CreditCardActionState = {
+  ok: boolean;
+  error?: string;
+  fieldErrors?: Record<string, string>;
+};
+
+export const initialCreditCardState: CreditCardActionState = { ok: false };
diff --git a/src/lib/appwrite/schema.ts b/src/lib/appwrite/schema.ts
index 2c9b578..dc06631 100644
--- a/src/lib/appwrite/schema.ts
+++ b/src/lib/appwrite/schema.ts
@@ -16,6 +16,8 @@ export const TABLES = {
   bankAccounts: "bank_accounts",
   bankLoans: "bank_loans",
   loanInstallments: "loan_installments",
+  creditCards: "credit_cards",
+  creditCardStatements: "credit_card_statements",
 } as const;
 
 export type TableId = (typeof TABLES)[keyof typeof TABLES];
@@ -223,6 +225,38 @@ export interface LoanInstallment extends Row {
   financeEntryId?: string;
 }
 
+export interface CreditCard extends Row {
+  tenantId: string;
+  createdBy: string;
+  bankName: string;
+  cardName: string;
+  last4?: string;
+  creditLimit?: number;
+  statementDay?: number;
+  dueDay?: number;
+  interestRate?: number;
+  bankAccountId?: string;
+  archived?: boolean;
+  notes?: string;
+}
+
+export type StatementStatus = "pending" | "partial" | "paid" | "overdue";
+
+export interface CreditCardStatement extends Row {
+  tenantId: string;
+  createdBy: string;
+  cardId: string;
+  period: string; // YYYY-MM
+  statementDate: string;
+  dueDate: string;
+  totalDebt: number;
+  minimumPayment?: number;
+  paidAmount?: number;
+  status?: StatementStatus;
+  financeEntryId?: string;
+  notes?: string;
+}
+
 export type InviteRole = "admin" | "member";
 export type InviteStatus = "pending" | "accepted" | "cancelled" | "expired";
 
diff --git a/src/lib/validation/credit-cards.ts b/src/lib/validation/credit-cards.ts
new file mode 100644
index 0000000..b85ca0e
--- /dev/null
+++ b/src/lib/validation/credit-cards.ts
@@ -0,0 +1,73 @@
+import { z } from "zod";
+
+export const creditCardSchema = z.object({
+  bankName: z.string().trim().min(1, "Banka adı zorunlu.").max(100),
+  cardName: z.string().trim().min(1, "Kart adı zorunlu.").max(100),
+  last4: z
+    .string()
+    .trim()
+    .max(4)
+    .optional()
+    .transform((v) => (v ? v.replace(/\D/g, "").slice(-4) : undefined)),
+  creditLimit: z
+    .union([z.number(), z.string()])
+    .optional()
+    .transform((v) => {
+      if (v === undefined || v === "") return 0;
+      const n = typeof v === "string" ? Number(v.replace(",", ".")) : v;
+      return Number.isFinite(n) ? n : 0;
+    }),
+  statementDay: z
+    .union([z.number(), z.string()])
+    .optional()
+    .transform((v) => {
+      if (v === undefined || v === "") return 1;
+      const n = typeof v === "string" ? parseInt(v, 10) : v;
+      return Number.isFinite(n) ? Math.min(28, Math.max(1, n)) : 1;
+    }),
+  dueDay: z
+    .union([z.number(), z.string()])
+    .optional()
+    .transform((v) => {
+      if (v === undefined || v === "") return 10;
+      const n = typeof v === "string" ? parseInt(v, 10) : v;
+      return Number.isFinite(n) ? Math.min(28, Math.max(1, n)) : 10;
+    }),
+  interestRate: z
+    .union([z.number(), z.string()])
+    .optional()
+    .transform((v) => {
+      if (v === undefined || v === "") return 4.25;
+      const n = typeof v === "string" ? Number(v.replace(",", ".")) : v;
+      return Number.isFinite(n) ? n : 4.25;
+    }),
+  bankAccountId: z.string().optional().transform((v) => (v ? v : undefined)),
+  notes: z.string().trim().max(500).optional().transform((v) => (v ? v : undefined)),
+});
+
+export type CreditCardInput = z.infer<typeof creditCardSchema>;
+
+export const statementSchema = z.object({
+  cardId: z.string().min(1, "Kart seçin."),
+  period: z
+    .string()
+    .regex(/^\d{4}-\d{2}$/, "Dönem YYYY-AA formatında olmalı.")
+    .max(7),
+  statementDate: z.string().min(1, "Hesap kesim tarihi zorunlu."),
+  dueDate: z.string().min(1, "Son ödeme tarihi zorunlu."),
+  totalDebt: z
+    .union([z.number(), z.string()])
+    .transform((v) => (typeof v === "string" ? Number(v.replace(",", ".")) : v))
+    .pipe(z.number().nonnegative("Negatif olamaz.")),
+  minimumPayment: z
+    .union([z.number(), z.string()])
+    .optional()
+    .transform((v) => {
+      if (v === undefined || v === "") return 0;
+      const n = typeof v === "string" ? Number(v.replace(",", ".")) : v;
+      return Number.isFinite(n) ? n : 0;
+    }),
+  notes: z.string().trim().max(500).optional().transform((v) => (v ? v : undefined)),
+});
+
+export type StatementInput = z.infer<typeof statementSchema>;