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信用卡以其安全、快捷的优势,成为目前最具前景的消费支付工具。随着信用卡的普及和同业竞争的加剧,信用卡纠纷的类型越发多元化、复杂化。松山湖法庭作为集中审理东莞市第一人民法院辖区内金融案件的专业审判法庭,年均办理信用卡案件将近2000宗。信用卡的用卡安全以及风险承担问题成为审理的难点,本文选取了三宗盗用、冒用和伪造信用卡消费的案例,试对这些新类型的信用卡纠纷的特点以及各方当事人的责任承担进行粗浅的探讨。
Credit card with its safe, fast advantages, become the most promising consumer payment tools. With the popularization of credit cards and the aggravation of peer competition, the types of credit card disputes have become more diversified and complicated. As a specialized trial court that focuses on hearing financial cases within the jurisdiction of the First People’s Court of Dongguan City, Songshan Lake Court annually processes nearly 2,000 credit card cases. Credit card use card security and risk commitment issues become the trial of the difficulty, this article selected three cases of theft, faking and counterfeit credit card spending, try these new types of credit card features and the parties involved in the responsibility to undertake a superficial Discussion.