目前,学术界对信用卡的民事责任缺乏深入的探讨,研究信用卡的民事责任具有重要意义。信用卡的民事责任一般可分为合同责任和非合同责任两种,其中的违约责任是当事人承担的主要民事责任。而对信用卡挂失止付、透支、欺诈及担保等常见纠纷发生后的民事责任进行探讨则更有现实意义。完善的法律责任制度能更有效地保护当事人的合法利益。 At present, academia lacks deep discussion on the civil liability of credit card, and it is of great significance to study the civil liability of credit card. The civil liability of credit card can be divided into two kinds, contractual liability and non-contractual liability. Among them, the liability for breach of contract is the main civil liability borne by the parties concerned. However, it is more practical to discuss the civil liability after the occurrence of common disputes such as credit card loss, overdraft, fraud and guarantee. A sound legal liability system can protect the legitimate interests of the parties more effectively.