TANGGUNG JAWAB PEMEGANG KARTU KREDIT TERKAIT TRANSAKSI YANG TIDAK SAH
Abstract
Credit card has function as payment means that is compulsory appears
drom economic activities. Cardholder is able to use credit card as good payment
mean both in trading transaction and cash. In trading transaction, the cardholder
pays on transaction value, by giving the credit card to merchant. Then, merchant
will credit the credit card as the transaction value. But in fact, there is merchant
who credits the credit card twice without the cardholder`s watch. So that, it gives
disadvantages to the cardholder for getting bill from bank as amount twice from
the transaction value.
This research has purpose to know what the cardholder has responsibility
upon the third party error (merchant) on the transaction that give disadvantages to
the cardholder. The research method used in this research is normative
jurisdiction, that through librarian study and law as norms or dogma.
The research result indicates that the cardholder to keep having
responsibility upon the disadvantaging transaction including fine and interest for
the cardholder had done contract with bank as the credit card issuer proper as the
rules in KUHPerdata. But the cardholder must get its refund from the merchant
added by restitution such as fine and interest for this is an error from merchant
because it does not proper to the compulsory as legality upon KUHPerdata.