PERLINDUNGAN HUKUM TERHADAP PEMEGANG KARTU KREDIT PT. BANK NEGARA INDONESIA (PERSERO) TBK CABANG SUDIRMAN PEKANBARU DITINJAU DARI UNDANG-UNDANG NO. 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN
ABSTRACT: This study concludes
that the basic legal relationship between credit card holders with the issuing
bank is an agreement that can be classified as a raw deal,because the document
containing the clause agreement has been prepared anddetermined in advance by
the publisher, in this case the bank, as the lender that accepts only credit
card holders or not against all clauses specified (take it or leave it). In the
agreement contained in the rights and obligations for banks and credit card
holders. Liabilities of the bank are entitled to the credit card holders, and
conversely the right bank is a liability for credit card holders. The rights
andobligations of the parties are constrained by the presence of Act No. 8 of
1999 onConsumer Protection is based on five (5) principles that benefit,
justice, equity,security and consumer safety, and legal certainty. The credit
card customers law protection can only be realized with the participation of
the various parties. The credit card customers should be more proactive to know
their rights and also their obligations and for the banks preferab y was open
and give more explanation during the hand marker the application of credit
card. With the existence of the balanced condition both from the bank and the
customer than the protection will run as expected. Although right now the
government already gave a new regulation no. 11 of 2003 on Information and
Electronic Transactions, but in fact the role of the Law is felt not efficient.
It was felt not enough to protect the public and interested parties, still
needed more representative formulation that can reach all forms of crime by
using a credit card
Penulis: Fredrick
Kode Jurnal: jphukumdd151151
