Tinjauan Yuridis Penyelesaian Sengketa Atas Pemakai Kartu Kredit Tipe Gold dengan Bank Penerbit Kartu Kredit (Studi Putusan No. 161/Pdt-G/2017/PN.Mdn)

Abstract

The credit card business in the modern era is now in great demand by the public, so it is not surprising that banks are competing to issue credit cards with very attractive facilities that create competition between banks in Indonesia. The word credit in the business world means that you will be able to borrow money or the ability to enter into a commercial transaction or obtain delivery of goods or services with an agreement that will pay it later. The problem in this study is how the legal rules for issuing credit cards are related to the rights and obligations of each party. how are the factors causing disputes over credit card usage between credit card issuers and credit card users and how to resolve disputes over the use of credit cards between issuing banks and credit card users. The research method used by the author is: Research Library (Library Research) In this library research the authors do by studying books, scientific essays, magazines and materials that are theoretical in nature that can be used as a basis or rationale in making this thesis. Field Research (Field Research) Through this method, the author will conduct field research to obtain data by conducting research directly to the Medan District Court, and in this case the author will examine the case according to the title submitted. The legal basis for credit card issuance is related to the rights and obligations of each party is an agreement agreed upon by the parties, namely the issuer, the bank and the party using the credit card. Republic of Indonesia Law Number 3 of 2004 concerning Bank Indonesia. Law Number 10 of 1998 concerning National Banking. Decree of the Minister of Finance No. 1251 / KMK. 013/1988 Concerning the Provisions and Procedures for Implementing Financing Institutions of Bank Indonesia Regulation Number 7/52 / PBI / 2005 concerning the Implementation of Card-Based Payment Instrument Activities dated December 28, 2005 which were amended by Bank Indonesia Regulation Number 10/8 / PBI / 2008. Article 16 A and Article 16B Bank Indonesia Regulation Number 14/2 / PBI / 2012. The factor that causes disputes over credit card usage between credit card issuers and credit card users is that there are delays and incapacity to use credit cards to pay bills on their credit cards. Dispute Resolution No. Decision 161 / Pdt.G / 2017 / PN. The settlement was carried out through the Medan District Court because there was no settlement through deliberation.