【摘要】 信用卡章程与领用合约本质上均属格式合同,其核心内容是发卡银行与持卡人之间的权利义务,二者共同构成规范信用卡当事人的基础法律文件。为契合信用卡业务的迅猛发展,在借鉴国际银行经验的基础上,我国商业银行的信用卡章程与领用合约不断改进,强化了法律风险防控并注重保障持卡人权益。与此同时,我国商业银行在信用卡章程与领用合约的衔接与修改、体例结构、责任条款、欠款催收等重要问题上仍需作进一步的完善。更多还原

【Abstract】 The Charter and Contract of credit card are essentially standard covenants,which focus on the rights and obligations between the issuing bank and cardholder. Both the Charter and Contract constitute basic legal documents of credit card. In order to fit in the rapidly changing credit card business,domestic commercial banks endeavor to improve the Charter and Contract,strengthen legal risk control and focus on the protection of cardholders’ interests. At the same time,there are still some important issues begging more attention,such as modification,structure,the responsibility clauses,debt collection,etc.更多还原