PELAKSANAAN PRINSIP MENGENAL NASABAH (KARAKTER) DALAM TRANSAKSI PERBANKAN DENGAN KARTU KREDIT

ABSTRACT IMPLEMENTATION OF KNOWLEDGE PRINCIPLES OF CUSTOMERS (CHARACTER) IN BANKING TRANSACTIONS WITH CREDIT CARDS Problems of banking transactions especially in terms of credit. In the present day, transactions are generally not made in cash, but in the form of electronic transactions (cashless). With electronic transactions, the process that occurs is the transfer of books that only count the numbers. The physical form of the transaction does not exist unless the customer makes a withdrawal for the payment. In its development, the chain of withdrawal of money has a more practical alternative, ie credit card. A credit card is a card containing a customer's identity and can be used to make payments electronically. The customer's savings will be debited by the bank automatically once the transaction is made, then the bank which will pay the seller (merchant). Credit cards today are common and are the most practical and safe way of payment in modern society. Based on the above description of the background, then the formulation of the problem as follows: How the implementation of the principle of knowing customers in the provision of credit cards? And What are the legal consequences of credit card customers who default? The type of research used in writing this thesis is Normative Law research type. While the approach of the problem used is the approach of legislation and conceptual. Implementation of the principle of knowing the customer in credit card provision, it is important to remember the perfect character of the customer such as strong character, ability to return money, valuable assurance, strong capital and safe economic conditions And the consequences of credit card customers' default are: Termination and / or cancellation and / or credit card bookkeeping without prior notice, all cardholder's debts become due, and can be billed and must be paid instantly and at the same time paid, Cardholder's assets And the guarantor is confiscated and the Cardholder and / or Guarantor Company is liquidated / liquidated or the business license is revoked by theauthorities. Keywords: Know Your Customer Principles, Credit Card and Bankin