Perlindungan Nasabah kartu Kredit Ditinjau dari Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Konsumen

The credit card at this time is a requirement for the modern community to be used as the implement of cash payment. With this plastic card the customer could carry out various transaction sorts and they had no need to come and queue in the office or the bank of service giver, but they just really came in outlet – outlet that was spread almost in each place, in order to fill the transaction that was needed both took money and transfer especially for credit card payment. The payment transaction like this was mentioned with the Electronic Funds Transfer. The sophistication of this transaction using credit card couldn’t be free from the progress of technology. Technology changed many aspects of the business and the market. In the trade business for example the progress of technology produced the method that known with the term of E-Commerce ( Electronic Commerce ). E- Commerce was the business of activities that related to the consumer, manufactures, services providers and also intermediaries by using the computer network, that is the internet. Through the normative approach method juridical, the writer tried to answer the available problem with researched concerning the protection of the credit card customer by the regulation no.8 year 1999, legal relations between the bank as the giver of credit card services against the customer, as well as the factors that became the hindrance in the protection of credit card customer. Based on the results of the protection research of the law into the customer credit card, isn’t going as well as it should be. The informations giving trough the print of media it seemed to work well for the customer, especially when the customer must sign the application, legal relations that emerged not balanced, likewise towards the factors that hindered toward the protection of the law for the customer was more beneficial the bank’s side The credit card customer’s law protection only can be happen with all participations, both from the credit card customer’s side and also from bank’ s side. The credit card customer’s side must behave more proactive to knowing their rights and their obligations and for the bank’s side preferably was open and gave more explaination during the hand marker the application of credit card. With the exixtence of the balanced condition both from the bank and the customer then the protection will go as being hoped for. Although right now the government already gave a new regulation no. 11 year 2008 about The information and electronic transaction but in the reality that regulation isnt eficien. This condition can’t be thouched to protect the societies, there is still be needed the representative formulas which is hope for reaching the all kind crime that using credit card. Keyword : The protection of the customer, EFT, Credit card