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    Title: 信用卡約款與消費者保護
    Authors: 羅雪舫
    Contributors: 黃立
    羅雪舫
    Keywords: 信用卡
    定型化契約
    Date: 2008
    Issue Date: 2010-12-08 17:36:26 (UTC+8)
    Abstract: 發卡機構與持卡人間之法律關係屬於委任契約性質特約商店是發卡機構之代理人，代理人之認知視同本人之認知，若特約商店明知或因重大過失而不知冒用行為時，應視同發卡機構對於冒用行為明知或因重大過失不知，而不能依擔保條款向付款人請求付款，對消費者保護較為周全，合先敘明。
    關於信用卡交易中之抗辯接續問題，我國並無直接規範之法規存在，而在實質上提到此問題者可見信用卡定型化契約範本第十一條，其規定關於持卡人與發卡機構間之信用卡契約，除例外之情形，原則上發卡機構得基於該約款，否認持卡人援用其對特約商店所生權利以拒絕付款之主張。
    發卡機構與持卡人間就持卡人剩餘未償還款項應成立消費借貸契約，亦即持卡人以循環信用方式繳納因使用信用卡而生之消費帳款或其他費用時，即為持卡人向發卡銀行借款，持卡人於繳款截止時前僅繳納最低應繳金額，而尚有餘額未繳者，即以未繳納之部分，為借款金額；持卡人於繳款截止日前未繳納任何款項者，即以當期全部應繳款項，為借款金額，而循環信用既然屬於消費借貸契約，而且係基於信用卡定型化契約之約定，故循環信用之利息，即為約定利息。
    信用卡定型化契約範本第二十一條與範本第二十二條第一項與第二項作有規定，本文認為在「無須事先通知或催告」部分，違反意思表示到達之強行規定而無效，該條款亦違反消保法施行細則第十四條第四款之平等互惠原則；「持卡人為法人或非法人團體之法定代理人、代表人、管理人者，關於該法人或非法人團體經票據交換所公告拒絕往來，發卡銀行可主張使用限制條款及加速條款」部分，無異因第三人之行為而懲罰持卡人，亦違反平等互惠原則（消保法施行細則第十四條第四款）。
    Reference: 一、中文部分
    （一）書籍（依筆劃順序）
    1.王澤鑑，債編總論，民國七十九年。
    2.司維瑄，信用卡定型化契約條款之研究，政治大學法律系碩士論文，中華民國九十一年六月。
    3.黃立，民法總則，二００五年九月。
    4.黃立，民法債編總論，二００六年十一月。
    5.楊淑文，新型契約與消費者保護法，一九九年五月。
    6.詹森林，民事法理與判決研究（三）─消費者保護法專論，二００三年八月。
    7.詹森林，民事法理與判決研究（四）－消費者保護法專論，二００七年一月。
    8.謝佳雯，信用卡約款在消費者保護法上之分析，八十四年台大法律研究所碩士論文。
    （二）期刊
    1.民法定型化契約規範之適用與解釋，朱柏松，月旦法學雜誌，一九九九年十一月。
    2.定型化契約之基本問題，詹森林，月旦法學雜誌，一九九六年三月
    3.定型化契約條款的規制──若干經濟觀點的介紹，楊芳賢，政大法學評，二００五年八月
    4.定型化契約條款效力之規範 ─ 最高法院90年臺上2011號、91年臺上2220號、92年臺上39號判決之商榷，詹森林，律師雜誌，二００四年六月
    5.信用卡約款在消費者保護法之分析，謝佳雯，月旦法學雜誌，一九九六年二月
    6.契約自由的限制，黃立，月旦法學雜誌，二００五年十月
    7.契約自由與定型化契約的管制，陳聰富，月旦法學雜誌，二００二年十二月
    8.消費者保護法：第四講　消保法的定型化契約條款(一)，黃立，月旦法學教室，二００四年十一月
    9.消費者保護法之定型化契約最新實務發展，詹森林，月旦法學雜誌，二００二年十二月
    10.從消費者保護之觀點檢討金融卡盜領之風險分擔原則―以九十年上字第三三○號判決為例，杜怡靜，月旦法學雜誌，二００四年五月
    11.試論民法債編修正對銀行定型化契約中「保證條款」之影響，陳秋華，律師雜誌，一九九九年五月
    12.論消費者保護法上定型化契約規定對於非消費關係之適用--最高法院四則相關判決評釋 (下)，曾品傑，臺灣本土法學雜誌，二００四年一月
    13.論消費者保護法上定型化契約規定對於非消費關係之適用--最高法院四則相關判決評釋 (上)，曾品傑，臺灣本土法學雜誌，二００三年十二月
    14.由信用卡實務問題論消費者信用保護，王偉光，月旦法學雜誌，一九九五年十一月
    15.定型化契約之基本問題，詹森林，月旦法學雜誌，一九九六年三月
    16.信用卡交易中之抗辯的接續，陳洸岳，政大法學評論，二００一年三月
    17.信用卡交易之法律性質及其相關法律問題之研究(1) ─ 信用卡交易之三面法律關係及冒用風險轉嫁條款，楊淑文，政大法學評論，一九九八年三月
    18.信用卡定型化保證條款之效力（一），詹森林，月旦法學雜誌，一九九五年十一月
    19.信用卡定型化保證條款之效力（二），詹森林，月旦法學雜誌，一九九五年十二月
    20.信用卡定型化保證條款之效力（三），詹森林，月旦法學雜誌，一九九六年一月
    21.信用卡附贈旅行平安險的爭議，黃立，臺灣本土法學雜誌，二００三年十一月
    22.信用卡約款在消費者保護法之分析，謝佳雯，月旦法學雜誌，一九九六年十二月
    23.信用卡當前重要法律問題概說，黃茂榮，法令月刊，二００四年十月
    24.信用卡當前重要法律問題概說，黃茂榮，植根雜誌，二００四年九月
    25.冒名申請信用卡的法律關係，黃立，月旦法學雜誌，二００一年五月
    26.從消費權益論信用卡交易行為，尹章華，法律評論，一九九六年九月
    27.從消費權益論信用卡法律關係 (下)，尹章華，司法周刊，一九九六年十月
    28.從消費權益論信用卡法律關係 (上)，尹章華，司法周刊，一九九六年十月
    29.月旦法學教室(5)民法學篇I，林秀雄、詹森林，二００四年九月
    二、英文部分
    1.Consumer credit reform cbl Fri Jul 03 2009
    2.Manning, Robert D Credit card nation : the consequence cbl Fri Jul 03 2009
    3.Christopher C. DeMuth, The Case Against Credit Card Interest Rate Regulation,3 Yale J. on Reg.201
    4.Copyright (c) 2009 National Conference of Bankruptcy Judges The American Bankruptcy Law Journal, Winter, 2009, 83 Am. Bankr. L.J. 1, 7602 words, Article: The Effect of BAPCPA on Credit Card Industry Profits and Prices, Michael Simkovic*
    5.Copyright (c) 2009 The Board of Trustees of the University of Illinois University of Illinois Law Review, 2009, 2009 U. Ill. L. Rev. 403, 26578 words, ARTICLE: TESTING THE SUBSTITUTION HYPOTHESIS: WOULD CREDIT CARD REGULATIONS FORCE LOW - INCOME BORROWERS INTO LESS DESIRABLE LENDING ALTERNATIVES?, Angela Littwin*
    6. Copyright (c) 2009 University of Maine School of Law Maine Law Review, 2009, 61 Me. L. Rev. 171, 18157 words, ARTICLE: CREDIT CARDS, ATTORNEY`S FEES, AND THE PUTATIVE DEBTOR: A PYRRHIC VICTORY? PUTATIVE DEBTORS MAY WIN THE BATTLE BUT NEVERTHELESS LOSE THE WAR, Jennifer M. Smith*
    7. Copyright (c) 2008 South Dakota Law Review South Dakota Law Review, 2008, 53 S.D. L. REV. 37, 9608 words, ARTICLE: THE DEREGULATION OF USURY CEILINGS, RISE OF EASY CREDIT, AND INCREASING CONSUMER DEBT, Steven Mercatante+
    8. American Bankruptcy Institute, 28-2 ABIJ 10, March 2009, In This Issue, Modernizing Consumer Protection in the Financial Regulatory System: Strengthing Credit Card Protections: Two ABI Members Testify before U.S. Senate Banking, Housing and Urban Affairs Committee, Testimony of Adam Levitin, Georgetown University Law Center, Washington, D.C., aj153@law.georgetown.edu Testimony of Todd J. Zywicki, George Mason University School of Law, Arlington, Va., tzywick2@gmu.edu, 3794 words
    9. Copyright (c) 2008 Board of Trustees of the University of Illinois The Elder Law Journal, 2008, 16 Elder L.J. 1, 13952 words, ARTICLE: When Over-the-Limit Is Over the Top: Addressing the Adverse Impact of Unconscionable Consumer-Credit Practices on the Elderly, Donna S. Harkness
    10. Copyright (c) 2008 Regents of the University of California Berkeley Technology Law Journal, Annual Review, 2008, 23 Berkeley Tech. L.J. 405, 17256 words, ANNUAL REVIEW 2008: INTELLECTUAL PROPERTY: COPYRIGHT: Note: A Good Value Chain Gone Bad: Indirect Copyright Liability in Perfect 10 v. Visa, By David Haskel
    11. Copyright (c) 2008 Santa Clara Computer & High Technology Law Journal Santa Clara Computer & High Technology Law Journal, 2008 - 2009, 25 Santa Clara Computer & High Tech. L.J. 375, 17909 words, ARTICLE: DATA BREACHES: WHAT THE UNDERGROUND WORLD OF "CARDING" REVEALS, Kimberly Kiefer Peretti+
    12. Copyright (c) 2008 Fordham Journal of Corporate & Financial Law Fordham Journal of Corporate & Financial Law, 2008, 13 Fordham J. Corp. & Fin. L. 549, 15197 words, SYMPOSIUM: THE ANTITRUST ASPECTS OF BANK MERGERS+
    13. Copyright (c) 2008 Michigan State University College of Law Michigan State Journal of International Law, 2008, 16 Mich. St. J. Int`l L. 573, 37091 words, ARTICLE: THE SINGLE EURO PAYMENT AREA: A NEW OPPORTUNITY FOR CONSUMER ALTERNATIVE DISPUTE RESOLUTION IN THE EUROPEAN UNION, Neil M. Peretz *
    14. Copyright (c) 2008 Chicago-Kent College of Law Chicago-Kent Law Review, 2008, 83 Chi.-Kent L. Rev. 855, 8301 words, ARTICLE: LATE CHARGES, REGULAR BILLING, AND REASONABLE CONSUMERS: A RATIONALE FOR A LATE PAYMENT ACT, Norman I. Silber*
    15. Copyright (c) 2008 Chicago-Kent College of Law Chicago-Kent Law Review, 2008, 83 Chi.-Kent L. Rev. 953, 8546 words, ARTICLE: A REQUIEM FOR SAM`S BANK, Ronald J. Mann*
    16. Copyright (c) 2008 Chicago-Kent College of Law Chicago-Kent Law Review, 2008, 83 Chi.-Kent L. Rev. 605, 13249 words, ARTICLE: UNAUTHORIZED PAYMENT TRANSACTIONS AND WHO SHOULD BEAR THE LOSSES, Francis J. Facciolo*
    17. Copyright (c) 2009 Loyola University Chicago School of Law Loyola University Chicago Law Journal, Spring, 2009, 40 Loy. U. Chi. L.J. 557, 19762 words, ARTICLE: THE CONSUMER DEBT CRISIS AND THE REINFORCEMENT OF CLASS POSITION, By Lois R. Lupica*
    18. Copyright (c) 2009 University of Notre Dame Notre Dame Law Review, January, 2009, 84 Notre Dame L. Rev. 733, 27996 words, ARTICLE: STICKY EXPECTATIONS: RESPONSES TO PERSISTENT OVER-OPTIMISM IN MARRIAGE, EMPLOYMENT CONTRACTS, AND CREDIT CARD USE, Sean Hannon Williams*
    19. Copyright (c) 2009 Allegheny County Bar Association The Lawyers Journal, March 27, 2009, 11 Lawyers J. 6, 1102 words, ARTICLE: PAYMENT CARD INDUSTRY COMPLIANCE: WHAT IT IS AND HOW IT AFFECTS YOU, By Amy Porter
    20. Copyright (c) 2009 University of Oregon Oregon Law Review, 2008, 87 Or. L. Rev. 581, 22596 words, ARTICLE: GOVERNMENT INTERVENTION IN EMERGING NETWORKED TECHNOLOGIES, ERIK LILLQUIST* AND SARAH E. WALDECK**
    21. Copyright (c) 2009 The Trustees of the University of Pennsylvania University of Pennsylvania Pennumbra, 2009, 157 U. Pa. L. Rev. PENNumbra 167, 4411 words, RESPONSE: UNSAFE AT ANY PRICE?, RONALD J. MANN+
    22. Copyright (c) 2009 by Orange County Bar Association Orange County Lawyer, February, 2009, 51 Orange County Lawyer 44, 3198 words, COLUMN: ETHICALLY SPEAKING: ETHICS OPINIONS PROVIDE GUIDANCE IN RESOLVING ATTORNEYS` FEE ISSUES, by Carole J. Buckner
    23. Copyright (c) 2008 Chicago-Kent Intellectual Property Chicago-Kent Journal of Intellectual Property, 2008, 8 Chi.-Kent J. Intell. Prop. 85, 9558 words, ARTICLE: PERFECT 10 V. VISA, MASTERCARD, ET AL: A FULL FRONTAL ASSAULT ON COPYRIGHT ENFORCEMENT IN DIGITAL MEDIA OR A SLIPPERY SLOPE DIVERTED?, Ryan M. Rodenberg, J.D. *, Bryan V. Swatt +, and Pamela C. Laucella, Ph.D. ++
    24. Copyright (c) 2008 Chicago-Kent Intellectual Property Chicago-Kent Journal of Intellectual Property, 2008, 8 Chi.-Kent J. Intell. Prop. 85, 9558 words, ARTICLE: PERFECT 10 V. VISA, MASTERCARD, ET AL: A FULL FRONTAL ASSAULT ON COPYRIGHT ENFORCEMENT IN DIGITAL MEDIA OR A SLIPPERY SLOPE DIVERTED?, Ryan M. Rodenberg, J.D. *, Bryan V. Swatt +, and Pamela C. Laucella, Ph.D. ++
    25. People v. Fyfe, F053360, COURT OF APPEAL OF CALIFORNIA, FIFTH APPELLATE DISTRICT, 2009 Cal. App. Unpub. LEXIS 433, January 21, 2009, Filed, NOT TO BE PUBLISHED IN OFFICIAL REPORTS. CALIFORNIA RULES OF COURT, RULE 8.1115(a), PROHIBITS COURTS AND PARTIES FROM CITING OR RELYING ON OPINIONS NOT CERTIFIED FOR PUBLICATION OR ORDERED PUBLISHED, EXCEPT AS SPECIFIED BY RULE 8.1115(b). THIS OPINION HAS NOT BEEN CERTIFIED FOR PUBLICATION OR ORDERED PUBLISHED FOR THE PURPOSES OF RULE 8.1115.
    26. Cybersource Corp. v. Retail Decisions, Inc., No. C 04-03268 MHP, UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF CALIFORNIA, 2009 U.S. Dist. LEXIS 26056, March 26, 2009, Decidedision, March 27, 2009, Filed
    27. Copyright (c) 2008 Chicago-Kent College of Law Chicago-Kent Law Review, 2008, 83 Chi.-Kent L. Rev. 499, 29837 words, ARTICLE: UNIFORMITY AND DIVERSITY IN PAYMENT SYSTEMS, Clayton P. Gillette* and Steven D. Walt**
    28. American Bankruptcy Institute, 27-10 ABIJ 40, December 2008, Column, Credit Cards and the Law, Written by: Margaret C. Jasper (Oxford University Press, 2007) Reviewed by: Alane A. Becket, Becket & Lee LLP; Malvern, Pa., abecket@becket-lee.com, 914 words
    三、其他
    1.http://www.mjjq.com/blog/archives/92.html
    2.http://cn.exchange-rates.org/history/CNY/TWD/T
    Description: 碩士
    國立政治大學
    法律學研究所
    95651012
    97
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0095651012
    Data Type: thesis
    Appears in Collections:[Department of Law] Theses

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