女欠繳1萬卡費遭停卡 銀行判賠8萬 - 信用卡
By Edward Lewis
at 2016-04-07T12:17
at 2016-04-07T12:17
Table of Contents
新聞來源:蘋果
新聞標題:女欠繳1萬卡費遭停卡 銀行判賠8萬
新聞內容:
台北市陳姓女子因丈夫去年底延遲繳納台北富邦銀行信用卡卡費,導致她的兩張副卡遭停
用,並被通報為「強制停用、款項未繳」,且被銀行列為拒絕往來戶,其他信用卡也因此
遭降低額度,陳女認為,銀行未通知她繳款,就直接停卡並註記信用不良,已損及她名譽
,求償15萬元並要求登報道歉,台北地院今判台北富邦需賠8萬元;仍可上訴。
從事人力資源業的陳女指出,她2012年起使用丈夫向台北富邦申辦的2張信用卡副卡,依
信用卡使用規定,銀行應向陳夫收款,若陳夫未繳款,銀行可針對她持用副卡的消費金額
要求她支付,但去年1月銀行告知她有欠款1萬1千餘元,她要求銀行提供消費明細以利繳
款,卻直接被停卡並向聯合徵信中心通報註記信用不良,她認為銀行作業有疏失,導致她
無法申辦貸款,影響公司營運,因此提告求償。而銀行在去年8月將陳女副卡消費明細提
供給她後,陳女已在6天後繳清欠款。
台北富邦銀行認為,向聯徵中心註記陳女未繳款前,已以信件通知陳夫住處,並未有疏失
,法院認定,依《信用卡業務自律公約》銀行向聯徵中心通報用戶債信不良前5天,應向
持卡人通知通報原因及可能影響,以利清償,但銀行無法證明向聯徵中心通報前有通知陳
女本人,導致陳女信用損害,判賠8萬元。(劉志原/台北報導)
新聞網址:http://goo.gl/ZFSJ43
--
新聞標題:女欠繳1萬卡費遭停卡 銀行判賠8萬
新聞內容:
台北市陳姓女子因丈夫去年底延遲繳納台北富邦銀行信用卡卡費,導致她的兩張副卡遭停
用,並被通報為「強制停用、款項未繳」,且被銀行列為拒絕往來戶,其他信用卡也因此
遭降低額度,陳女認為,銀行未通知她繳款,就直接停卡並註記信用不良,已損及她名譽
,求償15萬元並要求登報道歉,台北地院今判台北富邦需賠8萬元;仍可上訴。
從事人力資源業的陳女指出,她2012年起使用丈夫向台北富邦申辦的2張信用卡副卡,依
信用卡使用規定,銀行應向陳夫收款,若陳夫未繳款,銀行可針對她持用副卡的消費金額
要求她支付,但去年1月銀行告知她有欠款1萬1千餘元,她要求銀行提供消費明細以利繳
款,卻直接被停卡並向聯合徵信中心通報註記信用不良,她認為銀行作業有疏失,導致她
無法申辦貸款,影響公司營運,因此提告求償。而銀行在去年8月將陳女副卡消費明細提
供給她後,陳女已在6天後繳清欠款。
台北富邦銀行認為,向聯徵中心註記陳女未繳款前,已以信件通知陳夫住處,並未有疏失
,法院認定,依《信用卡業務自律公約》銀行向聯徵中心通報用戶債信不良前5天,應向
持卡人通知通報原因及可能影響,以利清償,但銀行無法證明向聯徵中心通報前有通知陳
女本人,導致陳女信用損害,判賠8萬元。(劉志原/台北報導)
新聞網址:http://goo.gl/ZFSJ43
--
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信用卡
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