請教盜刷之定義 - 信用卡
By Cara
at 2015-06-29T07:16
at 2015-06-29T07:16
Table of Contents
事件經過:日前我們出國用了知名訂房網站訂房,於入住check in當日已結清所有費用,
但在退房日遭旅館在持卡人未在場未知情未同意的情況下盜刷以清潔為名目的
費用,且都未收到任何信用卡消費通知(平常是簡訊mail不論金額大小都會有)
已向銀行聲請爭議條款,但因對方提供了照片因而銀行初步判定不是盜刷,
即便我方向銀行表示對方提供的照片並非我方所為(是後來旅館自行布置的...
但銀行仍然要我們出示相關證明文件,像是跟對方一樣用照片,
但是我們我們只是一般的住宿房客,完全沒有想過會遭遇這樣的事,
所以我們自行清潔後並沒有拍照存證....
想請教:1.盜刷的定義為何?是否有相關的法源規定?
2.像這種事件因為我方有入住是就只能認賠了嗎?
訂房條款上有兩點,一點是所有費用會在入住日收取,
第二點是房客可選擇自行清潔或支付清潔費由酒店清潔,
我們選擇自行處理卻因沒有特別存證而在未知情的情況下被非實體交易charge
費用該如何處理呢?
雖然對方有拍照,但是確實非我方所為,而是對方後製...
我們很無奈不知道要怎麼證明,因為房子在那邊不會動但是我們旅客一定會離開,
希望有經驗的板友可以提供經驗,感謝。
--
但在退房日遭旅館在持卡人未在場未知情未同意的情況下盜刷以清潔為名目的
費用,且都未收到任何信用卡消費通知(平常是簡訊mail不論金額大小都會有)
已向銀行聲請爭議條款,但因對方提供了照片因而銀行初步判定不是盜刷,
即便我方向銀行表示對方提供的照片並非我方所為(是後來旅館自行布置的...
但銀行仍然要我們出示相關證明文件,像是跟對方一樣用照片,
但是我們我們只是一般的住宿房客,完全沒有想過會遭遇這樣的事,
所以我們自行清潔後並沒有拍照存證....
想請教:1.盜刷的定義為何?是否有相關的法源規定?
2.像這種事件因為我方有入住是就只能認賠了嗎?
訂房條款上有兩點,一點是所有費用會在入住日收取,
第二點是房客可選擇自行清潔或支付清潔費由酒店清潔,
我們選擇自行處理卻因沒有特別存證而在未知情的情況下被非實體交易charge
費用該如何處理呢?
雖然對方有拍照,但是確實非我方所為,而是對方後製...
我們很無奈不知道要怎麼證明,因為房子在那邊不會動但是我們旅客一定會離開,
希望有經驗的板友可以提供經驗,感謝。
--
Tags:
信用卡
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