الطبيعة القانونية لبطاقات الائتمان المصرفية

Abstract EN

Credit cards are advanced and modern methods that do not specify the legal basis for the legislator so the jurisprudence differed in the statement of the legal nature of the bank credit card system, due to dispute and jurisprudence controversy to the multiplicity of parties to the legal system of credit cards, which is the bank card issuer and who has the right to issue the card to customers, The card holder, who obtains the plastic card from the issuing bank, and the trader who accepts to deal with the plastic cards of their holders as an electronic payment method for the value of goods and services provided to customers, Which is made up of two contracts; a contract concluded between the trader and the issuer of the card called the dealer's contract, and a contract between the customer the cardholder and the issuer of the card and called the contract of accession.

For the purpose of stating the legal basis of the bank cards, the first view to determine the legal nature of credit card contracts.