Page 123 - 信用卡業務及法務之理論與實務(增修訂三版)

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美國消費者信用 保護 法之規定 較 英 國法之規定 周 延 ，
不會因信用卡交易之 類型 為三造 或 開 放 體系而影響持卡人
抗辯 權的行使，而持卡人 須 已 盡 其 善 意 試 圖 與特 約 商 店 解

決 該 爭議 未 果，且有 最低 交易金 額 及在一定 距 離內之 限 制
條 件 ， 方 得以對 抗 特 約 商 店 之 抗辯 事 由 來對 抗 信用卡發卡
機構， 並 有 最高請求 或抗辯 金 額 之 限 制。但 如 發卡機構 介
約
商
約
之交易
入
督
控
制之
構監 或 參 與持卡人與特 情 形 ( 即 類似 店 三造卡交易 或 特 類型 商 ) 店係 受發卡機
，則持卡人可
不受 上述 交易金 額 及 距 離的 限 制，而 僅 受 最高請求 及 抗辯
金 額 之 限 制。

a method of payment or extension of credit if
ent or problem relative to the transaction from
to obtain satisfactory resolution of a disagreem (1) the obligator has made a good faith attempt
the person honoring the credit card; (2) the amount of the initial transaction exceeds $50; and
(3) the place where the initial transaction occurred was in the same State as the mailing
address previously provided by the cardholder or was within 100 m iles from such address,
except that the limitations set forth in clauses (2) an d (3) with respect to an obligator's right to
assert claims and defenses against a card issuer shall not be applicable to any transaction in
which the person honoring the credit card (A) is the same person as the card issuer, (B) is
controlled by the card issuer, (C) is under direct or indirect common control with the card
issuer, (D) is a franchised dealer in the card issue r's products or services, or (E) has obtained
the order for such transaction through a mail so
card issuer in which the cardholder is solicited to enter into such transaction by using the licitation made by or participated in by the
credit card issued by the card issuer. (b) Amo unt of claims and defenses assertible: The
amount of claims or defense asserted by th e cardholder may not exceed the amount of credit
outstanding with respect to such transaction at the time the cardholder first notifies the card
issuer or the person honoring the credit card of such claim or defense. For the purpose of
determining the amount of credit outstanding in the preceding sentence, payments and credits
to the cardholder's account are deemed to have been applied, in the order indicated, to the
payment of: (1) late charges in the order of their entry to the account; (2) finance charges in
the order of their entry to the account; and (3) debits to the account other than those set forth
above, in the order in which each debit entry to the account was made. 」