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信用卡纠纷最常见的法律风险是担保责任问题,需进行深入分析随着信用卡支付比例逐步攀升,信用卡纠纷事件也逐渐增多。对于金融机构,笔者认为信用卡纠纷最常见的法律风险是担保责任问题,例如,保证人是否可以因信用卡诈骗而“脱保”?债权人能否要求部分保证人承担保证责任或者承担部分责任?最高额抵押担保的信用卡业务是否因法院查封抵押物后丧失优先权?就这三个典型问题,笔者尝试进行分析。
The most common legal risk of credit card disputes is the issue of guarantee liability, which requires in-depth analysis. As the proportion of credit card payment gradually increases, the number of credit card disputes also gradually increases. For financial institutions, the author believes that the most common legal risk of credit card disputes is the issue of security liability, for example, whether the guarantor can be “de-insured” because of credit card fraud. Can the creditors require some guarantors to assume the guaranty liability or partial liability? Whether the mortgage-backed credit card business loses its priority after the court secues the mortgaged property? On these three typical issues, the author tries to analyze.