The Force of Law

Kad kredit hilang atau dicuri?

By Edward Cheah

KUALA LUMPUR, June 9 – The High Court ruled today that the maximum
that can be charged to a credit cardholder who has lost his/her credit
card is RM200.

Lawyer Datuk Vijaya Kumar told The Malaysian Insider that Diana Chee
Vun Hsia discovered her credit cards missing a day after they were
stolen. She then reported it to the issuing banks.

Citibank informed her that RM1,851 had been charged the day it was
stolen and that, according to company policy, she was deemed liable
for the full amount because she did not report the card stolen within
one hour. She took Citibank to court to challenge this policy late last year.

Today, the High Court found in her favour when it said that, according
to Bank Negara guidelines, the maximum that can be charged to the
cardholder by credit card companies after a card is stolen is RM200,
regardless of any company policies regarding elapsed time or amount.

Justice Datuk Mohamed Apandi Ali said that the Bank Negara guidelines
“have the force of law.” – Bernama

Kalau kad kredit kena curi, tak patut pemegang kad kredit tersebut yang kena tanggung. Oleh kerana dengan kad kredit mudah sangat dicuri dan diguna orang lain, mungkin sudah tiba masanya bagi bank-bank di Malaysia tambah lagi ciri keselamatan pada kad kredit, contohnya sewaktu transaksi pembayaran menggunakan kad, pemegang kad perlu memasukkan nombor pin. Sekurang-kurangnya pencuri kad kredit tak boleh guna sebab tak tahu nombor pin.

Teknologi dah maju pun masih belum mahu dimanfaatkan demi keselesaan dan keselamatan.