Abstract:
Credit cards are one of the new instruments in the trading world that have a monetary value, so they can be
used as a tool for transactions. However, credit cards cannot be called securities because they cannot be
transferred. As a means of payment, the development of its use is increasingly widespread so this has
legal consequences for the parties involved in the use of the credit card, considering that the legal regulations
are still relatively weak. The research method used is qualitative research with a normative juridical approach
with descriptive analysis research specifications. This research uses secondary data as the main research
material, which is obtained through documents. The data obtained will be analyzed qualitatively
normative. The legal aspect of using credit cards in trade in Banda Aceh City is that every agreement that
occurs is an incidental (a certain time) agreement, which arises at the time of buying and selling transactions or
services. The mechanism of each credit card issuing bank is always different in giving approval, but the terms
and procedures are relatively the same. Legal protection for the parties in using credit cards occurs at the time
of signing the credit card approval agreement between the issuer and the credit card user because legally
there is no law that explicitly regulates it. It is recommended that there be wider legal protection efforts from
the government, not only consumers in the sense of credit card holders but in certain cases, the sellers of
goods/services and card issuers are also parties that need to receive balanced legal protection, including the
affirmation of the rights of consumers. each party to sue the other party.
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