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No. 2 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Issuing Bank May Adjust Credit Limit Based on Cardholder's Credit Standing Pursuant to Contract - a case of Qiu A v. Credit Card Center A on credit-card disputes
2018年度上海法院金融商事审判十大案例之二：邱某与甲信用卡中心信用卡纠纷案——发卡行有权依约根据持卡人资信状况调整信用卡额度
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| No. 2 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Issuing Bank May Adjust Credit Limit Based on Cardholder's Credit Standing Pursuant to Contract - a case of Qiu A v. Credit Card Center A on credit-card disputes | | 2018年度上海法院金融商事审判十大案例之二：邱某与甲信用卡中心信用卡纠纷案——发卡行有权依约根据持卡人资信状况调整信用卡额度 |
| [Gist] | | 【裁判要旨】 |
| The Contract on Issuance and Use of Credit Card (the “Credit Card Contract”) between the issuing bank and the cardholder provided that the bank may adjust the credit limit basing on changes in the cardholder's credit standing, and such provision is held by the Court as valid. To determine whether any agreed change occurred to the credit standing of the cardholder, comprehensive considerations shall be given to factors such as the number, amount and time of overdue repayments as well as repayment of debts of other credit cards by the cardholder. | | 信用卡领用合约中，当事人关于发卡行有权根据持卡人资信状况变化调整信用卡额度的约定有效。持卡人是否发生约定的“资信状况变化”，可以从案涉信用卡逾期还款次数、逾期还款金额和时间以及持卡人其他信用卡还款情况等方面，综合予以判定。 |
| ．．．．．． | | 【基本案情】 |
| | 2012年9月6日，邱某（乙方）向甲信用卡中心（甲方）申请办理信用卡并填写申请表。申请表上，邱某手写“本人已阅读全部申请材料，充分了解并清楚知晓该信用卡产品的相关信息，愿意遵守领用合同的各项规则”，并且签名确认。关于信用额度调整，《领用合约》第二条第一款约定：“甲方有权根据乙方资信状况的变化随时调整其信用额度并以电话、书面或其他方式通知乙方。该调整一经甲方作出即对乙方具有约束力。”合同签订后，甲信用卡中心向邱某发放信用卡，信用额度为2万元。2012年11月，2013年3月、6月、9月，2014年2月、3月，2017年5月、6月，2018年3月，案涉信用卡均发生逾期还款。原告持有的其他四家银行信用卡也在2017年存在多次逾期还款。2018年3月29日，甲信用卡中心以短信方式通知邱某调减信用额度至1万元。邱某遂诉至法院，要求恢复案涉信用卡原有信用额度2万元。 |
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