TINJAUAN TERHADAP PENERAPAN SURCHARGE OLEH PELAKU USAHA KEPADA KONSUMEN DALAM TRANSAKSI MENGGUNAKANKARTU KREDIT

Abstract

The implementation of credit card is inseparable from the legal relationship
that occurs behind it all, the legal relationship between the credit card company
and the credit card holder or the merchant, as well as the legal relationship
between the credit card holder and the merchant where the credit card holder is
shopping. In the regulations there is no regulation clearly related to surcharge
even in the explanation.
This type of research can be classified in the type of sociological legal
research, because in this study the authors immediately conduct research on the
location or place under study in order to provide a complete and clear picture of
the problem under study. This research was conducted in Pekanbaru City, while
the population and samples were Cards and Merchant Business Managers,
Assistant Sales Cards and Merchant Business, Merchant Branch Relationship,
Merchants, and Consumers. The data sources used are primary data, and
secondary data. Data collection techniques in this study were interviews,
questionnaires, and literature review.
The conclusion that can be obtained from the results of the study is The
application of Surcharge by Business Actors to Consumers is very detrimental
and does not provide a sense of justice for consumers. business actors who still
make additional costs to consumers without considering the objections of
consumers in each transaction. Though the actions taken give a loss to consumers
in each transaction. Protection of Consumers in the Application of Surcharge by
Business Actors in Transactions using Credit Cards still does not fully obtain
legal protection, moreover consumers do not complain about the imposition of
surcharge. efforts made by consumers towards the application of Surcharge in
providing Justice for Consumers by conducting a BNI Credit Card Complaints
Unit via email or fax no later than seven days after the transaction date.
Complaints from the card holder will then be examined and processed by the BNI
Card Business Unit no later than 14 working days and the additional fees charged
by the merchant will be returned in the form of a credit balance on the credit card
bill the following month.
Keywords: Application, Surcharge, Merchant, Consumers, Transactions, Credit
Cards