[馬來西亞] 信用卡被盜用5年官司‧要卡主還款‧銀行敗訴

hotcornet

（柔佛‧新山）信用卡被人在吉隆坡安邦和檳城盜用，銀行要卡主負責繳付被提領的款額，經5年對簿公堂後，推事庭判銀行敗訴並須付堂費。
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$ A/ t0 |$ [% Z' ?tvb now,tvbnow,bttvb卡主是現年41歲的蔡慧珠（譯音），來自新山，她是業務經理。本案訴方是花旗銀行。
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& I+ x( }" a+ A3 \5 O# f- G答辯人蔡慧珠（譯音）在2003年5月27日接到花旗銀行信用卡的戶頭結單後，發現在當年4月29日至5月1日之間，她的用信卡戶頭被不明人士在吉隆坡安邦和檳城盜提7次，合共1萬1000令吉。她後來通知花旗銀行並向警方投報，也向國家銀行投訴。os.tvboxnow.com% v0 ]2 y" @* l7 H/ v- m
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她的辯護律師馬利亞班說，辯方也出示僱主信件，以證明她在上述期間在巴西古當工作，所以她是不可能到安邦和檳城的提款機去提款的。
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花旗銀行是在2003年在吉隆坡推事庭，要求法庭判令辯方繳還上述期間的提款額，另加利息、律師費和堂費等合共1萬3648令吉40仙。
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本案後來移下新山推事庭聆審，推事拉茜達在週四（12月31日）下判時指出，辯方已盡了卡主的責任，包括通知銀行這盜提事件，向警方報案，以及向國家銀行投訴。同時，本案在安邦盜提案的錄像顯示有第三者在提款機前取錢。
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推事指出，辯方在這事件中有依循信用卡合約中的條文行事，即採取合理的步驟以通知銀行有關信用卡被盜用的事。辯方也有帶雇主的代表上庭證明她事發期間有在巴西古當上班。
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她因此判起訴人敗訴，並須付堂費。訴方的代表律師是蘇那克利斯南。

weisiang80

As a banker myself, I think the judgement is not fair to the Bank.+ Z0 V* Q# k2 X6 D. u8 G$ |5 D
Although we know that customer does not has the intention to let a 3rd party using her cards, but it is also a customer resposible to take a good care on his/her own cards.
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cheongpeng

I disagreed with weisiang. I think the judgement is fair because despite the customer already proved that she is a victim. Why victim has to pay? Well done the judge. Make it a lesson to Citibank.

weisiang80

Cheongpeng, I do agree with your statement and also understand where you are coming from (which is the customer point of view).* b, M1 p7 X2 @! l
But sometime, a small punishment should also be charge to the ocnsumer for their negligence in order to alert them from repeating the mistake again.
& R) K. l* d4 I公仔箱論壇And yes, I also agree that the full sum amount should not be charge to the customer (which is against my profession point of view), maybe a minimum of RM 250 which recently hightlighted by BNM should good enough.公仔箱論壇) `) f  K8 Z. |
But bare in mind that, such clauses will be exploit by those irresponsible credit card users. Thus, it also a double edge swords.
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