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Kreditkarte: Streitigkeiten & Schutz

Wird elektronisch, telefonisch, per Mail oder im Geschäft eingekauft und hierbei die Kreditkarte eingesetzt, besteht in allen europäischen Ländern ein Schutz.

Dass jeweilige nationale Gesetz sollte es Ihnen ermöglichen, Fehler bei der Abrechnung (entweder wegen eines falschen Betrags oder für ein Produkt, das nicht von Ihnen bestellt wurde) zu melden und Abrechnungen zu bestreiten, ohne dass während der Dauer der Klärung der Sache Gebühren anfallen. Um Ihren Schutz zu erhöhen, sollten Sie den Kreditor an seiner Adresse, die in der Abrechnung für Rückfragen zur Abrechnung angegeben ist, anschreiben. Wir empfehlen, dabei Ihren Namen, Ihre Adresse, die Kreditkartennummer anzugeben und eine Kopie der Abrechnung beizufügen sowie den Abrechnungsfehler zu erklären. Dies sollte schnellst möglich nachdem Sie die Abrechnung mit dem Rechnungsfehler erhalten haben, erfolgen. Es empfiehlt sich zudem Ihren Nachweis per Einschreiben zu schicken. Im Idealfall, auch wenn dies nicht gesetzlich vorgeschrieben ist, sollte das Kreditkartenunternehmen Ihnen innerhalb von 30 Tagen nach Eingang den Erhalt Ihrer Beschwerde bestätigen, es sei denn, das Problem wurde zwischenzeitlich gelöst.

Ihre Haftung für eine unbefugte Nutzung Ihrer Kreditkarte ist im Vertrag mit der zuständigen Bank oder dem Kreditkarteninstitut geregelt und abhängig davon, wann der Kartenverlust bzw. -diebstahl gemeldet wurde.

Bei Nutzung der Kreditkarte sollten Sie über diese Regeln und Bestimmungen informiert sein. Um Ihre Rechte zu kennen, erkundigen Sie bei ihrer Bank oder dem Kreditkartenunternehmen nach den Haftungsbestimmungen.

 

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