[問題] 商家未經允許刷卡算盜刷嗎?
太太去年底跟某知名美語購買約20萬的書籍&教具
並且用國泰世華信用卡(額度10萬)寫授權書分三期付款
第一次商家刷國泰世華6萬, 順利刷過
第二次商家刷國泰世華7萬, 因第一期帳單還沒繳納, 所以刷不過
商家客服打電話告知太太刷不過
於是太太在電話上臨時給客服台新銀行信用卡,讓商家刷了第二期
而且太太跟客服強調只有第二期用台新銀行, 第三期還是用國泰世華
上週五(2/3), 第三次商家刷國泰世華7萬, 也發生金額不足無法刷過
商家客服打電話通知太太說國泰世華刷不過
我太太告知客服周六會去提前繳納國泰世華帳單, 讓商家周一可以順利刷過
結果今天周一, 商家未做任何通知下改刷台新銀行信用卡7萬
我有兩個問題想請教版友
1. 太太只在電話授權商家用台新銀行繳納第二期帳單
商家未經允許就拿來刷第三期是否合法?
2. 商家私下保留台新銀行信用卡資訊, 這符合常理嗎?
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說明一下我在意的點
這家商家在沒任何授權書,沒有簽名,沒有電話確認下
只是因為持有我太太台新銀行信用卡資訊, 就可以直接刷卡?
※ 編輯: kulami (114.45.160.12), 02/07/2017 09:04:29
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