The second part discuss about credit card " function and law character , analyse credit card " contract and credit card " s assure , report the loss of credit card and overdraft of credit card , credit card consmmate etc . the writer want to illuminate the credit card law connection " essential by the investigation about credit card exchange ' s basic tache and privy c " relation ; the duty they ought to assume ; and introduce the law criterion inside and outside , probe into the measure that how to keep away credit card " risk 通过对信用卡的功能、信用卡运作过程、信用卡交易的基本环节、涉及的当事人来阐明信用卡法律关系的实质，同时通过信用卡的案例来进一步分析信用卡合同中各当事人之间的权利义务关系以及应承担的责任；以信用卡的担保、透支和挂失为切入点，揭示与信用卡业务密切相关问题的法律性质、法律关系和各当事人所应当承担的风险责任；介绍了国内外有关信用卡业务方面的法律规制，探讨信用卡业务的风险防范措施。
Ginseng if lose medical treatment to be sure to get stuck , keep staff , answer to serve a phone to deal with oral report the loss of sth through restricting calorie of bank instantly , service phone is respectively : branch of guangzhou of chinese light big bank 95595 , branch of guangzhou of chinese agriculture bank 95599 , guangzhou city commercial bank 83966288 ; hold id original and photocopy inside 3 days , to either of the bank that make card business site deals with formal and written report the loss of sth , application reissues to get stuck newly 参保人员如遗失医疗保险卡，应立即通过制卡银行服务电话办理口头挂失，服务电话分别为：中国光大银行广州分行95595 ，中国农业银行广州分行95599 ，广州市商业银行83966288 ；并在三天内持身份证原件及复印件，到制卡银行任一营业网点办理正式书面挂失，申请补发新卡。
By reviewing a civil lawsuit case of fake credit card use , combining common practice and basing on relevant law regulations , three focuse issues are put forward in this article , that is : commercial customers have or not have the duty to examine and compare the signature with pos signature ; how to identify the responsibility when credit card is lost , pilfered and credit transaction taken play before credit card holder reporting the loss of credit card in the condition of secret code plus signature ; the relevant departments have or not have the suitable law basis to the disputes arising from " wrong tally signature " 摘要回顾一起关于信用卡冒用诉讼案的案例，结合工作实践，立足相关的法律法规，提出关于“签名争议”的三个焦点问题，即商户有无义务认真审查信用卡背面的签名与pos单上的签名一致；对于“密码签名”的信用卡，发生失窃、冒用等情况，在挂失前已产生非本人交易时，责任如何界定；对于由“签名不符”引发的争议，相关部门有无适用的法律依据。
If cmb commercial cards holders lose or have stolen their cards , their losses suffered 48 hours before the report from false use will be shared by cmb , as long as they timely report the loss to banks and go through simple application procedures , 15 , 000 rmb yuan at the most each year , hence effectively ensuring card safety 招商银行商务卡持卡人在卡片丢失或失窃后，只要及时向银行挂失并履行简单申请手续，则挂失前48小时内发生的被冒用损失将由招商银行分担，最高为每年人民币15000元，有效保证了卡片使用的安全性。
