Page 6 - Anuario25

Alvarado M.

Abstract

Having appeared the post-industrial society, it arises the revolution in the rende-
ring of services and in the acquisition of goods, it comes into being the plastic
money, being an expression of the same the Credit Card, thus becoming the best
system of payment which substitute money, that produces activity in economy and
propulsive of consuming, whose main characteristics are expressed in terms of te-
chnological advance, speed in transactions, resources optimization, moreover, it is
a sign of social status and an auxiliary of the common citizen, all of this developed
on the basis of a system that constitutes an efficient banking and financial service.
In this social activity and economic context, it has been inserted in the culture of
common citizen the use of credit card, which is theoretically treated in this paper
in order to determine juridically the system which is not regulated in Venezuela in
integral form. However, in this proposal it is pretended to consider the different po-
sitions developed concerning the theme, and the applied juridical regulation, to fix
proper judgments related to the way of payment of Credit Card, which nowadays
is presented in many of the commercial operations of acquisition of goods and
services.

Key words: Credit Cards, juridical regulation, way of payment, doctrinaire analy-
sis, Juridical relation of the credit card.

Introducción

En mi condición de Abogado, Profesor Universitario en la Cátedra de Derecho
Mercantil y muy especialmente en mi condición de Usuario surgió la inquietud y
la necesidad de abordar, doctrinariamente hablando, el tema relacionado con la
Tarjeta de Crédito, dada su importancia, particular naturaleza, y debido a su gran
utilidad práctica.

La Tarjeta de Crédito objeto de la presente investigación, es hoy uno de los
medios de pago por excelencia, es protagonista en las transacciones comerciales
a nivel mundial, ha ocupado un lugar preponderante en las relaciones de índole
económico, desde su origen en el mundo moderno ha avanzado -en lo que a su
evolución se refiere- rápidamente como podrá apreciarse en el capitulo referente
a sus antecedentes históricos.

Anuario de Derecho 16