Today everyone wants everything that has to be a practical and economical, especially in terms of the transaction and payment system or one solution is to pay bills by credit card or by internet banking, which has provided many national banks and private banks in Indonesia.
The use of banking facilities such as a credit card cannot be separated from the function of banks in the economic field that serves as an intermediary financial institution, which means, on one side of the bank can do fund raising from the public, and on the other hand the bank can make the distribution of funds collected from society to society's its own. So the credit card is one of the cards issued by banks that its usefulness as a means of payment in places such as markets, supermarkets, hotels, restaurants, entertainment venues, and other places, the use of various types of credit cards due to several factors: for comfort, convenience, and practical elements for its users.
So when providing credit card facilities to their customers should be aiming for something better for the user's credit card, resulting in the element of trust from the bank that the customer can credit his performance or be able to repay the loan in accordance with the agreed time.
Credit cards ranked in the short-term credit that is currently in demand in the community because the interest charge is a light that is not more than 5% (five percent). As for the banks to provide short-term credit then that would minimize the risk faced by banks such as the breakdown of bill payments or bad credit.
Mechanism of acquisition of credit cards is not difficult because it requires an ID card and pays slips and fills out a form provided by the bank. After that bank lending to the feasibility analysis that includes surveys, then checked by doing a blacklist issued by Indonesian banks and other banks do crosscheck as another fellow credit card issuer that the applicant has only one credit card from credit card issuers. along with the use of credit cards is increasing from year to year does not rule out the possibility arose of credit card abuse others with a variety of modes that cause harm not only to banks but also for people who use the credit card itself, it can result in bad debts that can be interfere with the national banking system and weaken the Indonesian currency exchange rate against foreign currencies.
Of misuse of credit card crime that caused it will have a strategic value, in addition to the national crime. Misuse of credit cards are also cross-border or transnational crimes, because the credit cards issued in Indonesia can also be used outside the country as long as its use in place of payment that has the same logo with the logo of the credit card issuer. For example, an Indonesian citizen who went to Germany, where he used the MasterCard credit card to pay for the purchase and sale transactions on the EDC (Electronic Draft Capture) that the perpetrators afterward logo MasterCard credit card discard or not paying bills on his credit card so that the perpetrators of the act could harm Germany as currency in circulation cannot be returned properly and become bad debts. This has meant that credit card crime is cross country or Transnational.
By looking at the increasing crime in the criminal perpetrators of credit card consists of one person or class of people who have a high level of intelligence with the utilization of sophisticated technology. Therefore it is appropriate that such offenders sentenced to the maximum penalty as threatened by regulatory legislation in order commensurate with the crime that he did.
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