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"Ketergantungan warga negara Indonesia terhadap kartu kredit telah naik secara drastis dalam dekade terakhir ini. Hal ini mungkin menunjukan semakin bertambahnya masyarakat menengah di negara ini, tetapi sayangnya tidak semua pengguna kartu kredit sadar akan kewajiban utamanya untuk pembayaran. Di sisi yang lain, Bank-bank di Indonesia dihadapkan dengan banyaknya kendala untuk menyelesaikan pembayaran kartu kredit. Sehingga, bank-bank tersebut sering menggunakan debt-collector untuk secara efektif mendapatkan pembayaran. Dalam hukum Indonesia, debt collector memang tidak dilarang. Tetapi, banyak kasus dimana debt collector menggunakan metode yang mengikutsertakan gangguan, penyiksaan, intimidasi, serangan verbal maupun fisik, blackmails dan cara-cara lainnya. Cara-cara ini mungkin efektif dalam mendapatkan pembayaran. Tetapi hal ini diduga keras melanggar hak-hak konsumen terhadap kenyamanan, keselamatan dan keamanan yang dilindungi dalam Pasal 4 Undang-Undang Perlindungan Konsumen No. 8 tahun 1999. Menyikapi kekhawatiran dari berbagai macam pihak tentang metode-metode yang digunakan oleh debt collector, Bank Indonesia telah memang membuat beberapa peraturan yang mengatur tentang penagihan hutang kartu kredit. Namun, dalam analisis yuridis normatif yang digunakan dalam skripsi ini, peraturan-peraturan ini Penulis rasa tidak cukup untuk melindungi hak-hak konsumen atas kenyamanan, keselamatan dan keamanan.

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Indonesian citizens' reliance on credit card has tremendously increased in the last decade. This fact may suggest the growing number of middle-class citizens in this country, but not all credit card users realize their primary obligation to repayment. On the other hand, Indonesian banks are confronted with a myriad of legal obstacles in securing repayment from their customers. Given such obstacles, banks often resort to hire debt collectors to effectively seek for remedy.

Under Indonesian law, debt collectors are indeed not prohibited. However, many debt collectors have used various methods involving "harassment, abuse, intimidation, verbal and physical attacks, constant blackmails and many others" to secure their clients' right to repayment. These methods might be effective to forcefully acquire the repayment, but they substantially violate the credit card users' rights to comfort, safety and security enshrined in Article 4 of Law No. 8 Year 1999 on Consumer Protection.

In response to various stakeholders' concern on the methods used by debt collectors, Bank Indonesia has indeed enacted some regulations governing debt collection practices. The most recent ones are Bank Indonesia Regulation No. 14/2/PBI/2012 and Bank Indonesia Circular Letter No. 14/17/DASP. However, as will be elaborated in this writing that employs legal normative analysis, these newly enacted regulations are slightly insufficient to protect the credit card users' right to comfort, safety and security."

"In globalization era and growth of business which progressively wide in this time, where commerce have been conducted not merely passing by domestic but also overseas (borderless), hence good support facility and medium is needed for the fluency of commerce. In the growth of business world, the banking industry is one of the supporters of efficacy of business conducted by all entrepreneurs.In a vast growth of technology, society become critical and progressively tends to claim amenities from banking industry. Client thinks more of doing transaction expenditure not in cash but with non-cash, which is credit card.Transaction with this credit card give value added amenity to the owner (card holder), because they needn't to carry cash anymore in quite a lot number, so that they will feel more practical and peaceful when can spend with credit card.Intention of this research is to know and answer concerning how calculation of treatment of taxation of credit card industry especially of reward accepted by publisher of credit card, arising out problems of usage of credit card and also rewards accepted by publisher of credit card and also the bearing of with calculation of his Tax.This research object is one of the bank or publisher of credit card, and some owners of existing credit card is region of Jakarta. Research method design covers data collecting technique and technique analyze data through interview with a few relevant parties, for example with owner of credit card, publisher of credit card in this case financial institution or banking, and also other parties for example from internal revenue which is very know categorically concerning how implementation or imposition of Tax of credit card product or service published by banking party or this financial institution.This research result is governmental opportunity extend body taxpayer or corporate world leave open wide so that the needed is how to net and isn't it the potency creatively and success. With Tax incentive or restitution, consumer tend to use card and finally will push merchant, shop, and middle retail under to apply expense pass card. Hereinafter, all this transactions will be gathered in one data center which is very good for compiling monetary strategy, economics, system payment of national, domestic commerce, and acceptance of Tax.With Tax incentive or restitution, consumer tend to use card and finally will push merchant, shop, and middle rite under to apply expense pass card. Hereinafter, all this transactions will be gathered in one data center which is very good for compiling monetary strategy, economics, system payment of national, domestic commerce, and acceptance of Tax. This transaction will create cashless society in narrow tight meaning. For payment transaction of non-cash, smaller circulation of bank note and narrow circulation of bad coin.Support require to and readiness of corporate world in concerned in transaction area payment of this electronics, start from bank, merchant, and service payment of electronics. The parties in concerned this do not be harmed or decrease fee."