By Raphaël MORENON
3 August 2025
The payment card has become an everyday tool, a reflex for paying for purchases or withdrawing cash. Behind this trivial gesture, however, lies an often dense and technical contract between the user and his bank. This document, known as the carrier contract, is not just a form. It establishes a precise legal framework that defines the rights and obligations of each party. Ignorance of it is the source of many disputes, particularly when unauthorised transactions or malfunctions occur. Understanding the workings of this contractual relationship is therefore essential for any cardholder wishing to assert their rights. The aim of this article is to decipher this contract, in addition to our complete legal guide to payment cards, to give you the essential keys to understanding it. The contract between the issuer and the cardholder Issuing a payment card is not automatic. It is...
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