A cláusula-mandato nos contratos de cartão de crédito

Abstract

This is a dissertation about the use of the mandate clause in credit card contracts, whereby the holder authorizes the issuer to negotiate and obtain credit from financial institutions on their behalf and on their behalf, to sign financing agreements , open an account and move the amounts financed, set deadlines, interest and debt charges, as well as interest rates, issue bonds representing the debit or, alternatively, substituting, in whole or in part, the mandate granted. Since the credit card agreement does not have specific regulations, several aspects, such as the illegality of the mandate clause, remain under discussion, although the Superior Court of Justice has already established the contrary view, that is, in the sense that this covenant is legal. However, it is necessary to review how the mandate is employed by the issuer and the issuer must report to the holder on the financing made using the powers granted in the mandate clause.