随着我国信用卡发卡量的不断攀升以及持卡人权益保护意识的不断觉醒,商业银行信用卡类被诉案件增长明显。而在当前经济增速放缓的背景下,使用信用卡所累积的纠纷更可能呈现井喷式爆发,商业银行面临的法律风险也日趋严峻,此种趋势已被部分商业银行信用卡类被诉案件的发案情况所证实。本文全面梳理了商业银行涉讼案件,对发案最多的四类典型案件进行了介绍和分析,并在此基础上就银行相关制度流程的改进提出了具体建议,以期促进商业银行信用卡业务的健康有序发展。 With the continuous rising of the credit card issuance amount in our country and the constant awakening of the cardholders’ rights and interests protection awareness, the number of the accused credit card types in commercial banks has increased significantly. In the current economic slowdown background, the use of credit card accumulated disputes are more likely to show a blowout, the legal risks facing commercial banks are also increasingly severe, this trend has been part of the commercial bank credit card cases were sent to the issue Case confirmed. This paper comprehensively sorts out the cases of commercial bank litigation, and introduces and analyzes the four typical cases that have the most cases. On this basis, I put forward some specific suggestions on how to improve the bank-related system process so as to promote the health of commercial bank credit card business Order development.