G.R. No. 141761. July 28, 2006
MAIN TOPIC – Credit Card
- Respondent Feliciano is the holder of PCIBank Mastercard issued and managed by petitioner Bankard, Inc. An extension of the card was issued to his wife, Mrs. Feliciano.
- In 1995, respondent used his PCIBank Mastercard to pay a breakfast bill in Toronto, Canada. The card was, however, dishonored for payment. Respondent’s guest had to pay for the bill.
- Respondent immediately called the Bankard Inc., to inquire on the cause of dishonor and was informed that the reason was the nonpayment of his last billing statement. Respondent denied that he failed to pay, and requested the person on the line to verify the correct status of his credit card again. Respondent likewise called his secretary