我国未来民法典得合同分则部分或许在《合同法》基础上增加新的有名合同,信用卡服务合同作为典型的格式合同,有可能成为新的有名合同之一。为了防范发卡人利用优势地位,排除对方权利,造成合同双方利益失衡,民法典有必要设置强行规范,保护持卡人的正当利益。在本文中,笔者梳理了信用卡服务实践存在的问题,以发卡人的义务为核心,阐释了信用卡服务合同相关规范需要重点考虑的内容,并提出了规范设想。 China’s future civil code may be part of the contract may be in the “contract law” based on the addition of new famous contracts, credit card service contracts as a typical format contract, there may be one of the new well-known contract. In order to prevent the issuer from taking advantage of its dominant position and excluding each other’s rights, resulting in unbalanced interests of both parties to the contract, it is necessary for the Civil Code to set up norms to protect the legitimate interests of cardholders. In this article, the author combs the problems existing in the practice of credit card services. The author takes the obligation of the issuer as the core, explains the key issues to be considered in the relevant specifications of credit card service contracts, and puts forward the normative ideas.