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SUPREME COURT REPORTS ANNOTATED VOLUME 587 15/01/2019, 2)01 AM
card provider and its card holders is that of creditor-debtor, with the
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* SECOND DIVISION.
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card company as the creditor extending loans and credit to the card
holder, who as debtor is obliged to repay the creditor, a relationship
which takes exception to the general rule that as between a bank and
its depositors, the bank is deemed as the debtor while the depositor is
considered as the creditor.·We can see the possible source of
confusion as to which type of mora to appreciate. Generally, the
relationship between a credit card provider and its card holders is
that of creditor-debtor, with the card company as the creditor
extending loans and credit to the card holder, who as debtor is
obliged to repay the creditor. This relationship already takes
exception to the general rule that as between a bank and its
depositors, the bank is deemed as the debtor while the depositor is
considered as the creditor. Petitioner is asking us, not baselessly, to
again shift perspectives and again see the credit card company as
the debtor/obligor, insofar as it has the obligation to the customer as
creditor/obligee to act promptly on its purchases on credit.
Same; Same; Same; Notwithstanding the popular notion that
credit card purchases are approved „within seconds,‰ there really is
no strict, legally determinative point of demarcation on how long
must it take for a credit card company to approve or disapprove a
customerÊs purchase, much less one specifically contracted upon by
the parties, but one hour appears to be an awfully long, patently
unreasonable length of time to approve or disapprove a credit card
purchase.·Notwithstanding the popular notion that credit card
purchases are approved „within seconds,‰ there really is no strict,
legally determinative point of demarcation on how long must it take
for a credit card company to approve or disapprove a customerÊs
purchase, much less one specifically contracted upon by the parties.
Yet this is one of those instances when „youÊd know it when youÊd
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SUPREME COURT REPORTS ANNOTATED VOLUME 587 15/01/2019, 2)01 AM
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TINGA, J.:
The petitioner, lawyer Polo Pantaleon, his wife
Julialinda, daughter Anna Regina and son Adrian Roberto,
joined an escorted tour of Western Europe organized by
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1 Id., at p. 747.
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SUPREME COURT REPORTS ANNOTATED VOLUME 587 15/01/2019, 2)01 AM
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8 Id., at p. 331.
9 Id., at pp. 332-333.
10 Id., at p. 332.
11 Docketed as Civil Case No. 92-1665. Id., at pp. 335-340.
12 Id., at p. 339.
13 Penned by Judge Francisco Donato Villanueva; id., at pp. 92-110.
14 Id., at pp. 348-351.
15 Id., at pp. 360-362.
16 Decision penned by Court of Appeals Associate Justice E.J.
Asuncion, concurred by Associate Justices J. Mendoza and A. Tayag.
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17 Rollo, p. 80.
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SUPREME COURT REPORTS ANNOTATED VOLUME 587 15/01/2019, 2)01 AM
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„As to the first issue, both parties have testified that normal
approval time for purchases was a matter of seconds.
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SUPREME COURT REPORTS ANNOTATED VOLUME 587 15/01/2019, 2)01 AM
Plaintiff testified that his personal experience with the use of the
card was that except for the three charge purchases subject of
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SUPREME COURT REPORTS ANNOTATED VOLUME 587 15/01/2019, 2)01 AM
time from 01:20 when the charge purchased was referred for
authorization, defendants own record shows:
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SUPREME COURT REPORTS ANNOTATED VOLUME 587 15/01/2019, 2)01 AM
made friends for making them miss the chance to tour the
city of Amsterdam.
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23 Id., at p. 101.
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[2007])
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