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    Pantaleon Vs American Express International

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    Nicole Marie Abella Cortes
    American Express was found to have breached its obligation to Pantaleon when it delayed approving his credit card purchases worth $13,826 at a store in Amsterdam for over an hour. While there is no set time limit for credit card authorization, delays over an hour are unreasonably long. Pantaleon experienced inconvenience and humiliation due to the delays. The relationship between a credit card company and cardholder is that of creditor and debtor, with the company extending credit to be repaid by the cardholder.

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    Pantaleon Vs American Express International

    Uploaded by

    Nicole Marie Abella Cortes
    267 views1 page
    American Express was found to have breached its obligation to Pantaleon when it delayed approving his credit card purchases worth $13,826 at a store in Amsterdam for over an hour. While there is no set time limit for credit card authorization, delays over an hour are unreasonably long. Pantaleon experienced inconvenience and humiliation due to the delays. The relationship between a credit card company and cardholder is that of creditor and debtor, with the company extending credit to be repaid by the cardholder.

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    Pantaleon vs American Express International

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    American Express was found to have breached its obligation to Pantaleon when it delayed approving his credit card purchases worth $13,826 at a store in Amsterdam for over an hour. While there is no set time limit for credit card authorization, delays over an hour are unreasonably long. Pantaleon experienced inconvenience and humiliation due to the delays. The relationship between a credit card company and cardholder is that of creditor and debtor, with the company extending credit to be repaid by the cardholder.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    267 views1 page

    Pantaleon Vs American Express International

    Uploaded by

    Nicole Marie Abella Cortes
    American Express was found to have breached its obligation to Pantaleon when it delayed approving his credit card purchases worth $13,826 at a store in Amsterdam for over an hour. While there is no set time limit for credit card authorization, delays over an hour are unreasonably long. Pantaleon experienced inconvenience and humiliation due to the delays. The relationship between a credit card company and cardholder is that of creditor and debtor, with the company extending credit to be repaid by the cardholder.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 1

    POLO S. PANTALEON v. AMERICAN EXPRESS INTERNATIONAL, INC.

    G.R. No. 174269, May 8, 2009, Tinga, J.

    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.

    Facts:
    An incident in Amsterdam happened which involved the delay of American Express Card to approve
    Pantaleon’s credit card purchases worth US$13,826.00 at the Coster store.
    Because of his plight, Pantaleon filed a complaint for moral and exemplary damages before the RTC
    against American Express. He said that he and his family experienced inconvenience and humiliation due to the
    delays in credit authorization. The RTC rendered a decision in favor of Pantaleon. The CA, however, reversed
    the award of damages in favor of Pantaleon, holding that AmEx had not breached its obligations to Pantaleon,
    as the purchase at Coster deviated from Pantaleon's established charge purchase pattern.

    Issue: Whether American Express breached its obligation to Pantaleon.

    Ruling:
    YES. American Express breached its obligation to Pantaleon. 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 customer’s
    purchase, much less one specifically contracted upon by the parties. Yet this is one of those instances when
    "you’d know it when you’d see it," and one hour appears to be an awfully long, patently unreasonable length of
    time to approve or disapprove a credit card purchase. It is long enough time for the customer to walk to a bank a
    kilometer away, withdraw money over the counter, and return to the store.
    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.

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