韩国则是由于资产证券化监管法规不健全，导致发卡机构（Card Issuer）大肆利用资产证券化进行监管资本套利，以达到信用卡市场份额扩张的目的，最终酿成了较大规模的金融危机。
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According to the Korea Credit Card Business Control Code,the issuer is liable for the use of the credit card when the issuer receives notice that the card is lost or stolen from the cardholder.
韩国信用卡业务的当事人只有发卡机构、持卡人和特约商户,而中国却还有担保人。
参考来源 - 中韩信用卡相关法律关系与挂失风险承担之比较·2,447,543篇论文数据，部分数据来源于NoteExpress
银行或发卡机构使用第一个和第三个。
银行和发卡机构牢牢抓住这一市场，更希望从手机和非接触支付系统中攫取更大利润。
With their grip on the market, Banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems.
进一步说，大多数持卡人协议允许发卡机构以任何他们觉得合适的理由，肆意提高利率。
Further, most card holder agreements enable the issuer to arbitrarily raise the interest rate for any reason they see fit.
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