The problem studied in this legal writing was on how the efforts of legal
resolution of issuer to credit card misuse conducted by cardholder in Bank Permata
Yogyakarta. The purpose and intention of this research is the credit card misuse of
cardholder in Bank Permata Yogyakarta. This legal research used empirical research
method, thus this research needed primary data as main data and secondary data. In
addition, method of data collection is not only by literary research, but also by
interview to the respondents that has been determined and in this research, the
location selected in Bank Permata Yogyakarta. From the result of this research by
using method and technique of research, thus it can be- concluded that the- efforts of
legal resolution that was conducted by issuer to the credit card misuse by cardholder
in Bank Permata Yogyakarta has been appropriate to prevailing regulations, i.e. Civil
Code and Bank of Indonesian Regulation Number 8/5/bank of Indonesian regulation/2006.