Regulations Governing Institutions Engaging In Credit Card Business Article 22
Card issuers shall establish a credit card approval process to approve the credit limit for credit cards issued in a prudent manner and comply with the following provisions:1. A card issuer shall verify the veracity of the applicant's identity, that the principal card applicant has independent and stable financial resources and the ability to pay off debt, and understand the applicant's debt situation.2. The approved line should be commensurate with the principal card applicant's ability to pay at the time of applicant, and the sum of approved line plus the total balance of the applicant's unsecured debts (including credit card debts) with all financial institutions as a multiple of the average monthly income of the applicant within the most recent year shall comply with the requirements set out by the Competent Authority. Card issuers shall comply with the provisions hereof when raising the credit limit of a cardholder.3. A card issuer shall draw up management rules for total credit limit granted to the principal card applicant and the multiplier of average monthly income in the past year, and implement the rules after obtaining the approval of its board of directors (council members). The preceding provision applies to any revision of the management rules thereafter. For a foreign bank branch in Taiwan, the duties of the board of directors (council members) described above will be fulfilled by an officer authorized by its head office.4. A card issuer shall include whether a considerable number of credit inquiries on the principal card applicant has been made with the Joint Credit Information Center ("JCIC") in a short period of time as one of the important review items.5. Where the principal card applicant has the record of "notation of payoff by others" at JCIC, the card issuer should make sure that the applicant has repayment capability.6. A card issuer shall not use the applicant's credit information at JCIC as the only basis for approving or rejecting an application.
中文原文 信用卡業務機構管理辦法第22條
發卡機構應建立核發信用卡管理機制，以審慎核給信用額度，並依下列規定辦理：
一、應確認申請人身分之真實性、正卡申請人具有獨立穩定之經濟來源及充分之還款能力，並瞭解其舉債情形。
二、所核給之額度應與正卡申請人申請時之還款能力相當，且核給額度加計申請人於全體金融機構之無擔保債務（含信用卡）歸戶總餘額與申請人最近一年內平均月收入之倍數應依主管機關規定辦理。
發卡機構於調高持卡人之信用額度時，仍應符合本款規定。
三、應訂定核給正卡申請人之總信用額度與最近一年內平均月收入倍數之管理規範，並報董（理）事會或常務董事會核准後施行，修改時亦同；外國銀行在台分行前述董（理）事會應盡之義務由其總行授權人員負責。
四、應將正卡申請人於財團法人金融聯合徵信中心（以下簡稱聯徵中心）短期間內有密集被查詢之情事列為審核要件之一。
五、正卡申請人於聯徵中心有「代償註記」者，應確認其具有還款能力。
六、不得以聯徵中心之信用資訊作為核准或駁回之唯一依據。
一、應確認申請人身分之真實性、正卡申請人具有獨立穩定之經濟來源及充分之還款能力，並瞭解其舉債情形。
二、所核給之額度應與正卡申請人申請時之還款能力相當，且核給額度加計申請人於全體金融機構之無擔保債務（含信用卡）歸戶總餘額與申請人最近一年內平均月收入之倍數應依主管機關規定辦理。
發卡機構於調高持卡人之信用額度時，仍應符合本款規定。
三、應訂定核給正卡申請人之總信用額度與最近一年內平均月收入倍數之管理規範，並報董（理）事會或常務董事會核准後施行，修改時亦同；外國銀行在台分行前述董（理）事會應盡之義務由其總行授權人員負責。
四、應將正卡申請人於財團法人金融聯合徵信中心（以下簡稱聯徵中心）短期間內有密集被查詢之情事列為審核要件之一。
五、正卡申請人於聯徵中心有「代償註記」者，應確認其具有還款能力。
六、不得以聯徵中心之信用資訊作為核准或駁回之唯一依據。