Regulations Governing Institutions Engaging In Credit Card Business Article 39
A card issuer may not issue a credit card before completing the application and review procedures of the applicant. The preceding provision does not apply for an applicant who already holds a credit card(s) issued by the card issuer and has any of the situations below:1. A new card is issued because the cardholder's original card is lost, stolen, counterfeited, or could be counterfeited, or the original card is no longer usable due to damage, demagnetization, scratches or other reasons.2. A new card is issued upon the expiration of the prior card, in cases where the cardholder has not terminated the contract, provided, that review procedures have been completed.3. A contract with a merchant for a co-branded card, affinity card or private label card has been terminated and a new card is issued according to the original agreement entered into between the card issuer and the cardholder; provided, that a prior notice is sent to such cardholder in writing or by electronic document as agreed with the cardholder in advance.4. A new card is issued because a spin-off, merger or other credit card asset transfer occurred to the original card issuer; provided, that prior notice is sent to such cardholder in writing or by electronic document as agreed with the cardholder in advance.5. A new card is issued because the card issuer has upgraded the cards it issues from magnetic card to IC card; provided, that a prior notice is sent to such cardholder in writing or by electronic document as agreed with the cardholder in advance.6. Other situations as specified by the Competent Authority.A cardholder shall be deemed to have given his/her consent if such cardholder does not express an objection to a notice referred to in Subparagraphs 3 through 5 of the preceding paragraph.A card issuer must obtain the consent of the cardholder before adding new functions to a card it has already issued.If the entity of the original card issuer changes as a result of spin-off, merger or other credit card asset transfer, the new card issuer shall replace the original cards with new cards in one (1) year from the effective date of change. The aforementioned deadline may be extended if the new card issuer has justified reasons and obtained approval of the Competent Authority.
中文原文 信用卡業務機構管理辦法第39條
發卡機構未完成申請人申請及審核程序前，不得製發信用卡。
但已持有原發卡機構製發之信用卡且有下列情形之一者，不在此限：
一、因持卡人發生信用卡遺失、被竊、遭製作偽卡或有遭製作偽卡之虞等情形或污損、消磁、刮傷或其他原因致信用卡不堪使用而補發新卡。
二、因信用卡有效期間屆滿時，持卡人未終止契約而續發新卡，惟應事先完成覆審程序。
三、因聯名卡、認同卡或店內卡合作契約終止，依發卡機構與持卡人原申請契約規定換發新卡，惟應事先以書面或與持卡人約定之電子文件通知持卡人。
四、因原發卡機構發生分割、合併或其他信用卡資產移轉等情形而換發新卡，惟應事先以書面或與持卡人約定之電子文件通知持卡人。
五、因發卡機構將信用卡由磁條卡升級為晶片卡而換發新卡，惟應事先以書面或與持卡人約定之電子文件通知持卡人。
六、其他經主管機關規定之事項。
前項第三款至第五款之通知，持卡人於一定期間未表示異議，得視為同意。
發卡機構對原製發之信用卡新增結合其他功能前，應事先取得持卡人同意，始得為之。
發卡機構因分割、合併或其他信用卡資產移轉等情形致原發卡機構主體變更者，變更後之新發卡機構應於基準日起一年內換發新卡。
但有正當理由經主管機關核准者，得予延長。
但已持有原發卡機構製發之信用卡且有下列情形之一者，不在此限：
一、因持卡人發生信用卡遺失、被竊、遭製作偽卡或有遭製作偽卡之虞等情形或污損、消磁、刮傷或其他原因致信用卡不堪使用而補發新卡。
二、因信用卡有效期間屆滿時，持卡人未終止契約而續發新卡，惟應事先完成覆審程序。
三、因聯名卡、認同卡或店內卡合作契約終止，依發卡機構與持卡人原申請契約規定換發新卡，惟應事先以書面或與持卡人約定之電子文件通知持卡人。
四、因原發卡機構發生分割、合併或其他信用卡資產移轉等情形而換發新卡，惟應事先以書面或與持卡人約定之電子文件通知持卡人。
五、因發卡機構將信用卡由磁條卡升級為晶片卡而換發新卡，惟應事先以書面或與持卡人約定之電子文件通知持卡人。
六、其他經主管機關規定之事項。
前項第三款至第五款之通知，持卡人於一定期間未表示異議，得視為同意。
發卡機構對原製發之信用卡新增結合其他功能前，應事先取得持卡人同意，始得為之。
發卡機構因分割、合併或其他信用卡資產移轉等情形致原發卡機構主體變更者，變更後之新發卡機構應於基準日起一年內換發新卡。
但有正當理由經主管機關核准者，得予延長。