Regulations Governing Institutions Engaging In Credit Card Business Article 40
When receiving a written application, a card issuer shall notify the applicant in writing or by electronic document of the following particulars:1. Annual fees and various handling fees which the credit card holder is required to pay, calculation methods for revolving credit interest rate and interest on revolving credit, penalty fees and other costs/fees which are likely to be borne by a cardholder. The revolving credit interest rate should be expressed as an annualized rate, and the calculation methods for revolving credit interest and penalty fees should be expressly stated in plain language supplemented with examples and illustrations;2. The use of credit card and the procedure for handling lost, stolen, or destroyed credit cards;3. Rights and obligations of cardholder arising out of unauthorized third party use of his or her credit card;4. The procedures in the event of a discrepancy regarding a credit card transaction and important rules of international credit card organization regarding the rights and obligations of cardholders;5. The duration and conditions for rights, benefits of, or services provided to, cardholders; and6. Other matters as determined by the Competent Authority.The notification as referred to in the preceding paragraph shall be made in clear and plain language, and the important terms contained therein which will affect cardholders' interests should be highlighted.Card issuers shall state in the credit card agreement the frequency of adjusting matters set out in Subparagraphs 1 through 5 of Paragraph 1 hereof.
中文原文 信用卡業務機構管理辦法第40條
發卡機構於辦理申請信用卡作業時，應以書面或電子文件告知申請人下列事項：
一、向持卡人收取之年費、各項手續費、循環信用利率、循環信用利息及違約金等之計算方式及可能負擔之一切費用。
其中利率應以年率表示，循環信用利息及違約金之計算方式應以淺顯文字輔以實例具體說明之。
二、信用卡使用方式及遺失、被竊或滅失時之處理方式。
三、持卡人對他人無權使用其信用卡後所發生之權利義務關係。
四、有關信用卡交易帳款疑義之處理程序與涉及持卡人權利義務之信用卡國際組織相關重要規範。
五、提供持卡人之各項權益、優惠或服務之期間及適用條件。
六、其他經主管機關規定之事項。
前項告知內容應通俗簡明，攸關消費者權益之重要事項，應以顯著方式標示。
發卡機構應於契約中就第一項第一款及第五款之事項載明調整之頻率。
一、向持卡人收取之年費、各項手續費、循環信用利率、循環信用利息及違約金等之計算方式及可能負擔之一切費用。
其中利率應以年率表示，循環信用利息及違約金之計算方式應以淺顯文字輔以實例具體說明之。
二、信用卡使用方式及遺失、被竊或滅失時之處理方式。
三、持卡人對他人無權使用其信用卡後所發生之權利義務關係。
四、有關信用卡交易帳款疑義之處理程序與涉及持卡人權利義務之信用卡國際組織相關重要規範。
五、提供持卡人之各項權益、優惠或服務之期間及適用條件。
六、其他經主管機關規定之事項。
前項告知內容應通俗簡明，攸關消費者權益之重要事項，應以顯著方式標示。
發卡機構應於契約中就第一項第一款及第五款之事項載明調整之頻率。