Regulations Governing Institutions Engaging In Credit Card Business Article 41
The contents of a notification given under Paragraph 1 of the preceding paragraph shall be binding to all card issuers. In case of any of the following situations, a card issuer shall give the cardholder at least a 60-day notice in writing or by electronic document as agreed with the cardholder in advance. A cardholder may terminate his or her agreement with the card issuer if he/she does not agree to such change.1. Possible increase of expenses/costs to cardholder.2. An increase in the interest rate of revolving credit.3. Change in the benchmark rates originally chosen by the cardholder in case of floating interest rate.4. Change to the method of calculating interest on revolving credit.5. Change to any of the items provided in Subparagraphs 2 to 5, Paragraph 1 of the preceding article.A card issuer that adopts floating interest rates for the revolving credit may not change the benchmark rates chosen by the cardholder, unless such change is due to causes not attributable to the fault of card issuer.When a card issuer mentioned in the preceding paragraph adjusts benchmark rates, it shall post an announcement of such an adjustment at its business place and on its website, and in addition, inform the cardholder in writing or in a manner as agreed with the cardholder in advance. When the benchmark rates are raised, the provision on the 60-day notice mentioned in Paragraph 1 hereof does not apply to the card issuer.
中文原文 信用卡業務機構管理辦法第41條
發卡機構應受前條第一項告知內容之拘束，倘有下列情形者，應於六十日前以顯著方式標示於書面或事先與持卡人約定之電子文件通知持卡人，持卡人如有異議得終止契約：
一、增加持卡人之可能負擔。
二、提高循環信用利率。
三、循環信用利率採浮動式者，變更所選擇之指標利率。
四、變更循環信用利息計算方式。
五、變更前條第一項第二款至第五款之事項。
循環信用利率採浮動式者，除有不可歸責於發卡機構之事由外，不得變更所選擇之指標利率。
前項指標利率調整時，除於營業場所及其網站公告外，應以書面或事先與持卡人約定之方式通知持卡人。
但指標利率調高時，得不適用第一項六十日前通知之規定。
一、增加持卡人之可能負擔。
二、提高循環信用利率。
三、循環信用利率採浮動式者，變更所選擇之指標利率。
四、變更循環信用利息計算方式。
五、變更前條第一項第二款至第五款之事項。
循環信用利率採浮動式者，除有不可歸責於發卡機構之事由外，不得變更所選擇之指標利率。
前項指標利率調整時，除於營業場所及其網站公告外，應以書面或事先與持卡人約定之方式通知持卡人。
但指標利率調高時，得不適用第一項六十日前通知之規定。