Regulations Governing Institutions Engaging In Credit Card Business Article 42
A card issuer shall include at least the following items under the section of Applicant's Statement and Consent in the application form and ask the applicant to confirm by signature or take other methods that can authenticate the applicant identity and confirm the intent expressed by the applicant:1. Interest rates and fees to be charged, and detailed description of fees schedule and conditions under which fees are charged.2. Where the cardholder fails to make payment as agreed when due, the record will be posted with the JCIC and adversely affect the cardholder's rights to obtain other loans.3. Where the card issuer's collaboration with a third party will involve the use of cardholder's information by the third party, the card issuer shall design a field in the section for the applicant to check whether he or she consents to the use of personal information by such third party and specify the purposes of use.The information under Subparagraph 1 of the preceding paragraph shall be disclosed on the website of the card issuer.A card issuer may not state in the credit card application that "The principal card applicant may sign on behalf of the supplementary card applicant for the application of a supplementary card" as a way of accepting supplementary card.If a card issuer asks a credit card applicant to provide information on a third person other than the principal and supplementary cardholders and the guarantor, the card issuer shall comply with the following provisions:1. The card issuer shall not make it (the provision of third party's information) compulsory or use it as a basis for approving or rejecting an application.2. The card issuer shall explain to the applicant the purpose of requesting such personal information.3. The card issuer shall not use such personal information in credit checking or collection operation.4. The card issuer shall immediately stop the use of such personal information if so requested by the third party.
中文原文 信用卡業務機構管理辦法第42條
發卡機構於申請書之申請人聲明及同意事項中，應至少載明下列事項，並經申請人以簽名或其他得以辨識申請人同一性及確定申請人意思表示之方式確認：
一、所收取之利率及各項費用，並詳列計收標準及收取條件。
二、持卡人未按時依約繳款之紀錄，將登錄聯徵中心，而影響未來申辦其他貸款之權利。
三、發卡機構與第三人合作，如涉及持卡人資料之使用，應設計欄位供申請人自行勾選是否同意提供個人資料予該第三人，並明列其使用範圍。
前項第一款應於發卡機構網站揭露。
發卡機構不得於信用卡申請書中，以「正卡申請人代理附卡申請人簽名申請附卡」之方式受理附卡申請。
發卡機構如於信用卡申請時，要求申請人提供正、附卡持卡人及保證人以外之第三人個人資料，應依下列規定辦理：
一、不得強制申請人提供，或作為核准或駁回申請之依據。
二、應向申請人說明提供該等個人資料之目的。
三、不得將該等個人資料用於徵信或催收作業。
四、如經第三人本人要求，應即停止使用其個人資料。
一、所收取之利率及各項費用，並詳列計收標準及收取條件。
二、持卡人未按時依約繳款之紀錄，將登錄聯徵中心，而影響未來申辦其他貸款之權利。
三、發卡機構與第三人合作，如涉及持卡人資料之使用，應設計欄位供申請人自行勾選是否同意提供個人資料予該第三人，並明列其使用範圍。
前項第一款應於發卡機構網站揭露。
發卡機構不得於信用卡申請書中，以「正卡申請人代理附卡申請人簽名申請附卡」之方式受理附卡申請。
發卡機構如於信用卡申請時，要求申請人提供正、附卡持卡人及保證人以外之第三人個人資料，應依下列規定辦理：
一、不得強制申請人提供，或作為核准或駁回申請之依據。
二、應向申請人說明提供該等個人資料之目的。
三、不得將該等個人資料用於徵信或催收作業。
四、如經第三人本人要求，應即停止使用其個人資料。