Regulations Governing Institutions Engaging In Credit Card Business Article 50
If a card issuer collaborates with a contracted merchant in offering a credit card installment payment plan, the card issuer shall observe the following provisions:1. The payment plan shall stay within the original credit limit of the cardholder.2. The duration of installment payment plan shall not be longer than two years and six months.3. The merchant shall, at the time of transaction, inform the cardholder in writing that the installment payment plan is offered by the card issuer, and fees schedule and conditions under which fees are charged. If the transaction is not carried out face-to-face but via the Internet or TV shopping, the merchant may inform the cardholder information provided above by other means, but the merchant is required to save relevant records.4. The card issuer shall not ask the cardholder to pay for related expenses on grounds of warranting the provision of product or service by the merchant.If a card issuer offers a credit card installment payment plan without collaborating with the merchant, the card issuer shall observe the following provisions:1. The card issuer shall comply with the provisions in Subparagraphs 1 and 2 of the preceding paragraph.2. The card issuer shall inform the cardholder of the information provided in Subparagraph 3 of the preceding paragraph in writing or in a manner as agreed with the cardholder in advance.Where the credit payment installment payment plan offered by a card issuer does not comply with preceding two paragraphs, the card issuer shall make adjustment within six (6) months from the date the amendment to these Regulations enters into force.
中文原文 信用卡業務機構管理辦法第50條
發卡機構所提供之信用卡分期付款服務，如係與特約商店有合作關係者，應依下列規定辦理：
一、應於持卡人原信用額度內承作。
二、分期付款期間不得超過二年六個月。
三、特約商店應於交易時以書面告知持卡人該分期付款服務係發卡機構提供，及所需負擔費用之計收標準與收取條件。
但屬網際網路或電視購物等非面對面式交易者，特約商店得以其他替代方式告知，並須留存相關紀錄。
四、發卡機構不得以確保特約商店商品或服務提供為由，要求持卡人負擔相關費用。
發卡機構所提供之信用卡分期付款服務，如係與特約商店無合作關係者，應依下列規定辦理：
一、應符合前項第一款及第二款規定。
二、發卡機構應事先以書面或與持卡人約定之方式告知持卡人前項第三款之資訊。
發卡機構所提供之信用卡分期付款服務與前二項規定不符者，應於本辦法修正施行之日起六個月內調整。
一、應於持卡人原信用額度內承作。
二、分期付款期間不得超過二年六個月。
三、特約商店應於交易時以書面告知持卡人該分期付款服務係發卡機構提供，及所需負擔費用之計收標準與收取條件。
但屬網際網路或電視購物等非面對面式交易者，特約商店得以其他替代方式告知，並須留存相關紀錄。
四、發卡機構不得以確保特約商店商品或服務提供為由，要求持卡人負擔相關費用。
發卡機構所提供之信用卡分期付款服務，如係與特約商店無合作關係者，應依下列規定辦理：
一、應符合前項第一款及第二款規定。
二、發卡機構應事先以書面或與持卡人約定之方式告知持卡人前項第三款之資訊。
發卡機構所提供之信用卡分期付款服務與前二項規定不符者，應於本辦法修正施行之日起六個月內調整。