Regulations Governing Institutions Engaging In Credit Card Business Article 51
When a credit card business institution collects accounts receivable on its own, it shall handle the collection pursuant to the following provisions:1. The credit card business institution shall not violate public interests or encroach on the rights of others, and shall execute its rights based on the principle of honesty and integrity.2. A credit card business institution can collect payment from the cardholder and his/her guarantor only, and shall not bother or demand payment from a third party unrelated to the debt of the cardholder.3. When a credit card business institution collects debt by phone, it shall identify the name of the institution and install a recording system. The credit card business institution shall retain related information for at least six months for audit or investigation purpose in the case of a dispute.4. A credit card business institution shall not resort to violence, coercion, intimidation, verbal abuse, harassment, misleading or deceptive representation, or engage in other illicit debt collection practices that invade the privacy of the debtor.5. When a credit card business institution visits the cardholder or a relevant third party for debt collection purpose, he/she shall identify him-/herself and the name of the financial institution, and show proof documents.
中文原文 信用卡業務機構管理辦法第51條
信用卡業務機構自行辦理應收帳款催收時，應依下列規定辦理：
一、不得違反公共利益，或侵害他人權益，且應依誠實及信用方法行使權利。
二、僅能對持卡人本人及其保證人催收，不得對與債務無關之第三人干擾或催討。
三、以電話催收時，須表明機構名稱並裝設錄音系統，且相關資料至少保存六個月以上，以供稽核或爭議時查證之用。
四、不得有暴力、脅迫、恐嚇、辱罵、騷擾、誤導、欺瞞或造成持卡人隱私受侵害之不當催收行為。
五、進行外訪催收時，應對持卡人或相關第三人表明機構名稱並出示證明文件。
一、不得違反公共利益，或侵害他人權益，且應依誠實及信用方法行使權利。
二、僅能對持卡人本人及其保證人催收，不得對與債務無關之第三人干擾或催討。
三、以電話催收時，須表明機構名稱並裝設錄音系統，且相關資料至少保存六個月以上，以供稽核或爭議時查證之用。
四、不得有暴力、脅迫、恐嚇、辱罵、騷擾、誤導、欺瞞或造成持卡人隱私受侵害之不當催收行為。
五、進行外訪催收時，應對持卡人或相關第三人表明機構名稱並出示證明文件。