[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-23-040":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"credit_adv_law","進階授信人員專業能力測驗——授信法規","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_adv_law-23-040","23",40,"依「信用卡業務機構管理辦法」規定，下列敘述何者錯誤？",[13,14,15,16],"正卡申請人應為成年人","附卡申請人應年滿十五歲，須為正卡持卡人之配偶、父母、祖父母、子女、兄弟姊妹","發卡機構主動調高持卡人信用額度，如原徵有保證人者，應事先通知信用卡保證人，並獲其書面同意","發卡機構欲提高循環信用利率時，應於六十日前以書面或事先與持卡人約定之電子文件通知持卡人",1,"信用卡、現金卡相關規章","附卡是依附於正卡的信用，發卡機構只能發給與正卡持卡人具一定親屬關係且年滿十五歲之人，而規定的親屬範圍除配偶、父母、祖父母、子女、兄弟姊妹外，還及於配偶之父母與孫子女；(B)以封閉式列舉寫成「須為」某幾類人並漏掉後兩類，把合於規定的對象排除在外，敘述不完整而為錯誤。(A)正卡申請人須為成年人，避免無獨立經濟能力者舉債。(C)主動調高額度會加重保證人負擔，原徵有保證人者須事先通知並取得書面同意。(D)調高循環信用利率應於六十日前通知，讓持卡人有時間清償或轉貸。","hard",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"credit_adv_law-23-039","有關發卡機構對信用卡帳務之處理，下列敘述何者錯誤？",39,{"id":27,"question":28,"qno":29},"credit_adv_law-23-044","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n該發卡機構辦理行銷時，下列何者為其正確之做法？",44,{"id":31,"question":32,"qno":33},"credit_adv_law-23-045","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n對學生申請信用卡，下列何者為該發卡機構正確之做法？",45,{"id":35,"question":36,"qno":37},"credit_adv_law-23-046","【案例】發卡機構欲加強客戶行銷以提高發卡量及創造合理利潤，請依信用卡業務機構管理辦法規定，回答下列問題：\n該發卡機構所提供之信用卡分期付款服務，分期付款期間不得超過多久？",46,{"id":39,"question":40,"qno":41},"credit_adv_law-24-020","信用卡持卡及小額信用貸款申請人經辦理「親屬代償註記」後，發卡機構如不能確認其具有還款能力，可否另行核發新卡或核准其貸款？",20,{"id":43,"question":44,"qno":45},"credit_adv_law-24-033","有關信用卡持卡人結欠款項轉銷呆帳規定，下列敘述何者錯誤？",33,1785170289008]