[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-24-039":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-24-039","24",39,"下列何者為發卡機構得無須事先通知持卡人，而主動製發信用卡給持卡人之情形？",[13,14,15,16],"因認同卡合作契約終止，依發卡機構與持卡人原申請契約規定而換發新卡","因信用卡有效期限屆滿時，持卡人未終止契約而續發新卡","因原發卡機構發生分割、合併或其他信用卡資產移轉等情形而換發新卡","因發卡機構將信用卡由磁條卡升級為晶片卡而換發新卡",1,"信用卡、現金卡相關規章","發卡機構未經申請人申請不得製發信用卡，這是防止濫發卡的核心規定，例外只限於信用卡有效期限屆滿而持卡人未終止契約時的續發新卡；因為持卡契約關係仍然存續，續卡只是延續原有條件，所以無須事先通知，故 (B) 正確。(A) 認同卡合作契約終止後改換一般卡、(C) 原發卡機構分割合併或信用卡資產移轉而換卡、(D) 磁條卡升級為晶片卡而換卡，三者共同點都是發卡條件或發卡主體有所變動，可能影響持卡人的權益、回饋內容或使用意願，因此規定必須在換發前先行通知，讓持卡人有表示意見或終止契約的機會。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":10},"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？",{"id":26,"question":27,"qno":28},"credit_adv_law-23-040","依「信用卡業務機構管理辦法」規定，下列敘述何者錯誤？",40,{"id":30,"question":31,"qno":32},"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":34,"question":35,"qno":36},"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":38,"question":39,"qno":40},"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":42,"question":43,"qno":44},"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？",20,1785170289470]