[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_law-25-040":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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":19,"explanation":20,"difficulty":21},"credit_adv_law-25-040","25",40,"有關主管機關對信用卡業務之規範，下列敘述何者錯誤？",[13,14,15,16],"客戶貸款本息得以信用卡轉繳方式支付","正卡申請人不得代理附卡申請人簽名申請附卡","發卡機構主動調高持卡人信用額度者，應事先通知持卡人並取得其書面同意","信用卡循環信用不得以複利計息",0,"信用卡、現金卡相關規章",1,"主管機關禁止客戶以信用卡轉繳貸款本息，因為那等於用一筆高利率的循環信用去償還另一筆貸款，債務只是被展延而沒有真正清償，形成以卡養貸、以債養債，銀行的逾期指標也會失真，故 (A) 敘述錯誤。(B) 正確，附卡是獨立的申請行為，附卡申請人必須親自簽名，正卡人不得代簽，以確認其還款意願與責任。(C) 正確，調高額度會直接放大持卡人的負債能力，發卡機構主動調高時應事先通知並取得持卡人書面同意，不能以未表示反對視為承諾。(D) 正確，循環信用只能就本金計息，不得把已產生的利息滾入本金再生利息。","medium",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"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":28,"question":29,"qno":10},"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？",{"id":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",20,1785170289938]