[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-24-020":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_prac","進階授信人員專業能力測驗——授信實務","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_prac-24-020","24",20,"有關銀行辦理信用卡業務，下列敘述何者錯誤？",[13,14,15,16],"持卡人不得要求發卡銀行調低額度","契約中不得記載將當期消費帳款計入當期本金計算循環信用利息","持卡人在非美元之貨幣區域刷卡時，其消費金額應直接兌換為新臺幣或約定給付外幣","發卡機構提高持卡人信用額度時，如有信用卡保證人存在，應事先通知保證人並獲其書面同意",0,"消費者授信",1,"信用額度是發卡機構對持卡人的授信上限，持卡人基於理財規劃或防範盜刷，本來就有權要求調降，發卡機構不得拒絕；受限制與程序拘束的是調高而不是調低，故 (A) 錯誤。(B) 依信用卡定型化契約規範，當期新增消費帳款不得計入當期本金一併起算循環利息，否則等於對尚未逾期的消費提前收息。(C) 在非美元區域刷卡，消費金額應直接兌換為新臺幣或約定給付外幣，避免先換美元再換回新臺幣而負擔兩次匯兌價差。(D) 提高額度會擴大保證人責任，屬保證契約重大變更，應事先通知並取得書面同意。","easy",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-019","有關消費者貸款之特性，下列敘述何者錯誤？",19,{"id":28,"question":29,"qno":10},"credit_adv_prac-23-020","有關消費者貸款本息攤還方式，在利率不變之情況下，下列敘述何者正確？",{"id":31,"question":32,"qno":33},"credit_adv_prac-23-021","有關個人房屋貸款業務之投保事項，下列敘述何者正確？",21,{"id":35,"question":36,"qno":37},"credit_adv_prac-23-022","有關銀行辦理汽車貸款，下列敘述何者錯誤？",22,{"id":39,"question":40,"qno":41},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"id":43,"question":44,"qno":45},"credit_adv_prac-23-024","消費者貸款不符合核貸標準須再送往總行核貸者，如有超過成數規定、借款人信用有瑕疵等，稱之為何？",24,1785170290865]