[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_law-45-046":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_law","初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_law-45-046","45",46,"有關信用卡分期付款交易之期間，以不超過多久為限？",[13,14,15,16],"1 年","1 年 6 個月","2 年","2 年 6 個月",3,"信用卡、現金卡相關規章",1,"信用卡分期付款把一次消費拆成長期債務,期間拉得越長,持卡人累積的未償餘額與利息負擔越重,發卡機構也越難掌握其真實還款能力,因此主管機關對分期付款交易設有期間上限,以不超過二年六個月為限,(D) 正確。(A) 一年、(B) 一年六個月、(C) 二年都短於規定上限,是常見的混淆選項。與此配套的還有分期利率、手續費與總費用年百分率須充分揭露,不得以零利率名義隱藏費用等要求,目的都在避免持卡人於不知情下背負長期債務。","hard",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"credit_law-45-047","有關信用卡發卡業務與收單業務之敘述，下列何者錯誤？",47,{"id":28,"question":29,"qno":30},"credit_law-45-048","依信用卡業務機構管理辦法規定，有關辦理逾期帳款之備抵呆帳提列及轉銷，下列敘述何者錯誤？",48,{"id":32,"question":33,"qno":34},"credit_law-45-049","有關信用卡收單業務之推廣、徵信、簽約及管理，下列敘述何者錯誤？",49,{"id":36,"question":37,"qno":38},"credit_law-45-050","依「信用卡業務機構管理辦法」規定，下列何者錯誤？",50,{"id":40,"question":41,"qno":10},"credit_law-46-046","依信用卡業務機構管理辦法規定，下列敘述何者錯誤？",{"id":43,"question":44,"qno":26},"credit_law-46-047","依主管機關規定，各信用卡會員機構於特定特約如有提供國內免簽名交易，其單筆最高金額不得超逾新臺幣多少元？",1785146811876]