安泰商業銀行
ENGLISH 字體: 小 中 大
 
信用卡
最新消息
信用卡網路交易安全驗證服務
鈦金卡
晶緻卡
分期卡
信用卡介紹
卡友權益
加值功能
信用卡理財
紅利兌換
旅遊專區
好康特區
我要繳款 ~e-bill全國繳費網~
表單下載
線上申請
我要開卡
Foreigner Friendly Zone
24小時服務專線 0800-005-999
謹慎理財 信用無價
Instruction for the Use of Credit Card
Instruction for the Use of EnTie Bank Credit Card
 
Before applying for credit cards with the Bank, please carefully read the following terms and conditions:
 

I. Calculation of Credit Card Fee

1. Annual fee

Card Type

Primary Card

Supplementary Card

MasterCard Titanium/ JCB Precious Card

No Annual fee

No Annual fee

VISA/ MasterCard/JCB Platinum Card

NT$ 600

Gold Card

No Annual fee
Classic Card No Annual fee


(1) Upon acceptance of the application, the Bank will post the annual fee in the statement of the second years (namely, the first closing cycle date), and include the same into the credit card billing statement. The annual fee for following year will be identified in 25th billing statement. The annual fee for 3rd year will be identified in 37th billing statement, and so on.
(2) Terms of waiver or reduction of annual fees

Card Type

Primary Card

Platinum Card

Platinum Card is entitled to waive annual fee if the requirement of minimum monthly average balance is maintained. Primary Card and supplementary cards are entitled to waive annual fee if the requirement of minimum monthly average balance is maintained or the accumulated spending in the previous year exceeds NT$6,000 or total transactions exceed 6 times. The same renewal rules shall apply for the subsequent years.

The criteria for the annual fees charges shall be determined in accordance with the Bank's policy at the time the annual fee incurs. Where there are any changes of the bank policies, the Bank will advise the cardholders in written or by e-mail notification.

2. Minimum Amount Due for Each Period
A cardholder shall pay the minimum amount due and payable listed on the statement prior to the deadline of payment. The method for calculating the minimum amount due shall be: 10% newly added transaction amount of the current period and plus 10% of any newly cash advance amount in the current period and 5% of the outstanding amount from the preceding period of the credit card amount (in case the amount is lower than NT$1,000, it shall be NT$ 1,000), plus the total transaction amount exceeding the credit limit, total outstanding minimum amount due from the previous periods, default penalties, revolving credit interest, and annual fee, handling fees for cash advance, report of loss , re-issuance of credit card, and retrieval of cardholder’s sales vouch is copy. The newly-added transaction amount of the current period” refers to the amount paid through credit card for order/purchase of goods, obtaining of services or payment of fees, excluding such amount as cash advance and balance transfer.

3. Cash Advance
Applying cash advance with a credit card, the cardholder shall comply with the provisions and procedures of EnTie Bank and agency handling cash advance and pay for the handling fee calculated at 3.5% of the amount of each cash advance plus NT$ 100, the formula being (cash advance×3.5%)+ NT$100. The cardholder may pay for the cash advance amount anytime. In the event that the cardholder fails to pay off the cash advance by the payment due date, the cardholder will be charged revolving interest.

4. Calculation of Exchange Rate and Handling Fee for Overseas Transactions Charged to the Credit Card
All the credit card accounts shall be settled in NT dollar. If the transaction (including handling of refund) is conducted in non NT dollar, or an overseas transaction is settled in NT dollar (including transactions made with overseas merchants in NT dollar), or a domestic transaction is made in NT dollar but is conducted through the International Settlements (including refund) or an overseas transaction, the exchange rate of the transaction shall be the same as the exchange rate on the day which the merchant charges back for the payment from VISA/MasterCard/JCB international organization and the transaction shall be settled with EnTie Bank pursuant to the rules of VISA/MasterCard/JCB international organization, which shall further be converted into NT dollar based on the settlement rate of the settlement day designated by VISA/MasterCard/JCB international organization and the international exchange rate. The overseas transaction fee shall include both the payment to international credit card organizations and an additional service fee at 1.5% of each transaction amount for every transaction. The cardholder authorizes EnTie Bank to act as the agent for exchange settlement within the territory of ROC and to handle the settlement procedures for overseas transactions, provided that the settlement of foreign currency to be paid by the cardholder exceeds the limit prescribed by law, the exceeding amount shall be paid in foreign currency by the cardholder.
The fees stated in Paragraph 4 and Paragraph 5 will incur upon completion of the transaction, and be charged in the latest statement.

5. Handling Fee for Lost Card
In the event that the credit card is lost, stolen, robbed, obtained by fraud, or otherwise possessed by any third party (hereinafter “loss” or “theft”), the cardholder shall, notify the Bank of such loss or theft and apply for suspension of credit card by telephone or other ways, and pay a Lost Card Report Fee of NT$200 for such loss or theft disregarding the type of the lost / stolen credit card or whether reissue credit card (Titanium/Precious/Platinum Card is free) from handling fee for loss of report).

6. Handling Fee for Re-issuance of Credit Card
If your credit card is lost or stolen, EnTie Bank may issue new card upon your application for your continual use. And the terms and conditions shall remain valid. However, If your credit card is damaged, demagnetized, scratched or cannot be used for other reasons or if you apply for the re-issuance of card for personal reasons while the credit card still functions well, EnTie Bank shall charge NT$200 handling fee for each new card issued.

7. Handling fee for over-pay refund:
Over-paid credit card amount should be deducted to payable amount. If the cardholder instructs to be returned to EnTie Bank, the handling fee is free. If the cardholder instructs over-paid credit card amount to be returned to non- EnTie Bank accounts, the over-pay refund fee of NT$30 shall be paid to EnTie Bank.
The fees referred to in Paragraphs 6, 7 and 8 will incur upon the service request, and be charged in the latest statement

8. Installment Plan Fee
A processing fee of NT$100 will be charged each time when the cardholder applies for installment. The principal and interest should be repaid evenly in installments. The processing fee and principal to be repaid in each installment will be included into the monthly minimum amount due. The processing fee will be charged in the first statement upon approval.

 

II. Rights and Obligations of Loss/Theft of Credit Card

1. Where the credit card is lost, stolen, snatched, defrauded or possessed by a third party other than the cardholder (hereinafter referred to as loss or theft), the cardholder must notify the Bank by phone or other means for a report of loss and suspension of use, and pay the loss registration fee of NT$200 (Titanium/Precious/Platinum Card is free). If the Bank deems necessary, the Bank shall notify the cardholder within 10 days from the date of loss registration to report the loss to the local police station or provide the written loss notice to the Bank within 3 days upon receiving the Bank’s notification.

2. The cardholder has reported the loss or theft of his/her credit card, losses arising from any fraudulent use of credit card from the time of the loss or theft, shall be borne by the Bank. However, at any of the following situations, the loss shall be borne by the cardholder:
(1) The cardholder intentionally allows the credit card for the fraudulent use by a third party;
(2) The password for cash advance or other transactions at the automatic facilities or other means to identify the cardholder is known to a third party due to the cardholder's intentional or gross negligence;
(3) The cardholder fabricates the transaction or conspires with a third party or a merchant;
(4) The cardholder fails to notify the Bank promptly upon knowing the loss/theft of the credit card, the cardholder fails to notify the Bank within 20 days from the last payment due date.
(5) The fraudulent use by a third party is caused by the cardholder's failure to sign on the signature column on the back of the card.
(6) Upon completion of loss registration procedures of the credit card, the cardholder fails to provide the documents requested by the Bank, refuses to assist in investigation, or acts in ways violating principle of good faith.

3. With respect to cash advances conducted at automatic facilities, the cardholder shall be liable for loss caused by fraudulent use in the period from the occurrence of loss or theft to the loss registration.
*The loss registration fee will incur upon reporting of the loss, and be charged in the latest statement.

 

III. Handling of Dispute Transaction to Credit Cards

1. In cases where there is dispute between the cardholder and the merchant, the Bank shall assist, and handle the matter in favor of the cardholder.

2. Prior to the payment due date of the current period, if there are disputes over the items specified on the statement, the cardholder may submit the reasons and the documents required by the Bank and notify the Bank to request the receipts agency to retrieve the cardholder's sales voucher copy or receipt of refund, or request the Bank to suspend the payment over the disputed transaction.

3. Where the cardholder fails to notify the Bank pursuant to the provision of the preceding paragraph, the items specified on the statement shall be presumed to be true and correct.

4. Where the disputed transaction of which is suspended due to suspicions is proven of no fault by the Bank or the non-deduction is for reasons not attributable to the Bank, the cardholder shall pay the suspended amount upon receiving of EnTie Bank’s notification and shall pay the daily interest base on an annual interest rate of 8.88%~15.00%(daily interest rate 0.0243%~0.0411%).

5. Where request of retrieving the cardholder's sales voucher copy or receipt of refund is made by the Bank, the handling fee of NT$100 for each retrieval shall be paid to the Bank.

 

IV. Revolving Balance Interest and Default Penalties

In the use of revolving credit (i.e., not all the transaction items are paid in full), only the amount equivalent to or exceeding the minimum amount due of the current period (the amount of which shall be no less than NT$ 1,000) must be paid to the Bank, the balance of which will be calculated into the revolving interest and the payment be delayed, which can be paid in full or in part from anytime. The balance will be calculated into the principal account of the revolving credit. The interest rate of the revolving principal account balance shall be calculated at an annual interest rate of 8.88%~15.00%(daily interest rate at 0.0243%~0.0411%), to the date of the settlement of the account. The Bank reserves the right, within the annual interest rate range described above, to adjust the cardholder's rate on an quarterly basis to reflect the cardholder's current credit situation, credit card utilization, payment history and other credit scoring criteria (including but not limited to delayed payment history, payment behavior, short-term financing behavior, total debt exposure, credit utilization, new debt exposure, irregular credit behavior, suspense payment, bounced cheque, suspense credit card, apply for debt restructure and others), as well as operational concerns, production cost, maintenance cost, service delivery costs, processing costs, financing costs and risk considerations. Based on the Bank’s credit scoring system, the Bank will assign an interest rate to each cardholder and inform cardholders of their applicable interest rate via statement messages, written notice or e-mail, or in any other manners as agreed. For cardholders whose interest rate is adjusted upwards, the Bank shall provide notice 60 days in advance. The credit card payable of the current period will not be calculation to the revolving principal account of the current period. Where the revolving credit is applied in the coming period, it may be calculated into the principal account of the revolving balance interest of the coming period. There is no revolving balance interest charged for the current period if the cardholder pays full statement balances by payment due date or if the statement balances with outstanding balance below NT$1,000.
In the event that the cardholder fails to make the minimum amount due by the payment due date, the cardholder will be charged revolving interest and imposed a default penalty fee. The default penalty fee is calculated as follows (In the event that the cardholder violates the agreement and fails to make the minimum amount due by the payment due date for over 3 terms, the default penalty will be charged utmost for 3 consecutive terms.): In the month of default or late payment, the default penalty fee is NT$300. When the cardholder defaults or fails to make the minimum amount due for 2 consecutive months, the default penalty is NT$400. In the event that the cardholder fails to make the minimum amount due by the payment due date for 3 or more consecutive months, the default penalty is NT$500. The cardholder whose monthly outstanding balance is below NT$1000 will not be imposed default penalty.
*Above charges will be collected in the latest statement.

Revolving balance interest calculation example:
Mr. Lin has paid off his balance in the previous month. The closing date for Mr. Lin’s credit card statement is Feb 2 and the payment due date is Feb 18. The revolving interest rate is 15%.
He spends NT$15,000 on March 15, for which the posting date is March 20.
*4/2 statement detail:
(1) Total outstanding balance: NT$15,000
(2) Minimum payment: NT$1,500 (=NT$15,000*10%)
Mr. Lin does not pay any amount by May 2 the closing date, and the outstanding balance is NT$15,000 (=NT$15,000-
NT$0)
*5/2 statement detail:
(1) Revolving balance interest: NT$ 265
((NT$15,000*15%*43days/365(3/20~5/1) = NT$265
(2) Default penalty: Because Mr. Lin fails to make the minimum payment of NT$1,500 on April 18, he will be imposed
default penalty of NT$300 for the first delinquent month.
(3) Total outstanding balance:NT$15,565 (=NT$15,000+NT$264+NT$300)
(4) Minimum payment:NT$3,065 {=NT$1,500[= minimum payment of pervious period]+NT$1,565 [=NT$15,000*5%
(Calculated as NT$1,000 if less than NT$1,000)]+NT$265+NT$300}

 

V. Important Notes

1. The primary cardholder is liable for accounts payable generated from the supplementary cardholder’s usage of the supplementary card. Upon receiving the credit card, the cardholder must read carefully the agreed terms and conditions of credit card and sign on the signature column on the back side to show consent to the stated terms and conditions, so as to activate the credit card.

2. The credit limit of the card upgraded by the cardholder will be subject to that final approval by the Bank. The Bank has the right to cancel the original credit card held by the applicant;

3. A credit card belongs to the Bank and the cardholder must keep and use the credit card with due diligence. The Bank only authorizes the primary cardholder or supplementary cardholder to use the credit card in the manner agreed herein during the valid term of the credit card, which may not be lent, assigned or used by a third party in any way. Otherwise, the Bank may suspend or terminate the cardholder's rights.

4. The cardholder must use the same signature as that shown on the back side of the credit card when purchasing.

5. The activation PIN or other means to identify the cardholder shall be kept confidential and shall not be disclosed to a third party.

6. The cardholder shall neither acquire benefits through forging false transactions or conspiring with a third party, nor use credit cards for financial transactions (excluding insurance premium, mutual funds, etc.) or acquire financing. Upon discovery of any of the above-mentioned circumstances, the Bank has the right to suspend or terminate the use of the credit cards at any time.

7. The cardholder is also be liable for the payable amount incurred by violation of stated agreement, in addition to the loss of the Bank (including attorney fee).

8. Upon the Bank’s written notice of the amendments or additions/deletions to the terms and conditions of the credit card, the cardholder who fails to dispute the same within 7 days upon receipt of the notice will constitute his/his acknowledgment of the changes. If any changes of the agreement referred to in Paragraph 2 of Article 21 therein, the Bank will notify the cardholder in writing or e-mail within 60 days prior to the changes, advising the cardholder that he/he may dispute the changes before effective; notwithstanding, if the cardholder who fails to dispute within the specific time shall constitute his/his acknowledgement of the changes, and that the cardholder may notify the Bank to terminate the terms and conditions of the credit card. If the cardholder terminates the agreement, the Bank will provide a 6-term grace period for the revolving credit payment or installment payment (The original term shall apply, if the original term is less than 6).

9. Where the cardholder meets any of the circumstances referred to Article 22 of the terms and conditions, the Bank may reduce the cardholder's credit limit, adjust the minimum payment due or suspend the cardholder’s right to the credit card, and may shorten the deferred payment period, treat all payable due immediately or terminate the terms and conditions of the credit card.

10. The cardholder may notify the Bank in writing to terminate the terms and conditions of the credit card at any time. Unless it is required or forbidden by law, the Bank may also notify the cardholder to terminate the agreement upon a 60-day prior written notice, in consideration of the safety, risk, and the cardholder’ s credit, finance, consumption and repayment ability, et al.

11. Upon expiration of the cardholder’s credit card, the Bank may notify the cardholder in writing to terminate the terms and conditions of the credit card. Upon termination of the terms and conditions, the primary cardholder and supplementary cardholder will not use the credit card any longer (including that not yet expired).

12.  For the settlement of disputes arising from the financial products or services provided by the Bank as well as the requirements to be reported periodically or irregularly pursuant to laws, and any other notes to be provided, please see the disclosure posted on the Bank’s website.

 

IV. Miscellaneous Clauses

1. When necessary, the Bank may request the applicant to provide a guarantor to be liable for accounts payable by the cardholder and the interest generated due to delayed payment, default penalty and other obligations to the Bank. The applicant and his/her guarantor or the cardholder agree that the Bank, transacting financial institutions, Joint Credit Information Center and National Credit Card Center may collect, process through computer, transmit internationally and use their personal data in accordance with laws.

2. Within seven days from the date of receipt of the application for credit cards, if the applicant notifies the Bank to cancel the agreement, no fee need to be paid, provided the cardholder has commenced using the credit card, this restriction shall not apply.

3. Descriptions of “Installment Transaction through Credit Cards” & “Merchant Installment Services”:

(1) Definition of “Installment Transaction through Credit Cards” is that the Bank will advance to the merchants at a time based on the applied amount. The cardholder shall pay the approved amount by installments (For Credit Card Installment Plan, if installment amount cannot be divided into equal monthly installments, the difference together should be added to the last installment.). The monthly installment amount and the interest if any must be listed as credit card minimum payment due and shall be paid before the payment due date.

(2) Definition of “Merchant Installment Services” is that the Bank will advance the merchants at a time based on the applied amount. As of the date when the program is approved, the cardholder must pay the approved amount by installments chosen by the cardholder (one month for one installment). The monthly installment amount will be included into the cardholder’s monthly credit card minimum payment due and shall be paid before the payment due date.

(3) EnTie Bank enters into no physical relationship with the delivery of products/provision of services, product defects, quality guarantee or after-sale services. As to the return of products or refund due to services cancellation, the cardholder must first contact the contractor for settlement; in case of failure, the cardholder may request the Bank to handle the matter following the Procedures for Suspicions over Accounts in accordance with Article 13 of Credit Card Agreement, and may not use such to contradict the payment to the Bank.

(4) If purchases are made through mail or door-to-door service, the cardholder may cancel the purchase agreement with the merchant pursuant to Article 19 of Consumers Protection Law.

4. Cardholders are required to provide signature verifications for all domestic purchase transactions, except for those merchants can waive signature under NT$ 3,000 at participating food courts, movie theatres, hypermarkets or gas stations.

 

Please manage your finance carefully and value your credit.
Interest on revolving credit and cash advance:8.88-15.00%. Service Charges for cash advance:NT$100 + the amount of cash advance x 3.5%. Base date of interest on revolving credit:Jun 18, 2015.
Customer Service Center: Contact Us

法定公開揭露事項 | 網站隱私權保護聲明 | 消費者保護 | 個人資料保護告知內容 | 金融服務費用資訊專區 | 洗錢防制及打擊資恐專區 | 網站地圖 | 聯絡我們 | 公開資訊觀測站 | 無障礙網頁服務
客服專線:(02)412-8077‧0800-005-999    Copyright © 2008 Entie Commercial Bank, Ltd. All rights reserved.