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智慧理財-消費分期

[{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您卡片已不再使用，需請您本人撥冗致電本行信用卡24小時服務專線，由專員為您處理，或透過以下方式辦理：\r\u003cBR\u003e1.撥打本行語音專線，請您於接通後於語音中輸入身分證字號後9碼數字或信用卡卡號→輸入生日(或電話密碼)，再按4即可輸入卡號後，進入停卡流程。\r\u003cBR\u003e2.將卡片剪斷，註明〝停卡不使用〞，以掛號方式寄回：100900 台北北門郵局第818號信箱 永豐銀行零售金融處卡務管理科收即可。","FAQTITLE":"卡片不用了要如何辦理停卡","FAQNO":"121","DOCRURL":"","SATISFACTIONCOUNT":"1063","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"235755","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/ApplicationStatus","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行在收到您的申請書並確認檢附文件完整，審核時間為登錄您的資料後5~7個工作天完成審核的程序，建議您可於送出申請資料一週後，可利用以下方式查詢申請進度：\r\u003cBR\u003e1.永豐銀行MMA金融交易網\r\u003cBR\u003e2.永豐行動銀行APP\r\u003cBR\u003e3.大咖DACARD APP：點選→更多→信用卡→申辦進度查詢。\r\u003cBR\u003e4.致電本行信用卡24小時服務專線：輸入身分證字號及生日﹝或語音密碼﹞→按6，查詢申請進度。","FAQTITLE":"卡片申請時間要多久？","FAQNO":"115","DOCRURL":"","SATISFACTIONCOUNT":"505","NEWUSERFAQTITLE":"申請進度查詢","FAQCATEGORY":"卡片問題","HOTFAQ":"中","CLICKCOUNT":"146144","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":"5"},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"請致電本行信用卡24小時服務專線，由客服人員為您申請，惟異動的日期仍需依本行規範。","FAQTITLE":"結帳日及繳款截止日可否更改?","FAQNO":"464","DOCRURL":"","SATISFACTIONCOUNT":"348","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"131507","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"可以下列二種方式處理：\r\u003cBR\u003e1.建議您可將此筆金額掛在帳上，作為次月預收款，抵扣次月帳款。\r\u003cBR\u003e2.致電本行信用卡24小時服務專線，由客服人員為您辦理退款，可選擇退回您指定之本人銀行帳戶或開立支票，惟若退費至非永豐銀行帳戶或以支票方式退款需負擔手續費每筆NT$30。","FAQTITLE":"我的帳單上有溢繳款要如何處理？","FAQNO":"474","DOCRURL":"","SATISFACTIONCOUNT":"277","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"低","CLICKCOUNT":"126966","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/payment.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可參考本行各項繳款方式說明，或致電信用卡24小時服務專線輸入身分證字號與生日(或語音密碼)後，按1再按5即有各項繳費方式介紹。","FAQTITLE":"我要如何繳納信用卡費？","FAQNO":"149","DOCRURL":"","SATISFACTIONCOUNT":"709","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"116172","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"繳款","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Auth/Auth1/3?return##%2FTransaction%2FTempCLI\u0026t##1680144389206","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"目前本行申請調高信用額度方式如下： \r\u003cBR\u003e1、調高信用卡固定額度： \r\u003cBR\u003e 若您欲申請永久調高額度，則須請您檢附最新的財力收入證明，以下列方式提供申請， \r\u003cBR\u003e 我們將於3~5個 工作天內審核完畢並以簡訊或信函通知。 \r\u003cBR\u003e (1)電子郵件寄至信用卡額度調整小組BCService@sinopac.com。 \r\u003cBR\u003e (2)傳真至02-8253-8049。 \r\u003cBR\u003e (3)透過永豐銀行MMA金融交易網、永豐行動銀行APP、大咖DACARD APP線上申請。 \r\u003cBR\u003e2、調高信用卡臨時額度 \r\u003cBR\u003e 只要您在本行持卡滿半年，往來正常之卡友，即可來電本行信用卡24小時服務專線 \r\u003cBR\u003e 或可透過永豐銀行MMA金融交易網、永豐行動銀行APP、大咖DACARD APP線上申請\r\u003cBR\u003e 調高臨時額度。 \r\u003cBR\u003e \r\u003cBR\u003e至於申請調高臨時額度的金額，仍需視您的繳款紀錄、消費頻率及消費狀況而定。 \r\u003cBR\u003e調整臨時額度的期間，原則上最多三十天，調整的期間屆滿後，額度將會恢復到您原本的\r\u003cBR\u003e固定額度。 \r\u003cBR\u003e因彈性調高臨時信用額度所產生之消費，超過原本額度之部分，無法享受循環信用額度，\r\u003cBR\u003e將會列入帳單中的「最低應繳金額」中，請於繳款截止日前繳足最低應繳金額，且無法以\r\u003cBR\u003e彈性調高之臨時信用額度來預借現金，調整期間之消費亦無法辦理消費分期。","FAQTITLE":"信用卡可用餘額不足時如何申請調高信用額度？","FAQNO":"117","DOCRURL":"","SATISFACTIONCOUNT":"138","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"98031","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/CardActivation","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可透過下列方式進行卡片開卡： \r\u003cBR\u003e1.網路開卡：請上永豐銀行官網開卡。 \r\u003cBR\u003e2.電話語音開卡：請撥02-6630-3030按1，或02-2528-7776按812，即可進入開卡流程。\r\u003cBR\u003e3.行動銀行APP開卡：點選→信用卡→服務申請→網路開卡。\r\u003cBR\u003e4.大咖DACARD開卡：點選→信用卡→選擇卡片→線上開卡。","FAQTITLE":"當我收到卡片後，要如何開卡？","FAQNO":"119","DOCRURL":"","SATISFACTIONCOUNT":"198","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"95278","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/travel.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"只要您以永豐銀行信用卡或簽帳金融卡，於出發前支付被保險人(持卡本人及其家屬)之公共運輸交通工具全部費用或80%以上旅遊團費，即可享有旅遊險相關保險內容，建請您可參考本行永豐銀行網站旅行綜合平安險。","FAQTITLE":"旅遊刷永豐銀行信用卡是否有提供旅遊平安險的保障?","FAQNO":"451","DOCRURL":"","SATISFACTIONCOUNT":"136","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"85162","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"旅遊綜合險","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Auth/Auth1/4?return##%2FTransaction%2FPermCLI\u0026t##1680144447716","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若目前您欲申請永久調高額度，則須請您檢附最新的財力收入證明(註)，以下列方式提供申請： \r\u003cBR\u003e1.電子郵件寄至信用卡額度調整小組BCService@sinopac.com。 \r\u003cBR\u003e2.傳真至02-8253-8049。 \r\u003cBR\u003e3.透過永豐銀行MMA金融交易網、永豐行動銀行APP、大咖DACARD APP線上申請。 \r\u003cBR\u003e\r\u003cBR\u003e我們將於3~5個工作天內審核完畢並以簡訊或信函通知。 \r\u003cBR\u003e(註)：薪資所得或其他財力證明：如最新年度扣繳憑單或近二個月薪資單、綜所稅各類所得或財產資料清單、\r\u003cBR\u003e 近二個月薪資轉帳或近二個月活存往來明細(含內頁及封面)、定存證明(未到期存單)...等影本。","FAQTITLE":"如何調高信用卡固定額度？","FAQNO":"116","DOCRURL":"","SATISFACTIONCOUNT":"131","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"中","CLICKCOUNT":"81251","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲申請從永豐帳戶固定扣繳信用卡費，您可進入本行MMA金融交易網及永豐行動銀行APP，點選「信用卡」→「服務申請」→「自動扣繳設定」登入後點選「立即申請設定」，並選擇代扣帳號等資料即可完成設定，自動扣繳將於您設定完成後2個工作日生效。(若您設定日為當期帳單繳款截止日後，將於次期帳單生效)。","FAQTITLE":"如果我有永豐銀行帳戶,如何快速申請從帳戶扣款?","FAQNO":"428","DOCRURL":"","SATISFACTIONCOUNT":"190","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"77893","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"繳款","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Account/Info","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可於永豐銀行MMA金融交易網、永豐行動銀行APP及大咖DACARD APP 登入會員後，即可查詢；或請致電本行信用卡24小時服務專線，於輸入身分證字號、生日後按1即可查詢。","FAQTITLE":"如何查詢目前可用的額度?","FAQNO":"512","DOCRURL":"","SATISFACTIONCOUNT":"105","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"66141","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"附卡申請人年齡須滿15歲，且須為正卡持卡人之配偶、父母、子女、兄弟姊妹或配偶父母，申請時須檢附身分證明文件。您可於永豐銀行網站→「個人服務」→「信用卡」→「我要辦卡」→「申請書下載」→下載「永豐信用卡附卡專用網路版申請書」，於線上直接將申請書列印，正、附卡人填妥後簽名，並附上附卡人身分證正反面影本及身分關係證明文件影本，將申請文件備齊後直接反摺寄送至：100900 台北北門郵局第818號信箱　永豐銀行信用卡進件小組收，本行在收到您的信用卡申請資料後，審核的時間約需5-7個工作天，您可透過本行語音或透過永豐銀行MMA金融交易網、永豐行動銀行APP線上或大咖DACARD APP查詢發卡進度。\r\u003cBR\u003e※金融信用卡、DAWHO現金回饋悠遊卡、55688聯名卡、美安卡(零額度)及學生卡等，均無法申請附卡。","FAQTITLE":"請問如何申請附卡？","FAQNO":"420","DOCRURL":"","SATISFACTIONCOUNT":"152","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"中","CLICKCOUNT":"65438","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可利用下列三種方式，完成您金融信用卡的啟用與開卡作業： \r\u003cBR\u003e1.憑「語音密碼」或「理財密碼」：至永豐銀行ATM插入新卡 → 輸入「身分證字號」→「語音/理財密碼」設定金融信用卡密碼，即可完成金融卡及信用卡啟用。 \r\u003cBR\u003e2.憑「原金融卡」或「金融信用卡」：請攜帶原卡及新卡，至永豐銀行ATM插入原卡片(輸入密碼) → 選擇「其他金額及服務」→ 「啟用金融信用卡」→ 請依循ATM畫面指示操作 → 原卡自動退出取回 → 插入「新金融信用卡」→ 設定金融信用卡新的密碼 → 完成開卡使用。 \r\u003cBR\u003e3.持身分證、第二證件及新金融信用卡親至全國永豐銀行任一分行辦理開卡。 \r\u003cBR\u003e","FAQTITLE":"請問金融信用卡如何啟用及開卡？","FAQNO":"421","DOCRURL":"","SATISFACTIONCOUNT":"112","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"58784","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00042","BANKCATEGORYNUM":"creditcard","FAQANSWER":"您的信用卡卡片有效期限到期時，本行會於卡片期限到期前1個月製作並以掛號方式主動寄送新卡至您的帳單地址。","FAQTITLE":"我的卡片快到期了，請問要如何拿到新卡？","FAQNO":"469","DOCRURL":"","SATISFACTIONCOUNT":"185","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"55085","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您有任何信用卡的疑慮需服務或申訴，可撥本行信用卡24小時服務專線02-25287776、申訴專線02-23617258，我們有專人提供您最即時的服務 。","FAQTITLE":"我有信用卡的問題要申訴，請問信用卡服務專線及申訴電話？","FAQNO":"623","DOCRURL":"","SATISFACTIONCOUNT":"104","NEWUSERFAQTITLE":"","FAQCATEGORY":"其他","HOTFAQ":"高","CLICKCOUNT":"51984","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"其他問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00000","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Account/UnbilledTxInquiry","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行帳單皆於繳費後1-3個工作天入帳，若您欲確認入帳狀況，建議您可透過下列方式查詢： \r\u003cBR\u003e1.網路查詢：您可進入永豐銀行MMA金融交易網及永豐行動銀行APP，登入會員後，於「未出帳單明細」→「已請款消費明細」點選「全部顯示」，即可查詢最近一次的繳款記錄。 \r\u003cBR\u003e2.語音查詢：致電本行信用卡24小時服務專線，輸入身分證字號與生日(或語音密碼)後→按1→再按2，即可查詢最近一期帳單的繳費記錄。","FAQTITLE":"如何查詢我的繳款有沒有入帳?","FAQNO":"467","DOCRURL":"","SATISFACTIONCOUNT":"139","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"50587","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"繳款","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx?item##creditcard","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行開放卡友辦理各大金融機構自動轉帳繳付信用卡帳款之申請，您可透過本行網站線上下載「信用卡轉帳付款授權書」，請您填妥後加蓋原開戶印鑑，掛號寄回本行申請，或致電本行信用卡24小時服務專線02-25287776由專人為您郵寄；倘若您欲辦理之自動扣款銀行未列示在申請書中，請您可自行填上銀行名稱、帳號等相關資料。\r\u003cBR\u003e\r\u003cBR\u003e我們收到您的申請書後需要30個工作天的作業時間(永豐帳戶扣款：於收到申請書5個工作日後之最近一期帳單生效；他行帳戶扣款：於收到申請書最長30個工作日生效)，若您帳單上本期消費明細的上方出現您的約定轉帳帳號，即表示信用卡轉帳付款已辦理成功。","FAQTITLE":"我要申請銀行自動轉帳","FAQNO":"148","DOCRURL":"","SATISFACTIONCOUNT":"77","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"50123","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"繳款","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/ApplicationStatus","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可透過以下方式查詢辦卡進度： \r\u003cBR\u003e1.網路查詢：您可透過永豐銀行MMA金融交易網、永豐行動銀行APP或大咖DACARD APP線上查詢目前申請進度。 \r\u003cBR\u003e2.語音查詢：請撥02-6630-3030按3即可查詢。 \r\u003cBR\u003e","FAQTITLE":"如何查詢信用卡的申請進度?","FAQNO":"479","DOCRURL":"","SATISFACTIONCOUNT":"81","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"48734","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/EStatementChange","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行提供卡友「消費彙整通知email服務」，建請您可於登入MMA金融交易網及永豐行動銀行APP後，點選「信用卡」→「行動/電子帳單通知設定」→後勾選同意「收每日消費彙整通知」，約需一個工作天方會生效，無論是國內外之授權交易，皆於每日凌晨以email寄送前一日的消費彙整服務；惟此服務發送的消費紀錄僅為剛完成交易之授權紀錄，本行亦需等待商店請款後，方能得知該筆消費明細或商店名稱，建請您可隨時透過永豐銀行MMA金融交易網及永豐行動銀行APP，於會員註冊並登入會員後，點選「信用卡」→「帳單/查詢」→「未出帳明細」，查看該筆消費請款狀況，即可查閱消費明細。","FAQTITLE":"請問每筆刷卡消費會有通知嗎？","FAQNO":"426","DOCRURL":"","SATISFACTIONCOUNT":"104","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"47951","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"如您欲關閉自動加值功能，因自動加值功能一旦開啟即無法關閉，但您可申請設定下次換發新卡的自動加值功能預設關閉，待拿到卡片後再自行開啟。如您需要設定此服務，請您致電本行信用卡24小時服務專線，可立即為您辦理。","FAQTITLE":"如何關閉悠遊聯名卡的自動加值功能?","FAQNO":"423","DOCRURL":"","SATISFACTIONCOUNT":"49","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"47701","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲變更通訊資料，可透過以下方式申請變更：\r\u003cBR\u003e1.MMA金融交易網：登入本行網路會員後，點選『申請/設定』→『變更聯絡資料』，依步驟申請。\r\u003cBR\u003e2.行動銀行APP：登入本行網路會員後，點選首頁左上角「≡」\u003e『申請/設定服務』\u003e『變更聯絡資料』，即可進行變更。\r\u003cBR\u003e3.大戶APP：登入本行網路會員後，點選「更多」\u003e『銀行帳號右邊箭頭』，即可進行變更。\r\u003cBR\u003e4.請您本人致電本行信用卡24小時服務專線02-25287776，由客服人員協助您辦理。","FAQTITLE":"如何變更帳單收件地址及聯絡電話？","FAQNO":"130","DOCRURL":"","SATISFACTIONCOUNT":"573","NEWUSERFAQTITLE":"","FAQCATEGORY":"資料變更","HOTFAQ":"高","CLICKCOUNT":"47130","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"資料變更","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00003","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"歡迎您申請永豐銀行信用卡，正卡申請人之年齡需依中華民國相關法令規定之成年人，為完全行為能力人且具有獨立穩定 之經濟來源與充分之還款能力。正卡人申請時須檢附身分證明文件及所得或財力等可證明還款能力之相關 資料。附卡申請人年齡須滿15歲，且須為正卡持卡人之配偶、父母、子女、兄弟姊妹或配偶父母，申請時 須檢附身分證明文件。 \r\u003cBR\u003e您可於本行永豐銀行網站下載申請書，選定您喜愛之卡別，於線上直接將信用卡申請書列印填妥後親筆 \r\u003cBR\u003e簽名，並附上身分證正反面影本及相關財力證明文件(如：薪資所得或其他財力證明等影本)，將申請文件 \r\u003cBR\u003e備齊後直接反摺寄送至「100900 台北北門郵局第818號信箱 永豐銀行信用卡進件小組收」，若您擔心所寄郵 件無法查詢寄送進度，建議您改以掛號方式郵寄，方可持掛號編號逕向郵局查詢；本行在收到您的信用卡 申請資料後，審核時間約需5-7個工作天。另，本行將視需要要求申請人提供財力或其他證明文件，並保 \r\u003cBR\u003e留最後核准與否之權利。 \r\u003cBR\u003e註：薪資所得或其他財力證明：如最新年度扣繳憑單或近二個月薪資單、綜所稅各類所得或財產資料清單、近二個月薪資轉帳或近二個月活存往來明細(含內頁及封面)、定存證明(未到期存單)...等影本。","FAQTITLE":"信用卡申請要什麼條件？要準備什麼？","FAQNO":"114","DOCRURL":"","SATISFACTIONCOUNT":"78","NEWUSERFAQTITLE":"申請資格文件","FAQCATEGORY":"卡片問題","HOTFAQ":"中","CLICKCOUNT":"44710","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":"4"},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"倘若您卡片遺失或被偷，您可透過以下方式辦理掛失及補發： \r\u003cBR\u003e一、掛失：\r\u003cBR\u003e1.立即致電本行信用卡24小時服務專線02-2528-7776 (國外撥打方式：透過當地國際台撥打886-2-2528-7776)，接通後於語音中按快速碼6，即可轉接專人辦理掛失。 \r\u003cBR\u003e2.登入永豐銀行MMA金融交易網、永豐行動銀行APP及大咖DACARD APP會員，即可線上申請掛失。\r\u003cBR\u003e二、申請補卡：\r\u003cBR\u003e1.請您本人撥冗致電本行信用卡24小時服務專線02-25287776，由專人協助補發新卡。\r\u003cBR\u003e2.登入大咖DACARD APP會員→信用卡→選擇欲補發卡片→補發卡片。","FAQTITLE":"若卡片不小心遺失了，該怎麼辦？如何申請補發？","FAQNO":"118","DOCRURL":"","SATISFACTIONCOUNT":"138","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"44507","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"請至臺北各捷運站的悠遊卡加值機AVM或全台7-11、全家(含FamiPort機台)、萊爾富、OK便利商店各門市，進行「悠遊卡自動加值功能開啟」作業，此功能一經啟用後即無法關閉。\r\u003cBR\u003e※若您的悠遊聯名卡已預設開啟自動加值功能，則無須進行此步驟。","FAQTITLE":"如何啟用悠遊聯名卡的自動加值功能?","FAQNO":"422","DOCRURL":"","SATISFACTIONCOUNT":"70","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"42774","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00056","BANKCATEGORYNUM":"creditcard","FAQANSWER":"持卡人每期最低應繳金額為：持卡人當期新增一般消費款項之10%，加計前期信用額度內使用信用卡交易金額及當期新增非消費款項之5%(註)，加上超過信用額度之全部使用信用卡交易金額、累計當期以前各期逾期未付最低應繳款項之總和、當期信用卡分期付款應付之本金及利息、循環信用利息、違約金、年費、預借現金手續費、掛失手續費、調閱簽單手續費、其他手續費及服務費等應繳費用，如總額低於NT$500，以NT$500計。「消費款項」係指持卡人當期訂購商品、取得服務、代付費用而使用信用卡付款之金額，不包含預借現金及代償其他金融機構之債務。\u003cbr\u003e註：104.07.01起，最低應繳金額計算方式調整，即當期預借現金、前期未清償之消費帳款及預借現金等應付帳款於104年6月30日《含》以前所發生者仍適用2%，104年7月01日《含》以後所發生者則為5%。","FAQTITLE":"如何計算每月須繳的最低應繳金額？","FAQNO":"468","DOCRURL":"","SATISFACTIONCOUNT":"22","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"40306","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"各項費用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/MemberPortal/Member/ApplyMmaIndex.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可以透過MMA金融交易網及永豐行動銀行APP的「申請網銀/忘記密碼」，使用正卡卡友資訊，進行身分驗證後，設定新的使用者代碼/網路密碼。\r\u003cBR\u003e\r\u003cBR\u003e","FAQTITLE":"我忘記信用卡會員的使用者代碼或網路密碼時，該怎麼辦？","FAQNO":"131","DOCRURL":"","SATISFACTIONCOUNT":"527","NEWUSERFAQTITLE":"忘記代碼密碼","FAQCATEGORY":"其他","HOTFAQ":"高","CLICKCOUNT":"39299","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"其他問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00000","NEWUSERFAQ":"2"},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"信用卡尚未開卡、卡片餘額不足、卡片磁條毀損、授權電腦系統網路中斷、特約商店操作不當、卡號及效期是否正確及透過大咖APP開啟/關閉國內/外、實體/線上交易及單筆交易額度等設定，都可能造成信用卡不能使用，建請您本人撥冗致電本行信用卡24小時服務專線，由專員為您查詢處理。","FAQTITLE":"我的卡片為何不能刷卡？","FAQNO":"142","DOCRURL":"","SATISFACTIONCOUNT":"53","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"38826","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/travel.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"旅遊不便險包含： \r\u003cBR\u003e1.班機延誤險(4小時以上)。 \r\u003cBR\u003e2.行李延誤險(6-24小時)。 \r\u003cBR\u003e3.行李遺失險(超過24小時以上)。 \r\u003cBR\u003e4.劫機補償險(限無限卡、商務世界卡、世界卡、商務御璽卡、御璽卡、商務鈦金卡、鈦金卡、晶緻卡、公司卡)。 \r\u003cBR\u003e5.文件重置險(限無限卡、商務世界卡、世界卡、商務御璽卡、御璽卡、商務鈦金卡、鈦金卡、晶緻卡、公司卡)。\r\u003cBR\u003e詳細內容建請您可參考本行永豐銀行網站旅行綜合平安險說明。","FAQTITLE":"旅遊不便險保障範圍為何?","FAQNO":"489","DOCRURL":"","SATISFACTIONCOUNT":"44","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"36854","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"旅遊綜合險","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"信用卡毀損申請補發方式如下：\r\u003cBR\u003e1.請主卡人致電本行信用卡24小時服務專線，由專人協助您換卡事宜。\r\u003cBR\u003e2.登入大咖DACARD APP會員，點選下排選項「信用卡」→「卡片」→「選擇要換發之卡片」→「卡片管理」→「補發卡片」。\r\u003cBR\u003e3.將卡片折斷註明「卡片毀損或換發原因」，以掛號方式寄回：100900 台北北門郵局第818號信箱 永豐銀行零售金融處收即可。\r\u003cBR\u003e\r\u003cBR\u003e※寄卡作業時間約3~5工作天，將酌收製卡費用200元整。","FAQTITLE":"卡片毀損如何申請補發？","FAQNO":"120","DOCRURL":"","SATISFACTIONCOUNT":"24","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"36781","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"請您致電本行信用卡24小時服務專線02-25287776，並提供護照內頁影本，即可由客服人員協助您修改及申請卡片換發。","FAQTITLE":"我卡片上英文名字與護照上英文名字不同，可以修改嗎？","FAQNO":"471","DOCRURL":"","SATISFACTIONCOUNT":"93","NEWUSERFAQTITLE":"","FAQCATEGORY":"資料變更","HOTFAQ":"低","CLICKCOUNT":"34273","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"資料變更","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00003","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Auth/Auth1/6?return##%2FTransaction%2FRTE\u0026t##1719890090591","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"國內外信用卡單筆消費滿新台幣1,000元以上，即可申辦最高12期分期付款；滿新台幣3,000元以上，可申辦最高30期分期付款（須負擔分期利息）。 \r\u003cBR\u003e倘若您欲辦理消費分期，請您可於完成刷卡後，帳單結帳日前，透過永豐銀行MMA金融交易網及永豐行動銀行APP登入會員後，點選「信用卡」→「分期/預借現金」→「單筆消費分期」依序操作；或請您撥冗致電本行信用卡24小時服務專線，將有專人為您服務。\r\u003cBR\u003e","FAQTITLE":"我的消費可以辦理分期嗎？","FAQNO":"438","DOCRURL":"","SATISFACTIONCOUNT":"132","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"32613","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"消費分期","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"是指您名下的信用卡（含正、附卡）可以用來刷卡消費的金額，即您的信用額度扣除尚未繳款的部份（含前期帳單尚未至繳款期限之款項加上本期您已消費之款項）。舉例來說：您的信用額度有NT$30萬，前期帳單有NT$10萬尚未繳款，而您本期已消費NT$15萬，則您剩餘之可用餘額為NT$5萬。","FAQTITLE":"什麼是可用餘額？","FAQNO":"606","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"31918","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"如您的帳單上產生溢繳款項時，可致電本行信用卡24小時服務專線由專人為您申請退還溢繳信用卡款項至您指定之本人銀行帳戶或開立支票，惟若退費至非永豐銀行帳戶或以支票方式退款需負擔手續費每筆NT$30；如未申請領回溢繳款者，將折抵您後續的新增信用卡款項，請您放心。","FAQTITLE":"請問帳單上有多繳款項，可以退回嗎？需要收取手續費嗎？","FAQNO":"147","DOCRURL":"","SATISFACTIONCOUNT":"72","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"29556","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx?item##creditcard","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可透過永豐銀行網站下載「公用事業費用約定書」列印資料填寫完成回傳即可，申請時間需7個工作天生效。","FAQTITLE":"我要如何取消水費、電費、中華電信、瓦斯費代繳？","FAQNO":"506","DOCRURL":"","SATISFACTIONCOUNT":"34","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"29398","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/manage/credit-staging-single.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"持卡人可於申請日翌日起算七日內來電本行信用卡24小時服務專線取消，無需負擔任何費用或違約金。指定時間之後持卡人亦得隨時申請提前結清本專案之分期付款剩餘款項，除已收取之分期利息/手續費/其他衍生費用不予退還外，未入帳之剩餘利息將不再計收，惟須支付提前清償手續費。每筆提前清償手續費以剩餘尚未入帳期數×NT$30計收。","FAQTITLE":"可以取消單筆消費分期嗎？","FAQNO":"440","DOCRURL":"","SATISFACTIONCOUNT":"38","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"28345","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"消費分期","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-pickup.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"國際機場接/送機服務需使用指定卡別且符合免費服務資格條件，使用限制請參閱永豐銀行網站說明。","FAQTITLE":"請問使用機場接送的資格？","FAQNO":"441","DOCRURL":"","SATISFACTIONCOUNT":"72","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"28096","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場接送","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Account/StatementInquiry","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可於登入永豐銀行MMA金融交易網會員後點選「信用卡」→「近期帳單」即可查詢最近一年帳單明細，或請致電本行信用卡24小時服務專線由專人為您查詢。","FAQTITLE":"如何查詢歷史的消費明細?","FAQNO":"466","DOCRURL":"","SATISFACTIONCOUNT":"58","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"28079","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/manage/cash-advance.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"倘若您欲使用預借現金，請您透過永豐銀行MMA金融交易網及永豐行動銀行APP，點選「信用卡」→「分期/預借現金」→「預借現金」並於登入會員後，輸入卡號、效期、預借金額及轉帳行庫的資料還有驗證碼即可；您亦可撥打本行信用卡24小時服務專線，「按快速鍵888」→「輸入身分證字號」→「輸入出生月日」→「輸入卡號16碼」→「使用預借現金密碼請按1」→「輸入預借現金密碼」→「輸入欲轉入帳戶之3位數金融機構代號」→「輸入欲轉入帳戶之4位數字分支機構代號」→「輸入欲轉入之本人帳號」即可；或透過全省ATM標示聯合信用卡中心標誌或是財金資訊公司標誌的ATM自動提款機「插入永豐信用卡」→「選擇信用卡服務」→「輸入預借現金密碼」→「選擇欲提領的金額」即可申請。\r\u003cBR\u003e※本行COMBO卡ATM預借現金，僅限於國內本行自動櫃員機辦理。","FAQTITLE":"如何操作預借現金?","FAQNO":"158","DOCRURL":"","SATISFACTIONCOUNT":"50","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"27633","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/MyMMA/UPF_profile/UPFOTP.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行MMA金融交易網會員，可透過以下方式修改信用卡現居地址\r\u003cBR\u003e1.MMA金融交易網：登入本行網路會員後，點選『申請/設定』→『變更聯絡資料』，依步驟申請。\r\u003cBR\u003e2.行動銀行APP：登入本行網路會員後，點選首頁左上角「≡」\u003e『申請/設定服務』\u003e『變更聯絡資料』，即可進行變更。\r\u003cBR\u003e3.大戶APP：登入本行網路會員後，點選「更多」\u003e『銀行帳號右邊箭頭』，即可進行變更。\r\u003cBR\u003e\r\u003cBR\u003e若非MMA金融交易網會員，則需請您致電本行信用卡24小時服務專線02-2528-7776，由客服人員協助您辦理。","FAQTITLE":"請問網站可變更帳單寄送地址嗎？","FAQNO":"470","DOCRURL":"","SATISFACTIONCOUNT":"51","NEWUSERFAQTITLE":"","FAQCATEGORY":"資料變更","HOTFAQ":"高","CLICKCOUNT":"27250","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"資料變更","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00003","NEWUSERFAQ":""},{"MOREURL":"https://mma.sino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\r\u003cBR\u003e1.您可進入永豐銀行MMA金融交易網及永豐行動銀行APP後，於註冊（登入）會員後點選「信用卡」服務申請「補寄信用卡帳單」。 \r\u003cBR\u003e2.致電本行信用卡24小時服務專線，輸入身分證字號與生日(或語音密碼)後→按1→再按3，即可完成最近三期帳單的補寄、傳真及簡訊傳送。\r\u003cBR\u003e","FAQTITLE":"可以補寄帳單嗎？","FAQNO":"123","DOCRURL":"","SATISFACTIONCOUNT":"88","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"25947","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/ATMPINSetup","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"倘若您欲申請預借現金密碼函，您可透過永豐銀行MMA金融交易網及永豐行動銀行APP登入網站會員後，點選「信用卡」→「服務申請」→「預借現金密碼申請」→「輸入卡號」即可申請，或來電本行信用卡24小時服務專線02-25287776，由人員為您辦理。","FAQTITLE":"如何申請預借現金密碼函?","FAQNO":"159","DOCRURL":"","SATISFACTIONCOUNT":"63","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"25092","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可透過以下方式索取本行信用卡申請書： \r\u003cBR\u003e1.於本行永豐銀行網站下載申請書 \r\u003cBR\u003e2.透過線上留言申辦，留下相關資料後將有專人與您聯繫。 \r\u003cBR\u003e3.致電本行申辦專線02-6630-3030→按2，留下聯絡電話後，將有專人與您聯絡協助您申辦信用卡。\r\u003cBR\u003e4.於永豐銀行各分行臨櫃索取\r\u003cBR\u003e","FAQTITLE":"我要申請卡片，如何索取申請書？","FAQNO":"113","DOCRURL":"","SATISFACTIONCOUNT":"97","NEWUSERFAQTITLE":"申請信用卡","FAQCATEGORY":"卡片問題","HOTFAQ":"中","CLICKCOUNT":"25002","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":"3"},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/discount/650410355.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"刷繳指定稅款及燃料費相關優惠，請參閱本行網站相關活動訊息。","FAQTITLE":"代繳牌照稅可以辦理分期嗎？","FAQNO":"485","DOCRURL":"","SATISFACTIONCOUNT":"91","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"24889","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"消費分期","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"變更學生身分及提高永久信用額度之事宜，需請您提供畢業證書、目前任職的工作證明，例如：名片或識別證等，以及相關財力證明文件，例如：最新年度扣繳憑單、近二個月薪資單、定存單影本或近二個月活存封面與內頁影本等，並註明身分證字號、白天聯絡電話、公司名稱、公司電話、公司地址、職稱。另需註明〝變更學生身分及提高信用額度〞之字樣後，請您郵寄至：100900 台北北門郵局第818號信箱 永豐銀行零售金融處卡務管理科收，本行將於收到您的申請資料後，轉請相關單位處理，約需5-7個工作天完成變更及審核的程序。\r\u003cBR\u003e屆時，您可透過永豐銀行MMA金融交易網及永豐行動銀行APP，於註冊並登入網站會員後，點選「信用卡」→「服務申請」→「信用卡額度調整進度」即可查詢相關資訊，或請您電洽本行信用卡24小時服務專線02-25287776，我們將提供您完整之服務。\r\u003cBR\u003e\r\u003cBR\u003e","FAQTITLE":"我原本是學生卡，現在已經畢業了。請問該如何變更身分和申請額度提高?","FAQNO":"178","DOCRURL":"","SATISFACTIONCOUNT":"32","NEWUSERFAQTITLE":"","FAQCATEGORY":"資料變更","HOTFAQ":"低","CLICKCOUNT":"24821","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"資料變更","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00003","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"使用信用卡卻無法完成交易，主要可能的原因如下： \r\u003cBR\u003e1.因您的信用卡本身磁條（或晶片）受損或卡片毀損，而使得刷卡機無法辨識或讀取。 \r\u003cBR\u003e2.您的消費或未清償餘款已超過消費額度。 \r\u003cBR\u003e3.截至消費當時，本行尚未收到您上期帳單的最低應繳金額。 \r\u003cBR\u003e4.您當日消費金額或次數突然增多。 \r\u003cBR\u003e5.由於線路繁忙或系統問題，造成商店無法順利取得發卡機構的授權碼，致無法完成該筆刷卡交易。 \r\u003cBR\u003e6.透過大咖APP開啟/關閉國內/外、實體/線上交易及單筆交易額度等設定。\r\u003cBR\u003e請您致電本行信用卡24小時服務專線由專人為您查詢。","FAQTITLE":"我在商店發生無法順利刷卡情形怎麼辦？","FAQNO":"609","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"24654","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://dacard.tw/how/#pay_bill_tax_automatic","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"目前可申請代繳：台北市、新北市、桃園市、新竹縣、新竹市、台中市、台南市、高雄市的停車費 ；您可填寫書面資料或透過永豐銀行網站線上申請。\r\u003cBR\u003e1.書面申請方式：您可透過永豐銀行網站下載「公用事業費用約定書」列印資料填寫完成回傳即可；透過填寫申請書的方式約7個工作天生效。\r\u003cBR\u003e2.網站申辦方式：可下載大咖APP查詢及設定停車費代扣繳服務，約3個工作日生效，如欲了解更多請至大咖官網。\r\u003cBR\u003e\r\u003cBR\u003e","FAQTITLE":"如何申請用信用卡代繳停車費?","FAQNO":"430","DOCRURL":"","SATISFACTIONCOUNT":"44","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"22658","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"目前可申請代繳：水費、電費、中華電信，您可透過永豐銀行網站下載「公用事業費用約定書」列印資料填寫完成回傳即可，申請時間需45個工作天生效。","FAQTITLE":"可以用信用卡代繳水費、電費、中華電信費嗎？","FAQNO":"505","DOCRURL":"","SATISFACTIONCOUNT":"44","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"22114","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00056","BANKCATEGORYNUM":"creditcard","FAQANSWER":"持卡人如未於每月繳款截止日前付清當期最低應繳金額，除應依約定計付循環信用利息至該筆帳款結清之日止，並應自逾期之日起每月計付違約金，違約金計算方式為：未依約繳款當月之違約金為NT$300；連續第二個月未依約繳款之違約金為NT$400；連續第三個月未依約繳款之違約金為NT$500（若「當期帳單應繳總金額」為NT$1000以下者不收取違約金）。每次違約最多連續收取三個月。","FAQTITLE":"什麼情況下會產生逾期延滯金？","FAQNO":"473","DOCRURL":"","SATISFACTIONCOUNT":"42","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"21339","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"各項費用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您已是本行原持卡卡友，可透過下列方式加辦卡片，不須再附上財力證明文件或是身分證件。 \r\u003cBR\u003e1.線上辦卡：您可於永豐銀行網站→「個人服務」→「信用卡」→「我要辦卡」→「線上辦卡」選擇您喜愛之卡別並透過永豐卡友驗證身分後辦理即可。 \r\u003cBR\u003e2.傳真/郵寄辦卡：您可於永豐銀行網站→「個人服務」→「信用卡」→「我要辦卡」→「 申請書下載 」，於線上直接將「銀行卡簡易版申請書」或「聯名卡簡易版申請書」列印填妥後親筆簽名傳真或寄回本行申請。 \r\u003cBR\u003e待本行收到申請書後，約需3-5個工作天完成審核的程序，屆時，您可透過永豐銀行MMA金融交易網、永豐行動銀行APP或大咖DACARD APP線上查詢申請進度，或致電本行信用卡24小時服務專線：輸入身分證字號及生日﹝或語音密碼﹞→按6，查詢申請進度。 \r\u003cBR\u003e※申請金融信用卡/幣倍卡需事先於本行開立台幣/外幣帳戶。\r\u003cBR\u003e","FAQTITLE":"我是舊卡友，想再辦貴行其他卡，需要再附資料嗎？","FAQNO":"133","DOCRURL":"","SATISFACTIONCOUNT":"57","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"中","CLICKCOUNT":"21261","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00041","BANKCATEGORYNUM":"creditcard","FAQANSWER":"您可依您平時習慣性簽名，中英文名皆可，惟提醒您須於信用卡上完成簽名後再持卡消費，消費時簽單上及卡片上簽名樣式須相同。","FAQTITLE":"卡片簽名是否一定要簽英文名？","FAQNO":"480","DOCRURL":"","SATISFACTIONCOUNT":"183","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"20946","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"申請人之年齡需依中華民國相關法令規定之成年人，為完全行為能力人且具有獨立穩定之經濟來源與充分之還款能力。申請時須檢附護照及居留證文件及所得或財力等可證明還款能力之相關資料，例如：報稅資料、最新年度扣繳憑單、近二個月薪資單、近二個月薪資轉帳(含內頁及封面)等影本。本行在收到您的信用卡申請資料後，審核時間約需5-7個工作天。另，本行將視需要要求申請人提供財力或其他證明文件或徵提保証人，並保留最後核准與否之權利。","FAQTITLE":"外國人可以申請信用卡嗎?","FAQNO":"481","DOCRURL":"","SATISFACTIONCOUNT":"49","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"20749","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-parking.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"限持卡本人使用，以下方所列卡片刷卡支付本人當次出國機票全額或80%以上國外旅遊團費，且前述消費需單筆達NT$20,000以上 (其中永傳世界卡、永富世界卡為單筆達NT$15,000以上) 且消費店家已完成請款入帳者，於當次刷卡消費90天內享停車優惠，適用卡別及優惠如下：\r\u003cBR\u003e•\t永豐財富無限卡持卡人可享一年不限次數，每次最長10天免費停車服務。\r\u003cBR\u003e•\t永傳世界卡持卡人可享一年12次數，每次最長30天免費停車服務。\r\u003cBR\u003e•\t永富世界卡持卡人可享一年12次數，每次最長10天免費停車服務。\r\u003cBR\u003e•\t永豐美安無限卡持卡人可享一年不限次數，每次最長30天免費停車服務；美安鈦金卡、美安商務鈦金卡、美安白金卡持卡人可享一年3次，每次最長10天免費停車服務。\r\u003cBR\u003e•\t永豐銀行商務世界卡及世界卡持卡人可享一年3次，每次最長7天免費停車服務。\r\u003cBR\u003e•\t永豐銀行商務御璽卡、御璽卡、商務鈦金卡、鈦金卡、晶緻卡、白金卡、簽帳金融卡持卡人可享一年2次，每次最長5天免費停車服務。\r\u003cBR\u003e\r\u003cBR\u003e其他相關注意事項說明，建請您可參考本行永豐銀行網站機場外圍停車服務。","FAQTITLE":"機場停車權益使用資格與免費使用次數/天數？","FAQNO":"175","DOCRURL":"","SATISFACTIONCOUNT":"35","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"20663","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場停車","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/EStatementChange","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲申請本行提供之行動／電子帳單，您可進入永豐銀行MMA金融交易網及永豐行動銀行APP，登入網站會員後勾選「同意收信用卡行動／電子帳單」並點選「確認」即可完成行動／電子帳單申請。","FAQTITLE":"我要申請行動／電子帳單","FAQNO":"152","DOCRURL":"","SATISFACTIONCOUNT":"147","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"20519","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/manage/billpay-staging.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您當期信用卡帳單應繳總金額扣除最低應繳金額後滿NT$3,000，即可於帳單繳款截止日前，透過永豐銀行MMA金融交易網及永豐行動銀行APP登入會員後，點選「信用卡」→「分期/預借現金」→「帳單分期」→「立即申請」，或請您撥冗致電本行信用卡24小時服務專線02-25287776，將有專人為您服務。（設定自動轉帳付款者請於繳款截止日五日前來電申辦，須負擔分期利息。）","FAQTITLE":"請問帳單可以辦分期嗎？","FAQNO":"436","DOCRURL":"","SATISFACTIONCOUNT":"52","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"19878","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"消費分期","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00057","BANKCATEGORYNUM":"creditcard","FAQANSWER":"本行服務限持卡人本人使用，若有同行親友，於台灣地區視搭乘人數及出車狀況以提供四人座轎車或七人座商務車一車為接送，並僅以乘員及行李可乘載範圍為限，超過一車所乘載之範圍，需另行增加車輛之費用並由持卡人自行負擔。持卡人不得指定車輛之種類、大小或廠牌。","FAQTITLE":"機場接送服務限制我本人搭乘嗎?若家人或是友人可以一起搭乘嗎?","FAQNO":"446","DOCRURL":"","SATISFACTIONCOUNT":"27","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"19677","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場接送","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/EStatementChange","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲變更電子帳單收件信箱，您可進入永豐銀行MMA金融交易網及永豐行動銀行APP，點選「信用卡」→「服務申請」→「行動／電子帳單通知設定」，於「信用卡電子帳單寄送信箱」旁點選「變更」即可進行修改，或來電本行信用卡24小時服務專線02-25287776，由人員為您辦理。","FAQTITLE":"請問如何變更電子郵件信箱？","FAQNO":"155","DOCRURL":"","SATISFACTIONCOUNT":"46","NEWUSERFAQTITLE":"","FAQCATEGORY":"資料變更","HOTFAQ":"中","CLICKCOUNT":"19236","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"資料變更","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00003","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您的中文姓名已變更，毋須填寫書面文件，請您備齊最新身分證正反面影本（如果您的護照也已辦妥更名手續，請加附護照影本），連同您的信用卡（信用卡煩請剪斷），並註明聯絡電話及 「換卡─中英文姓名更改」字樣之說明紙條，一併以掛號寄回，本行地址為： \r\u003cBR\u003e100900 台北北門郵局第818號信箱 \r\u003cBR\u003e永豐銀行零售金融處卡務管理科收 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當次出國最多僅能使用2次，且須於刷卡後90日內使用完畢。其餘詳使用規範可參考本行永豐銀行網站說明。\r\u003cBR\u003e","FAQTITLE":"使用貴賓室有什麼限制?","FAQNO":"449","DOCRURL":"","SATISFACTIONCOUNT":"16","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"12854","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場貴賓室","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-vip.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"1.\t申請資格：\r\u003cBR\u003e【永傳世界卡/永富世界卡】\r\u003cBR\u003e持有有效之永傳世界卡或永富世界卡，即可申請「龍騰卡電子票卡」。\r\u003cBR\u003e【永豐財富無限卡、世界卡、幣倍卡】\r\u003cBR\u003e前一年度享機場貴賓室權益之指定卡片（永豐財富無限卡、世界卡、幣倍卡、美安聯名卡）正、附卡合計累積一般消費達NT$30萬(含)以上方可申請「龍騰卡電子票卡」。\r\u003cBR\u003e（例如︰客戶持有卡片一般消費，永豐財富無限卡10萬元、世界卡10萬元、幣倍卡5萬元、美安聯名卡5萬元，合計為30萬元）\r\u003cBR\u003e2.\t申請方式：\r\u003cBR\u003e請於使用龍騰卡機場貴賓室/機場餐廳前三個工作天申請「龍騰卡電子票卡」，每位適用對象限核發一張「龍騰卡電子票卡」且限本人使用，申請時須符合使用資格且持有適用本優惠之有效信用卡。\r\u003cBR\u003e3.\t續卡：\r\u003cBR\u003e龍騰卡電子票卡效期一年，本行將於每年12月下旬開放申請續卡，惟需符合續卡資格。可透過永豐銀行官網所提供的申請連結進行申請作業。\r\u003cBR\u003e4.\t續卡資格：\r\u003cBR\u003e【永豐財富無限卡、世界卡、幣倍卡、美安聯名卡】\r\u003cBR\u003e前一年度享機場貴賓室權益之指定卡片（永豐財富無限卡、世界卡、幣倍卡、美安聯名卡）正、附卡合計累積一般消費達NT$30萬(含)以上方可申請「龍騰卡電子票卡」。","FAQTITLE":"如何申請龍騰卡電子票卡？","FAQNO":"447","DOCRURL":"","SATISFACTIONCOUNT":"17","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"12836","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場貴賓室","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/about/introduction/announcement/legal-disclaimers/15ec14ed152000003534f0b3dfa4fadc.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"國外交易服務費，除包含各信用卡組織收取之費用外，本行每筆另按交易金額0.5%計收。現行各國際組織收取費用為VISA 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\r\u003cBR\u003e*本行保留易通財預借現金核准與否以及決定核准金額之權利。 \r\u003cBR\u003e*申請「易通財」之金額及手續費不適用本公司紅利享樂回饋計劃，故無法累積紅利點數。\r\u003cBR\u003e","FAQTITLE":"如何申請「易通財」預借現金專案？","FAQNO":"165","DOCRURL":"","SATISFACTIONCOUNT":"29","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"12441","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-parking.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"適用停車場 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\r\u003cBR\u003e2.於飛機原訂起飛前五小時或實際起飛前五小時搭乘交通工具前往機場期間。 \r\u003cBR\u003e3.於機場內。 \r\u003cBR\u003e4.於飛機抵達機場後五小時內，搭乘交通工具離開機場期間。\r\u003cBR\u003e 詳細內容建請您可參考本行永豐銀行網站旅行綜合平安險說明。","FAQTITLE":"旅遊平安險保障範圍為何？","FAQNO":"488","DOCRURL":"","SATISFACTIONCOUNT":"18","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"11560","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"旅遊綜合險","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行行動／電子帳單將於結帳日後一個工作天，即會寄送至您指定之手機號碼／電子信箱。","FAQTITLE":"請問何時會收到行動／電子帳單？","FAQNO":"150","DOCRURL":"","SATISFACTIONCOUNT":"29","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"11375","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/bonus/product.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行提供多元化的兌換通路及方式，讓您盡情享受兌換樂趣，請您透過永豐銀行網站「紅利商品兌換」查閱您喜好的點數兌換紅利商品項目，即可進行兌換。","FAQTITLE":"我的紅利點數可兌換甚麼紅利商品？","FAQNO":"434","DOCRURL":"","SATISFACTIONCOUNT":"159","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"10629","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Account/UnbilledTxInquiry","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行帳單皆於繳費後1-3個工作天入帳，若您欲確認入帳狀況，建議您可透過下列方式查詢： \r\u003cBR\u003e1.網路查詢：您可進入永豐銀行MMA金融交易網及永豐行動銀行APP，登入會員後，於「未出帳單明細」→「已請款消費明細」點選「全部顯示」，即可查詢最近一次的繳款記錄。 \r\u003cBR\u003e2.語音查詢：致電本行信用卡24小時服務專線，輸入身分證字號與生日(或語音密碼)後→按1→再按2，即可查詢最近一期帳單的繳費記錄。","FAQTITLE":"查詢最近一筆繳費入帳記錄？","FAQNO":"124","DOCRURL":"","SATISFACTIONCOUNT":"48","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"10340","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"繳款","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"學生卡申請條件為年滿18歲之在學學生，正卡申請人需於申請書上填寫父母或法定代理人的姓名及聯絡電話，另附上財力證明（年收入10萬元以上...等收入財力證明）；學生持卡人所持有卡片以三家(含本行)發卡機構為限，且核給之歸戶額度不得逾新臺幣二萬元，本行將發卡情事通知其父母或法定代理人（此依行政院金管會銀行局之規範）。本行保留申請核准與否之權利。如經由其他管道或接獲家長反映其子女為全職學生身分之正卡持卡人，且有超出清償能力刷卡情形時，本行將立即配合處理。\r\u003cBR\u003e(註：收入財力證明如最新年度扣繳憑單或近二個月薪資單或勞保卡...等影本。)","FAQTITLE":"請問學生可以辦卡嗎？","FAQNO":"136","DOCRURL":"","SATISFACTIONCOUNT":"59","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"10004","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡申請","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您的預借現金額度會依您於本行往來付款之情形及信用狀況，決定是否提供預借現金服務，並於每月信用卡對帳單會員訊息列示預借現金額度，您亦可致電本行信用卡24小時服務專線02-25287776查詢。","FAQTITLE":"為什麼無法預借現金？","FAQNO":"615","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"9620","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"使用信用卡繳稅，同一個身分證統一編號只能使用一次。如繳稅金額或納稅義務人有變動，得於信用卡繳稅截止時間前，以書面向信用卡發卡銀行申請取消授權，並於次一營業日透過電話語音或網路繳稅服務網頁查詢確認授權已取消；於信用卡繳稅截止時間前，仍得再次申請以信用卡繳稅。","FAQTITLE":"我已經授權過一筆綜合所得稅申報自繳稅款，可以再用信用卡授權繳交稅款嗎？","FAQNO":"528","DOCRURL":"","SATISFACTIONCOUNT":"6","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"9524","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/travel.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"沒有。永豐信用卡或簽帳金融卡提供之旅行平安險被保險人限為持卡人本人及其配偶與受其扶養未滿二十五足歲之未婚子女。","FAQTITLE":"若使用卡片刷父母親的機票款全額，有提供旅遊平安險保障嗎?","FAQNO":"493","DOCRURL":"","SATISFACTIONCOUNT":"6","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"9411","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"旅遊綜合險","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00042","BANKCATEGORYNUM":"","FAQANSWER":"信用額度：指如無其他特別約定時，係指發卡機構依持卡人之財務收入狀況、職業、職務或與金融機構往來紀錄等信用資料，核給持卡人累計使用信用卡所生帳款之最高限額。不論您持有幾張卡，皆共用一個信用額度（正、附卡消費金額合併計算），且帳單合一。","FAQTITLE":"什麼是信用額度？","FAQNO":"604","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"9288","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可依自己的財務狀況，每月自行決定信用卡當期繳款金額，您只須在當期繳款截止日前繳付最低應繳金額以上 (或等於最低應繳金額) 款項，剩餘未付款項就可以延後付款，並依年利率5%~15%(自2023/3/3生效)計算循環信用利息。同時持有本行兩張以上信用卡正卡之持卡人，其循環信用之使用及計算將歸戶合併處理。現行循環信用利息計算範例請見信用卡契約第十五條第六項。","FAQTITLE":"如何使用循環信用？","FAQNO":"472","DOCRURL":"","SATISFACTIONCOUNT":"13","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"8725","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"各項費用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00042","BANKCATEGORYNUM":"creditcard","FAQANSWER":"本行會自動於信用卡期限到期前一個月，以掛號郵寄方式寄上新卡給您，您毋需辦理任何手續，但本行保留自動續卡與否之權利。","FAQTITLE":"卡片如果到期了，要怎麼辦？","FAQNO":"143","DOCRURL":"","SATISFACTIONCOUNT":"13","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"8707","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"每一持卡人以登錄一部車輛為限，可前往本行配合廠商全鋒道路救援網站完成車輛登錄，如欲變更登錄車號請電洽(02)8772-1133，自受理登錄或變更申請日起，第三個工作日始提供變更後車輛申請免費服務，但已取消車籍之車輛，不得再重新申請登錄。","FAQTITLE":"想先登錄拖吊服務的車號，該怎麼做？","FAQNO":"171","DOCRURL":"","SATISFACTIONCOUNT":"17","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"7862","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"道路救援","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/cash/cash-card.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"儲值卡已停止銷售新卡。","FAQTITLE":"如何購買現金儲值卡(Gift卡)?","FAQNO":"455","DOCRURL":"","SATISFACTIONCOUNT":"41","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"7619","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"Gift Card","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/bonus/accumulation/enjoy.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"凡持本行得享有紅利點數累積優惠之信用卡一般消費，每消費滿新台幣30元，即可獲得紅利點數1點，詳本行「紅利享樂回饋計畫」說明。","FAQTITLE":"紅利點數如何累積?","FAQNO":"495","DOCRURL":"","SATISFACTIONCOUNT":"14","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"7514","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/payment.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行提供信用卡代繳中華電信各項費用，如市內／行動電話費、HINET等費用，代繳方式如下： \r\u003cBR\u003e1.語音繳納：撥打中華電信客服專線123或手機直撥800，依語音指示完成繳費，每筆代繳手續費NT10，電信費用及手續費用將列在信用卡的消費帳單中。 \r\u003cBR\u003e2.固定代扣：您可下載公共事業費代繳申請書辦理，申請信用卡固定扣繳，免收手續費，申請時間需45個工作天。\r\u003cBR\u003e3.大咖DACARD APP：繳費稅→電信費→中華電信→信用卡，即可繳款。","FAQTITLE":"如何使用卡片繳交中華電信費用?","FAQNO":"144","DOCRURL":"","SATISFACTIONCOUNT":"2","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"中","CLICKCOUNT":"7505","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/manage/cash-advance.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲使用預借現金，可參閱本行預借現金手續費說明。","FAQTITLE":"預借現金手續費怎麼計算？","FAQNO":"157","DOCRURL":"","SATISFACTIONCOUNT":"35","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"7503","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-pickup.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲預約機場接送服務，請於接送日五個工作日前(不含出國當日)；遇行政院人事行政總處公告之連續假期、春節期間須於七個工作日前(不含出國當日)致電24小時「機場接送服務預約專線」0800-825-588或透過本行永豐銀行網站連結完成網路預約。(工作日定義為非國定例假日且依人事行政總處公告非假日之週一至週五8:30AM~5:30PM)","FAQTITLE":"要如何預約機場接送？","FAQNO":"444","DOCRURL":"","SATISFACTIONCOUNT":"18","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"6997","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場接送","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您要取消電話行銷，建請您可來電本行信用卡24小時服務專線02-25287776，由人員為您辦理。","FAQTITLE":"我不想要接到行銷電話","FAQNO":"180","DOCRURL":"","SATISFACTIONCOUNT":"15","NEWUSERFAQTITLE":"","FAQCATEGORY":"其他","HOTFAQ":"高","CLICKCOUNT":"6737","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"其他問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00000","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"預借現金款項將同您一般消費款一併列示於信用卡帳單出帳，您只須於帳單繳款截止日前繳款即可。","FAQTITLE":"我使用信用卡預借現金何時需要還款？","FAQNO":"614","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"6621","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"繳納綜所稅完成後，持卡人亦可利用網路繳稅服務網頁授權紀錄查詢功能，查詢是否成功繳稅，或是撥打語音專線： 所在地區電話號碼八碼、七碼及金門地區請撥412-1366，電話號碼六碼地區請撥41-1366，外島地區(除金門外)及國內行動電話請撥02(04或07)412-1366，於撥通後輸入服務代碼「166#」→按「1：綜所稅結算申報自繳」再按「2：查詢信用卡繳稅狀態」即可查詢。","FAQTITLE":"請問使用信用卡繳納所得稅後如何知道是否授權成功?及查詢授權碼？","FAQNO":"533","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"6488","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/ATMPINChange","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"倘若您欲變更預借現金密碼，您可透過永豐銀行MMA金融交易網及永豐行動銀行APP，點選「信用卡」→「服務申請」→「預借現金密碼變更」登入網站會員後，輸入卡號、現有密碼及欲變更的密碼即可；您亦可撥打本行信用卡24小時服務專線02-25287776，「輸入身分證字號及生日」→「按612」→「輸入卡號」→「輸入原始4位數字預借現金密碼」→「輸入欲變更4位數字預借現金密碼」→「確認」即可。","FAQTITLE":"如何變更預借現金密碼？","FAQNO":"160","DOCRURL":"","SATISFACTIONCOUNT":"6","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"6316","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Reward/Redemption/Products/14","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"可以，關於紅利點數兌換刷卡金的方式及條件您可透過永豐銀行網站點選「紅利商品兌換→點數抵帳單100%」查詢。","FAQTITLE":"我的紅利點數可以兌換成現金回饋嗎?","FAQNO":"494","DOCRURL":"","SATISFACTIONCOUNT":"14","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"6080","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Application/EStatementChange","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可進入永豐銀行MMA金融交易網，登入網站會員即可查詢目前帳單收取方式。本行信用卡消費明細係以月結方式出帳，每月將您於本行所持有之各信用卡(含正、附卡)消費帳款彙總於同一份帳單中，依您所指定的方式寄送，以方便您對帳並可憑此繳款。","FAQTITLE":"請問信用卡帳單寄送方式？","FAQNO":"607","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"高","CLICKCOUNT":"6000","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"可以的，須請主卡人致電本行信用卡24小時服務專線辦理。","FAQTITLE":"請問是否可以指定附卡額度？","FAQNO":"605","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"5943","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Account/GiftCardTxInquiry","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可透過以下方式查詢您的永豐現金儲值卡可用餘額：\r\u003cBR\u003e1.簽帳單查詢：每筆交易簽帳單授權碼欄位之末五碼即為扣款後餘額(即時餘額僅供參考，實際餘額仍以本行系統紀錄為主)。\r\u003cBR\u003e2.ATM查詢：於ATM插入您的現金儲值卡，選擇「可用餘額查詢」，即可查詢。\r\u003cBR\u003e3.電話查詢：致電本行信用卡24小時服務專線，按快速鍵「899」即可查詢。\r\u003cBR\u003e4.上網查詢：登入永豐銀行MMA金融交易網→「信用卡」→「全部功能」→「帳單／查詢」→「Gift Card交易查詢」→「儲值金餘額查詢」，即可查詢。","FAQTITLE":"我要怎麼查詢現金儲值卡(Gift Card)還有多少餘額？","FAQNO":"458","DOCRURL":"","SATISFACTIONCOUNT":"6","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"5787","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"Gift Card","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您目前為接收信用卡行動帳單或電子帳單，欲變更為實體帳單，建請您本人撥冗致電本行信用卡24小時服務專線，由專人為您處理。","FAQTITLE":"請問如何恢復信用卡實體帳單？","FAQNO":"154","DOCRURL":"","SATISFACTIONCOUNT":"31","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"5775","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"帳單問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"在您的海外旅程或網路購物中，您可能會遇到動態貨幣轉換（DCC）的選項。這是一種方便的服務，但請您謹慎使用，以確保您的刷卡交易是最明智的選擇。\r\u003cBR\u003eDCC是一種允許您在國外旅程或網路購物中使用您的卡片(信用卡或簽帳金融卡)進行交易時，選擇以新臺幣計價的服務。\r\u003cBR\u003e\r\u003cBR\u003e注意事項：\r\u003cBR\u003e匯率差異：DCC提供商通常會提供自己的匯率，這可能不如國際組織或發卡銀行的匯率有利。\r\u003cBR\u003e隱藏費用：有些DCC服務可能會收取額外的費用，這可能會讓您的交易變得更昂貴。詳細了解這些費用是非常重要的。\r\u003cBR\u003e使用選擇：您不必使用DCC。如果您選擇不使用，您將以交易當地貨幣計價，然後由國際組織或發卡銀行的匯率處理。\r\u003cBR\u003e","FAQTITLE":"什麼是DCC動態貨幣轉換？","FAQNO":"1064","DOCRURL":"","SATISFACTIONCOUNT":"22","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"5759","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00056","BANKCATEGORYNUM":"creditcard","FAQANSWER":"掛失信用卡每張卡片會收取每卡200元掛失費用。","FAQTITLE":"請問卡片掛失是否會收費?","FAQNO":"483","DOCRURL":"","SATISFACTIONCOUNT":"13","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"5745","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"各項費用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/rescue.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"服務對象為本行「永豐銀行無限卡、世界卡及55688聯名卡」之正、附卡持卡人，且正、附卡持卡人合計一年最多3次免費道路救援服務﹝使用永豐財富 無限卡、美安悠遊無限卡不限次數使用﹞，同一天內以使用一次為限，免費拖吊﹝自故障地點起算50公里內免費﹞或急修服務僅能二者擇一使用一次，不得為急修之路段，概以拖吊處理；其他相關注意事項說明，建請您可參考永豐銀行網站道路救援服務。","FAQTITLE":"道路救援服務的免費次數？","FAQNO":"173","DOCRURL":"","SATISFACTIONCOUNT":"10","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"5585","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"道路救援","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"龍騰卡電子票卡效期一年，本行將於每年12月下旬開放申請續卡，惟需符合續卡資格。可透過永豐銀行官網所提供的申請連結進行申請作業。","FAQTITLE":"我的貴賓室卡過期了，請問要如何續發?","FAQNO":"448","DOCRURL":"","SATISFACTIONCOUNT":"16","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"5420","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場貴賓室","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"變更身分證字號需請您提供新的身份證正反面影本和戶籍謄本正本或影本。並註明聯絡電話及 「身分證字號變更」字樣之說明紙條，一併以掛號寄回，本行地址為： 100900 台北北門郵局第818號信箱 永豐銀行零售金融處卡務管理科收，或請您電洽本行信用卡24小時服務專線02-25287776，我們將提供您完整之服務。","FAQTITLE":"我的身分證字號有變更，請問要如何更改?","FAQNO":"179","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"資料變更","HOTFAQ":"低","CLICKCOUNT":"5355","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"資料變更","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00003","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/cash/cash-card.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"需請您備妥您的身分證（含第二證件）及欲記名之現金儲值卡，可至全國永豐銀行各分行臨櫃進行辦理。本記名申請將不收取任何費用，相關事宜請參閱本行網站說明。","FAQTITLE":"我想申請現金儲值卡(Gift Card)記名","FAQNO":"456","DOCRURL":"","SATISFACTIONCOUNT":"10","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"5218","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"Gift 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信用卡理賠服務中心，聯絡電話：0800-012-080洽詢。\r\u003cBR\u003e\r\u003cBR\u003e","FAQTITLE":"如何申請理賠?","FAQNO":"491","DOCRURL":"","SATISFACTIONCOUNT":"7","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"低","CLICKCOUNT":"5186","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"旅遊綜合險","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Reward/Redemption/Products/0","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可選擇註冊並登入為本行網路銀行網站會員後，查詢您目前所累積的紅利點數；並可按提供之商品兌換，即可選擇紅利商品並進行兌換作業。亦或您可利用本行語音系統兌換紅利商品，請您於接通語音後，直接撥按快速碼887，依照語音流程完成紅利商品兌換，歡迎您多加利用！","FAQTITLE":"如何兌換商品？","FAQNO":"128","DOCRURL":"","SATISFACTIONCOUNT":"28","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"5140","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"請於交易網頁的刷卡付款頁面中點選「取得簡訊OTP服務密碼」再依照程序操作即可。\r\u003cBR\u003e若持續未收到簡訊或手機號碼已變更，建請您本人撥冗致電本行信用卡/簽帳金融卡24小時服務專線，由專員為您處理。\r\u003cBR\u003e提醒您以3DS驗證流程進行身分驗證之OTP之重要性等同金融卡密碼，並應妥善保存不隨意提供第三人。\r\u003cBR\u003e","FAQTITLE":"請問如何取得信用卡/簽帳金融卡網路交易密碼?","FAQNO":"139","DOCRURL":"","SATISFACTIONCOUNT":"8","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"5107","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/Bank/smsservice/mma_dcenable.aspx","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲啟用「Display Card動態密碼」可透過永豐銀行任一分行，或透過永豐銀行MMA金融交易網及永豐行動銀行APP，於工具列點選 「申請/設定」→「啟用簡訊動態密碼」→「Display Card」，並輸入連續按壓兩組之動態密碼，即可順利啟用。","FAQTITLE":"我要如何啟用「Display Card動態密碼」？","FAQNO":"137","DOCRURL":"","SATISFACTIONCOUNT":"5","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"4946","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://mma.sinopac.com/SinoCard/Reward/AvailablePoints","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"紅利點數可使用效期為2年（不含點數累積當年度），即當年度所累積之點數尚未使用者，將可於次年度繼續累積計算，最長可延續使用期限至點數累積當年度 結束後兩個年度內，但不含國定假日。例如：於2022年帳單所累積之點數，最遲須於2024年12月31日前使用完畢，否則點數將自動失效；惟12月31 日為國定假日時，則提前至前一營業日，點數自動失效。您可透過永豐銀行MMA金融交易網及永豐行動銀行APP註冊並登入會員後，查詢您目前所累積的紅利點數以及今年即將到期的點數。","FAQTITLE":"紅利點數有限期限為何？","FAQNO":"129","DOCRURL":"","SATISFACTIONCOUNT":"12","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"4835","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/3d-secure.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本項功能係由Visa、MasterCard 及 JCB 國際組織所建構的網路購物安全機制，可藉購物時確認持卡人身分，提高網路交易的安全性，降低信用卡在網路上遭偽冒風險。故您若於提供驗證服務的網路商店交易時，系統將會自動要求輸入「交易動態密碼」及選擇「網頁識別碼」，經驗證無誤後，始完成該筆交易；3D網路交易驗證說明可參閱本行網站。\r\u003cBR\u003e\r\u003cBR\u003e提醒您! 以3DS驗證流程進行身分驗證之OTP之重要性等同金融卡密碼，並應妥善保存不隨意提供第三人，「交易動態密碼」及「網頁識別碼」是以簡訊傳送至手機或電子帳單地址，請確認您在本行所登錄手機號碼或資料為正確並仍為您所使用，「網頁識別碼」請於付款頁面中選擇與您收到通知中相符之識別碼。\r\u003cBR\u003e","FAQTITLE":"我在網站上購物，對方網站要求我輸入驗證密碼，這是什麼？","FAQNO":"140","DOCRURL":"","SATISFACTIONCOUNT":"8","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"4718","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-pickup.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您欲預約機場接送服務，請於接送日五個工作日前(不含出國當日)；遇行政院人事行政總處公告之連續假期、春節期間須於七個工作日前(不含出國當日)致電24小時「機場接送服務預約專線」0800-825-588或透過本行永豐銀行網站連結完成網路預約。(工作日定義為非國定例假日且依人事行政總處公告非假日之週一至週五8:30AM~5:30PM)","FAQTITLE":"使用機場接送服務要多久前預約？","FAQNO":"443","DOCRURL":"","SATISFACTIONCOUNT":"14","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"4650","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場接送","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/rescue.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"每一持卡人以登錄一部車輛為限，登錄車輛限領用小型牌照之小客車、廂型車及3.5噸以下之小貨車(如為持卡人本人或配偶名下車輛且持卡人無登錄紀錄，可於首次使用時出示永豐銀行信用卡、身分證及行照完成登錄後使用)，若為長期租賃車及公司車需事先登錄方能使用服務。另，營業車、競技車、改裝車(指底盤、保桿、側裙、排氣管等車輛零配件，距離地面高度低於15公分者)、租期一年內的短期租賃車及3.5噸以上之貨車，恕無法登錄。其他相關注意事項說明，建請您可參考本行永豐銀行網站道路救援服務。","FAQTITLE":"登錄車籍資料有什麼限制嗎？","FAQNO":"169","DOCRURL":"","SATISFACTIONCOUNT":"23","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"4595","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"道路救援","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/GCSDsp/DspDocDownload.aspx?item##creditcard","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"目前可申請代繳欣桃、大台北、中油、欣南、新竹瓦管處、欣彰、欣湖、欣欣、欣中、欣泰、裕苗、欣芝、新海、竹建(用戶標號請填繳費單上所載之ACH用戶號碼)、南鎮、欣林、欣雲、欣雄、欣嘉、欣隆、陽明山、欣高、欣屏、竹名、大台南共25家之瓦斯費，您可透過永豐銀行網站下載「公用事業費用約定書」列印資料填寫完成回傳即可，申請時間需45個工作天生效。","FAQTITLE":"可以用信用卡代繳瓦斯費嗎?","FAQNO":"504","DOCRURL":"","SATISFACTIONCOUNT":"5","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"4570","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00042","BANKCATEGORYNUM":"","FAQANSWER":"每家商店在成為信用卡特約商店時，即與收單銀行簽定約定書，其中明確規定特約商店不得無故拒絕持卡人簽帳消費，亦不得歧視持卡人以信用卡消費。如商店堅持加收手續費方能完成刷卡，則請要求商店提供註明加收刷卡手續費的簽帳單或收據，以便日後透過發卡銀行提出申訴。","FAQTITLE":"我在商店刷卡被要求要加收手續費？","FAQNO":"610","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"4373","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-vip.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"可以，惟實際可攜伴人數限制須依各貴賓室規定，攜帶同行貴賓使用，為自費使用，將於持卡人信用卡帳單收取每位每次NT$900費用。","FAQTITLE":"使用貴賓室可以攜伴嗎？","FAQNO":"603","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"4319","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場貴賓室","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您忘記預借現金密碼，請您致電本行信用卡24小時服務專線，由專人為您重新換發卡片及補發密碼函。","FAQTITLE":"預借現金密碼忘記了怎麼辦？","FAQNO":"611","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"4298","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/cash/cash-card.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本儲值卡要先儲值才能使用，僅能於永豐銀行簽約之實體特約機構使用，例如全家便利商店、全聯福利中心、[統一超商(7-11)-此機構提供服務至112年12月31日]等特約機構使用，持卡人於簽單上簽名(須與卡片背後簽名相同)並自行保管簽單以供日後查詢之用，卡片可重覆使用(每張儲值卡儲值餘額上限NT＄10,000；無記名儲值卡每日交易最高限額調整為新臺幣2,000元整。)。\r\u003cBR\u003e\r\u003cBR\u003e","FAQTITLE":"用儲值卡(Gift 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前匯入持卡人指定之本人金融機構帳戶；若逾營業日上午11：00後進行語音預借現金者，則於次一營業日下午 5：00前匯入持卡人指定之本人金融機構帳戶。前述營業日係指金融機構之營業日，且匯入之金融機構帳戶戶名須為持卡人本人；如匯入之金融機構帳戶戶名非持卡人本人者，本行得取消該筆預借現金交易。","FAQTITLE":"透過語音申請預借現金，款項多久會入到帳戶?","FAQNO":"508","DOCRURL":"","SATISFACTIONCOUNT":"6","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"3310","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/cash/cash-card.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可透過全台永豐銀行自動櫃員機(ATM)或網路ATM儲值、全台永豐銀行各分行臨櫃無摺存入儲值或ADM現金儲值，儲值方式可參閱本行網站說明。","FAQTITLE":"現金儲值卡(Gift Card)要怎麼儲值？","FAQNO":"457","DOCRURL":"","SATISFACTIONCOUNT":"4","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"3298","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"Gift 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台北北門郵局第818號信箱 永豐銀行零售金融處卡務管理科收。繳付永豐銀行最新公告的製發工本費，待收到補發之新卡後，請您致電本行信用卡24小時服務專線，按快速鍵「899」轉接專人辦理開卡。","FAQTITLE":"現金儲值卡(Gift Card)毀損了怎麼辦？","FAQNO":"460","DOCRURL":"","SATISFACTIONCOUNT":"2","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"2664","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"Gift Card","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"係指經政府許可登記，供一般民眾購票乘坐且為定期班次並行駛於固定航路線之商用客機、客用船舶或行駛於固定路線之水陸上公共交通工具，且包含加班之客機，客運船舶、陸上客運交通工具或包機、臨時班機在內，惟下列類型之運輸工具，非本保險契約所承保之公共運輸工具：\r\u003cBR\u003e1. 供遊覽之用而非經常性載運旅客之用者：如麗星郵輪/遊覽車/觀光景點專用之交通工具等。\r\u003cBR\u003e2. 限於特定或可得特定之團體或個人搭乘者：如總統包機、軍機等。\r\u003cBR\u003e3. 使用信用卡單獨支付費用搭乘之國內大眾捷運系統、公共汽車(包含市區公車及客運)及纜車。\r\u003cBR\u003e4. 營業用小客車及自用小客車。","FAQTITLE":"何謂公共交通運輸工具?","FAQNO":"487","DOCRURL":"","SATISFACTIONCOUNT":"5","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"2631","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"旅遊綜合險","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"依據保險法之規定，未滿15足歲被保險人之保險金額上限為新台幣二百萬元；且依財政部函示及保險法第一0七條規定有以下規範：\r\u003cBR\u003e以未滿十五足歲之未成年人為被保險人，其身故保險金之給付於被保險人滿十五足歲之日起發生效力；其殘廢保險金之給付以新台幣貳佰萬元按殘廢等級表所列之給付比例計算之。","FAQTITLE":"為什麼未滿15足歲小朋友無旅遊平安險保障?","FAQNO":"486","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"2597","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"旅遊綜合險","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00045","BANKCATEGORYNUM":"creditcard","FAQANSWER":"為確保繳款聯列印品質，建議請用雷射印表機以A4紙橫式列印，避免繳款失敗。","FAQTITLE":"如何列印電子帳單繳款聯？","FAQNO":"477","DOCRURL":"","SATISFACTIONCOUNT":"24","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"中","CLICKCOUNT":"2590","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"繳款","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/card-right/airport-parking.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"請至配合停車場以當次消費之有效實體信用卡或簽帳金融卡進/出場停車場過卡確認並使用完畢；使用期限為2025/1/1-2025/12/31，逾期失效不得再使用。\r\u003cBR\u003e\r\u003cBR\u003e其他相關注意事項說明，建請您可參考本行永豐銀行網站機場外圍停車服務。","FAQTITLE":"如何使用機場停車權益？","FAQNO":"1072","DOCRURL":"","SATISFACTIONCOUNT":"3","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"低","CLICKCOUNT":"2446","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"機場停車","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"您可隨時致電本行信用卡24小時服務專線02-25287776，即可立刻為您線上關閉預借現金功能。","FAQTITLE":"如果我不想使用預借現金服務，如何辦理？","FAQNO":"163","DOCRURL":"","SATISFACTIONCOUNT":"2","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"2438","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00061","BANKCATEGORYNUM":"creditcard","FAQANSWER":"只要您本人持有永豐銀行信用卡正卡，即可使用信用卡申購「永豐銀行」所代理國內外定時定額基金，但單筆投資或以外幣投資境外基金不適用。","FAQTITLE":"永豐信用卡可以代扣基金嗎?","FAQNO":"511","DOCRURL":"","SATISFACTIONCOUNT":"8","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"2406","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"若您於掛失時一併補卡，停車費代扣繳會自動為您移轉至新卡號，毋須重新設定，但若後續才致電本行申請補卡，則需重新約定代扣。","FAQTITLE":"信用卡申請掛失補卡，原卡代繳的車號需要另申請移轉至新卡號嗎?","FAQNO":"503","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"2255","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"1.透過網際網路 ：\r\u003cBR\u003eStep 1 連結網路繳稅服務網頁\r\u003cBR\u003eStep 2 點選網頁右上方【線上繳稅】-\u003e再點選【綜所稅】\r\u003cBR\u003eStep 3 輸入繳款資訊 ，操作完畢後，持卡人亦可利用網路繳稅服務網頁授權紀錄查詢功能，查詢是否成功繳稅。\r\u003cBR\u003e2.電話語音：\r\u003cBR\u003eStep 1 撥打電話412-1366 (電話6碼地區請撥41-1366)\r\u003cBR\u003eStep 2 輸入服務代碼 :【繳稅服務166#，再按1】\r\u003cBR\u003eStep 3 依語音指示輸入相關資訊 (授權成功語音回報「授權號碼」)","FAQTITLE":"請問如何取得繳納所得稅授權碼?","FAQNO":"531","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"2233","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"可以的，網路刷卡建請您留意，為避免虛設商店或不肖業者騙取您的信用卡資料，建議您與大型知名購物網站往來為主。請您儘量避免在網路上傳輸信用卡卡號及有效日期等資料，如果您只是想試用或還沒決定購買，切勿留下相關資料，以免日後困擾。在網路購物，若該網站要求您輸入信用卡卡號及有效年月時，請您務必仔細閱讀網站上所提供的契約，考量各種潛在的風險，並記下該網站之網址，以做為日後聯繫之用。許多網路服務均屬於定期性交易，一旦輸入卡號成為會員後，若持卡人未做取消則商店將會定期向銀行請款。故請您在登錄資料前務必詳閱相關條款，並依照網站相關規定進行完成取消動作。","FAQTITLE":"信用卡可以在網路購物嗎？","FAQNO":"608","DOCRURL":"","SATISFACTIONCOUNT":"","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"高","CLICKCOUNT":"2187","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"申請調閱國內消費簽單每筆手續費為NT$50，國外消費簽單每筆手續費NT$100。若調單結果確實非本人交易則不收取費用。","FAQTITLE":"請問調閱簽單需要收費嗎?","FAQNO":"484","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳單繳款","HOTFAQ":"低","CLICKCOUNT":"2172","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"各項費用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00005","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/bonus/product/convenientexchange.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"目前本行與超商配合紅利點數兌換超商商品，兌換資訊可參考本行網站說明。","FAQTITLE":"我的紅利點數可以到超商兌換商品嗎？","FAQNO":"433","DOCRURL":"","SATISFACTIONCOUNT":"15","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"高","CLICKCOUNT":"1952","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"請您本人攜帶身份證到簡訊通知之郵局，提供簡訊中的掛號號碼即可領卡。","FAQTITLE":"我沒有拿到郵局的招領單據，可以去郵局領卡片嗎?","FAQNO":"920","DOCRURL":"","SATISFACTIONCOUNT":"5","NEWUSERFAQTITLE":"","FAQCATEGORY":"其他","HOTFAQ":"高","CLICKCOUNT":"1715","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"其他問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00000","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00061","BANKCATEGORYNUM":"creditcard","FAQANSWER":"稅款是以繳稅金額整筆授權佔額，若該筆稅款採用分期付款方式，未清償之餘額亦將佔用持卡人信用卡帳戶的信用額度。","FAQTITLE":"我的稅款辦理分期，稅款金額是整筆佔用額度還是分期佔用？","FAQNO":"532","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"高","CLICKCOUNT":"1636","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"代繳服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00050","BANKCATEGORYNUM":"creditcard","FAQANSWER":"若於營業日上午11：00前進行網路預借現金者，該筆款項將於當日下午5：00 前匯入持卡人指定之本人金融機構帳戶；若逾營業日上午11：00後進行網路預借現金者，則於次一營業日下午 5：00前匯入持卡人指定之本人金融機構帳戶。前述營業日係指金融機構之營業日，且匯入之金融機構帳戶戶名須為持卡人本人；如匯入之金融機構帳戶戶名非持卡人本人者，本行得取消該筆預借現金交易。","FAQTITLE":"透過網路申請預借現金多久可收到申請金額?","FAQNO":"509","DOCRURL":"","SATISFACTIONCOUNT":"4","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"中","CLICKCOUNT":"1598","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"已記名儲值卡卡友請您立即致電本行信用卡24小時服務專線，按快速鍵「899」轉接專人辦理掛失停用。(未記名儲值卡卡片內儲值金等同現金遺失，由持卡人自行負責，無法申請掛失或要求退還儲值金。)","FAQTITLE":"現金儲值卡(Gift Card)遺失了怎麼辦？","FAQNO":"459","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"1580","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"Gift 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Play免費下載並安裝Adobe Reader\r\u003cBR\u003e2.iOS系統行動裝置：請至App Store免費下載並安裝Adobe 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8或iPhone 8 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(限市話)，由專人協助您查詢及處理。","FAQTITLE":"我的帳單上出現疑似非本人的交易，應該如何處理?","FAQNO":"1329","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"672","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"常見問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"1.\t本行信用卡/簽帳金融卡持卡人發生上述爭議時，應先與商店聯繫處理或試圖解決爭議。\r\u003cBR\u003e2.\t倘若無法解決時，持卡人應在各信用卡/簽帳金融卡國際組織所訂定之爭議帳款處理及本行可發動申請爭議帳款之時效條件下，備妥相關必要文件提交申請，以利本行向收單行提出申請信用卡爭議帳款。\r\u003cBR\u003e3.\t爭議帳款處理需一定時程之處理時間，倘若商店所屬收單銀行表示接受，申請爭議帳款成功之交易款項將返還至持卡人信用卡帳上/簽帳金融卡帳戶；若遭收單銀行拒絕，則本行將通知持卡人。如有需要，依持卡人指示並評估提交相對應補充文件後，依照本行指定時間內，再續行提出預仲裁（註：依JCB信用卡爭議處理規則，收單銀行有權直接發動國際仲裁，亦即持卡人得授權本行逕向JCB提請國際仲裁，無須再經預仲裁）。\r\u003cBR\u003e4.\t倘若爭議帳款仍遭收單銀行駁回請求，詢問持卡人意願後，提交予信用卡/簽帳金融卡國際組織仲裁，仲裁結果為爭議帳款之最終裁判。如仲裁結果有利於持卡人，則持卡人無須負擔任何仲裁處理費用；如仲裁結果不利於持卡人，則須承擔並支付信用卡/簽帳金融卡國際組織仲裁費用，每筆交易為美金500元。","FAQTITLE":"信用卡/簽帳金融卡爭議帳款處理流程?","FAQNO":"1332","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"666","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"申請服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00050","BANKCATEGORYNUM":"creditcard","FAQANSWER":"預借現金額度的提供或調整，本行會依照您於本行往來付款之情形及信用狀況，每個月進行綜合評估後調整。","FAQTITLE":"如何調高我的預借現金額度呢？","FAQNO":"164","DOCRURL":"","SATISFACTIONCOUNT":"3","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"657","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"https://bank.sinopac.com/sinopacBT/personal/credit-card/bonus/product/store.html","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"於本行合作商店刷永豐卡，可依現場公告使用紅利點數折抵消費，您可透過本行永豐銀行網站查詢目前配合之紅利折抵商店。","FAQTITLE":"有哪些商店可使用紅利點數折抵消費?","FAQNO":"156","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"636","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00001","BANKCATEGORYNUM":"","FAQANSWER":"一般而言，商店的退貨作業處理約需5~7工作天，若有特殊約定者(例如：有紙本憑據)除外。但已等待超過1個月或超過約定退款日，仍未收到退款，請將退刷簽單等相關文件備妥後，來電本行客服中心提出爭議款申請。","FAQTITLE":"刷卡後，已向商店辦理退貨，也取得退刷簽單/紀錄，但錢一直沒退到信用卡帳上，該怎麼辦?","FAQNO":"1328","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"557","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"常見問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00047","BANKCATEGORYNUM":"creditcard","FAQANSWER":"申請兌換紅利商品所需要的作業時間，約為10-20個工作天，因不同商品由不同廠商寄送，將會於不同時間到貨。","FAQTITLE":"多久可以收到所兌換的商品？","FAQNO":"127","DOCRURL":"","SATISFACTIONCOUNT":"2","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"低","CLICKCOUNT":"540","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00047","BANKCATEGORYNUM":"creditcard","FAQANSWER":"如您兌換之紅利商品為手機簡訊兌換券商品，將於兌換成功後隔日~7個工作日內發送「手機簡訊兌換券」至您於本行登記的手機號碼。","FAQTITLE":"我兌換的紅利商品是手機簡訊兌換券，請問兌換後多久會收到簡訊?","FAQNO":"496","DOCRURL":"","SATISFACTIONCOUNT":"4","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"499","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00050","BANKCATEGORYNUM":"creditcard","FAQANSWER":"一經申請後，即無法再撤回申請或變更期數。","FAQTITLE":"請問申請易通財之後可否取消？","FAQNO":"167","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"智慧理財","HOTFAQ":"低","CLICKCOUNT":"482","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"預借現金","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00004","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"為解決視障者不易辨識金融卡、信用卡的困擾，永豐銀行推出全台首張視障點字金融信用卡服務，製卡時於卡面直接打印品牌點字名稱，使卡片具備永久識別性，讓視障者一觸摸，即可清楚辨識品牌名稱，取卡使用時更直覺、便利。除推出視障點字金融信用卡服務外，永豐銀行全方位精進金融友善措施，包括提供閱讀及簽名專用輔具，提升低視能或高齡客戶臨櫃閱讀及簽名時的便利性，此外，行動櫃員iPad亦提供視訊手語翻譯服務，詳情請洽永豐銀行各營業單位。","FAQTITLE":"什麼是點字Combo卡或點字金融信用卡?","FAQNO":"1063","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡片問題","HOTFAQ":"低","CLICKCOUNT":"480","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"信用卡使用","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00002","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"本行會在卡片到期前寄發新卡，建議您檢視手邊永豐卡是否有即將到期之卡片。","FAQTITLE":"為何我會收到卡片招領通知簡訊，我最近並沒有新申辦永豐卡?","FAQNO":"919","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"其他","HOTFAQ":"高","CLICKCOUNT":"407","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"其他問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00000","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00001","BANKCATEGORYNUM":"","FAQANSWER":"1.\t當您在設立於非本國商店刷卡時，不論是現場或網路消費，商店請款的幣別可以為消費當地貨幣或持卡人所屬國家的貨幣進行結帳。\r\u003cBR\u003e2.\t若消費地屬國外，但請款幣別為新臺幣，則此種交易稱為DCC(Dynamic Currency Conversion)動態貨幣匯率。也就是說，商店在交易的當下即以外幣固定匯率(通常高於市場匯率)進行結帳，故您的刷卡簽單上會揭露此訊息。若商店並未取得您的同意而進行DCC轉換，請您提供刷卡簽單，來電本行客服中心提出爭議款申請。","FAQTITLE":"我在國外刷卡但在帳單上是以新台幣請款，沒有外幣金額，該怎麼辦?","FAQNO":"1326","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"404","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"常見問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00047","BANKCATEGORYNUM":"creditcard","FAQANSWER":"如您消費時使用紅利折抵消費，若該筆交易刷退，本行將於收到商店退款資料後，為您加回紅利點數。","FAQTITLE":"我有在網路消費使用紅利點數折抵，但是商品已經刷退了，紅利點數會歸還嗎?","FAQNO":"497","DOCRURL":"","SATISFACTIONCOUNT":"3","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"381","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"紅利兌換","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00001","BANKCATEGORYNUM":"","FAQANSWER":"1.\t爭議款處理時間，會因每一信用卡發卡組織的規定與您的案件狀況而有所不同。一般來說，大多能夠在您提出爭議款申請後的45~60日曆日內完成。\r\u003cBR\u003e2.\t若案件較複雜或文件數量較多或商店倒閉案件，處理時間可能延長至90~120日曆日。\r\u003cBR\u003e3.\t若案件需要進入仲裁程序，時間可能會延長至6~12個月 (另外若仲裁結果判決屬持卡人責任，顧客需承擔爭議款項及支付仲裁費用US$500) 。","FAQTITLE":"信用卡爭議款處理要多久?","FAQNO":"1331","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"378","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"常見問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00001","BANKCATEGORYNUM":"","FAQANSWER":"1.\t請先確認是否已超過應收貨日，若未超過收貨日時，請與商店聯繫或等待發貨，若已超期限仍未收到商品請見第2點。\r\u003cBR\u003e2.\t請先聯繫商店(賣家)確認商品的出貨情況，並留下聯繫紀錄證明嘗試解決爭議。\r\u003cBR\u003e3.\t請提供詳細訂單資訊以及聯繫紀錄等相關文件，來電本行客服中心提出爭議款申請。","FAQTITLE":"在網路上刷卡買東西，但沒有收到商品，該怎麼辦?","FAQNO":"1335","DOCRURL":"","SATISFACTIONCOUNT":"2","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"348","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"常見問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"因簡訊通知作業有時間差，若您已領取則無須理會。","FAQTITLE":"我已經收到卡片了，為何還會收到招領通知的簡訊呢?","FAQNO":"921","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"其他","HOTFAQ":"高","CLICKCOUNT":"301","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"其他問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00000","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"持卡人以信用卡/簽帳金融卡於實體店面或郵購或網路購買商品或服務後，發生下述狀況，已與商店聯繫試圖解決爭議，但仍未獲解決時，持卡人得向本行申請爭議帳款處理；惟該筆爭議帳款如於信用卡/簽帳金融卡帳單(交易明細單)顯示「○○○(電支名稱)TWQR跨機構購物交易」，應先向電子支付機構要求提出相關爭議帳款處理。\r\u003cBR\u003e1.\t持卡人未參與或未授權的交易。\r\u003cBR\u003e*經持卡人自行輸入”3D 網路交易驗證碼”之交易，非國際組織認定可提出爭議款扣款之類型。\r\u003cBR\u003e2.\t請款金額/幣別不符。\r\u003cBR\u003e3.\t商店重覆請款。\r\u003cBR\u003e4.\t未取得商品或服務。\r\u003cBR\u003e5.\t消費已用其他方式付清(改以現金或改刷其他張信用卡)，帳單上仍有請款紀錄。\r\u003cBR\u003e6.\t依買賣雙方約定，買方符合退貨條件且已辦理退貨，但未收到商店退款。\r\u003cBR\u003e7.\t持卡人已向商店提出終止定期請款，但帳單上仍有請款紀錄。\r\u003cBR\u003e8.\t符合各信用卡/簽帳金融卡國際組織作業規定之特殊情形，收到商品時發現損毀或與原商品描述不符之情況。","FAQTITLE":"哪些情況可以申請信用卡/簽帳金融卡爭議帳款處理？","FAQNO":"1325","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"211","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"申請服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00048","BANKCATEGORYNUM":"creditcard","FAQANSWER":"每一持卡人以登錄一部車輛為限，如欲變更登錄車號請電洽(02)8772-1133，自受理登錄或變更申請日起，第三個工作日始提供變更後車輛申請免費服務，但已取消車籍之車輛，不得再重新申請登錄。","FAQTITLE":"如何變更車號？","FAQNO":"172","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"卡友權益","HOTFAQ":"中","CLICKCOUNT":"191","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"道路救援","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00001","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"1.\t經持卡人本人參與、同意或授權商店之交易，並經商店依信用卡/簽帳金融卡國際組織標準交易授權程序取得授權碼後，即表示此筆交易具請款效力，此時持卡人或本行皆無法任意止付或取消交易。\r\u003cBR\u003e2.\t信用卡/簽帳金融卡為支付工具之一，等同於現金與支票，持卡人應妥善使用並保管信用卡/簽帳金融卡，不得允許第三人使用或取得信用卡/簽帳金融卡相關資訊完成交易。\r\u003cBR\u003e3.\t非所有信用卡/簽帳金融卡交易均可申請爭議處理及退款，例如：公用事業費用代扣繳、繳費稅相關平台、退稅、補稅、聯合信用卡處理中心小額支付平台商店或TWQR跨機構購物等交易，均無法透過提出爭議方式辦理退款。\r\u003cBR\u003e4.\t信用卡/簽帳金融卡爭議帳款處理機制係由各信用卡/簽帳金融卡國際組織所訂定，須受各信用卡/簽帳金融卡國際組織所制定的規則及條件辦理。\r\u003cBR\u003e5.\t本行不涉入持卡人與商店間之消費或買賣等實體法律關係之約定與內容，且不負保證責任，無法止付任何已經授權之交易請款，亦無法代替持卡人辦理協商或直接要求商店退貨。","FAQTITLE":"申請信用卡/簽帳金融卡爭議帳款注意事項?","FAQNO":"1334","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"187","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"申請服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00000","BANKCATEGORYNUM":"","FAQANSWER":"1.\t持卡人與商店間之聯繫紀錄，例如：往來Email、商店LINE官方帳號之對話截圖等。\r\u003cBR\u003e2.\t訂單、提貨單、交易合約、交易條款。\r\u003cBR\u003e3.\t商店同意取消交易或退款之憑證。\r\u003cBR\u003e4.\t定期性交易之已取消軟體或服務訂閱證明（合約須載明已於自動續約期限前取消交易）。\r\u003cBR\u003e5.\t遞延性商品之剩餘價值證明，如健身房、補習班、美容院等之上課證、剩餘課程文件、合約。\r\u003cBR\u003e6.\t鑑定報告文件(來自於智慧產權擁有者或授權的代表、司法單位鑑定、第三方公正之專家)。\r\u003cBR\u003e7.\t商品寄送/退貨之追蹤編號或證明商品寄送歷程之紀錄。","FAQTITLE":"申請信用卡/簽帳金融卡爭議帳款處理，需要提供哪些佐證文件資料?","FAQNO":"1333","DOCRURL":"","SATISFACTIONCOUNT":"1","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"180","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"申請服務","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00001","BANKCATEGORYNUM":"","FAQANSWER":"此情況發生原因常見如下：\r\u003cBR\u003e1.\t刷卡機設備或商店人員操作的問題：請仔細回想當日消費狀況，若確實發生有未出紙或被店員告知刷卡失敗重刷等情況，可來電本行客服中心申請爭議款調查。\r\u003cBR\u003e2.\t當在網路消費時，網頁或連線有問題：請先返回該網路商店，提取您的消費紀錄或訂單，確認是否有重覆訂單(兩筆)的情況。\r\u003cBR\u003e3.\t若的確有兩筆訂單，請您向商店客服中心要求將重覆訂單取消或退貨；若僅有一筆訂單也只收到一次貨品，請備妥訂單紀錄，來電本行客服中心提出爭議款申請。","FAQTITLE":"我在商店只刷一筆，但收到的帳單上卻有兩筆消費紀錄，應如何處理?","FAQNO":"1327","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"34","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"常見問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""},{"MOREURL":"","FAQSUBCATEGORYNUM":"00001","BANKCATEGORYNUM":"","FAQANSWER":"1.\t請先與商店聯繫並告知商品問題，若商店願意解決爭議，請務必留下紀錄，待商品處理完成為止。\r\u003cBR\u003e2.\t若商店不願處理或協調不成，請向商店申請退貨，並保留聯繫紀錄，持卡人必須嘗試將商品寄回，若商店不願提供寄回地址，或不願處理退貨時，請提供詳細訂單資訊，並說明商品損壞狀況，或者將在網路商品頁面上所看到的不相符狀況，連同往來的聯繫紀錄等相關文件，來電本行客服中心提出爭議帳款申請。","FAQTITLE":"我在網路上買東西，但收到的是壞掉的/無法使用/數量/尺寸/規格/顏色(或任何與我看到網路上描述或陳述不同)，該怎麼辦?","FAQNO":"1330","DOCRURL":"","SATISFACTIONCOUNT":"0","NEWUSERFAQTITLE":"","FAQCATEGORY":"帳款疑義處理","HOTFAQ":"低","CLICKCOUNT":"25","BANKCATEGORY":"信用卡","FAQSUBCATEGORY":"常見問題","ISVISIBLE":"1","SERVICEURL":"","FAQCATEGORYNUM":"00006","NEWUSERFAQ":""}]