金管會:Apple Card此卡非彼卡「非我所管 - 信用卡
By Anonymous
at 2019-03-26T11:25
at 2019-03-26T11:25
Table of Contents
金管會:Apple Card此卡非彼卡 「非我所管」
蘋果跨足金融業?蘋果春季發表會中,預計於2019年夏季正式推出自家的實體信用卡
Apple Card,據媒體報導,蘋果的信用卡,可於實體通路及虛擬通路消費,無卡號、無
CVV驗證碼、無到期日、免簽名、免年費、免跨國手續費,且不用繳延遲付款罰金。
就信用卡優惠來看,綁定Apple Pay刷卡2%回饋無上限,在蘋果Apple Store消費有3%回饋
,使用實體卡則是1%回饋。換句話說,辦了Apple Card,買目前最貴的iPhone XS Max
512GB,可以省下1,587元。買iMac之類單價更高的商品,可以省更多。
網友熱議,此卡沒有卡號,能夠在台灣實體商店及網路商店消費嗎?且台灣金管會會開放
Apple Card嗎?
針對這兩大疑問,金管會官員指出,根據相關規定,發信用卡必須成為信用卡業務機構,
行動載具綁信用卡,也屬金融特許範圍。沒有卡號的信用卡,也不能在台灣商店消費。
但是,金管會官員認為,按媒體描述,蘋果發行的Apple Card,似不屬於信用卡性質,比
較像是針對自己集團旗下的服務商品,對自己的客戶進行信用消費借款,若果真如此,則
屬於「民間借貸」行為。這有如民眾買汽車,向汽車公司旗下的租賃公司進行車貸一樣,
「民間借貸」行為,則非金管會規管範圍。
來源:
2019-03-26 10:57經濟日報 記者李娟萍╱即時報導
https://money.udn.com/money/story/5613/3719017
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