Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Key point: JCIC does not publish exact model weights, so this site does not offer a fake calculator claiming to predict your official score.
Category 1: payment behavior
This includes repayment performance on cards, loans, checks, and financing leases, such as severity, frequency, and recency of late payments.
Category 2: debt
Inputs include total debt, card utilization, number of lending institutions, revolving credit or cash-advance use, collateral type, and balance trends.
Category 3: other credit information
This includes new-credit inquiries, credit-history length, and guarantor-related information.
Exact weights are not public
JCIC does not publish exact factor weights because they are core elements of the scoring model. Foreign percentage rules should not be assumed to apply to Taiwan.
Primary / official sources
Loan, card, and pricing decisions remain subject to each financial institution's underwriting policy; the JCIC score is one reference only.