This is great for those who say they got one, but…
I hate being contradictory, but I think this is a matter of who says what and who you talk to.
I have given up. I have been told by 4 banks (Cathay, E Sun, Mega, and Shin Kong) that it is illegal for foreigners to be issued credit cards all the way to my wife needs to sponsor, and even then the limit will only be 10k. They do not even wait for paperwork, or employment or tax papers. This is what they say when I ask. The most surprising thing was that at Costco, I managed to get an app handed to me, only to be chased down and have it pulled from my hands with a stern “No. Not for foreigners!” told to me. Eventually, after whining to Costco, Cathay said if I submitted years worth of tax, employment, and credit info from both the US and Taiwan, they would then consider it. Shin Kong is where her family does a ton of business with. Even they flat-out said No. Remember, this is BEFORE an application is even filled out. At this point, all I have done is ask.
I tried getting a phone in my name, but I was told that as a foreigner, I would be charged double. This was from Chunghwa. FarEastTone told me something similar. I couldn’t even get my scooter in my name. With or without an APRC makes no difference.
Its all about independence. While I am married, I try to do things on my own as much as possible so I do not have to drag her around everywhere and for her to be there for anything I want to do.