MK, get credit is not the same as establish credit. or is that what you meant?
In the US no one can just walk in and borrow money. Same in the UK, Aus, NZ, or Germany.
But in all those countries you can, for instance, start out with some secured credit (something guaranteed by another person, or by a deposit) such as a credit card or mobile phone but have it recorded as being yours. In time your credit history reflects the fact that you have a history of making your payments and be considered for genuine credit in your own name.
In Germany I got a mobile phone account secured against my UK credit card. Once I had established credit-worthiness I got a credit card in Germany. I had no problem getting a phone line.
In Oz I got a mobile phone account without any security at all.
In NZ I got a credit card with a very small limit by having my salary paid directly to my bank account, and authorizing a direct debit from my account to make my credit card payments. Later they increased my limits, because I had a history. I still have those cards, and they’re still in good order.
In the USA I got a debit card on my account, with a nominal $100 overdraft limit. I needed a guarantor for my mobile phone account, but after six months they allowed me to take over sole liability for it. Nobody made any difficulties about giving me a home phone line.
In every country people are cautious about lending money. But Taiwan is the only one where they practise discrimination because of your passport.
My bank has just refused me a DEBIT card because there’s no fucking way I’m going to ask anyone to guarantee the account. I’m not looklng to borrow money, I’m asking for access to my own money. I have a post-paid mobile phone account which I have maintained in good order for two years, and go that by having a guarantor. I have a credit card from another TW bank, which I had to fight for but got eventually. But some people still consider me to be a bad risk based on nothing more than their pre-conceived stupid ideas about foreigners. They haven’t considered my circumstances or history at all and that is what pisses me off. They just say foreigner=bad and want a guarantor for an account with no borrowing facilities.
And if a group of us got together to campaign for change we could be deported! :fume: :fume:
Can I call someone to complain? Not without paying the phone company an extra NT$2000 more than the locals do in order to get my phone connected. What kind of bullshit is that? Someone posted recently here that they had offered to bar all outgoing calls on their phone, and pay the value of a 12-month contract for ADSL up front. All they wanted was to get online and there was no possible risk to the phone company. The response was that he still had to pay the extra NT$2000. Where’s the sense in that?
Here’s a quote from the letter I just sent to the head office of ABN Amro:
[quote]I am a bad risk, just because I have a
British passport. Presumably if I was to apply for Taiwanese citizenship I would
then be considered worthy of doing business with you? Taiwan is not recognised
as a country by Europe or The Netherlands. Taiwan is a small island prone to
devastating earthquakes and typhoons. Taiwan is under continual threat of
invasion by the world’s largest standing army and there are some 800 ballistic
missiles targeted here. This non-existent country could disappear before you
read this email, but* I *am a bad risk because I have a UK passport? Could you
please explain why this is so?
And even if I were a bad credit risk, what difference would that make? I am not
asking to borrow money, I am asking for an account and a card that allows me to
withdraw MY money from that account. Could you please explain the logic behind
this requirement that I ask a local person to guarantee my account? This is
absurd, and unacceptable.
If I was in a civilised country, and ABN made this kind of ridiculous demand, I
would take my business elsewhere. But I’m in a backward, racist little piece of
nowhere and this kind of idiocy is standard here. I cannot simply take my
business to your nearest competitor, I have to insist that you treat me fairly