I’m in the middle of trying to apply for a credit card with Huanan bank, as advertised on their website for gold card holders, and it isn’t going well lol.
I’ve been in here for over an hour now, at one of their purported bilingual branches. Apparently that means taking me over to the one guy who speaks decent English (the wealth management guy), who’s actually pretty alright but hadn’t seen the web page before and didn’t know anything about the scheme. He asked me several times how I’d heard about it and needed me to provide the link and show him the application form, and he also wanted to hear about the four banks claiming to provide services to gold card holders (@fifieldt).
He told me that headquarters said I’d need a guarantor because I’m a foreigner. I responded that I’m not providing one, that it’s against article 62 of the Immigration Act and article 7 of the Financial Consumer Protection Act (thanks @Mataiou!), and will be complaining to the FSC if they insist on it, so him and his colleague have spent the last 45 minutes calling people about that. 
Apparently I’m the first gold card holder to apply for a credit card under this scheme at this branch, and this is the first time he’s heard that foreigners can get a credit card without a guarantor.
It’s 4:10 p.m., and we haven’t even gotten into the disagreement that’ll happen when they try to get me to misdeclare my tax residency yet (also need to open a regular bank account to get the credit card, according to the application form). 