# Credit Card Success Stories - Share Your Timeline & Application Details **URL:** \ **Category:** Money\ **Tags:** creditcard\ **Created:** [May 12, 2022, 7:25am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705 "2022-05-12T07:25:39Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![meishijia](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/meishijia/32/178949_2.png) [@meishijia](https://tw.forumosa.com/u/meishijia)\ **Post date:** [May 12, 2022, 7:25am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/1 "2022-05-12T07:25:39Z")
We all know it’s hard to get a credit card as a foreigner, not just because of banks not trusting us, but because the requirements are all over the place, and vary wildly branch to branch. To better help everyone understand the requirements and timeline for different credit cards, I made this thread so we can share which banks have accepted us, and what info we supplied. I’ll go first: * * * - **Company:** American Express - **Card applied for:** [美國運通信用金卡](https://www.americanexpress.com/zh-tw/credit-cards/grcc-gold/?linknav=tw-amex-cardshop-allcards-text-GrccGold) - **Credit score/history before applying:** Zero credit history - **Date of application:** May 5 2022 - **Date of follow up call:** May 10 2022 - **Date of credit report check:** May 10 2022 - **Date of approval:** May 11 2022 - **Date of arrival:** May 12 2022 - **Time from application to card recieved:** 1 week - **Guarantor required?** No - **Secured deposit required?** No - **Apply where?** Online - **Credit limit given:** Around 1 month salary **Supporting documents provided:** - Scan of ARC (front and back) - Scan of passport - Scan of tax statement showing 2021 earnings - Three months of payslips (non stamped) - Scan of bank book showing three month salary payments - UK brokerage statement showing investment savings * * * - Please use the above template/formatting, [click here](https://www.heypasteit.com/clip/0IYICG) to copy it. - **This thread is for success stories only** , for any discussions or questions [click here](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325). - If you want to post semi-anonymously, you can PM me your details. - Feel free to only include the details you are comfortable sharing, and/or remember. ---
**Author:** ![marasan](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/marasan/32/181721_2.png) [@marasan](https://tw.forumosa.com/u/marasan)\ **Post date:** [May 12, 2022, 7:30am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/2 "2022-05-12T07:30:23Z")
- Years ago. - Costco Visa card. - Credit limit is something crazy like 200,000 or 300,000. I - I use less than 10,000 every month so I don’t even know for sure. - The documents I needed were whatever they ask for at Costco. - Very quick and painless. - Sorry about not using the template. This was around 8 years ago and I honestly don’t remember any more details. - I hope my bullet points helped your OCD meishijia. - Kind of weird if you ask me. - Glad we’ve got one more day until the weekend. ---
**Author:** ![justintaiwan](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/j/7ea924/32.png) [@justintaiwan](https://tw.forumosa.com/u/justintaiwan)\ **Post date:** [May 12, 2022, 7:58am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/3 "2022-05-12T07:58:06Z")
Company: American Express Card applied for: Amex Bronze card Credit score/history before applying: Zero credit history Date of application: April 2021 Date of follow up call: forgotten Date of credit report check: unsure Date of approval: April 2021 Date of arrival: shortly after approval Guarantor required? No Secured deposit required? No Apply where? Online Credit limit given: $60,000NTD 13.99% interest Supporting documents: ARC Passport Salary summary from Taiwanese employer Savings in Taiwanese bank account Superannuation statement from Australian super fund. Company: Cathay United Card applied for: Costco Royal Seal (blue) Credit score: 710/800 Date of application: 8 May 2022 Date of follow up call: 10 May 2022 Date of credit report check: unsure Date of approval: 10 May 2022 Date of arrival: 12 May 2022 Guarantor required? No Secured deposit required? No Apply where? Costco, Hsinchu Credit limit given: $30,000 NTD 15% interest Supporting documents: ARC Passport picture (Already had a Cathay account history, i believe this was taken into account) ---
**Author:** ![frank\_hnd](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/frank_hnd/32/125285_2.png) [@frank\_hnd](https://tw.forumosa.com/u/frank_hnd)\ **Post date:** [May 12, 2022, 8:53am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/4 "2022-05-12T08:53:07Z")
I posted about it before: > [@Credit Cards for Foreigners - General Discussion](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/11): > > I will try to make a timeline best I can, notice I never needed a cosigner or anything like that: Fubon Simply Cash - 50,000 [image] I was making about 45k a month, this was my first credit card in Taiwan. Cancelled it after I switched to the Fubon Business Titanium. This was an automatic cash back card. Standard Chartered - 80,000 I opened a bank account with them after they came to our office, it included the credit card which was more or less my monthly salary in credit. AMEX Platinum C… ---
**Author:** ![meishijia](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/meishijia/32/178949_2.png) [@meishijia](https://tw.forumosa.com/u/meishijia)\ **Post date:** [May 31, 2022, 2:25am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/5 "2022-05-31T02:25:49Z")
- **Company:** Taipei Fubon Bank - **Card applied for:** J Points - **Credit score/history before applying:** Zero credit score, but record of having AMEX card - **Date of application:** May 17 2022 - **Date of credit report check:** May 17 2022 - **Date of follow up text:** May 23 2022 - **Date of approval:** May 25 2022 - **Date of arrival:** May 30 2022 - **Time from application to card recieved:** 2 weeks - **Guarantor required?** No, but they initially wanted one. Eventually they accepted without - **Secured deposit required?** No - **Apply where?** Paper application via agent - **Credit limit given:** Around 1 months salary **Supporting documents provided:** - Scan of ARC (front and back) - Scan of passport - Scan of tax statement showing 2021 earnings - Three months of payslips (non stamped) - Scan of bank book showing three month salary payments - UK brokerage statement showing investment savings ---
**Author:** ![Roflmauer](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/r/e5b9ba/32.png) [@Roflmauer](https://tw.forumosa.com/u/Roflmauer)\ **Post date:** [July 6, 2022, 7:45am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/6 "2022-07-06T07:45:54Z")
- **Company:** American Express - **Card applied for:** 美國運通信用金卡 - **Date of application:** June 22 2022 - **Date of follow up call:** June 28 2022 - **Date of approval:** June 29 2022 - **Date of arrival:** July 1 2022 - **Time from application to card recieved:** ~1 week - **Guarantor required?** No - **Secured deposit required?** No - **Apply where?** Online - **Credit limit given:** Same as my SCSB credit card (with guarantor) about 1.5x monthly salary **Supporting documents provided:** - Scan of ARC (front and back) - Scan of passport - Scan of tax statement showing 2021 earnings - Three months of payslips (non stamped) FYI: The lady that called spoke Chinese with me first (I can speak decent Chinese) but could switch easily to English when I wasn’t sure about something during the call. Thanks @meishijia for all the valuable info you are sharing especially regarding credit cards/banks ---
**Author:** ![justintaiwan](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/j/7ea924/32.png) [@justintaiwan](https://tw.forumosa.com/u/justintaiwan)\ **Post date:** [November 16, 2022, 4:23am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/7 "2022-11-16T04:23:44Z")
- **Company:** Citibank - **Card applied for:** 2% Cashback card - **Date of application:** October 2022 - **Date of follow up call:** October 2022 - **Date of approval:** October 2022 - **Date of arrival:** October 2022 - **Time from application to card recieved:** About 3 weeks - **Guarantor required?** No - **Secured deposit required?** No - **Apply where?** by post - **Credit limit given:** $156,000 12.79% interest rate **Supporting documents provided:** - Scan of ARC (front and back) - Scan of passport - Scan of tax statement showing 2021 earnings - Proof of labor insurance and insured salary - death insurance policy \*My spouses household registration (which I am listed on) Noteworthy: I did not provide any bank statements or proof of salary transfer. The process was reasonably smooth but felt slow ---
**Author:** ![frank\_hnd](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/frank_hnd/32/125285_2.png) [@frank\_hnd](https://tw.forumosa.com/u/frank_hnd)\ **Post date:** [November 19, 2022, 2:02am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/8 "2022-11-19T02:02:55Z")
> [@justintaiwan](#): > > - Proof of labor insurance and insured salary > - death insurance policy I have never been asked for these. and What exactly is proof of insured salary? ---
**Author:** ![justintaiwan](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/j/7ea924/32.png) [@justintaiwan](https://tw.forumosa.com/u/justintaiwan)\ **Post date:** [November 19, 2022, 2:27am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/9 "2022-11-19T02:27:14Z")
They didn’t ask me but I didn’t want to provide my bank statement. It’s a document from the labour insurance bureau that proves your income. You can print it from their portal if you have a Citizens Digital Certificate or you can just ask your local labour insurance office for it. [https://www.citibank.com.tw/global\_docs/chi/cc/uploadmsg/index.htm?group=A-1](https://www.citibank.com.tw/global_docs/chi/cc/uploadmsg/index.htm?group=A-1) You could also use a document from the NHI app as proof of income ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 2:38am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/10 "2022-11-19T02:38:23Z")
Company: first bank Card applied for: JCB icash Lulu Date of application: November 2022 Date of follow up call: November 2022 Date of approval: November 2022 Date of arrival: November 2022 Time from application to card recieved: About 3 weeks Guarantor required? No Secured deposit required? No Apply where? by post, but had to visit a branch to resubmit the application form for some issues as advised during the followup call Credit limit given: $50,000 Supporting documents provided: Scan of ARC (front and back) Scan of passport Scan of driving licence (front and back) Scan of 3 most recent bank statements (HSBC TW does not have passbooks) Copy of employment letter The process was reasonably smooth, and besides the branch visit, uneventful. I could check the progress online Applied using the Gold Employment card “special” form in English. ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 2:40am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/11 "2022-11-19T02:40:38Z")
Company: CTBC Card applied for: Line Pay JCB card Date of application: October 2022 Date of approval: october 2022 Date of arrival: October 2022 Time from application to card recieved: About 2 weeks Guarantor required? No Secured deposit required? No Apply where? by post Credit limit given: $20,000 Supporting documents provided: Scan of ARC (front and back) Scan of passport Scan of driving licence (front and back) Scan of 3 most recent bank statements (HSBC TW does not have passbooks) Scan of the front of my CTBC NT passbook Copy of employment letter The process was reasonably smooth, too bad I couldn’t check the application progress online since CTBC does not recognise ARC numbers ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 2:43am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/12 "2022-11-19T02:43:00Z")
Company: Cathay United Card applied for: Eva Air Visa Infinite card Date of application: September 2022 Date of approval: September 2022 Date of arrival: October 2022 Time from application to card recieved: About 5 business days Guarantor required? No Secured deposit required? No Apply where? by post Credit limit given: $400,000 Supporting documents provided: Scan of ARC (front and back) Scan of passport Scan of driving licence (front and back) Scan of 3 most recent bank statements (HSBC TW does not have passbooks) Scan of the front of my Cathay United NT passbook Copy of employment letter The process was incredibly smooth, could check the progress online but took so little I checked only once ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 2:47am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/13 "2022-11-19T02:47:53Z")
Company: Cathay United Card applied for: Costco Visa Signature Date of application: May 2022 Date of follow up call: May 2022 Date of approval: May 2022 Date of arrival: May 2022 Time from application to card recieved: About 2 weeks Guarantor required? Yes Secured deposit required? No, but left 20k on the account just in case Apply where? At Costco Neihu store Credit limit given: $60,000 Supporting documents provided: Scan of ARC (front and back) Scan of passport Scan of the front of my Cathay United NT passbook and foreign currency passbok Copy of employment letter The process was smooth, had to use the guarantor since I bad no history and no 3 months salary paid into any TW account (I moved to TW in Apr 2022), so it was critical to get the first card for ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 2:50am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/14 "2022-11-19T02:50:33Z")
Company: Fubon Card applied for: TW mobile Open Possible Visa Signature Card Date of application: Aug 2022 Date of approval: Aug 2022 Date of arrival: Aug 2022 Time from application to card recieved: About 1 week Guarantor required? No Secured deposit required? No Apply where? By post Credit limit given: $60,000 Supporting documents provided: Scan of ARC (front and back) Scan of passport Scan of my driving licence (front and back) Scan of my most recent 3 bank statements Copy of employment letter The process was very smooth, and I could check the status online ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 2:55am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/15 "2022-11-19T02:55:04Z")
Company: American Express Card applied for: Eva Air Gold Charge card Date of application: May 2022 Date of follow up call(s): May 2022 Date of approval: May 2022 Date of arrival: May 2022 Time from application to card recieved: About 3 weeks Guarantor required? No Secured deposit required? No Apply where? Online Credit limit given: N/A, charge cards do not have credit limits Supporting documents provided: Scan of ARC (front and back) Scan of passport Scan of my most recent 3 bank statements from HK Scan of my Amex card from HK for reference Copy of employment letter The process was very smooth since even foreigners can apply online, but can’t check the status online (no one can, not provided), but the hotline is impressive and the English of the customer support is very decent. First card ever obtained in Tw, so bad the accrual rates are not as good as the cathay United’s one and the acceptance of Amex in tw still not very widespread outside main cities and fancy shops/restaurants. They deserve more accolades since they are the most foreign friendly financial institution here ---
**Author:** ![justintaiwan](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/j/7ea924/32.png) [@justintaiwan](https://tw.forumosa.com/u/justintaiwan)\ **Post date:** [November 19, 2022, 5:50am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/16 "2022-11-19T05:50:29Z")
@Mataiou i think you’re the credit card King 😂😂 ---
**Author:** ![rooftopclown](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/rooftopclown/32/58063_2.png) [@rooftopclown](https://tw.forumosa.com/u/rooftopclown)\ **Post date:** [November 19, 2022, 6:27am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/17 "2022-11-19T06:27:07Z")
- **Company:** Citibank - **Card applied for:** 2% Cashback card - **Date of application:** Nov 2022 - **Date of follow up call:** Nov 2022 - **Date of approval:** Nov 2022 - **Date of arrival:** Nov 2022 - **Time from application to card received:** 2 weeks - **Guarantor required?** No - **Secured deposit required?** No - **Apply where?** by post - **Credit limit given:** $750,000 **Supporting documents provided:** - Scan of ARC (front and back) - Scan of passport - Salary slips for last 3 months - Proof of employment - Copy of securities account statement - Copy of credit report Got a call a day or two after they received my application, during which they asked me to confirm all the info provided. Then a text 3 working days later saying that they are sending my application for final approval. Card arrived 2 days later. Not sure I need such a high credit limit, but glad to see they offer that to foreigners. ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 7:56am UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/18 "2022-11-19T07:56:51Z")
As I said, it is my job😂 I want to see how the industry works here, so need to apply to as many cards as I can. Now Mega bank is reviewing, next one will be a taishin, then a xin kong. ---
**Author:** ![dan2006](https://forumosa-12829.kxcdn.com/letter_avatar_proxy/v4/letter/d/ea666f/32.png) [@dan2006](https://tw.forumosa.com/u/dan2006)\ **Post date:** [November 19, 2022, 1:28pm UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/19 "2022-11-19T13:28:59Z")
Shinkong requires a guarantor and won’t budge, taishin does too but they are hit and miss, sometimes they will pass it without. And Mega used to require either a guarantor or a secured deposit however they have removed that requirement a few years ago from the website so maybe it changed. ---
**Author:** ![Mataiou](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/mataiou/32/178744_2.png) [@Mataiou](https://tw.forumosa.com/u/Mataiou)\ **Post date:** [November 19, 2022, 1:41pm UTC](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705/20 "2022-11-19T13:41:08Z")
Will try nonetheless, for science! Like for Citibank I cannot apply at the branch since they cannot identify my account at HSBC as mine since… The account number is partially masked on the statement BEARING MY NAME. Will try again via post. So far the only bank with which I tried twice and twice didn’t go anywhere is HSBC. They require a guarantor even for premiere customers unless you have at least 3M NT in deposits… Useless [Next page](https://tw.forumosa.com/t/credit-card-success-stories-share-your-timeline-application-details/219705.md?page=2)