Credit Card Success Stories - Share Your Timeline & Application Details

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
  • 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 to copy it.
  • This thread is for success stories only, for any discussions or questions click here.
  • 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.
6 Likes
  • 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.
1 Like

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)

3 Likes

I posted about it before:

2 Likes
  • 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
  • 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

4 Likes