# Credit Cards for Foreigners - General Discussion **URL:** \ **Category:** Money\ **Tags:** creditcard\ **Created:** [July 13, 2020, 3:01pm UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325 "2020-07-13T15:01:40Z")\ **Posts on this page:** 20\ **Page:** 11
**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 8, 2022, 10:26am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/201 "2022-05-08T10:26:51Z")
In that case they must only notify if you are declined. ---
**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 10, 2022, 6:37am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/202 "2022-05-10T06:37:44Z")
AMEX just called to confirm the address my card will be delivered to. They said my application is approved and I’ll receive my card after a few business days. Apparently I will also receive an email confirmation shortly. Woohoo. My first credit card. ---
**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 10, 2022, 7:35am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/203 "2022-05-10T07:35:52Z")
I also just received an email from the automatic alert I set up on companies checking my credit report. Weird that I’m getting this after they already approved me. Maybe there is a delay and they actually checked this morning ---
**Author:** ![SunWuKong](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/sunwukong/32/125743_2.png) [@SunWuKong](https://tw.forumosa.com/u/SunWuKong)\ **Post date:** [May 11, 2022, 2:28am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/204 "2022-05-11T02:28:49Z")
This came up a while back and I think there was a solution, but I can’t find the answer now. Since so many people have a CTBC card, has anyone had trouble linking it to your app? Or online banking? Does it take a while to show up? I finally got my first credit card in Taiwan. They sent me two and I activated both. I bought one thing with one and it’s working, but I don’t see any information in either the website or app. I activated one card through the CTBC app and the other some other way, through LinePay maybe. @lostinasia had this problem earlier. Did you find an way to check your balance on the card? I need some way to monitor how much I owe before payment is due so I don’t go over. ---
**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 11, 2022, 8:44am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/205 "2022-05-11T08:44:53Z")
> [@Credit Card](https://tw.forumosa.com/t/credit-card/78997/4): > > Getting the card with your wife as guarantor or cosigner will not help you build any credit history in Taiwan. All the credit reporting and risk goes directly to your guarantor. How sure are we that this is correct? ---
**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 11, 2022, 8:49am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/206 "2022-05-11T08:49:06Z")
Also, can anyone here confirm if they were approved for an HSBC credit or charge card without a guarantor? Their site says foreigners need a guarantor but have heard conflicting info from others. ---
**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 11, 2022, 9:13am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/207 "2022-05-11T09:13:58Z")
![image](https://forumosauploads-12829.kxcdn.com/original/3X/6/a/6abf272d8e279beb114f6d7fdd60b5ecade2694b.jpeg) American Express sent an email confirming card is coming. Very excited ---
**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 11, 2022, 1:00pm UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/208 "2022-05-11T13:00:23Z")
My husband who is a Taiwanese citizen tried to apply for a HSBC card and they said his income is too low but I’m pretty sure he didn’t even get to make a formal application. I would love if there was a credit card here I could earn Singapore Airlines miles with Seems like Amex is easily the most foreigner friendly. I got the impression they treat foreign customers exactly the same as their Taiwanese customers. ---
**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:** [May 11, 2022, 9:13pm UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/209 "2022-05-11T21:13:28Z")
That’s how it was years ago. Not sure about today. But anytime someone signs for you, they are the valued customer, not you. The bank does not view you as creditworthy. As far as HSBC, I got one years ago unsecured but I had to make a bit of a stink about it. They didn’t want to at first. ---
**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 11, 2022, 10:52pm UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/210 "2022-05-11T22:52:58Z")
With AMEX cards, could we just add them to LINE Pay, JKOPay or Taiwan Pay and then use the card wherever those platforms are accepted? Or do those platforms not accept AMEX? ---
**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 11, 2022, 11:15pm UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/211 "2022-05-11T23:15:46Z")
Line Pay and Taiwan pay don’t work with Amex. If you find one if those platforms that does let me know! ---
**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, 5:10am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/212 "2022-05-12T05:10:37Z")
> [@justintaiwan](#): > > She said the credit limit and card have already been approved but I haven’t received any emails or anything yet. So basically it’s been (supposedly) approved without any financial information from me except for the balance in my Cathay account. With your Costco card, I noticed that there is a requirement on the Cathay site that you need to have been in your current job for over a year. Did you meet this requirement? I don’t because I recently changed jobs, but am thinking of applying anyway ---
**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, 5:29am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/213 "2022-05-12T05:29:43Z")
I do meet this requirement but they never asked and I never showed any proof of where I work or how much I earn, also I get paid in cash so I don’t have salary deposits in my bank accounts. I received the card in the mail today and it works! 15% interest rate, $30,000 credit limit. I haven’t been able to add it to line pay yet, line pay says the phone numbers don’t match but I have my cathay debit card on my line pay account so I might give it a few days. I think having had a cathay bank account for ages that is used pretty frequently helped ---
**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, 5:31am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/214 "2022-05-12T05:31:27Z")
Ah, cool! I’ll go and apply for one tomorrow then and see 🙂 Thanks ---
**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, 5:57am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/215 "2022-05-12T05:57:09Z")
A day after recieving the confirmation email from AMEX, the card just arrived! It arrived at my wife’s parents place so my father in law is now opening it for me and will attempt to take a photo of the card and letter so I can set up the AMEX app. Wish him luck… ---
**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, 6:14am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/216 "2022-05-12T06:14:59Z")
As you can imagine the photo is blurry… we are trying again ---
**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:** [May 12, 2022, 6:31am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/217 "2022-05-12T06:31:42Z")
Amex was my first card in Taiwan many moons ago. I think once they showed on my credit report many other banks were more willing to lend me credit. I eventually cancelled it as they wouldn’t waive the annual fees which they did the first and second years for me. And by this point I had other banks cards and the fact that amex wasn’t usable everywhere. Their service was excellent however. ---
**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, 6:41am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/218 "2022-05-12T06:41:07Z")
That’s also my plan, glad to know it worked for you 🙂 ---
**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, 6:49am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/219 "2022-05-12T06:49:03Z")
![image](https://forumosauploads-12829.kxcdn.com/original/3X/b/4/b4b42f0c43f3818ac1ee540dd0b40873f2cc1571.jpeg) Bit of a let down, the AMEX gold card doesn’t support Apple Pay. I guess I really will _never leave home without it_. ---
**Author:** ![qwert\_zuiop](https://forumosa-12829.kxcdn.com/user_avatar/tw.forumosa.com/qwert_zuiop/32/87708_2.png) [@qwert\_zuiop](https://tw.forumosa.com/u/qwert_zuiop)\ **Post date:** [May 12, 2022, 6:56am UTC](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325/220 "2022-05-12T06:56:12Z")
Stupid question: But why so much love for Amex in this thread? They’re accepted almost nowhere (compared to VISA / Mastercard), mostly have an annual fee and not that many benefits from what I understand. I’ve never felt the need to get an Amex - the only time I had one was when I received one issued by my employer which I had to use for travel. [Previous page](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325.md?page=10) [Next page](https://tw.forumosa.com/t/credit-cards-for-foreigners-general-discussion/194325.md?page=12)