Something that’s occurred to me recently as more of us have been formally complaining about different banks is that it’s kind of cute how incompetently they’ve so far been discriminating against foreigners (and most foreigners haven’t been willing to complain about).
Like actually telling us that we need guarantors specifically because we’re foreigners and writing this on their websites. It seems like the smart way for them to go about it would be to just quietly decline the application without telling us the reason, because once they tell us the reason it makes it quite easy for us to complain.
I suppose the hope of all the complaints is that banks revise their policies so that the next foreigner who comes along doesn’t need to complain… but it’d be annoying if the policy revision was instead to tell their staff not to make it so obvious to our faces that we’re being discriminated against. 