There’s no fancier way!
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Yeah, they just send a SMS message that they postponed it.
hadn’t receive anything
My experiment has been relatively successful. I obtained a credit card from Megabank by acting as my own creditor. After paying off the full balance for two months, I applied for both an American Express card and Fubon’s Costco card (this was at the point where I’m employed in the new company for 4 months and showing my passbook to both AE and Fubon with salary and CNY bonus). Despite worrying that I might appear to be a credit chaser, which could negatively affect my applications, I was approved for both cards. Each card came with a credit limit of $80k. Not extraordinary but not bad either.
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What does that mean? You mean you opened up a term deposit and put money in that as a “guaranteed deposit?”
That’s low. Mine are over $300,000 each
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My lowest card is $10k (they didn’t want to give it to me in the first place) and highest is 200k. Put a pack of gum on the $10k one once a year to keep it active for credit scoring. It’s been years I should ask if they will increase it
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Seems like here to increase limit they ask for financial proof again, unlike in the west where they hand out limit increases like candy for no reason at all.
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Taiwanese banks don’t want to lend a cent unless they are guaranteed to get it all back. Western banks seem to have more tolerance for bad debts
Not really. My wife is Taiwanese and her limit is 300k 180k. She only make 40k 35k a month at that time.
They only care if you are foreigner.
Edit: I recheck I have the numbers wrong. Still more of what they would give me to me with a much higher salary.
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That’s a wild limit for someone with $40k a month.
Taiwan banks care insomuch as they demand a ton of financial data to approve things whereas in the USA you just click a increase credit limit button
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Yes, exactly. I had no credit history and just begun work in TW company. So tried to speed things up by being my own creditor.
I know right. But for me still a success, from no credit history to this in a couple of months.
Unable to cash out miles from DBS travel card because “id is not registered with eva air”. Seems like same problem as cathay cards where you have to call the airline and get them to register your id somewhere. I assume citizens aren’t affected?
Amex and HSBC do not have this problem for some reason.
Dunno, it’s something very stupid.
I had this issue with the Cathay United Eva card.
Basically they require you add the ARC/ID number to your membership, which can only be done within TW calling them. It took me 5 mins to do. Amex actually didn’t ask me to do that for their Eva card (which was my first card ever in TW), only Cathay United required me when I got their Eva card.
I just booked a flight to Australia using my CTBC China Airlines card using my Dynasty Flyer membership… I already have nearly 30,000 miles and I got a message saying I could use miles to get a lower ticket price.
it seems that this affects only Eva air and only with certain banks/issuers.
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I see more CPC (台灣中油) gas stations are accepting AMEX cards. (self service)
Previously I could get gas only at NPC (全國加油站) gas stations using AMEX.
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I pulled a new JCIC credit report.
| Date | Rating |
|---|---|
| 2023-05-24 | - |
| 2023-08-30 | 680 |
| 2023-11-15 | 691 |
| 2024-04-15 | 758 |
AMEX issued 2023-05-24
HSBC issued 2023-09-06
By this rate I should reach max 800 rating by the end of July.
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I checked last year and mine hit the max 800 age of accounts over 12 years. Asked Huanan about a mortgage waving around my score and savings and they weren’t interested in the least.
The 20s something girl thought it wouldn’t be an issue until the manager came over
From what I’ve read on here Fubon and Chinatrust will
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The postponed HSBC credit card website update is going to commence between April 27 to April 29. 
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Cool. I might apply for the HSBC credit card they are dropping the 8k a year card fee for first year and giving a 26k rebate on airfare. Only for we poor Premier Account holders
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