Didn’t say I was married… And… I’m not. Also… I didn’t know that one needed to be married to make babies 
You have the kid’s ROC copy in your cellphone, you said. If your name is on the paper, then you are not average, run of the mill, single foreigner. No matter how you got there.
One wishes the bank would look at our bank accounts or salaries before deeming us good enough for a credit card. But here blood ties are the important, key element, with emphasis on ties.
I also got a 300k credit line with a couple of other banks. Reasonable banks. Fubon is not being straightforward even with locals. So pardon me for assuming that Fubon took the easy way, married/divorced furriner is most of the time ok to go.
Totally not true. Every time my Taiwanese husband gets involved they make things harder not easier. They think they can make up extra bullshit because someone who speaks Chinese and grew up here will listen to the bullshit they spew.
The easiest path is always as humanless as possible. Print the application, post it with supporting documents, wait. Don’t talk to anyone. As long as your ARC has a decent amount of time left on it, shouldn’t be a problem.
I give my opinion based on my coworkers and friends and testimonials here. Mostly, the bank insists on just putting the cards under the local significant other, even if they have no job/assets. Somehow, the ties, the family ties, seem stronger than cash. I’ve rarely seen them giving grief for an additional card for the foreign spouse. Now, having the stuff on the foreign spouse name, ah, that could be tricky but still doable.
As to ARC, well, when it comes to singles, even with APRC they will make stuff up to make it harder.
No they don’t.
No it isn’t
They make stuff up for all ARC holders. Doesn’t matter if it’s work/spouse/APRC. That’s why you do everything as humanless as possible.
You just haven’t learnt to work the system yet.
Applied with many banks, and will do with more. I just mail all my docs and forms, 95% goes through without a calll or visit to branch needed, I call only to speed up the process.
They were actually… reading the Chinese article I found that the reason was they those customers (who got low limits) were auto-approved based off of their bank balances and not their incomes… -In order to rush the tens of thousands of applications they were receiving daily… Fubon said people can easily increase those limits by providing more information.
Also how does Fubon know I was married/divorced? It doesn’t say that anywhere on my APRC? Can you show where I on my APRC that I can find my daughters ROC ID? She also doesn’t have an ID card because she is only 5…
This seems a bit of a silly (/Taiwanese) explanation. So they just blanket gave so many people low limits to rush the applications through, forcing the customers to go to the hassle of trying to fix it later? It’s not unlike what Richart did with automatically rejecting foreigners rather than asking for more info.
I wouldn’t actually be surprised if banks could find out this info in Taiwan. Assuming that the application form doesn’t require people to choose “single” vs. “married” etc. (which would be unusual), I’ve been a bit disturbed at times by the info banks and unrelated government agencies have access to. When I was updating my ARC number at Standard Chartered last week, in among the big stack of paper I think I noticed some sheet detailing my immigration history or something (I didn’t get a close look), as well as a high-resolution version of my most recent ARC photo (presumably from immigration) taking up half of an A4 page. Similarly, when I was applying for NHI the woman at the counter knew the name of my ex-girlfriend who lived with me and asked if we were married. Anyway, I would imagine that the fact you’re married and have a Taiwanese child is somewhere out there in the ether…
I miss the old days when none of their systems talked to each other. Now everybody can be up in someone’s business. It’s gonna be fun when all that personal data is inevitably hacked by someone.
Well, with me they just applied the limit of my other fubon card, which is ok enough for Costco purchases
The first 2 documents are basic ones for banking, one is the entry and exit history (most likely to ascertain your tax residency) and the other is the certification from NIA that your ARC is genuine. With ID cards that certificate is obtained via API call, so all automised, NIA can’t be less bothered and still requires phone calls/manual inputs on a website.
The details about your gf can be checked easily thanks to the hukou system, they just matched that u were living at the same address there with her and presto.
Open banking for those matters in Taiwan thanks to the JCIC is quite developed and works well. Someone can say it is an infringement of privacy, but everyone signed something at the bank(s) giving them authorisation to share those information
Information about everyone in Taiwan was leaked from the government database and sold for measly 5k USD, pocket change for banks (but technically illegal to posses). Contains all information that is in the HHR, even family relationship to others et al.
If I already have a Fubon credit card, can I use it in Costco?
Or does it have to be a co-branded card?
Must be cobranded, maybe debit cards can work still like it was with cathay
Household registry data. The one they keep asking for.
If they used credit rating that’ll be fine. But bank savings? Family ties? Am I the only one that thinks something is fishy with this bank?
Just ask the bank for the cobranded.
They didn’t ask any of that to me. Sent all docs via mail, 3 statements, arc, passport, that’s it. Approved without any fuss
Good idea. I’ll try.
3 statements? Bank statements?
That’s the detail that’s bothering me. In the past, other local banks have asked for income. I do not know how I feel about sharing my expenses and savings details.
I don’t have a salary statement since I don’t have a Tw employer, and don’t have yet a tax statement since haven’t paid yet any taxes here.
So only 3 months worth of bank statements can show my salary together with my employment certificate from my HK employer (in Chinese and eith official chop so they are merry and happy). They already know it all tbh, can’t hide anything here, and have nothing to hide.