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[Andrew]

@Niurou

Credit in Japan is a different beast. Credit card companies avoid the whole discrimination angle by just black boxing applicants so when they deny your application, they will never tell you why and just say it’s a trade secret. No way to prove they are denying you as a foreigner either. Maybe they brought their way of doing things to Taiwan.

Rakuten will never accept my application, I tried half a dozen times just keep getting the declined SMS and like in Japan they won’t tell me why, just that I failed their comprehensive credit screening

I don’t have direct experience, but yeah I understand that foreigners living in Japan have it worse than us, with little to no legal protection against discrimination. That said, I read when I posted the other day that Rakuten seems to be one of the more foreigner-friendly ones in Japan.

It’s also occurred to me before that there would be much smarter ways for Taiwanese banks to discriminate without making it so obvious. Hopefully they don’t realize that too quickly as well. It’s what I was getting at in this post:

Credit Cards for Foreigners - General Discussion

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…