I have a card from Changhua Bank. As well as ATM and smart chip functions, it’s a Mastercard. Mostly I use it for online payments. Regarding the Mastercard, the money is debited directly from my account each month. I call it a debit card but apparently the bank define it as a credit card.
To get the card, I had to get a guarantor. I complained, but that was the only way. Now, I’ve had the account for five years and the card for two, without any problems at all. You’d think I’d be a low risk for the bank, right?
Apparently not. They phoned me up yesterday to tell me that my guarantor is having credit problems and that I need to find someone else to sign. But I don’t want to ask anyone to do that, as it’s really an imposition. So I guess it’s goodbye Changhua Bank. But that means I’m a bit stuck as I really need online payment facilities. I have a few questions and would be very grateful in anyone can give any tips.
1 I don’t think the card has been put on hold, and it’s definitely not cancelled yet. Do you think I’m OK to use it right now to put some money in my Paypal account and buy a couple of books I need online? Surely I wouldn’t be accused of fraud or anything?
2 What are my longterm options?
a) Are there any local banks which offer a proper debit card, with no guarantor needed? I checked some old threads, but information seems contradictory and out of date
b) If that’s not possible, how about a credit card with no guarantor? I don’t want to borrow money but if that’s the only way to get online payment facilities, I’ll do it.
c) What are the chances of getting a credit card from my UK bank delivered here? I’ll have to ask them myself I guess but does anyone have experience of this?
d) Do you reckon I could set up a UK HSBC credit card account and get the card delivered to an HSBC branch here?
e) Anyone want to be my guarantor?
Cheers for any advice.