Advice needed for Sumitomo Bank's Super Flyer Card
Escrito el 9 de January del 2009 por cfz.I was not given a reason on why it was rejected, so I am asking for advice from those who sucessfully got approved for this card.
I plan to resubmit my application and I wonder if there are any improvements I can make to make my application sucessful this time around.
Due to advice from my co-workers, I did on purposely put some white lies on the application this time. They are the following:
1) I wrote that my income was at 7.5 million yen a year, but only 3 million yen is income from English Teaching in Japan. (I did include 6 months of copies of Japan's pay slip and 6 months worth of copies of Pay-check from Hong Kong in my application) I am not sure if term 'income' means Japanese income only but not anything outside of Japan or if I was flagged as they assume I am lying.
2) I am not Japanese. I have a foreigners card but I only provided a copy of my Japanese driver license and Japan National Health Insurance for my application. I don't know if this is a problem and they want a copy of my foreigner's card.
3) I have been working in Japan continuouly for close to a year but I put down 2 years. I don't know if that is not long enough or if I should put the truth. I heard foreigners (even Chinese ethnicity with Chinese names) cannot get a credit card for the first few years they are in Japan.
4) I do have a bank loan of 300,000 Yen ($US 3000), but I didn't indicated that on my application since I have approximately the same amount in my Hong Kong Bank Account. I thought it would hurt my application had I included it.
5) I place my Chinese name (with Katakana on top to explan how it is read) on my application, but all my Japanese documents have romanized characters of my Chinese name. My pay-slip uses my Christain first name instead of my Chinese legal name. I wonder if they thought it was a identity fraud and flagged me.
6) I have 2 bank accounts but I placed a newly opened one on the application for automatic payment and I told them the truth that it has been opened for a few months. I could have placed my Mizuho bank account which has been opened for almost a year. I don't know if this mattered or not...
I myself is a Chinese-Canadian, and I did make sucessful credit card applications in Canada (which I am a citizen) and Hong KOng (which I am also a citizen). I think maybe the rules are a little different. I just don't see myself as a financial risk for them. I want that Card for the Star Alliance Gold status and I could give one to my mother so she can share the benifits.
Any advice would be extremely useful.
Thank you again for the help.
Update Sept, 06: I have resubmit my ANA Super Flyers Card application (this time for a Sumitomo Mastercard) and see if anything happens. I have taken the advice of some of the posts here. I increased my year of employment in Japan to over 5 years, reported my Japan income only (but included copies of paycheck and payslip from my Hong Kong job and Japan job to show I make much more) and included copy of my forengners card. I also changed my job title to "Network Administrator" instead of "English Teacher". I asked my manager to cooperate just in case they called... I hope this works.
According to Japanese BBS, difficulty will be (Easy) Sony Finance(Elio)
2) You should include copy of your foreign registration card.
3) Banking loan would considered to be negative and lower you credit score.
7) If you are self employee it is also considered negeative in Japan.
Sony Finace is said to be easy to own, but I do not know about their policy for foreigners.
I got my reply from Sony Finance today and I got a rejection on the ANA Elio card. I am puzzled since I did sucessfully get a credit card from Mizuho Bank and a Card Loan from JCB's FirstLoan+.
Sony Finance never called my company and ask for income verification nor did they ask for copies of my Alien Card.
I reapplied with Sony Finance online and list my job title as "Network Administrator" as my job instead of "English Teacher" and increased my time of employment and asked my manager to collaborate if Sony calls. I hope this works...
Also, I got a leter from a collection agency recently. This letter is for the previous renter of my apartment and not for me. I wonder if this is affecting my application?
第22条 （会員資格の取消）
本会員の信用状況が悪化したと認められるときも前項に準じるものとします。
Which means that if my credit rating by credit agency's in Japan goes down, it can cancel my card.
I don't know what is on my credit file in Japan. I have a very good credit rating in Canada. There are no bad loans in Japan, no morgage, no car loans, just ANA Super Flyers Card. All my bills were paid off the before I left Japan.
So either there is a identity theift in Japan :rolleyes: or they are playing games :mad:
The sad part of this story is that they do know I have been using thier oversea help desk for 2 years. It is almost impossible for me to be applying for cash-cards, credit cards or bank loans in Japan while I am overseas. So if there were Japanese loans/cards/stuff opened within the last 2 years, they should know it wasn't me.
Another probable explanation is that I have no taxable income from Japan anymore. So with a 200,000yen credit card with no Japanese income, the credit rating goes down. But then again, folks at Mitsui card knows I hold a Canada government job. Each month, they sent their statement to my office. I have sent my Canada Income Tax return of 2007 to them along with recommendation letter of approval letter from Super Flyers Desk / Platinum Service Desk to them yesterday. If no income is the reason, my Canada Tax return should be able to blunt that reason.
My passport expires this year. My Foreigner's card expires next year. By the time I get my new my passport (I am adding my Christian first name on it), and then a new foreigner's card (which only shows both my English and Chinese name), my credit file will be whiped out and my credit file will have to start from scratch again. If I can just get pass this, I would have a continous 4 years of credit history with Sumitomo next time around.
They could have offered a deal that they won't send me a card, but charge me the same annual fee for the Super Flyer status and let me keep my status for long term or for limited time.
Pfff, you’re joking right ? Why in the hell will they do that ?? They are running a credit card business, making money on transactions charged to the card of clients with a low credit risk. They are not running a charity for people who just want to retain their gold status.
If you can't prove you have a regular income in Japan which they can seize in case of payment default, what should they give you a credit card ? The risk is too high for them.
On another note, if you relocated in Canada for good, then you were supposed to give back your Alien card. Because your working situation changed and your working visa, even if not expired yet, is therefore legally voided.
Also, your alien card means nothing. It's valid for 3 years even if you have only a one year working visa. What counts is having a proper working visa.
I was shortsighted before. I underestimated the problems of this $2000 card. I agree with the point on income. I should have opened a brokerage account before I left. When I return to Japan this fall, I will open a brokerage account with Mitsui so blunt this point. I will transfer $CAD 50000 over and buy some fixed income mutual funds to see it through that I get income in Japan. As long as the alien card is valid, I can open bank accounts and brokerage accounts.
In another note, I was an English teacher before, but have not decided if I will return as an IT guy or not to Japan. Lots of investment firms seem to want IT guys and I have not ruled out returning.
When I asked, no one asked for it when I went pass the customs. Resona Bank have over 300,000 yen in term deposit when I left in Jan 2007. They hinted 'Don't ask, Don't tell' so I need not take my deposit away and they won't close my account. My home address is one with a "close" girlfriend (I haven't proposed yet but will soon).
If Mitsui bank opens my brokerage account, accept my 5,000,000 yen deposit and follows the same 'Don't ask Don't tell' rule similar to Resona Bank, I'll blunt their next attempt of denial 4 years from now (assuming they let me through this time).
I took the advice from Shinnene and asked told the Super Flyer desk that I want a card change. They say they will send me a form that would cancel my current card and a new form that allows me to reapply for a different type of Super Flyers card (VISA or JCB). When I told her I am temporarily out of the country and may need to return to Japan before applying this new card (not any time soon), she reaffirms me that she put a note on my profile. Though it maybe demoted to a regular account during the cancellation process, as long as my regular account remains active, they can switch it back to Super Flyer status when they receive my application for a new super-flyers card.
As of September 5, 08 I recieved my application package for the Super Flyers card in Canada. My status has been demoted back to regular account and I haven't paid my last bill yet nor have I heard back from their chairman.
After studying various frequent flyer programs, I decided to switch my flight credits to Asiana (instead of Air Canada) as original planned. Though I am likely going to get the StarGold benifits just from travel patterns but it is still a step down since I won't get the same number of potential upgrades.
Oh and if you entered Japan since November 2007, you have been fingerprinted. But I'm sure that event without that immigration authorities will easily be able to cross-reference you...
I disagree that Japanese living abroad get similar treatment since international students that was in my university got their Japanese credit cards sent to Canada (but they were JCBs). Of course, that was a few years back.
I stand by my thoughts that they are unfair and you can stand by yours that I am pathetic. I am keeping my fantasy that their chairman would reply.
The racist card works only in North American society because everybody tries not to be racists. I learned during my year in Japan that it is quite useless in Japan or in China.
I may have been brought up differently than you do. When I grew up in Asia, I find out that rules change easily and will bend easily. You get special treatment as long as you are important enough - in money or in status. You can get away with murder it as long as you hold a diplomatic passport.
North America education I had later in life changed that thinking somewhat and I started to beleive in the rule of law. It seems it works in North America and maybe it may work around the world. My mistake was to do things in Japan as if I was in the west. I was a sucker to follow the rules like the I did in North America and resulted in a cancelled card. What I should have done was to show them the money early on, make friends with the branch manager and threaten to pull my funds out if they cancel the card.
Unless there are something new happening, I would leave it at this.
I have a home address in Japan and also a bank account in Japan. The overseas service looked fine saying that it could send my stuff to Canada while I was abroad. It was probably my mistake to use the oversea help desk. I should have kept quiet, use online statement and let auto bank transfer take care of the rest and allow my card to be sent to my home address in Japan.
My Resona bank have no probem keeping my account open - I was hinted at the "don't ask, don't tell" thing. If Alien card should not be a problem, it has not expired. If "not working in Japan" is a problem, I can get some former business associate file some tax return as if I was working there for the past 6 months. We're not talking about fancy half a million loan here. It's a credit limit with only $2000.
The bottom line is that I paid my bills on time everytime sicne I got this card. I have a Japanese address and an active Japanese account. I have a job - a government one. If they need a Japanese employer just for kicks, I can get one for them. I don't see Japanese government being upset if a company want to pay extra taxes.
I will be talking to the one of those credit supervisor's on Monday and see if there are anything I can do about it. It wasn't easy getting that SuperFlyercard - it was like pulling teeth from Sumitomo. If I am losing this card, I want to make sure my dismay is heard and my written complaint attached to the person responsible for deciding to deny my renewal.
I will keep this updated.
If you can't prove you have a regular income in Japan which they can seize in case of payment default, what should they give you a credit card ? The risk is too high for them.
For years now, I have 3 CC (2 Visa Sumitomo / 1 MasterCard form DCCard) in Japan with up to 1.3/1/1 million JPY credit on them. Didn't have any trouble to get the 1st one as I send a recommendation letter from my Cie attached to my application form. The others were also a piece of cake, simply because I already had one.
On another note, if you relocated in Canada for good, then you were supposed to give back your Alien card. Because your working situation changed and your working visa, even if not expired yet, is therefore legally voided.
Also, your alien card means nothing. It's valid for 3 years even if you have only a one year working visa. What counts is having a proper working visa.
Regards,
The email thanked me for the Canada credit file (sent by email) and canada tax return. However, they will use the Japanese credit agency. Their judgement is final and I will not get the card renewal.
After I get the refusal letter at the end of this month, I will send a letter to the CEO of Mitui Sumitomo bank to indicate this unfair treatment.
If there are any surprising results happening after that, I will post it here. I consider my 2 years adventure of the Super Flyers Card end here. Without the SuperFlyersCard, and 50% bonus, I will be joining Air Canada for all flights in 2009.
It was fun while it lasted.
Japanese people who live abroad do get a very similar treatment, although I have to partially agree that it would be more difficult for gaijin-sans to retain a credit card...
BUT similar applies to me (who is Japanese) as well if I go to overseas and apply ANY credit card there. I currently live in Australia now and I found that most of the times I needed a permanent residency to start with. They do not even let me apply for one. But I do think it's fair. Because it is fair for them to think I can be a high-risk customer. I can just runaway from the payment if I really wanted to. If I disappear and go back to Japan I doubt that they can track me down unless I go back to Australia thoughtlessly. I don't think they will put such an effort to just track down one person. (I am not saying that I will do such a thing!) This is why foreigners have lower credit card rating.
I do feel empathy about your situation, because if I was desperate to hold an overseas credit card, my situation could be similar to yours. It is also unfortunate that ANA doesn't provide sufficient information on the rules of SFC... but rules are rules. Unless you have a living base in Japan, work in Japan and earn in Japan, you cannot hold a Japanese credit card. ANA/SMBC also mentions that they have the right not to provide continuation of the SFC membership when credit card expires.
(of course some exceptions are present... e.g., lets say when a Japanese salary-man is asked by his boss to work in an overseas office for long term, say 5-10 years he can still retain a card. Because his business head quarter would be based in Japan and it is expected that he will go back to Japan, soon or later. and I guess another way is, as you mentioned, not telling anything about moving to overseas to any financial institutions including bank, credit card company etc.)
If you take an advantage of your foreigner status and not and not pay the bill, it's a criminal offence. You have agreed to pay for the bill when you signed up initially on a legal document. Not only you will lower your credit rating in Japan tremendously, but you will also lower the whole foreigners who want to obtain a credit card in Japan in the future because SMBC and other companies will recognise even more that foreigners are very high risk customers. It certainly wouldn't affect me as I am Japanese, but it would make hundreds and thousands of gaijin-sans around in Japan. So pay your bill.
Now, it is a misconception to assume that students can get a credit card easily "just because they are Japanese".
Student card in Japan is quite unique - in order to apply for a student card in Japan, not to mention that you must be a student... but you also must (in vast majority of cases) get a "permission" from your parents i.e. getting a seal or signature.
I believe that's why international students that you mentioned were able to get a Japanese credit card even if they were in overseas because their parents, who would be living in Japan are ultimately responsible for the children's payment if they fail to pay the bill.
I think this concept arises from the fact that in Japan, students are still considered to be dependents. Usually Japanese parents pay their children's university fees, and give some degree of financial support as well. This is certainly different from the western culture.
Good luck getting satisfaction out of this. Japanese banks are pretty terrible in more ways than issuing credit cards to foreigners, so it's unfortunate you had to go through all this.
So, you may have another option to swith your card to be other brands such as JCB or diners.
http://www.ana.co.jp/amc/reference/elite/spfs2_pop.html
How you can swith is ....
http://www.ana.co.jp/amc/reference/elite/admission/index.html
Sorry, thoese pages are available for Japanese laungage only.
Before the end of August 2008, you can ask ANA to get an application form of ANA-SFC credit card. As well, ask ANA service desk, how you can swith your current ANA-SFC-SMBC credit card to be other's one.
So, after you negotiate with SMBC and if it is not working well, then you can think this way is a second option for you. But again, this is NO guarantee and at your risk. Please note that you cannot have two ANA-SFC cards.
Japanese people who live abroad do get a very similar treatment, although I have to partially agree that it would be more difficult for gaijin-sans to retain a credit card...
If you take an advantage of your foreigner status and not and not pay the bill, it's a criminal offence. Not only you will lower your credit rating in Japan tremendously, but you will also lower the whole foreigners who want to obtain a credit card in Japan in the future because SMBC and other companies will recognise even more that foreigners are very high risk customers. It certainly wouldn't affect me as I am Japanese, but it would make hundreds and thousands of gaijin-sans around in Japan. So pay your bill.
This whole thing was just treated quite clumsily. If they plan to terminate my card which was under good standing (no late payments, almost all times paid in full and the rest I used their installment plans), they should have offer some kind of condolence to smooth the bitterness. They could have offered to lower my credit limit to 100 yen to keep my card. They should have informed me about their decision several months before termination so I can re-evaluate how to maintain my Star Gold status EARLY in the year - not half way though by credited everything to ANA. Had I not ask about it a month earlier, I won't even know. I won't get my termination letter until last week - 1 week after my card terminated. They could have offered a deal that they won't send me a card, but charge me the same annual fee for the Super Flyer status and let me keep my status for long term or for limited time. Had they taken any of the above actions, I would be upset but not the level of anger I feel right now.
Instead, they plan to steamroll over my objections, offer no compromise and try the sneaky sneaky termination by not offering advance warning and send a termination letter after my card expires. The only thing I can do is to complain to their chairman and withhold payment until this is resolved to my satisfaction.
Credit cards are unsecure debt and I doubt it is a criminal offense. At the end of the day, it's only about $US 2000 and it is chuck change for me and for Mitsui. My Resona Bank account has close to $US 5000 there - that's why I asked for a stop payment. If they bother to go through courts and seize my Japanese account, they could eventually recover the money. OR they can just get their Chairman to reply - yep my fantasy.
As I post the same problem in a Chinese forum and ask my western friends about them, I am getting different response. It basically comes down to
1) Suck it up princess
2) Do what is good for you
3) Stick it to the Japanese
Depending on where the responder comes from (foreigner in Japan? Japanese? American? Chinese?), I can guess what their suggestion is likely going to be.
PS: Welcome to Flyertalk Somessho! I am thrilled to have your first post about my problem in this thread
After a hard struggle to get this card 2 years ago. The folks in Sumitomo bank approved this Super Flyers Card to me for a 200,000 yen ($US2000) limit - a small and a little insulting limit.
During the past 2 years, I use on average 2,000,000 yen ($US 20,000) per year and paid my bills on time all the time every month. I paid my in full most of the time every month. There are a few months that I used the "installment" payment function due to big purchases using up my limit.
I relocated to Canada for a government post last year and used their "overseas" help desk to send the statements overseas. My gaijin card is still active, I still come to Japan multiple times a year.
Now my card is expiring (expires August 2008) and I DID NOT get a replacement card last month. I emailed the oversea helpdesk and got a reply from Minori Kawase from the credit control department that "issuing a replacement card is not possible because of judgement from our membership rules". This means, they will let my card expire without giving me a new one.
I am not sure of the real reason and I am definately pissed. I think I need to shake the cage again and make it an issue... Any suggestions??
It doesn't work that way unless you cancel your visa (i.e. leave without a re-entry permit) and then come back in on a new visa. They would just record your new name in the same alien registration record, and write it in as an endorsement on the back of the card.
I even thought about the Working Visa problem. Since I have multiple citizenships in different country (yep Canada allows that), if I need to retun to Japan, I can apply for a working visa using a different citizenship.
Your date of birth and other basic data would be the same. I wouldn't count on this being so opaque.
They also ask you about previous stays in Japan when you apply for a visa, and if you don't disclose that information, you're committing fraud.
Seriously, pay your bill. Not paying your bill is not going to win you any favor within SMBC.
You have a contract with them that allows them to do just that. That they refuse to renew your CC contract doesn't void your obligations for the previous one's !
If you ever come back working in Japan someday, you will have a hard time getting a credit card there.
You may even a hard time getting a working visa next time or even getting
an entry permit if Sumitomo choose to play it hard by bringing legal action against you for default of payment.
Well. I asked for a stop payment for transfer to Sumitomo from Resona Bank and they say Resona Bank say they would do so. I am waiting a reply from their Chairman or a representative from them. Don't think I get anything but after being treated unfairly, boy this feels good. The fact that had I been Japanese (and not Chinese), this would never have happened.
If those Japanese bank actually use my credit file in Canada, I would have been approved long time ago. So if they can't use my Canada credit file, that also means they can't report to it. As for the Japanese credit file, I think it is link to my Foreigner's card and my Foreigner's card is link to my Passport with my old name (ie one without my Christian first name). As my passport expires next year and I get a new one with my Christian first name, I would expect to be a 'whole new person' when I apply for a foreigner's card and thus a whole new Japanese credit file.
I even thought about the Working Visa problem. Since I have multiple citizenships in different country (yep Canada allows that), if I need to retun to Japan, I can apply for a working visa using a different citizenship.
日本にある方が対象です。
https://www.ana.co.jp/wws/us/j/amc/elite/sfc.html
I wonder why ANA USA web site in English page is not showing this regulation but is saying in Japanese laungage.
You should have a bank account in Japan and have to have an address in Japan to receive a replacement card/mails/letters from the credit card company. This regulations also apply to Japanese peoples who are living at outside of Japan, regardless of nationalities.
I gather that the reason why you got a rejection from SMBC was that you used "Overseas help desk" which means you were not having Japan's address. Or did you say SMBC that you moved to Canada?
Anyway, Gaijin card and the number of your visiting to Japan will not work well to get a replacement card.
If you wanted to get a statement, had to forget a paper statement and applied online statement instead of it. Then, you have not needed to use "overseas help desk".
So, I guess you may have very low possibility to get a replacement card.
I seriously doubt that just asking folks at Resona Bank to disallow any transfers/payments to your card will prevent Sumitomo to take the funds due for your last bill. You have a contract with them that allows them to do just that. That they refuse to renew your CC contract doesn't void your obligations for the previous one's !
Even if by some kind of miracle it works, it will only result in your credit rating becoming negative and you being flag as a high risk customer, and therefore :
1/ You probably will never be approved for another Super Flyers card.
2/ If you ever come back working in Japan someday, you will have a hard time getting a credit card there.
3/ You may even a hard time getting a working visa next time or even getting an entry permit if Sumitomo choose to play it hard by bringing legal action against you for default of payment.
I am outside Japan right now so when I get my new passport in Canada, there will be no Japanese stamps. My working Visa expired some time ago. My birthdate is the same but my name would be different.
I am holding out for a response from their chairman or at least from their secretary.
So far, the North American way has failed to get this resolved so I am trying the Chinese way. The Chinese way seems to say that depending on who you know, things get done. Like had I originally opened an account with Mitsui and bought $US 50,000 - $100,000 worth of mutual funds from them, the Chinese way tells me they dare not cancel my card.
The Chinese way seem to tell me that the ends justifies the means. In fact, the Chinese way are willing to sell lead-painted toys to kids to earn a buck and as to fraud... The Chinese send in underage gymnastic athletes to get the Olympic gold, so providing mis-information isn't something new. In fact, I think it is more of providing the right answer to get what you want instead of providing the truth.
I feel kind of conflicted on which cultural method to use. Use the North American method, I feel cheated, bitter and a load of anger. Use the Chinese method, it sure feels better. At least, I know I got a whimpy $2000 for them for terminating my card. This is not so much about $2000 bill, it is about the failure to resolve this problem in a reasonable and satisfying way. Not paying my last bill is the last and only weapon I have against them. In the big scheme of things both their time and mine life, this is a very minor incident.
Oh, and if you truly believe you're treated unfairly because you're Chinese, do you really thing that being the annoying fraudster foreigner will help raise your case ?
By now, I frankly find you pathetic.
Oh and if you entered Japan since November 2007, you have been fingerprinted. But I'm sure that event without that immigration authorities will easily be able to cross-reference you...
Thanks for everyone who posted their advice on this thread. I hope the information posted here can help others who are in similar situation.
Instead of addressing my issues, he would like to email me a membership rules in Japanese and seem to imply that I should read it. He says he will email it to me right away but I haven't recieved it an hour after the call. Maybe it takes 24 hours for their work.
I don't know what kind of technicality they would like to pull on me.
1) I have my still active foreigners card
2) I have my Japanese bank account
3) I have a job income in Canada and is sending them my Japanese tax receipt filed in 2007 and Canada tax receipt file on 2008
4) I have my home address in Japan (they have it on file)
5) I have held this Superflyers card since August 2006 and paid the bill on time ever since.
What excuses are they trying to pull now?
Somehow I think if they on purposely try to terminate you, they will find a reason. Let's see what type of thing they want to pull now.
How I got my SMBC ANA Visa card? I dont know, I never provided them anything regardign proof other than the authoriziation form to pull the payments automatically from my MUFJ account. I had applied for a Muji branded credit card in my first year and I didn't even get a response :P
Anyways I guess I have 3 years of credit history in JApan from my apartment to other bills in my name and thus had a tangible history of ontime payments. Shrug I don't know what to say but reply that yes, as a foreigner it is hard to get a Japanese credit card.
BTW: SMBC does have English speaking people, you just have to get through their phone voice mail system until you can reach an operator, but anything banking related I have someone from my office do it all in Japanese.
Good luck.
I'm not sure what to tell you. I was also rejected for two other cards (one of which was an ANA Visa card: one of several reasons I don't like ANA :mad: )
I finally got my first Japanese credit card two years ago (after having lived in Japan for nine years and just after having bought a house here. I guess they thought if I was good enough to get a home loan then I'm probably safe for a credit card :rolleyes: )
According to Japanese BBS, difficulty will be (Easy) Sony Finance(Elio)
2) You should include copy of your foreign registration card.
3) Banking loan would considered to be negative and lower you credit score.
7) If you are self employee it is also considered negeative in Japan.
Sony Finace is said to be easy to own, but I do not know about their policy for foreigners.
I am listing the things I did differently than my 1st application and hope people will understand how to work the system.
I feel the credit card application is like a test paper, there is a right answer and a wrong answer and the truth doesn't matter.
I have resubmit my ANA Super Flyers Card application (this time for a Sumitomo Mastercard) and see if anything happens. I have taken the advice of some of the posts here.
1) I increased my year of employment in Japan to over 5 years, reported my Japan income only (but included copies of paycheck and payslip from my Hong Kong job and Japan job to show I make much more). I think any application with a less than 2 years working with the same company is an auto-reject.
2) I included copy of my foreigners card. I think foreigners are a red flag even if I have a Chinese name.
3) I also changed my job title to "Network Administrator" instead of "English Teacher". I asked my manager to cooperate. As posted before, English teachers are red flags.
4) This is the key I think. I wrote a letter to ANA along with my application asking them NOT TO REMOVE my proof of income (ie my pay slip) and copy of foreigner's card. This is important because everytime I include my pay slip and other income verification, my cards get approved (ie a bank's credit card and a card loan). But if I just fill in my application and send it in, it fails (like my Resona Bank VISA). I think sometimes, words is not enough, you need proof to back it up. I suspect the customer service person in ANA saw my application and removed my income verification before forwarding it to Sumitomo Bank for processing.
5) Asking the Platinum Desk to include a 'Recommendation' letter or memo to inform Sumitomo Bank that I am a important customer. I did call the Platinum Desk and also included a letter to ANA in my application asking for such recommendation. I think Sumitomo just treat the Super Flyers Card as any other credit card application, but if you have a ANA recommendation for approval letter/memo, your application has more clout. Sumitomo Bank may not trust you, but they trust ANA and trust their recommendation. If you made it to Platinum, then I am sure ANA trusts you as a valued customer already so they shouldn't refuse to help.
I also reapplied a week ago again for the Sony card. I don't think I need it anymore but I will post the results of my application as they come in to tie up the loose ends.
Cheers and thank you all for the information provided.
#If you have any other info about this subject , Please add it free.# |
Catalogado bajo homelessguestb.comedit
