Friday, February 05, 2010

Credit cards and foreigners in Taiwan, an endless battle no more

"I earn more than NT$100,000 every month and my wife just stays at home collecting my money, yet, no banks would issue me a credit card while my wife has 3 platinum cards in her wallet" Sounds familiar? Being an outsider, one of the obstacles in finance is that no bank would issue you a credit card even if you can find guarantors to endorse for you, unless you are a manager in a big company. Well, except for asking your wife/friends to pay for you when it's needed, you do have other choices in Taiwan.

In Taiwan, ATM cards all have a chip embeded in the front of a card and a magnetic stripe on the back. When withdrawing domestically, ATMs verify the pin, 6-12 digits, you've typed in with the info in the chip; when withdrawing overseas, such verification, 4 digits pin, goes through the magnetic stripe on the back of the card. A Visa ATM Debit card replaces the ATM magnetic stripe with a VISA magnetic stripe, a card that serves as an ATM card as well as a VISA card. Like any VISA credit cards, a VISA ATM Debit card can be used in any VISA merchants both domestically (Taiwan) and in foreign counties. It works as a debit card, the balance is directly deducted from your bank account and there is no delay in payment functions.

There are 15 Banks in Taiwan issue VISA ATM debit cards, including Chinatrust Bank, Taichung Commercial Bank, Taipei Fubon Bank, Taishin Bank, Taiwan Business Bank, Shin Kong Bank, Taiwan Cooperative Bank, Mega Interbational Commercial Bank, First Commercial Bank, Hua Nan Commercial Bank, Cathay United Bank, Union Bank of Taiwan, Standard Chartered Bank, HSBC and the post office. Anyone who opens a savings account is eligible to apply for a VISA ATM Debit card, including foreigners.

Currently, only 6 banks allow internet online use, they are: Taishin Bank, Hua Nan Commercial Bank, Chinatrust Bank, Standard Chartered Bank, Taiwan Business Bank and Cathay United Bank. You should find your name, dates of validity and expiry, as well as 2 account numbers, your savings and VISA numbers embossed on the cards that are issued by those 6 banks. On the others, you will find no embossing nor your name, but a statement "Electronic Use Only" on the front of the cards.

Since the ATM magnetic stripe is now a VISA stripe in a VISA ATM debit card, when withdrawing overseas, it is considered as "borrowing" cash from VISA. Therefore, except for paying an international withdraw processing fee to the bank, a VISA international exchange settlement surcharge will be added on top of your withdrawl.

244 comments:

«Oldest   ‹Older   201 – 244 of 244
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Anna said...

Solo quiero compartir mi experiencia con todos. He oído hablar de esta tarjeta de cajero automático en blanco durante un tiempo y nunca pagué intereses por ella debido a mis dudas. Hasta que un día descubrí un tipo de piratería llamado (servicio de efectivo). muy buenos en lo que hacen. Volviendo al tema, les pregunté sobre la tarjeta de cajero automático en blanco. Si funciona o incluso existe. Me dijeron que sí y que es una tarjeta programada para que el dinero se retire de forma aleatoria sin que nadie se dé cuenta y también se puede utilizar para compras online gratuitas de cualquier tipo. Esto fue impactante y todavía tenía mis dudas. Así que me di una oportunidad y pedí la tarjeta y acepté sus términos y condiciones. Esperando y rezando que no fuera una estafa. Una semana después recibí mi tarjeta y probé el cajero automático más cercano a mí, funcionó como magia. Pude retirar hasta $ 1,500. Este fue increíble y el día más feliz de mi vida. Hasta ahora he podido retirar hasta $ 72,000 sin el estrés de que me atrapen. No sé por qué estoy publicando esto aquí, me dio la sensación de que esto podría ayudar a aquellos de nosotros que necesitamos estabilidad financiera. cajero automático en blanco realmente ha cambiado mi vida. Si desea contactarlos a través de worldmillionairescashserivces@gmail.com o envíenos mensajes por whatsapp. +13145488830

Unknown said...

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We have specially programmed BLANK ATM CARDS that can be used to hack any ATM machine, this ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this BLANK CARDS to all our customers and interested buyers worldwide, the BLANK CARDS has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you in need of any other cyber hacking services, we are here for you at any time any day.


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Williams Morgan said...

INSTEAD OF BITCOIN INVESTMENT SCAM WHY DON'T YOU CONTACT MR OSCAR FOR A REAL BLANK ATM CARD
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My name is Morgan Williams am from Alabama United State,this is so real and wonderful, at first i thought is a scam , because have been scam by several people claiming they can help me invest my money in bitcoin trading , that is how i lost my $25,000 last week on investment , but with the help of Mr Oscar White Blank ATM Card oscarwhitehackersworld@gmail.com , i was able to withdraw $50,000 from ATM machine without trace more than the money i lost last week , indeed Mr Oscar your Blank ATM card is real and genuine , i will keep telling people about you as i promise to do , if you are in any financial problem to pay up bills and start up a new life , kindly contact Mr Oscar white on how you can obtain his Blank ATM card , he does not charge big , trust him and contact him today through email oscarwhitehackersworld@gmail.com or whats-app +1(513)-299-8247.

perez turner said...



GET RICH WITH THE USE OF BLANK ATM CARD FROM
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Has anyone here heard about blank ATM card? An ATM card that allows you to withdraw cash from any Atm machine in the world. No name required, no address required and no bank account required. The Atm card is already programmed to dispense cash from any Atm machine worldwide. I heard about this Atm card online but at first i didn't pay attention to it because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from guarantee Atm card vendor. We both went to the ATM machine center and confirmed it really works, without delay i gave it a go. Ever since then I’ve been withdrawing $1,500 to $5000 daily from the blank ATM card & this card has really changed my life financially. I just bought an expensive car and am planning to get a house. For those interested in making quick money should contact them on: Email address : besthackersworld58@gmail.com or WhatsApp him on +1(323)-723-2568

patricia cox said...

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Miss lummom said...

I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting { rickatmcardoffer@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: rickatmcardoffer@gmail.com} 

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