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Weigookin74
Joined: 26 Oct 2009
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 Posted: Mon May 16, 2011 9:30 pm Post subject: |
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| PatrickGHBusan wrote: |
Bascially, the OP should contact customer service for the company.
That would have been my first move after asking to speak with the manager.
As for the foreigners running up bills and leaving them unpaid....my wife's cousin works for a telecom company as a supervisor. He is in charge of a few stores that sell Iphones and cells. Well they did have problems with foreigners (not just teachers) pulling the high bill and ditch method. At a few stores this became an endemic problem.
I personally think that if I ran one of those places, I would require a deposit from any customer that was not either a citizen or a resident.
That is simple prevention policy and it is applied in many places. The deposit can also be scaled to the situation so that a foreigner who has been in Korea for years and has a financial history with a telecom service company could get a deposit waiver for example.
Again, this is done in many places. |
As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
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Weigookin74
Joined: 26 Oct 2009
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| Posted: Mon May 16, 2011 9:37 pm Post subject: |
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| What is the deal with getting an iphone here? If you get a 2 year contract what are your costs? Can you get it with SK? |
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crossmr
Joined: 22 Nov 2008
Location: Hwayangdong, Seoul
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| Posted: Mon May 16, 2011 11:18 pm Post subject: |
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| Weigookin74 wrote: |
| PatrickGHBusan wrote: |
Bascially, the OP should contact customer service for the company.
That would have been my first move after asking to speak with the manager.
As for the foreigners running up bills and leaving them unpaid....my wife's cousin works for a telecom company as a supervisor. He is in charge of a few stores that sell Iphones and cells. Well they did have problems with foreigners (not just teachers) pulling the high bill and ditch method. At a few stores this became an endemic problem.
I personally think that if I ran one of those places, I would require a deposit from any customer that was not either a citizen or a resident.
That is simple prevention policy and it is applied in many places. The deposit can also be scaled to the situation so that a foreigner who has been in Korea for years and has a financial history with a telecom service company could get a deposit waiver for example.
Again, this is done in many places. |
As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
E-2/1/7s are only 1 year visas. The fresh off the boat one looks the same as the one who has been here for 5 years.
| Quote: |
| What is the deal with getting an iphone here? If you get a 2 year contract what are your costs? Can you get it with SK? |
with KT you pay about 55k for a plan, and 20k for a phone each month. I would assume SKs is similar. |
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TheUrbanMyth
Joined: 28 Jan 2003
Location: Retired
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| Posted: Mon May 16, 2011 11:58 pm Post subject: |
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| Weigookin74 wrote: |
[
As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
And just how are clerks/staff going to know the difference between someone who's been here a few years as opposed to FOB? |
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PatrickGHBusan
Joined: 24 Jun 2008
Location: Busan (1997-2008) Canada 2008 -
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| Posted: Tue May 17, 2011 3:22 am Post subject: |
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weigookin74,
With all due respect, a person on an E2 visa is in Korea on short term 1 year visa. To a service provider (credit, telecom..) this means a transient short term foreign worker who will leave after one year. They usually will not differenciate between E2 #1 who is here for a year and will leave and E2 #2 who has been in Korea for 4 years.
This is too bad, I agree with you there. Still, I can see why a company (any company) would do that. Like I said, some sort of scaled deposit system could work in such a case if the foreign client can demonstrate good credit and local financial assets. |
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big_fella1
Joined: 08 Dec 2005
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| Posted: Tue May 17, 2011 6:05 am Post subject: |
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| TheUrbanMyth wrote: |
| Weigookin74 wrote: |
[
As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
And just how are clerks/staff going to know the difference between someone who's been here a few years as opposed to FOB? |
To address your earlier inquiry, I cannot find the figures I was referring to on the lower incidence of foreigners defaults so I withdraw the comment. I was working for an economics consulting company when I saw the data and I assume it was from a subscriber only service. Sorry.
However when you consider that in 2001-2002 in Korea millions of people defaulted on their credit cards and the lack of availability of credit to foreigners these figures are not hard to believe.
Regarding how they can tell the difference between a fresh of the boat person and one who has been here a few years methods include: doing a credit check; seeing a drivers licence; seeing an apartment lease, checking if the person has been a customer of the company before, or looking at a passport.
If you hold permanent residency, an F5 visa, you cannot be refused on grounds of being foreign and the human rights commission and the law will back you up on this. On other visas you are dependent on common sense occurring.
To the person having problems in the US I feel for you, unfortunately I have enough trouble fighting with Korean and Australian bureaucracy to help, but I wish you all the best. |
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crossmr
Joined: 22 Nov 2008
Location: Hwayangdong, Seoul
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| Posted: Tue May 17, 2011 6:33 am Post subject: |
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| doing a credit check; seeing a drivers licence; seeing an apartment lease, checking if the person has been a customer of the company before, or looking at a passport. |
I don't think foreigners can get credit like that.
None of the rest of it is proof that you'll be here past the end of your next contract date.
It's not like people who have been here 4 or 5 years never leave. |
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PatrickGHBusan
Joined: 24 Jun 2008
Location: Busan (1997-2008) Canada 2008 -
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| Posted: Tue May 17, 2011 9:03 am Post subject: |
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| Quote: |
| Regarding how they can tell the difference between a fresh of the boat person and one who has been here a few years methods include: doing a credit check; seeing a drivers licence; seeing an apartment lease, checking if the person has been a customer of the company before, or looking at a passport. |
These are all good methods to check on a local.
For a foreigner the drivers liscence will be largely irrelevant, the appartment lease is usually in the schools name as it provides housing or a housing allowance, passport can also say nothing in regards to residence.
The credit check can be valid IF the foreigner has a credit history in Korea (has local credit and uses it responsibly).
Being a customer of the company for a while is the only way that a provider could measure its risk vs a foreign customer. |
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Steelrails
Joined: 12 Mar 2009
Location: Earth, Solar System
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| Posted: Tue May 17, 2011 2:52 pm Post subject: |
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| big_fella1 wrote: |
| Regarding how they can tell the difference between a fresh of the boat person and one who has been here a few years methods include: doing a credit check; seeing a drivers licence; seeing an apartment lease, checking if the person has been a customer of the company before, or looking at a passport. |
I believe things like those should be the responsibility of the customer to bring into the store when applying, not the responsibility of the store to go out and dig up. |
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TheUrbanMyth
Joined: 28 Jan 2003
Location: Retired
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| Posted: Tue May 17, 2011 5:15 pm Post subject: |
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| big_fella1 wrote: |
| TheUrbanMyth wrote: |
| Weigookin74 wrote: |
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As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
And just how are clerks/staff going to know the difference between someone who's been here a few years as opposed to FOB? |
To address your earlier inquiry, I cannot find the figures I was referring to on the lower incidence of foreigners defaults so I withdraw the comment. I was working for an economics consulting company when I saw the data and I assume it was from a subscriber only service. Sorry.
However when you consider that in 2001-2002 in Korea millions of people defaulted on their credit cards and the lack of availability of credit to foreigners these figures are not hard to believe.
. |
Lack of availability to foreigners? As of March 2008 nearly 300,000 foreigners had credit cards...now in 2011 the number is surely higher now.
http://www.koreatimes.co.kr/www/news/biz/2011/04/123_23141.html |
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big_fella1
Joined: 08 Dec 2005
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| Posted: Tue May 17, 2011 6:00 pm Post subject: |
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| TheUrbanMyth wrote: |
| big_fella1 wrote: |
| TheUrbanMyth wrote: |
| Weigookin74 wrote: |
[
As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
And just how are clerks/staff going to know the difference between someone who's been here a few years as opposed to FOB? |
To address your earlier inquiry, I cannot find the figures I was referring to on the lower incidence of foreigners defaults so I withdraw the comment. I was working for an economics consulting company when I saw the data and I assume it was from a subscriber only service. Sorry.
However when you consider that in 2001-2002 in Korea millions of people defaulted on their credit cards and the lack of availability of credit to foreigners these figures are not hard to believe.
. |
Lack of availability to foreigners? As of March 2008 nearly 300,000 foreigners had credit cards...now in 2011 the number is surely higher now.
http://www.koreatimes.co.kr/www/news/biz/2011/04/123_23141.html |
Thanks for the article link but it is irrelevent as it groups credit and debit cards as well as possibly family cards. I hold 4 debit cards 1 credit card and 2 family cards. Does this make me 7 people?
The point is there are very good reasons to refuse people credit. Being foreign is not one of them. |
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Adam Carolla
Joined: 26 Feb 2010
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| Posted: Tue May 17, 2011 8:27 pm Post subject: |
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| big_fella1 wrote: |
| TheUrbanMyth wrote: |
| big_fella1 wrote: |
| TheUrbanMyth wrote: |
| Weigookin74 wrote: |
[
As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
And just how are clerks/staff going to know the difference between someone who's been here a few years as opposed to FOB? |
To address your earlier inquiry, I cannot find the figures I was referring to on the lower incidence of foreigners defaults so I withdraw the comment. I was working for an economics consulting company when I saw the data and I assume it was from a subscriber only service. Sorry.
However when you consider that in 2001-2002 in Korea millions of people defaulted on their credit cards and the lack of availability of credit to foreigners these figures are not hard to believe.
. |
Lack of availability to foreigners? As of March 2008 nearly 300,000 foreigners had credit cards...now in 2011 the number is surely higher now.
http://www.koreatimes.co.kr/www/news/biz/2011/04/123_23141.html |
Thanks for the article link but it is irrelevent as it groups credit and debit cards as well as possibly family cards. I hold 4 debit cards 1 credit card and 2 family cards. Does this make me 7 people?
The point is there are very good reasons to refuse people credit. Being foreign is not one of them. |
There's still the issue of flight risk. And before you say "Koreans can leave the country too" I will counter with, yes, it's possible, but more than likely statistically negligible. After all, how many, let's just say Americans, flee the country over unpaid phone bills? My guess is very few.
And again, debt collectors have a much easier time squeezing money out of somebody in the same country. There is honestly nothing to see here people. |
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crossmr
Joined: 22 Nov 2008
Location: Hwayangdong, Seoul
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| Posted: Tue May 17, 2011 11:26 pm Post subject: |
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| TheUrbanMyth wrote: |
| big_fella1 wrote: |
| TheUrbanMyth wrote: |
| Weigookin74 wrote: |
[
As I just said, treat foriegners who have been here for a few years differently than those who just got off the plane, so to speak. Don't use some stupid lazy a$$ blanket policy to cover us all. Those of us who have been here for years are less likely to pull a runner. |
And just how are clerks/staff going to know the difference between someone who's been here a few years as opposed to FOB? |
To address your earlier inquiry, I cannot find the figures I was referring to on the lower incidence of foreigners defaults so I withdraw the comment. I was working for an economics consulting company when I saw the data and I assume it was from a subscriber only service. Sorry.
However when you consider that in 2001-2002 in Korea millions of people defaulted on their credit cards and the lack of availability of credit to foreigners these figures are not hard to believe.
. |
Lack of availability to foreigners? As of March 2008 nearly 300,000 foreigners had credit cards...now in 2011 the number is surely higher now.
http://www.koreatimes.co.kr/www/news/biz/2011/04/123_23141.html |
ambiguous wording. How many of those are genuine credit cards as we'd view them? Ones where you can actually carry a balance? |
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PatrickGHBusan
Joined: 24 Jun 2008
Location: Busan (1997-2008) Canada 2008 -
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| Posted: Wed May 18, 2011 3:24 am Post subject: |
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| Quote: |
| The point is there are very good reasons to refuse people credit. Being foreign is not one of them. |
You are right and you are wrong.
There are very good reasons to refuse people credit.
Being a foreigner can be a good reason to refuse credit because of risk (for the financial institution) due to the status of said foreigner. Credit issuing instutions the world over are risk adverse. They look at a potential customer as a risk level, period. They then assess their risk (this can be unfair to some people) and decide wether to approve credit to a person, at what level, at what interest rate and under which conditions.
To them an E2 foreign teacher is a medium to high risk as this is a foreign worker on a short term 1 year visa with few to no assets (in general terms). It would be up to each foreign customer to prove his credit reliability if he wants to lessen the perceived risk for the institution. Its not racism, its risk evaluation and it can lead to people feeling like they got shafted. |
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Steelrails
Joined: 12 Mar 2009
Location: Earth, Solar System
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| Posted: Wed May 18, 2011 5:11 am Post subject: |
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| Amazing that people on this thread, some of whom are here now due to bad credit practices back home, advocate a "generous credit" approach. Of course go on some Current Events thread and some of these people would be blasting the banks and government officials that encouraged "loose money". |
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