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Justin Kimberlake
Joined: 20 May 2008
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 Posted: Wed Jun 04, 2008 5:27 pm Post subject: Denied Secured Card at KB |
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I'm about stay here another year, so I decided I need a credit card, as I have to order transcripts, CBC, and a few other things on-line. I walk into my KB branch, sign up for a Secured card, putting down a 1.0 deposit, then I get a call saying I was denied because my card expires in 2 months. Of course I said, but I need the card so I can stay longer. Apparently they think 2 months is too short a time. I explained that no one would win other than KB if I left Korea, as I paid a 1.0 million deposit. After much trying to explain things to them, I just asked for all my money, and closed my account.
I hear SC or Nonghyup is the most foreign-friendly, is thatright? |
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articulate_ink
Joined: 23 Mar 2004
Location: Left Korea in 2008. Hong Kong now.
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| Posted: Wed Jun 04, 2008 7:14 pm Post subject: |
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| KEB has, or had, secured cards targeted at foreign customers. Give them a try if there's a branch near you. |
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Pyongshin Sangja
Joined: 20 Apr 2003
Location: I love baby!
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| Posted: Wed Jun 04, 2008 7:15 pm Post subject: |
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Samsung Card will give you a credit card.
Unless you're one of those scumbags who works in a hagwon. |
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Tarkaan
Joined: 09 Mar 2008
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| Posted: Wed Jun 04, 2008 7:31 pm Post subject: |
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| Pyongshin Sangja wrote: |
Samsung Card will give you a credit card.
Unless you're one of those scumbags who works in a hagwon. |
My Hagwon owner said he would sign for one if I needed it. |
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wanamin
Joined: 14 Apr 2008
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| Posted: Wed Jun 04, 2008 8:13 pm Post subject: |
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| I was really surprised last week when I got my samsung visa card, and it actually worked. No deposit, co-signers, or anything. I work at a public school, so i dont know if that makes a difference. |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Wed Jun 04, 2008 8:29 pm Post subject: |
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| wanamin wrote: |
| I was really surprised last week when I got my samsung visa card, and it actually worked. No deposit, co-signers, or anything. I work at a public school, so i dont know if that makes a difference. |
It makes a huge difference.
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Mr Crowley
Joined: 23 Mar 2006
Location: Suwon
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| Posted: Thu Jun 05, 2008 12:22 am Post subject: |
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| How much is the is the rate on thse Samsung card ? I don't have any credit cards here, aand I could use one. |
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Adventurer
Joined: 28 Jan 2006
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| Posted: Thu Jun 05, 2008 12:35 am Post subject: |
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| I am lucky that my bank card from the US has the master card logo on it, so I don't have to worry about asking for international ATMs and all since I am still connected to the US banking system. That's what many teachers coming from the US should do - get a bank card that has the logo on it. Last time I was in Canada, they weren't having the logos on them. Maybe, that has changed. I am not sure. |
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TDR
Joined: 07 Feb 2007
Location: Busan
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| Posted: Thu Jun 05, 2008 12:35 am Post subject: |
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| wanamin wrote: |
| I was really surprised last week when I got my samsung visa card, and it actually worked. No deposit, co-signers, or anything. I work at a public school, so i dont know if that makes a difference. |
I just got a Samsung Mastercard this week. Actually, I asked for a Visa and they messed it up. It doesn't matter, it's all the same. I also work in a public school and was quite surprised at how easy it was.
To get the card: call 02 2000 8438 and the person will answer the phone in English. They offer Visa, MasterCard and American Express. I don't remember the rate off of the top of my head but I'll post it when I get the chance. |
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ajuma
Joined: 18 Feb 2003
Location: Anywere but Seoul!!
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| Posted: Thu Jun 05, 2008 2:21 am Post subject: |
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| Mr Crowley wrote: |
| How much is the is the rate on thse Samsung card ? I don't have any credit cards here, aand I could use one. |
If you have them take the money directly out of your account (mandatory, I think), and you have the money in your account to pay the balance, there is no interest payment. If you charge a large amount, the cashier will probably ask you if you want to pay in 1, 2 or 3 installments. If you choose 2 or 3, THAT'S where the interest comes in. Sorry, don't know the rate. |
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Young FRANKenstein
Joined: 02 Oct 2006
Location: Castle Frankenstein (that's FRONKensteen)
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| Posted: Thu Jun 05, 2008 4:46 am Post subject: Re: Denied Secured Card at KB |
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| Justin Kimberlake wrote: |
| I walk into my KB branch, sign up for a Secured card, putting down a 1.0 deposit, then I get a call saying I was denied because my card expires in 2 months. |
1) go to another branch and ask someone who is not an idiot
2) if similar idiocy follows you, go to KEB, Nonghyup, Shinhan, SC, or Samsung and get a card. |
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spliff
Joined: 19 Jan 2004
Location: Khon Kaen, Thailand
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| Posted: Thu Jun 05, 2008 5:07 am Post subject: |
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| ajuma wrote: |
| Mr Crowley wrote: |
| How much is the is the rate on thse Samsung card ? I don't have any credit cards here, aand I could use one. |
If you have them take the money directly out of your account (mandatory, I think), and you have the money in your account to pay the balance, there is no interest payment. If you charge a large amount, the cashier will probably ask you if you want to pay in 1, 2 or 3 installments. If you choose 2 or 3, THAT'S where the interest comes in. Sorry, don't know the rate. |
Actually, there is no interest for "1,2 or 3 months". At least I've never been charged any. Samsung card is great, no need to deal w/ dirty money. It's cash w/out the need to carry any.  |
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Young FRANKenstein
Joined: 02 Oct 2006
Location: Castle Frankenstein (that's FRONKensteen)
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| Posted: Thu Jun 05, 2008 10:01 am Post subject: |
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| spliff wrote: |
| ajuma wrote: |
| If you charge a large amount, the cashier will probably ask you if you want to pay in 1, 2 or 3 installments. If you choose 2 or 3, THAT'S where the interest comes in. Sorry, don't know the rate. |
Actually, there is no interest for "1,2 or 3 months". At least I've never been charged any. |
Check your statements again. The charges are not evenly split over the multiple payments. They DO charge you extra for the service of splitting the payment. I went in a couple months back and paid my bill in full... the payments I had on my computer and airfare home were being paid off about 6 months earlier than scheduled, so they had to recalculate what I owed. I saved a little bit on the interest they were charging me over those 6 months. |
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