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>> difficulty for foreigner to apply for a credit card from local banks
Most of the local banks do not have a problem if your payroll account is with them. Your bank in particular seems to be the worst of the lot when it comes to extending credit to expats (anyways, that was my experience 11 years ago) and lately has been extremely uncooperative in the business area with us too.
What might actually work, instead of providing all these silly gimicks, is if banks actually stopped using outrageous rates for overseas transactions. Earn your money the good old fashioned way on the interest and not on the exchange rates.
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