Using a credit card here in South Korea is more than just having “cash-less” convenience. Purchases using a credit card is directly connected to the tax system which counts your tax incentives at the end of the fiscal year. Hubby and I didn’t feel the need for me to have my own credit card here in Seoul until we recently noticed the amount we spend for cash purchases.
As F-3 visa holders (dependent family visa), we cannot apply for a credit card on our own. We do not have employment record to show and to support the application. My husband, who is an E7 visa holder, should apply for me under his account. My husband was asked to submit a marriage certificate as one of the documentary requirements. We submitted our marriage certificate. And it wasn’t accepted!
An F-3 visa holder should get a Certificate of Alien Registration from the nearest Immigration Center. This certification should show your relationship with your husband. Only then will the bank issue a credit card under the F-3 visa holder’s name (but still under the account of the husband).
Another way is for the husband to apply for two credit cards under his name (one for his use and the other one for the dependent’s use). This advice came from the bank itself. Surprise! Unlike in the Philippines where strict compliance to the cardholder’s identity is implemented, credit card holders here in South Korea aren’t subjected to such scrutiny. This proves to be convenient here but it doesn’t mean that this would also work well in the Philippines. I think, the strict monitoring of credit card purchases should be maintained in the Philippines.
I sometimes use my husband’s credit card and sign on his behalf. This encouraged me not to go out of my way to go to the Immigration for the certification. Either of the two ways above, at least an F-3 visa holder’s purchases are directly recorded to the tax credits of the E-7 holder. Cash purchases can be credited, too, but this would entail reciting your tax number to the cashier for every cash purchase you make. Now, that would be too inconvenient.