Getting a credit card in racist Japan

Japan is a country where racial discrimination is so commonplace that it makes news headlines when people are not racially discriminated against, such as when a Japanese company hires foreigners or a local government body allows foreigners to take the tests for working there. For us white westerners, it works both ways though. But one place where it really hits you (besides trying to find a landlord that will let you live in his apartment) is when it comes to getting a credit card.

I’ve been living in Japan for more than 4½ years now and tried many times to get one, always to be turned down. This especially includes applying for ones from my bank, Shinsei Bank, that I’ve used exclusively for all my time in Japan, and where I now have “platinum” status, meaning that I have many million yen entrusted at their bank, a significant part of which is in risky assests where they make a lot of profit. So they clearly rank me as one of their best customers, and I’m clearly bound to keep significant assets in their bank for the immediate future (so I cannot just “escape”), but still turn me down every time I apply for a credit card. Why is that?

Being turned down for a VISA credit card by my Japanese bank

Being turned down for a VISA credit card by my Japanese bank

When I visited one of Shinsei’s branch offices recently for a completely different, but somewhat time-consuming and complicated issue, I got to talk quite a lot with one of the staff there. As I have “platinum” status, they treat me quite well too, not hurriedly at all. This was one of the branches where a lot of foreigners visit, and she seemed quite used to working with foreigners, although we spoke only in Japanese. So at the end she asked if there was something else I’d like to inquire about, and I asked something along the lines of why do you turn my credit card applications down all the time, despite me being a “platinum” level customer and having millions of yen in your bank?. And surprisingly, she did have a good answer for that, not just the usual appologies.

The reason, it seems, why Shinsei Bank (which is, by the way, founded by a foreigner based on foreign capital) systematically turns down foreigners’ credit card applications is that the company that is contracted to handle credit cards for the bank doesn’t have any support line in English. Since we’d just been having a conversation about quite complicated banking matters in Japanese for half an hour, that reason obviously seemed very silly at that point. Still, that’s why. And since Japan doesn’t have any laws against racial discrimination, systematically turning down anyone with a foreign-sounding name (they don’t actually check your nationality) is just fine here.

Anyhow, at long last I went to Citibank to beg for a credit card there, since I’ve heard they’re more open to foreigners’ business. Considering the bank would have gone bankrupt if it hadn’t been bailed out by the US government, it’s not exactly my primary choice for doing banking, but anyway. And they gave me a credit card within less than a week, with a 1 million yen limit, which I think is very high. And unlike Shinsei Bank where I have the highest available “platinum” status, that was the first time I walked in to a Citibank office. I have no prior history with them at all. And they still gave me a pretty sweet credit card.

Finally got a Japanese credit card.

Finally got a Japanese credit card.

So what is the conclusion from all this? Go to Citibank. It seems Shinsei Bank and Citibank are the two somewhat modern banks in Japan, with Shinsei being about 10 years behind the average Swedish bank instead of the Japanese average of 50 years behind. Citibanks seems just as (comparatively) moderen. Shinsei seemed very foreigner-friendly when I opened an account there, but in the end they certainly do practice discrimination against foreigners, so I must say that I regret my decision – I should have gone with Citibank instead. That is the best advice I can give to anyone non-Japanese who’s getting a bank account and/or credit card in Japan.


Good-bye Binero, hello DreamHost!

For many years now I have been hosting this site henrikfalck.com as well as all the other more or less useful web sites that I run at a company that was called Aleborg Solutions when I started using it, but is now known as Binero. They came highly recommended among web hosting services in Sweden at the time when I signed up with them.

However, as things have changed I have now decided to move all my web activities over to the humongous and well known DreamHost hosting service. Moving it all has been extraordinarily boring, but at least it’s finished now so I can concentrate on making new, fun stuff for the web instead of worrying about my hosting, since I’ve known for about a month that I had to make this move. This three day weekend provided a good opportunity to move things over in stages to prevent a total meltdown of all my sites at the same time (which happened quite a lot when I hosted with Binero). That last remark brings me to why I’m changing to DreamHost. These are the reasons:

1. A more stable hosting service. Binero used to be very good and all, but at some point they just started sucking. This peaked last month when I found all my sites being broken due to changes made by Binero (without informing me in advance) three times in one month. That is just a bit too often for me to tolerate. I’ve had my sites broken by Binero in the past too, but not that often. And once it took them two weeks to fix a simple problem introduced by one of their changes, by which time I had of course already worked around the it.

Binero’s tech support has always been very quick to respond, but usually had some snide, unnecessary remark in the response as well, and usually blamed me for problems caused by them randomly changing stuff. I’ve been a customer with them for a long time, so even if they’ve been telling new customers how to set things up correctly for the last five years, that doesn’t mean I know it automatically without them telling me about it. It’s not good when being a loyal customer is used against you. So I definitely can’t recommend Binero to anyone who’s thinking about getting web hosting somewhere.

Lately they’ve started hyping a new system they call Binero 2.0, which is exactly what I don’t want – even more changes, bound to break stuff if I know Binero correctly. On the other hand, the sysadmin at work has had sites running at DreamHost for many years without any breakage or changes. That kind of stability is what I want. I also like DreamHost’s attitude that you can essentially do whatever you want as long as it’s not a security risk or malicious. Binero on the other hand disabled sftp (encrypted) access, allowing only ftp (unencrypted) access for security reasons, according to their tech support. That is about as stupid as it gets. Besides, they also disabled ssh shell access (of course, unannounced), which is a pain in the ass when you need to fix something quickly, besides being just silly.

2. Better located hosting for faster response times. When I started making web sites I lived in Sweden and most people who accessed the sites were in that area as well, so it made sense to use Sweden-based hosting. Now, however, I live in Japan and most of the people accessing my sites (whatlanguageisthis.com is by far the most accessed one now) are in North America, Japan, or India, as well as from all over Europe with no country in particular standing out. My ping time to my sites on Binero’s servers was 300 ms, but DreamHost has 125 ms ping, which is a very noticeable improvement. DreamHost’s servers are located in California, which is the center of the physical Internet, unlike Sweden, which is about as far out on the fringe as you can get except Russia and Africa. (For example, Internet traffic from Japan to Sweden goes via the US, not via Russia, and all Asian countries are connected via the US west coast.)

3. Get away from Sweden due to FRA. If you don’t know what FRA (“National Defence Radio Establishment”) is, would you believe me if I said that the Swedish government/military intercepts all Internet traffic crossing the border? Hopefully you wouldn’t, since you’re thinking that Sweden is a nice, modern, democratic society that doesn’t need to spy on its citizens nor the Russians, since the Cold War is over by now. Unfortunately, that’s what they’re doing, and Sweden seems to be moving in the wrong direction in many other ways too now when it comes to information privacy. Not nice. Since I’m in Japan, and stupid Binero didn’t allow encrypted access, that meant the FRA could intercept anything I uploaded to my sites. Not that I would upload something sensitive without encrypting it first, but still, it’s just silly. The US is a better place to host web sites, so score one more for DreamHost.

Anyway, that’s the end of this rant. Finally the move is over, and I’m looking forward to not having to wake up and find my sites being broken much often any more. I’ll also be writing more interesting stuff on this blog now that I’ve finished both the moves to a better blogging platform (WordPress instead of Blogger) and hosting service (DreamHost instead of Binero). No need to procrastinate any further now that the boring stuff is done.


The Good, The Bad, And Wikipedia

Wikipedia’s role on the web has been worrying me lately. Not that Wikipedia in itself is in any way particularly bad, but its influence on the web as a whole has some problems.

In the olden days, finding information on the web was hard, and good link directories were worth their bytes in gold, and good content was worth even more. Nowadays we have good search engines, thanks to Google, and lots of good content (and lots of bad content too, but that’s not really a problem).


Wikipedia is one source of good content on the web. But it’s not the only one – it’s just the most obvious one in many cases. My problem with Wikipedia is mainly how people link to it. Here’s an example:

 × I like to feed the pigeons. I sometimes feed the sparrows too.

This I’d like to claim is by far the most common way of referring to Wikipedia. What’s wrong with it?

  1. If your reader doesn’t know what a pigeon or sparrow is, it’s 99.9% certain that’s because the reader isn’t very good at English. In this case, if anything, every word ought to be linked to a dictionary, but that wouldn’t be very useful except for 0.1% of your readers. They should know how to look up words themselves if they’re not proficient in the language of the text they’re reading, don’t you think?

  2. If your reader suddenly becomes very interested in pigeons or sparrows by reading your text, I’m sure one of the first places your reader would look for informations on said birds is Wikipedia. There is no need to point people to Wikipedia, because everyone knows how to find Wikipedia articles anyway. In Firefox, just type “wikipedia pigeon” in the address bar, and you’ll get redirected to the page. In other browsers, go to google.com and type it in and press “I’m feeling lucky”. It’s real easy.
  3. The reader might think that you’re linking to some really interesting tidbit about pigeons or sparrows, or maybe a funny Youtube video. But to find out, the reader has to mouse over the links and check the status bar where they point. Only to find out they just point to the Wikipedia entries, which the reader could easily have found without your assistance. This makes reading cumbersome.
  4. It degrades the quality of interlinking on the web. All you’re doing is helping Wikipedia get a higher PageRank – and their PageRank is already as high as it can get. You’re not helping the guy who has spent serious time documenting pigeons and sparrows and runs a really interesting web site on the subject that your readers may actually enjoy if you had only taken the time to find and link to it – like in the old days.

In the example above, it’d be easy to argue that “pigeons” and “sparrows” don’t need to be linked at all. But this is how thoughtlessly people use hyperlinks. So let’s change the example to something similar yet where hyperlinking a word might be more appropriate:

 × But the pronunciation doesn’t change since the word is a dvandva.

I bet you don’t know what a dvandva is. It doesn’t matter here anyway since I’m just using it as an example but I’m sure you’ve already went and read the Wikipedia article. :-) The Wikipedia entry comes out first on Google for a search on “dvandva”. Why? Probably because of hyperlinks like the above example. But the article sucks. Here’s an example of good use of hyperlinking:

  But the pronunciation doesn’t change since the word is a dvandva.

The target of this link is a paper written at a university regarding dvandvas in Japanese. Of course, if the context isn’t about Japanese then it might not be the best link target, but I’m sure there are more good articles about dvandvas. I thought that paper was da proverbial bomb. Really good reading. That’s why I link to it – to encourage my readers to read it, and to promote it in the search rankings. (Of course this is hypothetical since I’m actually writing about something else right now but if I were writing about dvandvas…)

It takes time to find good link targets – but please take the time! For your own, your readers’, and the authors’ of those link targets sake. And for the future of the Internet.


Note that I am not opposed to linking to Wikipedia completely. If the Wikipedia article on a subject really is the best piece of information on it on the whole web, and the subject demands a hyperlink in order to be understood by most people, then indeed it’s the corresponding Wikipedia article you should link to.

Also of course when discussing Wikipedia itself it is highly appropriate to link to Wikipedia sources. But even in this case, I see it go wrong, for instance like this:

 × Wikipedia recently started adding the “” attribute to outgoing links.

That “nofollow” link to the Wikipedia article on the “nofollow” attribute violates the point outlined above in the same way “pigeons” did. Here’s a better way of linking it:

  Wikipedia recently started adding the “nofollow” attribute to outgoing links.

which links to Wikipedia’s meta wiki describing the policy. That’s a good way of linking to Wikipedia. Here’s an even better way of doing it:

  Wikipedia recently started adding the “nofollow” attribute to outgoing links.

That links to the most interesting text on the subject that I could find in a couple of minutes. I’ll gladly share that good piece of writing on this subject with you – that’s why I link to it.


Lastly, I’d like to mention that I think said Wikipedia policy of adding the “nofollow” attribute to outgoing links on Wikipedia is stupid and bad. I think that if you read my above argumentation, you’ll see why I think that. People are linking to Wikipedia en masse for no good reason, bloating its PageRank and diminishing the chance of other, better, sources of information to get found. If at least being cited in a Wikipedia entry boosted the PageRank of the source, then the chance of someone finding it would improve just a little. Not to mention it would be fair. The paper on dvandva above and Ed Felten’s blog entry deserve that.

[No interwebs were hurt in the writing of this blog post; all links to Wikipedia have the "nofollow" attribute set.]