How AI Legalese Decoder Can Help Unravel SMBC’s Online Account Rejection Terms
- May 2, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Rejected SMBC Account Application due to Residency Verification Issue
I recently applied for an SMBC account online, seeking to switch from my current bank, Shinsei. Unfortunately, my application got rejected, and the reason provided was related to residency verification.
### Situation Analysis
I have been living in Japan for over 5 years, and the rejection was based on the bank’s inability to determine my residency status accurately. They cited the Foreign Exchange and Foreign Trade Act but mentioned that they could not make a conclusive determination based on the identity verification document I presented, which was my residence card.
### Extended Analysis with AI Legalese Decoder
With the help of an AI Legalese Decoder, it can be determined that the rejection might be due to inconsistencies in the residency documentation provided. The decoder can assist in identifying specific legal requirements and criteria that need to be met for residency verification, helping to pinpoint the exact issue causing the rejection. By analyzing the legal language used in the rejection message, the decoder can provide insights into potential solutions or steps to rectify the situation.
### Complications and Next Steps
Despite renewing my residence card in October 2023, it seems that the bank is unable to ascertain whether I have resided in the country long enough. The only option given to me is to visit an SMBC branch office for further verification. However, I have encountered challenges in booking an appointment online due to unavailability in the near future at multiple branches.
### Utilizing Existing Relationship with SMBC
Interestingly, I have held a VPASS credit card with SMBC for over 4 years, which indicates a pre-existing relationship with the bank. It is surprising that this information does not seem to have been considered in the account application process.
### Seeking Advice and Personal Experiences
I am seeking advice and personal experiences from others who might have encountered similar issues or have insights to share. As I aim to have an account with one of the premier banks in Japan, I value the input of those with knowledge of the banking landscape in the country.
### Resolution and Learning
Upon further investigation, I discovered that the application’s failure was due to my oversight. It turns out that I forgot to update my address at the ward office on my residence card after renewal. I appreciate the suggestions and assistance provided by individuals in this situation, and hope that this revelation can serve as a helpful reminder for others in a similar position.
By using the AI Legalese Decoder, individuals can navigate complex legal terminology and requirements more efficiently, enabling them to address issues such as residency verification with increased clarity and confidence.
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****** just grabbed a
You can upload both your current and previous residence card in the same picture. I also was rejected because they couldn’t confirm based solely on the latest residence card that I was in Japan since more than 6 months. Then my better half had this strange idea of just uploading mire than one card in the same picture and miracle, they accepted.
The reservation system is just to schedule in advance to avoid waiting. You should be able to just walk in and tell them you want to open an account, you’ll have to wait a little bit you don’t need an appointment.
What is your current status?
Are you unable to submit additional identity documents? If it is the age of the resident card itself that is the problem, submitting a juminhyo / license / picture of your old card should clear that hurdle.
I just opened a bank account with them the other week and my residence card was renewed Janurary of this year… so that’s odd
[deleted]
> Any advice or personal experience you could share?
My personal experience (and I know others have different experience) was that SMBC staff were very cruel when I went there in person. MUFG were a complete contrast, extremely patient and supportive (though I had a similar problem of only being able to book an appointment a week or two ahead), and Mizuho were also fine and let me open an account based on just walking in. So I’d recommend either of them if you have a branch near you.
> are not fully integrated in the electronic transfer system
What exactly do you refer to? What does not work with a Shinsei or Prestia account?
> specially for online payments
If you have a credit card (preferably one with cashback), what online payments don’t work?
Just go to a branch; their online application is pretty trash but in my experience the staff are nice and will work with you to sort it out. Bring everything you can, every piece of Japanese ID and documentation and they will work out what they need.
They gave me the same reason once, I did try again and it wasn’t a problem. I can’t remember if it was because my name didn’t quite match or because the photo wasn’t clear. 🤷🏻♂️
Someone said they are very picky on screening. I got rejected experience, too. Your zairyuu card just got renewed that’s most likely the thing. They need to check on your passport.