I reached Platinum with ANA a month ago and I tried to apply for the ANA Super Flyers Card. I recieved the Super Flyers Card Application and filled in the application. I applied for Sumitomo Bank's VISA (normal one, not gold) but got a rejection letter today.

I was not given a reason on why it was rejected, so I am asking for advice from those who sucessfully got approved for this card.

I plan to resubmit my application and I wonder if there are any improvements I can make to make my application sucessful this time around.

Due to advice from my co-workers, I did on purposely put some white lies on the application this time. They are the following:

1) I wrote that my income was at 7.5 million yen a year, but only 3 million yen is income from English Teaching in Japan. (I did include 6 months of copies of Japan's pay slip and 6 months worth of copies of Pay-check from Hong Kong in my application) I am not sure if term 'income' means Japanese income only but not anything outside of Japan or if I was flagged as they assume I am lying.

2) I am not Japanese. I have a foreigners card but I only provided a copy of my Japanese driver license and Japan National Health Insurance for my application. I don't know if this is a problem and they want a copy of my foreigner's card.

3) I have been working in Japan continuouly for close to a year but I put down 2 years. I don't know if that is not long enough or if I should put the truth. I heard foreigners (even Chinese ethnicity with Chinese names) cannot get a credit card for the first few years they are in Japan.

4) I do have a bank loan of 300,000 Yen ($US 3000), but I didn't indicated that on my application since I have approximately the same amount in my Hong Kong Bank Account. I thought it would hurt my application had I included it.

5) I place my Chinese name (with Katakana on top to explan how it is read) on my application, but all my Japanese documents have romanized characters of my Chinese name. My pay-slip uses my Christain first name instead of my Chinese legal name. I wonder if they thought it was a identity fraud and flagged me.

6) I have 2 bank accounts but I placed a newly opened one on the application for automatic payment and I told them the truth that it has been opened for a few months. I could have placed my Mizuho bank account which has been opened for almost a year. I don't know if this mattered or not...

I myself is a Chinese-Canadian, and I did make sucessful credit card applications in Canada (which I am a citizen) and Hong KOng (which I am also a citizen). I think maybe the rules are a little different. I just don't see myself as a financial risk for them. I want that Card for the Star Alliance Gold status and I could give one to my mother so she can share the benifits.

Any advice would be extremely useful.

Thank you again for the help.


Update Sept, 06: I have resubmit my ANA Super Flyers Card application (this time for a Sumitomo Mastercard) and see if anything happens. I have taken the advice of some of the posts here. I increased my year of employment in Japan to over 5 years, reported my Japan income only (but included copies of paycheck and payslip from my Hong Kong job and Japan job to show I make much more) and included copy of my forengners card. I also changed my job title to "Network Administrator" instead of "English Teacher". I asked my manager to cooperate just in case they called... I hope this works.