The other day I rang the English CS at SMBC about applying for a home loan. Lady on the phone, perhaps a Chinese woman, shot down our chances pretty much instantly.
Spouse of Japanese national, income between 6-9million every year for the past 4 years. Just couldn't get anywhere with her.
Got my wife to ring and speak to a Japanese representative. Far more accommodating and sent through an application link based on the same information.
TIL; If you can, get your spouse to ring if you can't do so in Japanese.
by One-Astronomer-8171