I keep meeting new arrivals who get told, "just wait for the ARC," but the annoying part is not always obvious until you're already here. What was the first thing that genuinely became difficult before your card was issued? Banking, getting a proper phone plan, booking train tickets, signing a lease, delivery apps, something else? Not asking for official rules. I am more curious about the real-life bottlenecks people hit in Korea and what workaround was actually worth trying.