You may wish to wait a six months and them try only applying for one a month. I’m wondering if the CC companies have gotten stuck on one of two things: 1. 1. −  I personally prefer to stick with bank credit cards, which may be a bit more difficult to get. I started Easy Life Japan to help people who are going through the same difficulties as I did to have a smooth adaptation and a good experience in Japan. I’ve read something about konbini pre-paid cards you can then again use to charge your Wallet or Rakuten account but then haven’t found a way to buy that online. I followed Maya’s advice to try Amazon. I was reading your post of May 2.I have a long time in Japan and what I know from my experience is to pay on time all your bill. ), Point system (WAON points; can use points at Aeon stores, McDonald’s, Family Mart, etc. You may want to check with both your credit card company and the shop in question about where the block might be. In addition, the language barrier will be another hurdle – most Japanese credit card applications do not have an English version. According to the credit cards’ official websites and the above mentioned guides, the following cards are recommended to students: MUFG Card Initial American Express Card, Walmart Card Saison American Express Card, Saison Card International, Aeon Card. ), 1312 yen/year (first year free, free while you are a student), 1312 yen/year (First year free; free after that if you use at least once a year), Point system (points can be used to purchase items from, Cash Back (automatically receive 1 yen for 1 point), Point system (can use points at Hot Pepper, Eruca, etc. Thought I’d share my experiences as I just used this guide. Please reload the CAPTCHA. *sigh*. But it seems like two applications a month is the maximum suggested and one a month is safest. So if you go that route, I’d try talking with your own bank in Japan first or talking with overseas bank, as another commenter reported success with. Bank CC are generally known to be more difficult, http://www.rakuten.de/?scid=wi_rdc_topflag, http://www.consumerreports.org/cro/2012/03/the-best-ways-to-send-money-abroad/index.htm, 500 yen/year (first year free; free for the following year if you buy 50000 yen or more a year), Point System (exchange points for shopping, ANA miles, etc. ... Its inclusion on the blacklist caused its Hong Kong-listed shares to tumble 14% on Monday. I want to try.but I can’t read the kanji in application form.. About your comment about not being able to pay off smartphones monthly due to visa: There are many reasons why companies tend not to give a credit card to foreigners. At the same time, it states that if you have a bad record from previous cards, you may have difficultly getting approved. Some of the articles on this site contain affiliate links. However, they were all on work-type visas, likely had contracts for at least a year, and likely had income that could support a family of two relatively easily. We were with Amex in the UK and could call them to do a “transfer”, which means they could refer to our track record there. the best credit card is the one you can get. For this reason, I applied for the Life Card. I have a credit card debt in Japan which remains unpaid. Why i applied to Amex, My consideration was Amex is not (maybe) Japanese credit card company, and Amex has been promoted their Gold card even more than the usual green card or any other Amex card.. What you are looking for, when applying for a credit card in Japan, is a company used to deal with foreigners, international support in case of problems and simple paperworks. 2. It’s really great to hear feedback and personal experiences. Maya’s advice is buried in a reply to a reply so I figured I would make my own comment so other people can find this advice easily. I'm still not convinced getting a credit card here is especially difficult for foreigners. Those are the common points they usually ask for. I was rejected for my first one too (Life Card). Make sure to comment below! Also got rejected for the JAL card. Don’t hesitate to contact me if you have any question or join our Facebook community to discuss about it. can you give me some advice? That’s awesome! There aren’t a lot of official sources, so please take this info with a grain of salt. Later, when I started my routine life in Japan, I realized that credit card is the only option that is acceptable, and not the debit card, in certain circumstances (E.g. As 99% of shops don’t offer paypal as a payment option in Japan, I even got myself a VISA credit card, which is supposed to be one of the best, if you’re looking for an internationally usable card because it “only” costs 2% of foreign usage fee per transaction and a free EC card which you can use world wide to get cash without any fees.So far, so good. at that time i just had job changed. 5 If you don’t have a bank account yet, make sure to check this article! .hide-if-no-js { They basically have no insurance that you will be able to pay them back. Blacklist tenure Japan has three credit information agencies: CIC, JICC, and KSC. So you may want to try waiting about six months to “clear your record” and then try applying for one card per month. i tried all of thwm above. Fukuoka Bank did turn me down as soon as they heard my residence status, apart from that I’ve not had a reason. So is there a possibility to get a Japanese credit card as a foreigner outside of Japan or a trick to make my non-Japanese card work in Japan? Sadly, I’m not familiar with Yahoo.jp Wallet or prepaid cards. For the technically inclined, this number complies to the ISO 7812 numbering standard. Does the letter give any hint about this? For greater customer satisfaction, JCB The Class and JCB Gold Cards provide high added-value services including dedicated service desks and free travel insurance. Shopping in Japan is expensive enough with the high rates prices are going at over there plus the foreign usage exchange fee plus exchange rate plus (most often) forwarding service plus international shipping plus import taxes/customs. Hello! But the times they are a changin’. Enjoy your credit card! Embarrassingly, I had similar difficulties with my first credit card in Japan, not understanding the system and not being able to change the payment date to match my salary payments. How long did it take for it to arrive? Then, I approached MUFG for a credit card and my application was rejected. Thank you for your understanding. Best Credit Cards; ... Investors Shouldn't Worry About Cisco's Blacklist Risks in China ... (Asia Pacific, Japan, and China) region in fiscal 2020, which ended on July 25. So if your situation is different, your chances will likely be different. I had luck with the NICOS VIASO VISA card, so that’s one to look into-one of these days I promise to write a post about it 😉. Or I might still get rejected?. Fees, conditions, etc. It’ll take some trial and error with applying (try some in this list that appeal to you – I was able to get a Nicos Viaso, but keep in mind I’d lived in Japan for several years). Right now, I’m awaiting an answer from Rakuten. ); To assess whether or not you will be able to pay back, companies will look at your credit history and want to make sure that they will be able to contact you in case of a problem. This is my preference as a lay-person. })(120000); Credit card companies are eager to stem the tide are continually beefing up their anti-fraud measures, relying on sophisticated … Before I choose a card, I plan to do more research about the cards. I’ll try to get something written up soon! Keep us updated! Could this be a good sign that i’m going to get the card? thank you. I just don’t know what to do anymore or who else to ask. Additionally, I used the following resources, which identified “foreigner-friendly” Japanese credit cards: Of course, there are types of credit cards that are easier to receive than others. Bank CC are generally known to be more difficult to get than retailer-type CC. >_<. I’ll try out some of the others on this site and see how it goes! In Japan, credit cards are issued by banks, credit card firms like Credit Saison, and large holding companies such as Marui and Epos. Maybe I’ve overlooked a fact somewhere (my Japanese is just at N4-stage so I rely heavily on translation tools for any kind of financial stuff TOS etc) but so far I haven’t found an accessible way to online-money for inside Japan from outside Japan just yet. The website I linked in the previous comment and other similar sites suggest only one application per month. If that application is rejected, then you might be safe applying for another CC within the month. Do they sue people in Japan for non-payment of credit cards? Acquirers and processors can reference the list to help determine the risk factor of a potential new client. That’s really distressing to hear! No – there’s no such thing as a credit blacklist, or a centralised list of ‘risky borrowers’ which lenders and credit reference agencies use. Like a say, it depends on many factors, I applied for a Disney JCB card last week and got a phone call today from them verifying my information. As your bank knows you and manage your account, they would most likely accept to provide you with this kind of service, if they have it. This month, i applied to yahoo cc, and they asked me something (number) from my bank account that i didn’t know so the application failed. I’m not looking for a loan or whatever because I never spent more than I have, so my finance history is red-free, which is probably also the reason I got a credit card without any problems here even though I have no own income other than the monthly support by my parents because I’m still at university. but Amazon approved me within 48h. It's been almost two years since I left Japan and now needs a police clearance there. So my question is, what could possibly be the biggest obstacle in order for me to get the cc? For example, the company where you work. According to a 2016 report, results revealed that 84% percent of people in Japan own credit cards, and the use of electronic money, including credit cards and IC cards (rechargeable cards), is 66% (JCB, General Credit Card Study in 2016, reported in Japanese).. You can checkout their website here to create a credit card and choose among different services. I feel like a breathing parody of that Futurama meme with Fry shouting “Shut up and take my money!” and the Japanese side sitting there all troll-faced “Problem?!”.. Thanks! There are bonus offers for customers signing up directly online for the Seven Card … Maybe you’re able to answer my questions..I’ve been shopping online in Japan for a while now because (like many Japan fans) I’m hooked on manga and otaku crap, that’s -if available at all- way too overpriced in Japan but even more so abroad. Can anyone help me out with this? I am having a Visa Debit from my Japanese bank, but I’d like to have a “real” CC. 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