I just applied for amzon credit card and they gave me the temporary card which added to my amazon account, does is mean that i got approved ? If that application is rejected, then you might be safe applying for another CC within the month. That’s awesome! Well in 2017 I applied for an AMEX card, was approved, only used it a couple time and kept it payed off. If you liked this article, subscribe to know when more content is available! But the times they are a changin’. I hope this helps others. i don’t know if those 3 had something to do with the cc acceptance. ), so being universally rejected by card companies excludes you from those services. Thank you for your understanding. Let us know how it goes if you apply! can change, so it is important to be able to communicate about that. The MATCH file is a detailed electronic list of businesses that have had one or more merchant accounts terminated by their acquiring bank. Credit Card Generator. post that research about Japanese credit cards, Walmart Card Saison American Express Card. setTimeout( BIC sim powered by IIJ, some hotel or hostels (Tokyo Disney Resort) etc.). That’s a real bummer. Some items I’d suggest looking up would be: I’ve compiled this list of twelve credit cards which in theory may be easier for foreigners in Japan to receive. The social credit system traces its origin from both policing and work management practices, but the concept itself can trace as far back as the Warring States period to Shang Yang's Legalist meritocratic "20-rank" system practised by the Qin state.During the rule of Mao, the work unit was the main … So You’ve Been Blacklisted By The Banks. but always rejected. Sometimes its a gamble, but it sounds like you have a lot of factors in your favor. If I was sued, which I am not really sure about, will it be …  =  of credit card issues Turns out my wife was given a pre-approved credit card a long long time ago. Very informative, could you update us on this? Short time in Japan (have you lived in Japan less than 1 year continuously?) Also don’t forget to leave a comment, your feedback is important! So my question is, what could possibly be the biggest obstacle in order for me to get the cc? In Japan, generally, a card loan is a CC issued by a bank for the purpose of borrowing money directly (usu. as details can change quickly and the info may not be accurate) As they assume the risk of the payment, they want to make sure that you will pay them back when the money is due. ), 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. Credit in Japan is usually between the consumer and the bank, and is based on factors like length of employment and salary. 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. notice.style.display = "block"; 3. cannot use it to buy goods directly). It’s especially frustrating when you aren’t provided the reason. They’ve got 2 types, regular and gold. Additionally, I used the following resources, which identified “foreigner-friendly” Japanese credit cards: Tokusuru Credit Card G… Also, as another commenter suggested, you may want to check with your bank back home about getting a low-fee international credit card or a credit card at their Japanese branch. I’m really sorry, I’m asking so many questions. Can you get a Japanese credit card overseas? If you don’t have a bank account yet, make sure to check this article! I’m glad to hear you found a credit card, and I hope this helps others looking for one too. Sorry to hear you’ve been having issues. Right now, my 1-year visa has just been extended but I’m still being rejected for CC. 2 min. Another point is your salary. 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. She had it cancelled but never really followed up and the card went to default because of unpaid annual fees. If there is one country in the modern world where you can get away without using a credit card it’s probably Japan. 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. }. can i send them repeatedly? You may wish to poke around the site linked and possibly even call the card companies to see if they have advice (though if they will actually give out this info might be a long shot). }, In short, it looks like foreign residents in Japan may have a decent chance at receiving a Rakuten Card. Particularly given the info I found online about Rakuten being someone easier to get; I couldn’t find much on the JAL card, though. I have moved to Japan in Nov, 2015. I just want a card to make payments online. The table below is not by any means a thorough write-up of the credit cards. One you’ve probably also heard of before: Myself and several other friends have been denied monthly payments for smartphones since the payment plan was 2 years and our visas were only one. The Seven Card JCB/Visa card is one of the most popular general purpose Japanese credit cards, based on cards-in-force*. Sumitomo Mitsui bank offers the Amazon card, I found out about it while ordering a new iPhone case (ad on the page). im trying to get a credit card with card loan. Just got rejected for the Rakuten card. I should probably add reader-suggested cards to the post! Checkout more information here. Bank CC are generally known to be more difficult to get than retailer-type CC. I was rejected for my first one too (Life Card). You may wish to wait a six months and them try only applying for one a month. Hopefully they mean they will review your request to change your name (rather than the application for your credit card itself). Au credit card is great and so many benefits as well.. 2. It’s about sending money from the US to Mexico, but the basic principles are sound. You need to give a landline work number where you can be reached, because usually they will ask to talk with you. But I hope you get approved soon! ... Best Cash Back Credit Cards. Cutting edge technology is an integral part of Japanese culture and society. I've not been declined for any of the cards I applied to, and the people I've talked to IRL haven't had any troubles either. Best Credit Card in Japan for those who need a card for online shopping and want an application process in English. Frankly I have no idea what I’m talking about here, since I never want to spend money I don’t have by putting things on credit. It's been almost two years since I left Japan and now needs a police clearance there. I’ve been applying for CC a countless times, but they have been refusing me every time. I hope your tip helps others get their very own Japanese credit card 🙂. Soros-Backed Group Asks Mastercard to Blacklist Certain Conservatives June 27, 2019 Sean Adl-Tabatabai News , US 6 As if the censorship of conservatives isn’t already too much, a group of far-left political activist groups, including one funded by George Soros, are calling for the financial blacklisting of wider sections of the … The best way to know about this and about the timeline is to give Rakuten a call. I got approved and got it added to my account too. Australia's Richest. or bank transfers (online purchases, phone contracts). If you work for a big company like Toyota, Nissan or many other companies well they will give you a credit card. The main features of the Seven Card JCB/Visa card: Credit points for every 100 yen (1 credit point per 100 yen (including tax)) per 1.5 points (100 yen (tax excluded)).. I got rejected from rakuten, ana, aeon,jal,jcb.. Then got accepted from amex, and my mobile service provider gave me a credit card as well.. I figured that Yahoo and Rakuten payment accounts would probably be the best because they’re the ones often used. 🙂. ), Possibility of adding family credit cards, Additional rewards, programs, and reward details, Details of paying the premium (when to pay, how much to pay, how to pay). However, it never passed 2 months so before the next bill payment come, i’ve always paid my phone bill. Unfortunately, I haven’t had much time to dedicate to writing, though. While I do have every possible “advantage” a VISA card can offer (like the “verified by VISA” online usage security, which should be a guarantee for both sides, me – the buyer -, and the seller) it fails at the most common shops. 28 years old, Engineer 491002 - Citibank (UK) AAdvantage Gold Visa Card We’ve all been through financial hardships, one way or another. Hopefully someone else can also give you their opinion, but to give you my personal experience, I ended up getting the Viaso card. 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 😉. While some of us were able to get out of the financial quagmire, others raised the white flag and defaulted their loans.With bad financial records and poor credit history, that person joins the ranks of others on the “blacklist.” Thanks! I hope your story can help point students to a card that’s right for them. It is the most prestigious JCB card, affording special status and exclusive services and support to a select group of JCB cardmembers. If you are in the city, like Tokyo, taxis accept credit card payment. can you give me some advice? is it the same if i just get a cc without a card loan? But I didn’t find a way to link it to a payment method of my own. This is why you might get many denials in your different applications. The email said within a week? Also, if you are worried about language difficulties, you could try to ask your bank in your home country if they have a Japanese branch or try asking a bank in Japan with English-language support about their credit cards (Most credit card applications are in Japanese and I can’t think of any English-application credit cards off the top of my head). 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. Congrats on getting accepted. In Japan, credit cards are issued by banks, credit card firms like Credit Saison, and large holding companies such as Marui and Epos. Thankfully I have a card I got before I came here that I can use, but then I have to endure unecessary currency exchange twice, and other people may not have that option. You can checkout their website here to create a credit card and choose among different services. One thing to keep in mind is that if you apply for three or more cards in a short amount of time, this reportedly raises “red flags” to CC companies. Both Rakuten and Amazon, renowned companies both in Japan and abroad, offer this kind of services. 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). >_<. I am currently residing and working in Gamagori, Aichi. I think you’ll have to check with the credit card companies on this one. i didn’t know that. In 2017, the top 10 issuers of credit cards in the US held a combined $712 billion in credit-card debt. Can anyone help me out with this? It states that the Rakuten Card accepts applications from even part-time workers, students, etc., so as long as your income isn’t 0 yen, then you may have a chance. Good luck! Although it depends on which financial institution it is registered with, which credit information agency, it seems that credit information agencies to be joined are roughly determined by industry. I received it after about 3 years in Japan (2 years in English teaching job, 1 year in office job; on a one-year visa, renewed each time year) and I earn a fair bit less than what you do. It’s really great to hear feedback and personal experiences. It could be a tip for others! I applied after wait 1 month and a half after my last attempt, and after 3 months working in my new company (I’ve just changed job recently). Please reload the CAPTCHA. Time limit is exhausted. What Now? Ps I’m working and living in Tokyo since 4 years. and by the way, they set my limit to 4 times the amount I’d applied for – though I’m havong a regular teacher salary. Let me know. I’ve been rejected countless times as well, There are many choices of credit cards, but the ones listed above are easy for foreigners living in Japan to apply for and to get approved. To compile this list of Japanese credit cards, I looked for credit cards aimed atlower-income workers (such as housemakers and part-timers) and younger demographics (such as students and 20-somethings). Their credit card offers 1% of what you buy outside of Amazon as points, 1.5% of points for what you buy on Amazon and 2% if you are a prime member. 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. Generally more than two applications in a month raise a red flag for CC companies. Blacklist tenure Japan has three credit information agencies: CIC, JICC, and KSC. You should exercise careful judgement with any online purchase. Credit card companies are eager to stem the tide are continually beefing up their anti-fraud measures, relying on sophisticated … 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. Enjoy your credit card! I have lived in Japan for 6 months as an English teacher and plan to stay here long term, but I’m losing a lot of money paying fees to wire money home to pay off college-loans in the US. I’ll break down your comment into a couple points: 1. When applying for a credit card, you will need an address, a bank account and a phone number. I’m 22 and don’t have much experience with credit cards. There are bonus offers for customers signing up directly online for the Seven Card … I’m quite far from the big and more popular cities though. Just want to inform that I’ve just got accepted for Amex Gold!! Save my name, email, and website in this browser for the next time I comment. We have been only in the country for 4 months. Could this be a good sign that i’m going to get the card? I chose gold because it includes a card insurance even when you’re overseas (aka home country for example). Amazon needs no introduction. Before I choose a card, I plan to do more research about the cards. In this case “student” usually means a student at a four-year university, not high school students / language school students / trade school students / etc. Some of the articles on this site contain affiliate links. ), Ponta Points (exchange points for shopping at Lawson’s, JAL miles, etc. However, my name was written in Katakana and my ID is in Romaji. What I do not understand about the system is, why some circumstances do not allow the debit cards to be used, if everyone is not issued with a credit card (particularly the foreigners) by banks or companies, as mentioned by many of you in this discussion? thank you. Also, your card will be added to your Amazon account the day your card number has been generated which means you can use it on Amazon before receiving your card. I just don’t know what to do anymore or who else to ask. Do you have any other suggestion for credit cards? Hello, Make sure to check our related articles for more information on how to deal with those. i tried all of thwm above. It’s very frustrating because there are some services that are exclusive to credit card holders (cheap phone contracts, car rentals, train tickets, etc. But it seems like two applications a month is the maximum suggested and one a month is safest. I’ve been in Japan for about 2 and a half years enrolled at a Japanese university as a foreign student, I applied for MUFG’s initial card the other day using the student application and got my acceptance today with my card now in the mail. While opening my account, I was asked for an option for selecting either debit or credit card. A friend of mine had one issued in 30 minutes after applying at the counter (some Japanese required). Thank you for sharing! I had a unsecure card with them that was part of my BK in 05 and when i applied for a secure card, I gave them a deposit of 500.00. I’ll post that research about Japanese credit cards later and also let you know how my application goes. Good luck! 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. 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. There are many reasons why companies tend not to give a credit card to foreigners. Ive been applying for cc countless of times.. So, this is my attempt to get cc: 1. When you look for a credit card to pay off your loans, these are the things you’ll want to compare: i am working here in canada, on my first year here i fully paid my credit cards and personal loan in the philippines that is 2004. last 2007 a collecting angency sent a letter that i had debt in my credit card rcbc card which i know that i dont have a balance before i left the country but i didnt close it.my sister show them my … Carrying a credit card in Japan while traveling is typically convenient for anyone, although the country preferred cash.. I’m living in Germany right now and get by with cash, a normal bank account EC card and paypal. They don’t require your RESIDENCE CARD copy, even as a foreigner it’s enough to get a regular proof of residence from your ward office (the simple one which just states you’re living there)! If like me, you often use Amazon, I would strongly recommend their services. The worldwide cost of credit card fraud in 2018 was $24.26 billion — and in the U.S. alone 130,928 credit card fraud reports were recorded that year, according to DataProt. For greater customer satisfaction, JCB The Class and JCB Gold Cards provide high added-value services including dedicated service desks and free travel insurance. Just chiming in that I also go rejected for the Ratuken card. You could also use it to purchase merchandise at stores or to pay food at food chains or restaurants, which has a logo at storefronts indicating credit card … Also, you may want to check out the German versions of the sites you mentioned, such as Rakuten: http://www.rakuten.de/?scid=wi_rdc_topflag. An contains a six-digit issuer identification number (IIN), an individual account identification number, and a single digit checksum. They also offer 2000Â¥ worth of points if you create a credit card with them. Additionally, you’ll need to apply for and set up payments for your credit card, so again, lots of communicating. 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. For example, the company where you work. Credit Cards. Credit cards require responsible handling and this lapse will probably make you more careful in the future about allowing other people to use your credit card. I will detail below the advantages of each and where to apply. Yes, there are shops that do take it, but I’d really much like to use it at the prior mentioned shops as well.. I have been rejected countless times, my work requires me to travel throughout Japan and of course i can always ask for a advance payment before the trip but I would really like to cut down on doing that plus my boss mentioned I should try to get a credit card. at that time i just had job changed. I’ve only ever owned one, which I use as a debit card. Few weeks later, I opened an account in post bank (JPB) and subsequently applied for a credit card, which was also rejected. Can I fill up Yahoo.jp Wallet/use prepaid cards? Do you have a Japanese credit card? 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. In this way, Japan … Amazon needs no introduction. Rakuten won’t take it, Yahoo won’t take it, 7netshopping won’t take it. For this reason, I applied for the Life Card. but did not grew up in japan. I don’t have the money to also use a proxy service for the payment. gonna post again if i got the card after 6 months. but 4, maybe this is the most important, i sometimes didn’t pay my phone bill in time. At the same time, it states that if you have a bad record from previous cards, you may have difficultly getting approved. do i have to apply just one company per month? All of my Japanese friends have cards. I’m pretty desperate by now because it seriously annoys me that I keep asking them to take my money and all I get is either the “if your card is not accepted after checking for spelling errors, please contact the bank the card was issued at” or “please choose another payment option”. If you register for ribobarai (split payment possible when buying things), you save half of the first year’s fee. Those are the common points they usually ask for. Sadly, I’m not familiar with Yahoo.jp Wallet or prepaid cards. Fees, conditions, etc. I had a weird experience with AMEX, I declared bankruptcy in 1999 and discharged an AMEX card in the amount ~$3,000. If you’re having issues or doubts about a bank CC, but want to apply in person, you can apply for an EPOS card at Marui. It’s my 2nd year in Japan now and I haven’t moved or changed employers ever since, I have a steady income and fairly cheap rent. As debit cards become more popular, I suspect more shops may start accepting debit. To compile this list of Japanese credit cards, I looked for credit cards aimed at lower-income workers (such as housemakers and part-timers) and younger demographics (such as students and 20-somethings). Because i want buy from yahoo auction and rakuten auction and they no accept foreign cards. Thanks for the comment. Your comment will definitely be of reference to anyone else in a similar situation, so thank you. Street in Tokyo, Japan. on How to get a credit card in Japan as a foreigner, JR EAST Welcome Rail Pass – Everything you need to know. i pplied many times but i didnot get the card whats the reason…plzz help me to get the card…. General policies Background. What is your advice for getting one and what is the best credit card for foreigners in Japan? although im just a haken-shain. Good luck! Under the federal Fair Credit Billing Act, shoppers can petition their bank to reverse charges on a credit card for several reasons, including if the charge is fraudulent or the item was not what the shopper originally ordered. How long did it take for it to arrive? 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. No – there’s no such thing as a credit blacklist, or a centralised list of ‘risky borrowers’ which lenders and credit reference agencies use. Please reload the CAPTCHA. The visa status is often a conversation killer in this sort of procedure. Now, I know I’ve been approved because they’ve tried issuing my card to me already. If you don’t pay in time or you forget to pay for more than 1-3 months probably your name will add in the blacklist or you have a bad history in Japan system. My American CitiBank card is great in that regard, but charges an international usage fee that I could escape if I were to use a Japanese credit card. ... Its inclusion on the blacklist caused its Hong Kong-listed shares to tumble 14% on Monday. Is it possible to go directly to a bank and ask them for a card load? Hello, I am so desperate to get credit card in Japan recently. Today we are going to give you some pieces of advice on getting a credit card in Japan! I’m wondering if the CC companies have gotten stuck on one of two things: 1. Any advice on a credit card I could get, so I can put money on it here in Japan and pay off student loans online that way? Ease of communication (some credit cards have English support; I highly recommend seeking one of these out if you aren’t confident in your Japanese or don’t have someone close who knows Japanese and can help you out. Sorry I missed replying to your first comment! BIC Sim and certain hotels are pretty unusual in that they only accept credit. You can try applying for one of the cards in this post if you would like a credit card that is reported to be easier to get. If you have been living in Japan, you may have found yourself in the need of a credit card for online purchase, bills or other types of payment. if ( notice ) I’ve definitely been meaning to write a follow-up since I applied for and received a card. Hi there! the best credit card is the one you can get. I do not care how much the card costs or if it gives me any benefits with points etc. If you have trouble getting a card in Japan, you may be able to find a card from your home country/bank that works in Japan with minimal fees. 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. BadCustomer.com: Credit Card Chargebacks Can Leave You On Obscure Blacklist Wallet Pop Disputing a credit card charge by asking for a "chargeback" can lead to being put on a blacklist that merchants can check for customers who might try to defraud them. ), Point system (WAON points; can use points at Aeon stores, McDonald’s, Family Mart, etc. 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. Also, this site states that the Rakuten Card is among one of the easiest cards to receive (this lists also includes the Family Mart T Card, the ShinEneos Card and the Magical Club Card JCB). In addition, the language barrier will be another hurdle – most Japanese credit card applications do not have an English version. Best 0% APR Credit Cards. 4907 - Citibank Credit card (Japan) 490841 - Banco Espirito Santo Gold Visa Credit Card (Portugal) 490847 - Parex Bank Visa Credit Card 4909 - Northern Rock - Building Society - Vida Debit Card (UK) 4910 - HSBC Bank VISA Credit Card (Sri Lanka). I have been in Japan for about 5 years and a half, and i got the same case as TJ. It’s still largely a cash-based society and as such a large number of people don’t use credit cards at all. I’ll try to get something written up soon! Lots of financial websites state that applying for more than two cards a month can negatively affect your chances of getting a card. However, it is not that easy to get a credit card in Japan as a foreigner. Also got rejected for the JAL card. Companies also fear that you will leave Japan, with no point of contact and tons of credit. Unfortunately, I don’t know much about the “behind the scenes” at credit card companies to say if the phone check is only done for those who will likely get approved or if it is standard for all applicants. I have a credit card debt in Japan which remains unpaid. Good question! 5 Japan's Richest. display: none !important; I had no idea that the UK branch could convey that info to the Japanese branch. 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?!”.. Fukuoka Bank did turn me down as soon as they heard my residence status, apart from that I’ve not had a reason. The credit card applications typically ask for a Japanese address, so that may be the first hurdle. The first step, when looking for a credit card, is to check with your bank. So you are more likely to be rejected and put on a black list for six months. This list is mostly of bank credit cards. … You can use it as a guideline. −  Credit Cards Tips for Japan. I'm still not convinced getting a credit card here is especially difficult for foreigners. Don’t hesitate to contact me if you have any question or join our Facebook community to discuss about it. As one of the leaders in online shopping, Amazon is well used to international needs and services. Rakuten is a shopping website referred to as the “Japanese Amazon”, and has a great points system, where all the points (1%) made on purchas… So far I’ve now been rejected 8 times, including for the VIASO one (and Rakuten twice). Have you been applying to many cards at once? With you a CC issued by a CC issued by a CC issued by a bank for excellent. 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