), Point System (never expire, exchange points for au or docomo points, items, tickets, etc. The application process online is entirely in English and is a good choice for someone who wants … 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. 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 followed Maya’s advice to try Amazon. 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)).. Can I fill up Yahoo.jp Wallet/use prepaid cards? With a wide range of services, they are used to interact with foreigners and provide credit card services for them. Carrying a credit card in Japan while traveling is typically convenient for anyone, although the country preferred cash.. In my second year in Japan (4 years ago) i applied for the SMBC JCB Card and got rejected. Generally more than two applications in a month raise a red flag for CC companies. But the paper that requested me to submit a copy of my ID says they will “review” my application… does that mean there’s a possibility to get rejected??? 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. on How to get a credit card in Japan as a foreigner, JR EAST Welcome Rail Pass – Everything you need to know. ), 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. I have been in Japan for about 5 years and a half, and i got the same case as TJ. Bank of America does blacklist. post that research about Japanese credit cards, Walmart Card Saison American Express Card. While technically every shop should accept the card, I came to understand that this unfortunately isn’t the case in Japan. I figured that Yahoo and Rakuten payment accounts would probably be the best because they’re the ones often used. Thanks! I’m waiting around 4 days for it to come in the mail. ), Point Program (exchange points for JAL or United miles, au/softbank/docomo points, online shopping, etc. Blacklisting is the action of a group or authority, compiling a blacklist (or black list) of people, countries or other entities to be avoided or distrusted as being deemed unacceptable to those making the list.If someone is on a blacklist, they are seen by a government or other organization as being one of a number of people who cannot … BIC sim powered by IIJ, some hotel or hostels (Tokyo Disney Resort) etc.). Do you have any other suggestion for credit cards? Time limit is exhausted. This information may change, so please just use this as a guideline and double check on the official website. It could be a tip for others! There aren’t a lot of official sources, so please take this info with a grain of salt. *sigh*. Amazon needs no introduction. Time limit is exhausted. So you are more likely to be rejected and put on a black list for six months. 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. 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”. what am i doing wrong? I personally prefer to stick with bank credit cards, which may be a bit more difficult to get. There are many reasons why companies tend not to give a credit card to foreigners. read By eCompareMo on October 8, 2014. If your salary is more than 400.000 yen a month probably you will get the credit card but there are many factors. However, it never passed 2 months so before the next bill payment come, i’ve always paid my phone bill. I’ve been rejected countless times as well, For greater customer satisfaction, JCB The Class and JCB Gold Cards provide high added-value services including dedicated service desks and free travel insurance. It worked. When I came to Japan I’d had the same problem and had to purchase one with genkin and me ended up with an older model(price wise). cannot use it to buy goods directly). Make sure to check our related articles for more information on how to deal with those. 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. Sorry to hear you’ve been having issues. Good question! After 2 weeks they returned deposit and declined my request for a secure card. Sorry I missed replying to your first comment! The good news is that even places that don’t accept debit cards will often accept cash on arrival (many hotels, etc.) Today we are going to give you some pieces of advice on getting a credit card in Japan! The credit card applications typically ask for a Japanese address, so that may be the first hurdle. Do you have a Japanese credit card? Could be any of name, length of time at address or employer, salary, type of accomodation, type of job. 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). Up until last month, i never get rejected for phone loan (e.g softbank or Docomo), but last month i want to buｙ new iphone X but the provider (AU) said that i can not buy the phone by loan. 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. 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. Have you been applying to many cards at once? 3. Credit in Japan is usually between the consumer and the bank, and is based on factors like length of employment and salary. Thanks for the comment. 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). ), 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). Short time in Japan (have you lived in Japan less than 1 year continuously?) The table above summarizes the annual fees and rewards … Additionally, I used the following resources, which identified “foreigner-friendly” Japanese credit cards: Tokusuru Credit Card G… For this reason, I applied for the Life Card. 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. 3. 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 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. 28 years old, Engineer the day after, i applied to Acom mastercard but also got rejected. Japan's Richest. As a side note, also be a little cautious about relying on info from non-official sites (such as this one!) })(120000); J-Trust offers a MasterCard credit card and is the most foreigner friendly credit card in Japan. Hello! Good luck! 2. function() { of credit card issues Turns out my wife was given a pre-approved credit card a long long time ago. A non-Japanese friend of mine was able to get a department store credit card the same day as the application was submitted. Your comment will definitely be of reference to anyone else in a similar situation, so thank you. 5. If you purchase from or sign up with some companies we link to, we will be compensated. 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. Whether they’ll be accepted in the US (many of the major types of cards (VISA, etc) in theory should work in the US, but it’s important to confirm this), I know this is not quite the answer you were looking for, but I wish you luck in your search for the optimal transfer method and in paying off your loans! That’s really distressing to hear! I am having a Visa Debit from my Japanese bank, but I’d like to have a “real” CC. As they assume the risk of the payment, they want to make sure that you will pay them back when the money is due. I’m glad to hear you found a credit card, and I hope this helps others looking for one too. 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. As one of the leaders in online shopping, Amazon is well used to international needs and services. 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. can you give me some advice? She had it cancelled but never really followed up and the card went to default because of unpaid annual fees. For the technically inclined, this number complies to the ISO 7812 numbering standard. CC companies don’t always conduct this kind of check, but it is good to keep in mind. I had no idea that the UK branch could convey that info to the Japanese branch. Au credit card is great and so many benefits as well.. I’ll break down your comment into a couple points: 1. Amazon needs no introduction. So i guess that’s why.. I’ll post that research about Japanese credit cards later and also let you know how my application goes. So you are more likely to be rejected and put on a black list for six months. 2. Unfortunately, I haven’t had much time to dedicate to writing, though. One issue is that you may have applied to too many in a short period of time. If you are in the city, like Tokyo, taxis accept credit card payment. Ps I’m working and living in Tokyo since 4 years. Also got rejected for the JAL card. Also, how long do you think it will take for them to reissue my card? ); I decided to do a little research to find which credit cards are easy for foreigners in Japan to acquire. 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. Thanks for the excellent tip about smartphones and monthly payments! ... Best Cash Back Credit Cards. do i have to apply just one company per month? The email said within a week? I hope you can get one in the near future! My loan company informed me that if I pay with a credit card the only money I’d be losing is in the exchange rate, not anything in the actual transfer (now it roughly costs me $20 for every individual transfer, an amount that adds up over time with every loan payment…), I’m afraid I don’t have the expertise to answer you satisfactorily without a lot of reading up on the web and calling around, but you might want to take a peek at this website: This list is mostly of bank credit cards. thanks i will try to apply aftet six months. 1. 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’m sorry to hear you’ve had such trouble getting a card! 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. But the times they are a changin’. Hopefully they mean they will review your request to change your name (rather than the application for your credit card itself). Rakuten is a well established company in Japan and internationally. Also don’t forget to leave a comment, your feedback is important! but 4, maybe this is the most important, i sometimes didn’t pay my phone bill in time. I think you’ll have to check with the credit card companies on this one. but did not grew up in japan. 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). Credit card companies are eager to stem the tide are continually beefing up their anti-fraud measures, relying on sophisticated … All the horror stores I've seen are on Reddit. 2. First thing I want to clarify is: do you mean card loan or credit card? Anecdotally, several friends of mine were approved for credit cards after less then a year in Japan. I’ll try to get something written up soon! If you’re a student then give it a shot, I had two negatives going for me being both a foreigner and a student but it has worked out in the end! I give up. 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. Do they sue people in Japan for non-payment of credit cards? 491002 - Citibank (UK) AAdvantage Gold Visa Card at that time i just had job changed. 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). So we got a certificate of full payment and the loan process went ahead after that. is it the same if i just get a cc without a card loan? And even if I had, the rates they demand you pay are ridiculously overpriced at 10-20% of the value you’re buying plus a fee for banking stuff etc plus the additional costs of the required traceable shipments within Japan. Or I might still get rejected？. Could you possibly advise me on a credit card I could use to pay loans off back in the US? Especially with the advent of online shopping and services, it’s … That’s a real bummer. Japan is known as a “cash society,” but having a Japanese credit card in Japan can be very convenient. However, after having paid my bills for 6 months I could purchase one in my provider’s online shop! 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