have been at my work for 3 years. Even there was no reply though, thank you.. 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. I’ve definitely been meaning to write a follow-up since I applied for and received a card. It’s worth trying! 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. 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. I hope your tip helps others get their very own Japanese credit card ð. how should i deal with it? }, Thank you for your understanding. After 2 weeks they returned deposit and declined my request for a secure card. 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. 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. function() { A credit card is issued by a CC company for the purpose of buying goods with credit. Make sure to comment below! ); Just want to inform that I’ve just got accepted for Amex Gold!! If you don’t have a bank account yet, make sure to check this article! In short, it looks like foreign residents in Japan may have a decent chance at receiving a Rakuten Card. 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. Blacklist tenure Japan has three credit information agencies: CIC, JICC, and KSC. I’m 22 and don’t have much experience with credit cards. gonna post again if i got the card after 6 months. I hope you can get one in the near future! 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?!”.. Amazon needs no introduction. 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. I’ve applied and got accepted for a Rakuten Visa. post that research about Japanese credit cards, Walmart Card Saison American Express Card. Rakuten is a shopping website referred to as the âJapanese Amazonâ, and has a great points system, where all the points (1%) made on purchas⦠Right now, my 1-year visa has just been extended but I’m still being rejected for CC. 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. 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. A non-Japanese friend of mine was able to get a department store credit card the same day as the application was submitted. It's been almost two years since I left Japan and now needs a police clearance there. var notice = document.getElementById("cptch_time_limit_notice_98"); Good question! So, you may want to try for the Viaso card; however, like you pointed out, maybe acceptance also has to do with length of time in Japan? I had luck with the NICOS VIASO VISA card, so that’s one to look intoï¼one of these days I promise to write a post about it ð. Could this be a good sign that i’m going to get the card? This reply assumes you mean credit card. 2 min. A lot of times, people use their credit cards as debit cards (ie, pay all debt at once), so that probably further reduced the perceived need of debit cards. One issue is that you may have applied to too many in a short period of time. I’ve been using my US CitiBank card, which is accepted at a lot of stores in Japan. In this way, Japan ⦠I do not care how much the card costs or if it gives me any benefits with points etc. So my question is, what could possibly be the biggest obstacle in order for me to get the cc? Before I choose a card, I plan to do more research about the cards. I ran it over what I could afford to pay, went to their office and explained, and they canceled the card and set up a monthly payment, and I was ⦠on How to get a credit card in Japan as a foreigner, JR EAST Welcome Rail Pass – Everything you need to know. Good luck! The Rakuten Credit Card is well known for being the easiest credit card to obtain in Japan due to its hassle-free application process. My principal bank account is in Mitsubishi-Tokyo-UFJ. 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. Is that too short to get any card? 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”. notice.style.display = "block"; Lots of financial websites state that applying for more than two cards a month can negatively affect your chances of getting a card. Is it possible that I have a police record in Japan? Right now, I’m awaiting an answer from Rakuten. The visa status is often a conversation killer in this sort of procedure. I got approved and got it added to my account too. 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. Sometimes its a gamble, but it sounds like you have a lot of factors in your favor. ⦠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. Let us know how it goes if you apply! at that time i just had job changed. You could try the Amazon card! }. For example, the company where you work. 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. Bank of America does blacklist. I figured that Yahoo and Rakuten payment accounts would probably be the best because they’re the ones often used. ), Point System (never expire, exchange points for au or docomo points, items, tickets, etc. Or I might still get rejectedï¼. BIC Sim and certain hotels are pretty unusual in that they only accept credit. Then, if you cannot solve the issue that way, the next step would probably be to check with the websites. If this is the case, many financial websites suggest waiting six months for your record to clear and then trying one application per month after that. Thanks! But got lucky with the second application (Nicos Viaso). The email said within a week? Enjoy! If like me, you often use Amazon, I would strongly recommend their services. 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. So far I’ve now been rejected 8 times, including for the VIASO one (and Rakuten twice). Best 0% APR Credit Cards. 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. 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.. ... Best Cash Back Credit Cards. It worked. is it the same if i just get a cc without a card loan? display: none !important; Merchants listed here often find it difficult to obtain a merchant ⦠Last year, i tried to buy a new car by loan, but got rejected twice simultaneously (i am sure it was in the middle of October) because i don’t have permanent resident. All of this information comes from the cards’ official websites. 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. Can a non-Japanese credit card work at a Japanese online shop? 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. Hello! 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. Card applications typically ask for non-payment of credit or who else to with... Some alternatives as well Nicos Viaso ) to use a US Visa card and was! Never expire, exchange points for shopping at Lawson ’ s online shop Gold! or it... To reissue my card to me already credit card blacklist japan ) 3 pre-approved credit card of ID. Processors can reference the list to help determine the risk factor of a possibility to than. To them already thing i want to inform that i ’ ve had trouble. 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