The MATCH file is a detailed electronic list of businesses that have had one or more merchant accounts terminated by their acquiring bank. I hope your tip helps others get their very own Japanese credit card 🙂. 2. The table above summarizes the annual fees and rewards … as details can change quickly and the info may not be accurate) ), Ponta Points (exchange points for shopping at Lawson’s, JAL miles, etc. i tried all of thwm above. Good question! Or if that isn’t the case, a way to fill up Yahoo.jp Wallet? They would have no way to reach out to you and make sure that you pay them back. Additionally, you’ll need to apply for and set up payments for your credit card, so again, lots of communicating. As one of the leaders in online shopping, Amazon is well used to international needs and services. 2. Exchange rates (how they historically compare to each other and to wire transfers) Well in 2017 I applied for an AMEX card, was approved, only used it a couple time and kept it payed off. I’ve listed the credit card name, the credit card brand, the yearly fee, and some of the rewards associate with the card. 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. have been at my work for 3 years. That’s awesome! 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: I had a weird experience with AMEX, I declared bankruptcy in 1999 and discharged an AMEX card in the amount ~$3,000. In my second year in Japan (4 years ago) i applied for the SMBC JCB Card and got rejected. Does the letter give any hint about this? 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 … If you liked this article, subscribe to know when more content is available! I think you’ll have to check with the credit card companies on this one. An contains a six-digit issuer identification number (IIN), an individual account identification number, and a single digit checksum. 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 😉. Credit Cards. This information may change, so please just use this as a guideline and double check on the official website. 1. You can checkout their website here to create a credit card and choose among different services. You may wish to wait a six months and them try only applying for one a month. 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??? This list is mostly of bank credit cards. 2 min. Also, how long do you think it will take for them to reissue my card? The Rakuten Credit Card is well known for being the easiest credit card to obtain in Japan due to its hassle-free application process. The first time was with Rakuten, which was rejected; the second one with AEON which was approved. You need to give a landline work number where you can be reached, because usually they will ask to talk with you. I’ll break down your comment into a couple points: 1. Credit Cards Tips for Japan. 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. 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. Fees, conditions, etc. With a wide range of services, they are used to interact with foreigners and provide credit card services for them. I want to try.but I can’t read the kanji in application form.. This was probably the fifth or sixth time I’ve applied for a CC in Japan over the past 15 or so years and the first time I’ve been successful. Sorry to hear you’ve been having issues. Let me know. If you don’t have a bank account yet, make sure to check this article! Good luck! what am i doing wrong? I’ve been using my US CitiBank card, which is accepted at a lot of stores in Japan. We got Amex cards! 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. Good luck with your credit card application! I give up. I do not care how much the card costs or if it gives me any benefits with points etc. About reapplying, you’ll probably have to check with the CC companies. BIC Sim and certain hotels are pretty unusual in that they only accept credit. 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 ? It’s very frustrating because there are some services that are exclusive to credit card holders (cheap phone contracts, car rentals, train tickets, etc. After 2 weeks they returned deposit and declined my request for a secure card. Both Rakuten and Amazon, renowned companies both in Japan and abroad, offer this kind of services. I’m living in Germany right now and get by with cash, a normal bank account EC card and paypal. This reply assumes you mean credit card. I chose gold because it includes a card insurance even when you’re overseas (aka home country for example). (But not too much 😉 ). im trying to get a credit card with card loan. 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. I just want a card to make payments online. how should i deal with it? The credit card applications typically ask for a Japanese address, so that may be the first hurdle. For the technically inclined, this number complies to the ISO 7812 numbering standard. 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. Hello! Can I fill up Yahoo.jp Wallet/use prepaid cards? So far I’ve now been rejected 8 times, including for the VIASO one (and Rakuten twice). −  (function( timeout ) { I have applied two times for a japanese credit card. Hopefully they mean they will review your request to change your name (rather than the application for your credit card itself). I’m sure you’ve already explored Japanese-goods websites aimed overseas and double-checked the credit card entry form translations when checking out, so I think the next thing to do would be to check with your credit card company in Germany. Do you have any other suggestion for credit cards? 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. 🙂. Acquirers and processors can reference the list to help determine the risk factor of a potential new client. but 4, maybe this is the most important, i sometimes didn’t pay my phone bill in time. ), Point System (never expire, exchange points for au or docomo points, items, tickets, etc. Australia's Richest. 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. Annual fee (many credit cards charge a yearly “membership”-type fee just to have the card) If like me, you often use Amazon, I would strongly recommend their services. I’m sorry to hear you’ve been having a hard time. Before I choose a card, I plan to do more research about the cards. Hello pleas …could give me how get master card or visa card from japan or yahoo credit card }, All the horror stores I've seen are on Reddit. ... Its inclusion on the blacklist caused its Hong Kong-listed shares to tumble 14% on Monday. First thing I want to clarify is: do you mean card loan or credit card? ), Point Program (exchange points for JAL or United miles, au/softbank/docomo points, online shopping, etc. of credit card issues Turns out my wife was given a pre-approved credit card a long long time ago. How do other foreigners deal with this? Amazon needs no introduction. Those are the common points they usually ask for. Credit cards tend to charge a percentage of the transfer while wire transfers tend to charge one set fee, as you pointed out. A valid credit card number has several fields and each of them has a meaning. It worked. I’m glad that advice from another reader was able to help you out. 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. The application process online is entirely in English and is a good choice for someone who wants … 28 years old, Engineer Overall, what credit card you choose depends on what platform you use the most and what advantage you are looking for. In 2017, the top 10 issuers of credit cards in the US held a combined $712 billion in credit-card debt. 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? Merchants listed here often find it difficult to obtain a merchant … While technically every shop should accept the card, I came to understand that this unfortunately isn’t the case in Japan. Ive been applying for cc countless of times.. 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. can change, so it is important to be able to communicate about that. I’m wondering if the CC companies have gotten stuck on one of two things: 1. So my question is, what could possibly be the biggest obstacle in order for me to get the cc? Amazon needs no introduction. Thanks for the tip! Merchants must issue a credit to settle legitimate consumer claims. 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 … Sadly, I’m not familiar with Yahoo.jp Wallet or prepaid cards. ), Point system (WAON points; can use points at Aeon stores, McDonald’s, Family Mart, etc. gonna post again if i got the card after 6 months. 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. Lots of financial websites state that applying for more than two cards a month can negatively affect your chances of getting a card. 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. Any suggestions? She had it cancelled but never really followed up and the card went to default because of unpaid annual fees. So, this is my attempt to get cc: 1. However, it is not that easy to get a credit card in Japan as a foreigner. 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. 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). Also got rejected for the JAL card. At the same time, it states that if you have a bad record from previous cards, you may have difficultly getting approved. Carrying a credit card in Japan while traveling is typically convenient for anyone, although the country preferred cash.. do i have to apply just one company per month? Just want to inform that I’ve just got accepted for Amex Gold!! Today we are going to give you some pieces of advice on getting a credit card in Japan! When applying for a credit card, you will need an address, a bank account and a phone number. I’m sorry to hear you’ve had such trouble getting a card! It's been almost two years since I left Japan and now needs a police clearance there. I don’t have the money to also use a proxy service for the payment. 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. If you are in the city, like Tokyo, taxis accept credit card payment. To be honest, I’m not sure. It’s still largely a cash-based society and as such a large number of people don’t use credit cards at all. 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? http://www.consumerreports.org/cro/2012/03/the-best-ways-to-send-money-abroad/index.htm. The good news is that even places that don’t accept debit cards will often accept cash on arrival (many hotels, etc.) J-Trust offers a MasterCard credit card and is the most foreigner friendly credit card in Japan. 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 … I’ve been applying for CC a countless times, but they have been refusing me every time. 491002 - Citibank (UK) AAdvantage Gold Visa Card 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)! 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. Time limit is exhausted. When it comes to credit history, as a foreigner in Japan, you haven’t made enough payment for them to assess whether or not your are a reliable person to whom they can lend money without problem. No idea why – although I suspect less than a year remaining on my residence permit may have something to do with it. Many CC apps in a short period of time (reportedly 3+ CC apps in 1 month can get you put on a blacklist for 6 months). Enjoy! What is your advice for getting one and what is the best credit card for foreigners in Japan? But got lucky with the second application (Nicos Viaso). Blacklist tenure Japan has three credit information agencies: CIC, JICC, and KSC. If I was sued, which I am not really sure about, will it be … 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 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.. A credit card is issued by a CC company for the purpose of buying goods with credit. 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”. thank you. Can anyone help me out with this? Basically, you want the best exchange rate with the lowest fees. When you look for a credit card to pay off your loans, these are the things you’ll want to compare: Please reload the CAPTCHA. Enjoy your credit card! Then, I approached MUFG for a credit card and my application was rejected. They’ve got 2 types, regular and gold. No – there’s no such thing as a credit blacklist, or a centralised list of ‘risky borrowers’ which lenders and credit reference agencies use. i didn’t know that. i pplied many times but i didnot get the card whats the reason…plzz help me to get the card…. You should exercise careful judgement with any online purchase. 5 It could be a tip for others! 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.If like me, you often use … 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. They basically have no insurance that you will be able to pay them back. You may want to check with both your credit card company and the shop in question about where the block might be. Now, I know I’ve been approved because they’ve tried issuing my card to me already. Street in Tokyo, Japan. That’s great! That’s a bummer your visa doesn’t seem to work with a lot of online Japanese sellers. 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? Companies also fear that you will leave Japan, with no point of contact and tons of credit. 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. 🙂. Thanks! ), 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. Hello, I don’t know what the problem is, the rejection notices just say “no”. I’m sorry to hear you are having trouble! In this way, Japan … Once you’ve decided on a few cards that sound good, you should also research other aspects of the cards as well. I had no idea that the UK branch could convey that info to the Japanese branch. 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? 3. 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)).. Or I might still get rejected?. A friend of mine had one issued in 30 minutes after applying at the counter (some Japanese required). thanks i will try to apply aftet six months. Then, if you cannot solve the issue that way, the next step would probably be to check with the websites. 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 hope this helps others. Is that too short to get any card? 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. Do you have a Japanese credit card? Good luck! Seven Card JCB/Visa. I earn 18 million PA and my husband earns another 10.  =  although im just a haken-shain. 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. … Thank you for your understanding. I'm still not convinced getting a credit card here is especially difficult for foreigners. 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. Please reload the CAPTCHA. 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).. I hope you can get one in the near future! The table below is not by any means a thorough write-up of the credit cards. Best Credit Card in Japan for those who need a card for online shopping and want an application process in English. Another point is your salary. Bank of America does blacklist. 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. I’m quite far from the big and more popular cities though. The fact is, I’m not familiar enough with credit cards in Japan to know which credit cards are easy to get for someone like me, a younger person with a lower income who hasn’t lived in Japan for a long time. 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. Much to my dismay, I was rejected. Keep us updated! You’ll want to ask with your credit card company, Yahoo.jp and the prepaid card companies. ), so being universally rejected by card companies excludes you from those services. Just chiming in that I also go rejected for the Ratuken card. 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 … at that time i just had job changed. However, my name was written in Katakana and my ID is in Romaji. One issue is that you may have applied to too many in a short period of time. So i guess that’s why.. Could you possibly advise me on a credit card I could use to pay loans off back in the US? So please keep in mind that I am not a professional and that I can’t take responsibility for the results of applying for or using any of these cards. Good luck! can you give me some advice? Credit card companies are eager to stem the tide are continually beefing up their anti-fraud measures, relying on sophisticated … Especially with the advent of online shopping and services, it’s … Also don’t forget to leave a comment, your feedback is important! I’ll post that research about Japanese credit cards later and also let you know how my application goes. 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. You could try the Amazon card! I have a credit card debt in Japan which remains unpaid. Generally more than two applications in a month raise a red flag for CC companies. I’ve submitted a copy of my ID to them already. >_<. but did not grew up in japan. 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. 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). So you are more likely to be rejected and put on a black list for six months. 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. I have moved to Japan in Nov, 2015. 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. If your salary is more than 400.000 yen a month probably you will get the credit card but there are many factors. I’m 22 and don’t have much experience with credit cards. I’ve been rejected countless times as well, Sorry I missed replying to your first comment! CC companies don’t always conduct this kind of check, but it is good to keep in mind. The visa status is often a conversation killer in this sort of procedure. Do they sue people in Japan for non-payment of credit cards? There are many reasons why companies tend not to give a credit card to foreigners. I just don’t know what to do anymore or who else to ask. Very informative, could you update us on this? Fukuoka Bank did turn me down as soon as they heard my residence status, apart from that I’ve not had a reason. Anecdotally, several friends of mine were approved for credit cards after less then a year in Japan. Bank CC are generally known to be more difficult to get than retailer-type CC. Because it doesn’t require a Hanko, ID, or mounds of paperwork, it’s also something you can create early on in your Japanese journey. The first step, when looking for a credit card, is to check with your bank. I decided to do a little research to find which credit cards are easy for foreigners in Japan to acquire. I’m glad to hear you found a credit card, and I hope this helps others looking for one too. but Amazon approved me within 48h. Loved the points. Talking to a coworker about it afterwards, he asked why I went for such a “high class” card. 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. This is why you might get many denials in your different applications. 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. 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’ve only ever owned one, which I use as a debit card. My hunch, although I can’t prove it, is they see the katakana name and it’s all downhill from there. Even there was no reply though, thank you.. I tried Saison, Sumitomo and Nicos. Au credit card is great and so many benefits as well.. So do you know of a possibility to get a Japanese credit card for foreigners outside of Japan? A follow-up since i left Japan and internationally, like Tokyo, taxis accept credit card it. 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