How to make it easier for foreigners to obtain a credit card in Japan
Many foreigners who have moved to Japan would like to obtain a credit card. It can be difficult for foreigners to get a credit card in Japan. This is because it is difficult to prove that you can earn a stable income. This is especially true for students or those who have recently moved to Japan.
To get a credit card in Japan, it is important to know the differences in the system and features compared to other countries. We will also introduce ways to make it easier to pass the examination. Please note that there is no guarantee that your application will pass the examination.
This time, we will explain why it is difficult to get a credit card in Japan and the differences between the system and other countries. We will also introduce what you need to bring when applying for a credit card.
Why it is difficult to get a credit card in Japan
It is difficult for foreigners to get a credit card in Japan. This is because it may be difficult to obtain a stable income, and it may be difficult to clearly prove your identity.
Even if you are a foreigner, it may be advantageous to get a credit card if you have multiple proofs of clear identification and proof of stable income. (This is just an advantage, and does not guarantee that you will be able to create it.)
Features of Japanese credit cards
A feature of Japanese credit cards is that if you have one credit card, you can freely choose the payment method with that one credit card.
If you have one credit card, you can make lump-sum payments, installment payments, revolving payments, etc.
In countries other than Japan, many people have credit cards for different payment methods, such as one-time payment credit cards and installment payment credit cards.
Types of Japanese credit cards
The types of Japanese credit cards are determined by rank.
In Japan, cards are divided into general, gold, platinum, and black cards based on rank. (Depending on the product, some ranks may not apply, so please check.)
If you are creating a credit card in Japan for the first time, there should be no problem if you create one in the standard format.
Things you need to bring when creating a credit card
In order to create a credit card, you will definitely need documents that can verify your identity. It is best to have something that can prove your identity, such as a residence card, with a photograph of your face.
We also recommend that you bring multiple documents to confirm your identity, such as a copy of your driver's license or residence card. (A copy of your resident card can be issued at the government office of your address.)
Additionally, in order to create a credit card, you must first open an account at a bank. Start by opening an account with a reliable bank.
Once you have opened an account, you will be able to apply for a credit card.
Please note that you will need the account number where you opened the account. Please note that if you have already opened an account and want to create a credit card for that account number, you will need something that shows your account number.
Your bank card or paper passbook will have your account number written on it, so it's a good idea to bring it with you when you apply.
What you can do to avoid failing the examination
We recommend that you bring as many identification documents as possible to prove your identity. You will be more likely to be trusted if you bring multiple pieces of identification rather than just one.
Also, bring documents that prove you have a stable income. If the publisher can see that you have a stable income, your credibility will further increase.
We also recommend that you open only one credit card with the company you have chosen in the beginning. We do not recommend applying to multiple companies at random, hoping that one of the publishers will pass the screening.
This is because if you apply for multiple tickets from different companies at once, you may be worried that you are involved in a crime. It will be easier to pass the examination.
There is also a way to create a prepaid card.
Prepaid credit cards can be created without an examination. This is especially useful for students and those who have just arrived in Japan, as they often do not have documentation to prove a stable income.
With prepaid cards, you either purchase a card for a set amount of money or you load money onto the card yourself.
Therefore, the advantage is that you can easily manage how much money you have, so you don't have to worry about spending too much. Also, if you want to shop online, you may be able to use a prepaid card, which is convenient.
Foreigners may find it difficult to issue a Japanese credit card.
Keep in mind that it will be easier to pass the examination if you have multiple documents to prove your identity and proof that you have a stable income. (Please note that having these two documents does not guarantee that your application will pass the examination.)
Please learn about the credit card system in Japan and enjoy your daily life comfortably.