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CREDIT CARD JAPAN FOR FOREIGNERS
Which credit cards are easy to obtain for foreign residents in Japan? The following is a list of recommended credit cards based on the issuer’s policy and the difficulty of passing the screening process.
Requirements for foreign nationals to obtain a credit card
Obtaining a credit card for a foreign national is not an easy task.
Almost all card application forms do not have a nationality field.
The screening process uses your name, driver’s license, and registration card to determine that you are a foreigner.
If you are a special permanent resident and use a name that is written in Japanese, there will be no problem.
If you are a foreign national and self-employed, the length of time you have been in business is also an issue.
【Certificate】
A copy of both sides of your alien registration card.
Bank account (number) in your name, personal seal, and cell phone (number).
【Residence period in Japan】
Regardless of the type of residence in Japan, the longer the period of residence, the better.
【Stable income】
Naturally, the applicant must have a stable income. It is preferable that he or she works for a company located in Japan.
【Credit history】
If you have a track record of installment purchases of cell phones, cell phones, home appliances, etc., you will probably have an advantage in the credit card application process.
I recommend distribution credit cards.
Distribution companies have an absolute mission to increase customers and sales.
I think they are trying to widen the gap because they want more people to become cardholders and store at their stores.
Application form Tips
Uppercase letter Street address in the Application form
Capitalize the address on the Japanese application form.
Hyphens and numbers should also be capitalized.
| number（数字） | １２３４５ | Uppercase letter 大文字 |
| hyphen（ハイフン） | ー | |
| Apartment name （マンション名） | ベターライフ 大文字アルファベットよりもカタカナ | |
| No space 住所欄ではスペースを空けない | ||
RECOMENDING CREDIT CARD JAPAN
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DEPOSIT TYPE CREDIT CARD JAPAN
Deposit-type credit cards are recommended for those who just can’t pass the admission screening.
A deposit-type credit card is a non-debt card that allows you to make a deposit and shop on credit within the limits of that deposit.
The deposit ranges from 50,000 yen to 2,000,000 yen (in increments of 100,000 yen)
The deposit is transferred to the designated bank account after the card arrives. If you wish to increase the amount available, simply increase this deposit (in increments of 10,000 yen).
Points are awarded for shopping and can be exchanged for electronic money and other items.
If you have your “residence card”（在留カード）, It’s easy to apply and get your own creditcard !
 | Deposit Type |
| ● 1 Nexus point for every 200 yen spent ● Shopping only ● 1 point = 1 yen Points can be exchanged for digital gifts and other items from DIGICO. ● You can exchange more than 6,000 types of points including Amazon gift | |
| annual fee | first year | 1,375yen（including tax） （Payment on the 6th of the second month following the month of card enrollment） |
|---|---|---|
| Second year onwards | 1,375yen（including tax） | |
| supplemental insurance | Overseas | – |
| domestic | – | |
| shopping others | Fraudulent use security | |
| Closing and debit date | Closing on the 15th Withdrawal on the 6th of the following month | |
| Payment Method | One-time, two-time, bonus lump sum, revolving, installment Later revolving and installment payments | |
| days of issue | About 2 weeks by mail | |
Application and official website Smartphone and PC support | ||
New company owners often have trouble getting credit approval. This is why we recommend this deposit-type MasterCard.
Deposit Type Nexus Card Japanese notation
AEON’s house card
Smoother with Japanese driver’s license.
 | AEON CARDVISA JCB Mastercard |
| ● WAON points worth up to 16,000! ● Double points at all AEON stores nationwide （*Aeon Aeon Mall Daiei Maxvalu） ● 5% off at AEON affiliated stores nationwide on the 20th and 30th of every month. ● No deposit or withdrawal fees at ON Bank ATMs 24 hours a day, 7 days a week. ● 1 WAON point for every 200 yen of WAON charge ● Apple Pay support ● Apply for ETC card at the same time | |
| annual fee | first year | free family card Free for up to 3 persons |
|---|---|---|
| Second year onwards | free family card Free for up to 3 persons | |
| supplemental insurance | overseas | – |
| domestic | – | |
| shopping others | Coverage for 180 days from the date of purchase of 5,000 yen (including tax) or more per item Card theft damage guarantee | |
| Closing and debit date | Closing on the 10th Withdrawal on the 2th of the following month | |
| Payment Method | One-time, two-time, bonus lump sum, revolving, installment payments | |
| days of issue | Temporary card issued on the same day for use only at AEON member stores About 1～2 weeks by mail | |
Application and official website | ||
Aeon Digital CardJapanese notation
RAKUTEN HOUSE CARD
Driver’s license, health insurance card, alien registration card, etc.
Enter the name on your identification card.
 | RAKUTEN CARD（General）10 designs to choose from |
| ● 5,000 yen worth of points for enrollment and one time use！ ● 1 point = 1 yen for every 100 yen spent anywhere. ● Mastercard is OK for Costco! ● 2% fueling points at Eneos SS ● JCB brand gives points for charging nanaco. ● Apple Pay Rakuten Edy nanaco support ● ETC card annual fee 540 yen (sent separately)< | |
| annual fee | first year | free family card free |
|---|---|---|
| Second year onwards | free family card free | |
| available amount | Up to 1,000,000 yen | |
| supplemental insurance | oversee | 20 million max. |
| domestic | – | |
| shopping others | coverage for theft and loss | |
| Closing and debit date | Close at the end of the month, debit on the 27th of the following month The closing date for Rakuten Ichiba usage is the 25th of each month. | |
| Payment Method | One-time, bonus lump-sum, two-time Revolving and installment payments payment through convenience stores | |
| days of issue | Minimum 7 days | |
Application and official website | ||
Rakuten Credit Card Japanese notation
Card For Student Japanese notation
New company owners often find it difficult to get credit approval.
This is why we recommend this deposit-type MasterCard.
NEXUSデポジット型クレジットカードは審査ブラックでも作れるか