“Recently, one institution we approached ruled out the possibility of applying unless the applicant could understand written Japanese. More articles by Liam Carrigan . Banking services, including loans, transfers inside Japan, overseas transfers, and remittances 7-11 ATMs Are the Best ATMs in Japan. This site does not include all credit card companies or all available credit card offers. I used this site to help guide me through the process. Rakuten, on the other hand, places importance on having the card delivered to you within a week. Credit cards for foreigners. Visa duration is also a factor, most non-permanent residents in Japan are here on a 1 or 3-year visa. The second one is designed specifically for small and medium enterprises. Japan101: Banking and Finance. The eternal question many foreigners have to deal with: how can I get a credit card in Japan? In Japan, credit cards are required for shopping, payment of utility bills, etc. READ ON Credit Cards options in Japan Today, I will tell you all about a solution frequently chosen by expats in Japan – the Rakuten card – and walk you through the application form. As a foreigner living in Japan getting a SIM card can be quite difficult, especially if you just started learning Japanese. Many foreigners have applied to get credit cards from their banks but were rejected, without real explanations. I assume government of Japan would take some effective actions for the Olympic visitors and smooth its international card payment system like other developed countries in the world. Establish a good credit history in Japan. In those cases I ended up paying with my bank ATM/debit card. Some of your experiences getting, or not getting, a credit card through your bank: "I tried asking at my local bank branch and flat-out was told that I can't get a credit card as I am a foreigner. Today, I’m going to introduce the three basic credit cards offered for first-time applicants. Cutting edge technology is an integral part of Japanese culture and society. We compared the different debit cards in Japan and the ease of use for foreigners so you don’t have to: SEVEN BANK (JCB DEBIT CARD) Annual Fee Free Points : You earn NANACO points for every usage Customer support via telephone available 24h. Many of you shared your experiences getting a credit card in Japan, several of which I've posted below. J apanese Credit card are different from what you know in the western countries. This is an article about if foreigners in Japan can take up a credit card in Japan but the loan conditions and screening criteria to foreign residents are not really different between a credit card loan and other loan products in Japan. For other companies, it seems to depend greatly on the individual you deal with,” Katherine explains. GTN EPOS Card is a credit card jointly provided by GTN and EPOS Card, which specializes in supporting foreigners living in Japan. However, it may be very difficult getting a credit card in Japan for the exact same reasons it's difficult to obtain a loan: lack of an already-established credit history. Can issue a credit card for foreigners in Japan. The nature of how many foreigners in Japan are employed means that often contracts are only for 1 or at most 2 years. Credit cards are a tricky business for foreigners in Thailand. I've had credit card hassles in China because my credit cards have a magnetic strip rather than being chip and pin cards. Anyone who has applied for a credit card would know that one’s annual salary is an important factor in getting your application approved. Topics: Living in Japan. Many credit card companies simply refuse applications from foreigners. The majority of credit card-holding foreigners likely have permanent residence (永住権) as this is often cited as the door-opening hurtle to a full, convenient life in Japan free of midnight deportations and dramatic scenes at the embassies. I currently have a Rakuten credit card and when I applied I was told only about 25% of foreign applicants get approved and that is with the company that is famous for being the easiest for foreigners to get approved. First and foremost, Rakuten Credit Card is easy to get for foreigners in Japan. I am here to make your life easier by listing out 5 best SIM card options. We’re here to bridge that information gap, so let’s start with the card’s unique features. FIND ENGLISH TEACHING JOBS IN JAPAN. Seven Bank is subsidiary of the Seven & I Holdings Co., Ltd, known for owning the network of convenience stores called 7-Eleven. While the card’s main target are Japanese residents, the card welcomes foreigners as well. Each card varies in type, and there is also a difference in bank fees. These stores usually have ATMs that accept a wide variety of cards, including foreign-issued ones and provide a wide range of services. In the west you are more likely to get overwhelmed by those pesky credit card offers from stores, emails, and even to your mail boxes. But, sending in the application direct to the bank a few months later, no problems at all!" In theory, this shouldn't be a difficult task considering just how common credit cards are. However, many foreigners in Japan shy away from applying for a credit card, either because they don't want to bother with the long, Japanese application, or they already assume that they'll be rejected right away. Why is it so hard for a foreigner to get a credit card in Japan? You just need to make sure you have cash, or access to cash, and not assume credit cards can be used in all shops, for all transport tickets or for all accommodation. How to get a Seven Bank card for foreigners in Japan. If you need money urgently during short term stay in Japan, you should use cash advances from your credit card. However, for foreigners, it seems issuance examination is a severe trend because risk is considered to be high from frequent past cases that a lot of foreigners had returned home country leaving repayment. Services at the counter in the SMBC branches. It is very difficult for foreigners to choose a credit card … The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Credit cards aren't as widely used in Japan as they are in the US, though. Only GTN service users can apply. Actually, they’re called 7 Bank ATMs. Currently, over 100 kinds of credit cards are issued only in Japan. Each banks rules vary and even different branches may have diverse conditions. Rakuten Credit Card Types. Teacher, journalist and now blogger. In Japan it’s quite the opposite, you will find yourself hunting for credit companies that are willing to give you rather than nabbing that perfect card you have been eyeing for. It is difficult for a non-Japanese who move out of Japan within 1 year to pass through the loan screening. Should you take cash or cards, where to get Japanese Yen and lots of tips and advice. In practice, however, getting a credit card in Japan can be bit more frustrating, particularly if your income fluctuates each month or if you are not an expat with a high salary. Rakuten offers many kinds of cards. Many foreigners might think that cannot make the credit card of Japan, but there is no such a thing. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Please be aware that banks regulations and sign up policies may change frequently, with different banks offering alternative products to foreigners. As a foreigner in Japan, it’s less about choosing a card and more about finding a company that will even give you a card. Whereas in Europe and the US you can use credit cards for most anything, regardless of price, this is often not the case in Japan. You can choose between PRESTIA Visa card or Sumitomo Mitsui credit card. Underserved market takes on new appeal as immigration rises. To me, getting a credit card in Japan as a foreigner is probably more trouble than it is worth while living in this cash-based culture. Even if you’re working here, you’ll find that the process tends to be harder than for locals. Using a credit card in Japan isn’t as common as it is in most first-world countries. Credit card loan contract term is generally from 1 to 2 years. Things get super tricky if you’re running your own business: Just like me, you might find yourself in a situation where your employees can get a credit card… Foreigners that have residence/work permits and a steady income in China are able to apply or a credit card. Despite an economy driven by technology, Japan remains a largely cash-based society. This instability will, of course, put off potential lenders. Yes, a foreigner can get a credit card in Japan :) My Recommendation is to g e t Rakuten Credit Card, it's Free and easy to apply to obtain this card. Foreigners in Japan find new credit cards just for them. Shinsei had long been every foreigner in Japan’s favorite bank. Most are found in 7-11 convenience stores, which are everywhere, but you can also find standalone 7 Bank ATMs in places like international airports, including the arrivals halls of Narita and Kansai (Osaka) airports. Please view our advertising policy … Guide to money in Japan - 5 things to know before your trip! Street in Tokyo, Japan. As Japan will host 2020 Summer Olympic I think use of international credit and debit card in Japan could be one of the fatal issues if the authority does not pay much attention to this matter. The credit card for a short term residents including spouse of Japanese National in many usual cases is not issued.Doesn`t matter either you chage your resident in a year of a partime job, to qualify for a credit card in Japan you need a stable resident ( permanent resident), however there are chances you can get one from your bank if you have a guarantor. Compare the different debit cards that can be issued in Japan. This step is optional, but very helpful. Recently it’s been knocked off its pedestal as it, along with many other banks in Japan, now requires that clients live in Japan for at least 6 months in order to open an account, in line with regulatory changes. English information is notably scarce, however, but in recent years, an English FAQ can be found on the official site. The best ATMs for foreigners are 7-11 ATMs. But for foreigners living in Japan, one other factor is crucial: the length of stay that appears on your visa. But don’t worry, as a fellow foreigner who’s been living in Japan for over 4 years, and currently thinking about changing SIM card. What do you think? While you may have a solid credit history back home, Japanese credit card companies don’t subscribe to the credit agencies you use back home (they use one called JICC) —and they’re way more conservative. Never had a problem with my credit cards (Visa and AMEX) in Japan. Most credit card applications in Japan take up to 3 weeks to process. Credit cards are notoriously difficult to get in Japan for foreigners. Ok, lets agree it depends on your budget. It is also necessary for a contract with FREESIM mobile phone company such as LINEMOBILE. 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