Comments on: Get a Credit Card

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By: Forget Budgeting – Do Conscious Spending | Frugalista Japan

Forget Budgeting – Do Conscious Spending | Frugalista Japan — Mon, 15 Jun 2009 12:42:14 +0000

[...] You need a credit card – a Japanese credit card. I wrote about this before, and I still think it’s hard for foreigners to be approved for a credit card when they first [...]

By: jamie

jamie — Tue, 02 Jun 2009 14:07:14 +0000

Sorry to hear that Caniman. It does seem to be rather complicated. I wonder if you’ve always paid your gas and electric bills on time here. If you think so, perhaps its time to get a professional credit check. Sorry I cant be more help, from what you’ve written you should be able to get a card, which is why I suspect something a little strange in your case. You only seem to using 3rd party issuing companies though, how about talking directly to the Visa subsidaries like Aeon, you can usually find them inside large supermarket outlets. Make sure you sit down with the nice young lady who will walk you through the application process, dont just take an application home and try to do it there. Good luck!

By: Caniman

Caniman — Tue, 02 Jun 2009 12:39:16 +0000

I have been denied by:
UFJ
Pita Pa
JAL
ANA
Yodobashi Camera
Bic Camera

and now Costco as well.
I have been here 3 years with the same job and income. No debts and an excellent credit rating overseas.

However I assume I have NO credit rating here.

So….

Buu Buu to me.

By: Kevin

Kevin — Fri, 29 May 2009 15:35:50 +0000

Since the start of this year it’s been a lot easier for foreigners to get credit cards with their banks as long as they can prove they work and are on at least a working visa or better.

By: Joe Jones

Joe Jones — Wed, 08 Apr 2009 03:48:40 +0000

Two thoughts. If you get a bank account with Suruga or eBank, they will give you a Visa debit card as part of the account package. This is great if you can't get credit but need a card for whatever reason. eBank's card gets a damn good exchange rate on foreign purchases too (I think their spread is something like 1.5%, which is cheaper than most credit cards.) Also, one potential source of credit cards for gaijin is JAL. They issue their own credit cards and, according to some web sites I saw, don't care much about credit history. I got a JAL Suica Card, which is a JCB card and works everywhere, when everyone else was turning me down (including Tsutaya and Family Mart). Everyone used to say Citibank was the way to go, but they seem to have become much tighter lately. Joe Jones’s latest blog post is...Rare family names

By: jamie

jamie — Wed, 01 Apr 2009 02:16:15 +0000

Perhaps you had a good credit history, as it’s taken most people I know here over two years to get one. All credit cards essentially come from two main credit companies, so whether it is with your bank or the supermarket shouldn’t make a difference. But then again, approving someone’s credit rating is a very random affair…

Mic, how much do you spend on your card per month? Do you collect points? Have you ever used them to get something or take a holiday? Please let us know!