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Sep 13, 2017

Credit Card approval in Japan

Hello fellow gaijins! Has anyone experienced applying for a Japanese credit card? I applied last weekend for a jcb card and it was an onsite application. I received a phone call from them after 4 days verifying my information. Could this be a good sign that I might get approved for the card? To this date, it has been 4 days since they called and it's silence so far.

Oldsoul

Oldsoul

A fun size lady who left everything behind to brave a whole new world :)

7 Answers


7 Answers


  • Saitama

    on Sep 13

    No, because I was told about 10 years ago they you couldn't on a spousal visa. But I think that might have changed. Following with interest.

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  • Tomuu

    on Sep 14

    I have the experience of having done it with Mizuho in person with my Japanese partner involved. Spouse visa, double income, full-time jobs, in Japan for a few years by that point ... and got rejected. And this from a bank that got into trouble from having been in bed with the yakuza. Maybe I should have put "gang member" on my application form. (Can you sense the bitterness?) Anyway, I would say it took a good couple of weeks for them to deliver the news. No experience with JCB I'm afraid but maybe you need to give it a little more time. I hear that EPOS credit cards are much easier to get.

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  • KevinC

    on Sep 15

    My first credit card in Japan is given by Rakuten, they seem to give credit card to anyone. If they are called you, I think you will get your card soon.

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  • edthethe

    on Sep 20

    i got a rakuten as well. but! never was allowed to recieve it. the post office wouldnt deliver it because on my id i have a middle name , but on the card i didnt. tried getting the card twice, didnt care enough and just gave up

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  • Jackson

    on Dec 1

    I got my Amazon card pretty quickly, but like @edthethe, my issue when I apply for most cards is when I try to have my middle-name included, and it's over their character limits.... If you don't have that issue and your bank account and income look pretty good, you should be getting it within a week or so!

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  • Heath320

    on Feb 1

    My husband was able to get a Rakuten card really easily. They just confirmed some thing’s like his job.

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  • Eli

    on Mar 28

    I applied at my bank for a Saison card a few years ago and got refused. So I went back to my bank to ask why and they told they wanted to confirm that I actually work at my workplace. They called the same day and I got the card a few weeks later. Recently I applied for an orico card and got refused, too, but couldn’t find out why. I then tried Rakuten and it went perfectly fine without any issues. I think Rakuten is pretty gaijin-friendly but you have a monthly limit on the card.

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