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.
A fun size lady who left everything behind to brave a whole new world :)
7 Answers
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on Sep 13
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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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on Sep 15
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on Sep 20
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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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on Feb 1
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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.
7 Answers