Dear visitor, if you know the answer to this question, please post it. Thank you!

Ifm always rejected for a credit card. 2019/2/18 13:19
What must be the reason why credit card companies always rejecting me? I have been rejected by rakuten(which is the easiest card to obtain according to what Ifve read online)..

I have a stable job(been sei shain for 3 years now), good salary, long term residency and been living for the same address for 5 years..

I have been approved by my local bank for a 30 man yen,35 man yen and 65 man yen free loan 2 years ago.. although I have three delayed payments on that two years span(the longest is 3 weeks) and I always call them if Ifm going to be delayed on my payment before my due date.. so I thought I will be approved for a credit card..

Will my delayed payments contribute to my failure on getting a credit card?
What other factors might cause them to deny my credit card?
Thanks in advance for answers..
by Altron  

Re: Ifm always rejected for a credit card. 2019/2/18 16:02
There are many factors which we never know.
But I am afraid that your three delayed payments can be a contribution of rejecting credit cards.

Japanese Credit companies have a strict policy, especially against foreigners if it is about applying credit cards. Normally a company would check your status individually but many foreigners have left Japan also with open payments.

Personally I started with Rakuten also and got rejected the first time, but that was because I was less than one year in Japan.

Keep trying or contact the helpdesk and ask the reason why you are rejected. Maybe you can talk with them.
by justmyday rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/18 18:53
Maybe you currently owe too much money on your loans???
by hakata14 (guest) rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/18 19:19
With three late payments on a loan, I suspect even a Japanese citizen would have trouble. You just don't get late on your bills in Japan.
by ... (guest) rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/18 20:23
Definitely seems random.

I applied for a Rakuten credit card on the first month of arrival and soon after, I got my card in the mail. I worked for a small company too.
by apparition rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 12:11
Thank you for your responses..

I ask the hoshou gaisha (JCS servicing center)of the loan Ifve made before I took my last loan(65man yen)
I aske them if i was on their black list because I was going to take a loan again.. they did not answer me directly but they told me to watch out for my delayed payments for if it will continue it will affect my credit status.. then after a week, I took the 65man yen loan at my local bank.. they approved me after 2 weeks..

So I think Ifm not yet in their black list..(atleast on my own understanding)

Or maybe I have took so much loan and thatfs the reason they reject me on my credit card application..

I want to try again on different credit card.. what are the best (for a foreigner) credit card besides rakuten? Thank you..
by Altron rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 12:41
I think your change will be slim since you need to inform about your current situation and also they do background check. If you have a loan than you will have difficulties with credit card companies in Japan.
by justmyday rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 13:39
I finally got my credit card changing bank to Prestia (ex Citibank). Before that I git rejected twice by Rakuten. Had applied once when I just had started my job and once about a year after. I didnft have any loans, no delays in any payments and about 11 m salary. Still got rejected.
My husband even got rejected by Rakuten and an other company (donft remember which) although he had a salary of around 30 m yen.

So from my experience you need to find a bank that you can use for your current account and that will give you a credit card. Prestia worked for me. But thatfs no guarantee it will work for you.

An other possibility is to ask your company to help.

by ... (guest) rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 14:29
I cannot be sure, just collected information.
Delayed payment seems to be the biggest reason.
Also they may suspect the fact that even you make quite good money as you said, you still loan money and made the delay paymentc

So next time you apply (I recommend after you payed off your current loan), consider below.
The inspection tends to be less strict.
*When apply do not apply cashing, only for shopping.
*Card with no travel insurance.
*Choose consumer credit card companies such as ORICO card.
*I wonder your loan company have credit card.
by ... (guest) rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 17:42
I got rejected only because I was just 6 months in Japan.

After 1 year I applied Rakuten and got the credit card.
Curently I have VISA, JCB and MASTER
by justmyday rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 18:12
Debit cards are easier to get.
by JapanCustomTours rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 19:35
You also get rejected - for having been rejected. That is, the more you apply and get rejected, the more you will be rejected. Every application and result is shared in an industry database, and if it looks like you are credit shopping many will reject you. I believe those rejections age-off after 6 months.
by Paul (guest) rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/19 23:40
Thanks again for your responses and advices..

I applied for a credit card 6 times now in the past 3 years and still get rejected..

Well I got a debit card from 7bank but I wish to had a credit card for emergency situations since a loan in a bank would take 3 weeks to 1 month to be approved(50/50)

Anyways thank you guys for all the advice..
God bless you all..
by Altron rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/20 00:49
*have
Damn auto correct..

Well anyway thank you again..
by Altron rate this post as useful

Re: Ifm always rejected for a credit card. 2019/2/20 09:18
Sorry to hear of your problems with credit card applications, I've known many others in a similar situation to yours although most of them have only been in Japan for a year or so.

The Rakuten credit card is iffy, some get one immediately some never do. Have you tried applying for an AEON credit card? That worked for some people I know who got rejected from Rakuten.
by maxfullpower (guest) rate this post as useful

Re: Ifm always rejected for a credit card. 2019/4/23 14:29
Hi guys! I would like to inform you that I got my first credit card.. I got an SMBC visa card yesterday.. Thanks for all the advices I received from you.. if you wish to have a credit card I would recommend you join yolo japan and they will guide you to get a SMBC credit card.. again thank you all for advices.. Godbless us all
by Altron rate this post as useful

reply to this thread