ใฏใฌใธใใใซใผใใฎ็ณ่พผใฟใใใใใฎใงใใ
ใฏใฌใธใใใซใผใใฎใใใใใฟใใใใใฎใงใใ
I'd like to apply for a credit card.
POINTโI want itโ โ โI want to applyโ
Banking/Finance
Credit Card
The Japanese you need for Credit Card, in natural keigo. Procedure flow ยท NG warnings ยท 9-language parallel translations
This page helps foreign residents and long-term visitors handle "Credit Card" with daily Japanese phrases for living in Japan, practical examples, and common mistakes to avoid.
What this page helps you say in Japan
This page focuses on Credit Card and teaches useful Japanese phrases for daily life in Japan, including natural replies, polite alternatives, and practical wording for foreigners living in Japan.
What You'll Learn on This Page
- First word of application
- How to tell your occupation/annual income
- Telephone support for screening
- Checking the limit and revolving payment
- Identity verification when receiving
Practice Phrases (10 Total)
ๅนดไผ่ฒป็กๆใฎใซใผใใฏใใใพใใ
ใญใใใใฒใใใใใฎใซใผใใฏใใใพใใ
Are there cards with no annual fee?
POINTRecommended questions for first-time users
่ทๆฅญใฏไผ็คพๅกใงใๅค็ถๅนดๆฐใฏโๅนดใงใ
ใใใใใใใฏใใใใใใใงใใใใใใญใใใใฏโใญใใงใ
I'm an employee with โ years of tenure.
POINTBasic information about the examination
ๅนดๅใฏ็จ่พผใงโโไธๅใปใฉใงใ
ใญใใใ ใใฏใใใใฟใงโโใพใใใใปใฉใงใ
My annual income is about โโ 10k yen including tax.
POINTAsked for ``tax included'' instead of ``take home pay''
ๅจ็่ณๆ ผใฏโโใๅจ็ๆ้ใฏโๅนดใงใ
ใใใใ ใใใใใฏโโใใใใใ ใใใใใฏโใญใใงใ
My residency status is โโ, period โ years.
POINTTransmission of residence card information
ๆฌไบบ็ขบ่ชใฎใ้ป่ฉฑใๅใใพใใ
ใปใใซใใใใซใใฎใใงใใใใใใพใใ
I received the verification call.
POINTTelephone support during screening
ๅฉ็จ้ๅบฆ้กใฏใใใใซใชใใพใใ
ใใใใใใฉใใใฏใใใใซใชใใพใใ
What will be the credit limit?
POINTThe first time is generally 100,000 to 300,000 yen.
ใชใๆใใฎ่จญๅฎใฏใใใซใ้กใใใพใ
ใชใใฐใใใฎใใฃใฆใใฏใใใซใใญใใใใพใ
Please don't set up revolving payment.
POINTImportant for avoiding interest rate troubles
ๅผใ่ฝใจใๅฃๅบงใๆๅฎใใฆใใใใใใงใใ
ใฒใใใจใใใใใใใฆใใใฆใใใใใใงใใ
May I designate the withdrawal account?
POINTLink to bank account
ใซใผใใฏใใค้ ๅฑใใพใใ
ใซใผใใฏใใคใใใจใฉใใพใใ
When will the card arrive?
POINTUsually sent by registered mail within 1-2 weeks
Want to practice these phrases out loud?
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Practice with ECHO App โFrequently Asked Questions
Q. Can foreigners get a credit card?
A. Permanent residence and spouse visas are available at most credit card companies. It is relatively easy to get a working visa with Rakuten Card, Epos Card, Amex Card, etc.
Q. What are the main reasons for not passing the examination?
A. Short period of stay, lack of years of service, past payment delays, etc. For the first time, it will be easier to get through if you start with a distribution card (AEON/Rakuten).
Q. How to increase the limit?
A. After accumulating usage history for 6 months to 1 year, you can apply for a limit increase. Requests can be made from My Page.
Q. What should I be careful about when paying revolving credit?
A. Even with fixed monthly repayments, the interest rate is around 15% per year, making it difficult to reduce the principal. We usually recommend a lump sum payment.
Q. What cards can I use overseas?
A. VISA and Mastercard can be used worldwide. Amex and JCB can also be used at major stores, but the acceptance rate will be lower.