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damn name wrote:Time and permanent residency changes many things. I found it easy to get a Saison AMX and Visa, plus getting a Visa from my bank was as easy as asking for a napkin.
damn name wrote:Time and permanent residency changes many things. I found it easy to get a Saison AMX and Visa, plus getting a Visa from my bank was as easy as asking for a napkin.
dimwit wrote:Whatever you do, never try to get a credit card through Japan Post, absolutely hopeless twats.
Samurai_Jerk wrote:When I opened an account at Shinsei they asked if I had an Amex in the US. When I said I did, they asked for my card number and name as it was registered with Amex in the US. They said it was easier to get approved that way and I was approved despite only being back in Japan for two months after 4 years out of the country, being on a student visa and only having a part-time job which I had just started that month as my sole source of income.
My point is that if you have an Amex in your home country and you're in good standing, it seems they do actually consider that when deciding whether or not to give you a credit card in Japan. Since then I've been rejected for three Visa Cards: once by MUFJ and twice by Shinsei.
FG Lurker wrote:I got an AMEX from Costco a few years back. I can't remember if I had PR at the time or not. Tried to apply for a Costco Orico MasterCard just after that and was denied. Not sure if AMEX is more gaijin-friendly or not but the applications were identical and one was approved an the other not, so...
chokonen888 wrote:I've been hearing this was the easiest place to get a card through...only one I've yet to try actually.
dimwit wrote:No,no,no. They are the absolute worst. Bureaucratic beyond anything I have ever experienced in immigration. For example, since I have a double barrel middle name they insisted on using for my postal savings account except that for some reason only known to them they dubbed me First name-last name-middle name name-middle name. So they wanted me to apply for a credit card with my name in that order, which I told them was wrong, after a bunch of teeth sucking they phoned Mastercard and told me to come back I few days later. Mastercard told them that they only accept 18 characters on the card (my complete name has 26) so that they guessed it was okay. I returned to the post office about a week later they insisted that they needed an extra three document to prove that my name was actually in the order that I told them it was in. Another few days of various fool's errands and they finally processed my application. I week or two later I got a rejection letter.
The very next day they had the cheek to ask my wife if she wanted to buy insurance from them.
Samurai_Jerk wrote:I think it really depends on individual experience. I've heard the post office is easier too.
By the way, does anyone know if there really is a difference? It's not the banks that reject your application, it's some sort of credit agency. Isn't everyone sending the application to the same place?
Yokohammer wrote:I believe the people issuing the card decide whether to accept you, be it a bank, store, gas stand, or whatever.
They all check your credit history at the same credit agency though. I think there are two credit agencies that most of the credit card issuers in Japan use ... and I've completely forgotten the name of the main one. I'll check.
Samurai_Jerk wrote:When I get rejection letters they aren't from the bank though. They're from the credit agency.
damn name wrote:I was rejected the first few times, too. I had a conversation with a supervisor and was subsequently approved for two cards.
dimwit wrote:No,no,no. They are the absolute worst. Bureaucratic beyond anything I have ever experienced in immigration. For example, since I have a double barrel middle name they insisted on using for my postal savings account except that for some reason only known to them they dubbed me First name-last name-middle name name-middle name. So they wanted me to apply for a credit card with my name in that order, which I told them was wrong, after a bunch of teeth sucking they phoned Mastercard and told me to come back I few days later. Mastercard told them that they only accept 18 characters on the card (my complete name has 26) so that they guessed it was okay. I returned to the post office about a week later they insisted that they needed an extra three document to prove that my name was actually in the order that I told them it was in. Another few days of various fool's errands and they finally processed my application. I week or two later I got a rejection letter.
The very next day they had the cheek to ask my wife if she wanted to buy insurance from them.
damn name wrote:I was rejected the first few times, too. I had a conversation with a supervisor and was subsequently approved for two cards. Conversation is a two-way communication of information and a learned skill.
Confrontation is something you should grow out of, not embrace.
Yokohammer wrote:This was the way it went for me too. I was rejected at first (no credit history at the time), but some sincere and non-confrontational discussion with the card issuer broke down the barriers and I eventually got my card. Some credit card companies won't even talk to you once they've send you a rejection letter though (I found AMEX Japan to be that way, but apparently others have have found otherwise ... guess it's a matter of timing and who you happen to get on the phone that day). You have to find one that's willing to talk.
Yokohammer wrote:Here's the credit records/checking agency I was thinking of. As far as I know all issuers check your credit history with these guys.
http://www.cic.co.jp/index.html
EDIT: If you have no credit history in Japan, chances are you'll get rejected. It's catch-22: you need to have credit to build a credit history, but you can't get credit if you don't have a credit history.
dimwit wrote:Whatever you do, never try to get a credit card through Japan Post, absolutely hopeless twats.
Mock Cockpit wrote:Do you have any kind of status with any airline mileage program? Have a T-card or some other kind of retail point card? They might be worth a try, after all if you don't have a card how can you go on drunken midnight internet shopping binges. It's a fucking scandal!
chokonen888 wrote:ANA Platinum and an unused T-Card where they tried to romanize their interpretation of my name....I never thought I'd see my name in Engrish. I tried for the JCB ANA mileage card with no luck.
Mock Cockpit wrote:You could try calling the ANA Mileage Club desk directly and explaining your situation and seeing what they can do to help. I mean it'd be a shame for a Platinum level member to shift his custom to JAL, wouldn't it?
chokonen888 wrote:Hahaha, they might be happy to see me go though. My friend works for ANA and says I'm on some sort of customer watch list. (Back in 2008 while I was managing a race team, ANA dropped the ball several times and it was my job to deal with all the issues.) The real problem though, is that they aren't the ones who approve or decline credit.
Mike Oxlong wrote:It's not necessarily bad to be on the DFW list...
chokonen888 wrote:IPU, GP has some ad on their site for a gaijin friendly credit card. Might want to look into that as well. It seems like if you get one J-card and establish good credit history for 1yr+, your chances of getting approved for other cards increases despite your FGness. (though the discrimination is still there)
It's going to take me about 2~3 months to see if my Japanese alias method works but I'm already on it. All the utilities at my new address are in that name now and as soon as I have bills from them, it's off to the shiyakusho I go to get it officially registered. Next my NHI card and DL. Then I can open up a bank account in that name and apply for credit under that name using the NHI card as ID.
IparryU wrote:thanks for the infos chokonen. ughh... it may just be morning for me... but GP? the only thing that i can think of with GP is Pride... err ya...
update from my side... Shinsei offers AmEx cards... but i need visa/mastercard for savings plans, etc.
will def google GP right now and find out that stuffs
this is what I want... visa, suica, ana miles...
http://www.ana.co.jp/wws/japan/e/local/amc/reference/anacard/
will i get approved? ya... right
dimwit wrote:Whatever you do, never try to get a credit card through Japan Post, absolutely hopeless twats.
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