If anyone can shed some light onto this situation, I would be most grateful..
I am trying to get a credit card in Japan. A couple of years ago, I applied for one with my bank (MUFG) and also one outside a supermarket when they had some 'campaign' on. But I was rejected for both.
I didn't really need a credit card on those 2 occasions so I wasn't too bothered about it. But now I really need one. So I was thinking about why I got rejected those 2 times. I have been in Japan for almost 7 years now, and currently earn around 10 million yen annually. (my base salary is 450,000 per month however, and the rest is bonuses).
So I am wondering about credit rating in Japan. I don't have such a 'healthy' credit rating back in the UK, so I am wondering whether this has anything to do with it. For example, if I apply for a credit card with a very international company such as Citibank, does my bad credit rating in the UK affect my credit rating in Japan?
Also, for my first 3 years in Japan, I didn't pay any residents tax. I have been paying it for the last 4 years, but in my first 3 years, I paid zilch.
Do you think not paying residents tax in Japan affects my Japan credit rating score?
Any advice would be appreciated. Thanks in advance.
Also, if anyone knows of an easy way to get a credit card in Japan, preferably one that doesn't involve an annual fee, that would be great. (VISA or Mastercard is OK)
I don't want one to run up bills, it's because I am trying to get an iPhone. I went to try and get an iPhone today, and they said I must have a credit card. Apparently SoftBank are being really strict with gaijins now. Even though I took my gaijin card, my passport (clearly showing my visa status), and also my Japanese driving license, they still said I need a credit card. Or I would have to pay a lot of cash up front for the iPhone, which was something like 80,000 Yen!!