I got a reply from them today

第22条　（会員資格の取消）
本会員の信用状況が悪化したと認められるときも前項に準じるものとします。

Which means that if my credit rating by credit agency's in Japan goes down, it can cancel my card.

I don't know what is on my credit file in Japan. I have a very good credit rating in Canada. There are no bad loans in Japan, no morgage, no car loans, just ANA Super Flyers Card. All my bills were paid off the before I left Japan.

So either there is a identity theift in Japan or they are playing games

The sad part of this story is that they do know I have been using thier oversea help desk for 2 years. It is almost impossible for me to be applying for cash-cards, credit cards or bank loans in Japan while I am overseas. So if there were Japanese loans/cards/stuff opened within the last 2 years, they should know it wasn't me.

Another probable explanation is that I have no taxable income from Japan anymore. So with a 200,000yen credit card with no Japanese income, the credit rating goes down. But then again, folks at Mitsui card knows I hold a Canada government job. Each month, they sent their statement to my office. I have sent my Canada Income Tax return of 2007 to them along with recommendation letter of approval letter from Super Flyers Desk / Platinum Service Desk to them yesterday. If no income is the reason, my Canada Tax return should be able to blunt that reason.

My passport expires this year. My Foreigner's card expires next year. By the time I get my new my passport (I am adding my Christian first name on it), and then a new foreigner's card (which only shows both my English and Chinese name), my credit file will be whiped out and my credit file will have to start from scratch again. If I can just get pass this, I would have a continous 4 years of credit history with Sumitomo next time around.