Originally Posted by lark485
In My understanding SMBC is one of the most difficult card to have.
According to Japanese BBS, difficulty will be (Easy) Sony Finance(Elio)<JCB<SMBC<Diners (Hard).
2) You should include copy of your foreign registration card.
3) Banking loan would considered to be negative and lower you credit score.
7) If you are self employee it is also considered negeative in Japan.
Sony Finace is said to be easy to own, but I do not know about their policy for foreigners.
I got my reply from Sony Finance today and I got a rejection on the ANA Elio card. I am puzzled since I did sucessfully get a credit card from Mizuho Bank and a Card Loan from JCB's FirstLoan+.
Sony Finance never called my company and ask for income verification nor did they ask for copies of my Alien Card.
I reapplied with Sony Finance online and list my job title as "Network Administrator" as my job instead of "English Teacher" and increased my time of employment and asked my manager to collaborate if Sony calls. I hope this works...
Also, I got a leter from a collection agency recently. This letter is for the previous renter of my apartment and not for me. I wonder if this is affecting my application?