Credit Cards

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Card Campaigns, Credit Cards, Hot Tips, Lifestyle, Stay for Less

Marriott Bonvoy AMEX Referral|Up to 111,000 Points (Increased Offer)

Key Takeaways: Applying through a referral link and spending ¥1.5 million within six months earns up to 111,000 Marriott Bonvoy points — roughly one night at the Tokyo Ritz-Carlton, and more than the ¥82,500 annual fee. Smaller budgets still work: ¥300,000 in three months returns 19,000 points. Applying directly on the official site puts that same bonus at 45,000 instead of 56,000, for a 100,000-point total. Latest Campaign Alert Marriott Bonvoy AMEX Premium Get up to 111,000 Points Easily earn back the annual fee! Worth ~1 night at Ritz-Carlton ⏰ Campaign period: applications by October 5, 2026 Campaign Highlights Great opportunity – Up to 111,000 points, easily covers the annual fee High value – Worth ~1 night at Ritz-Carlton or ~3 nights at regular Marriott Referral only – Must apply through referral link to qualify We Can Send You a Referral Link The boosted bonus applies only to applications made […]

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Money-Saving Tips, Card Campaigns, Card Reviews, Credit Cards, Point Deals, Points & Miles

Rakuten Card Ribo Points Trick: A Foreigner’s Safe Guide

Key Takeaways: Register ato-ribo on ¥40,000 in Rakuten Card charges for 2,000 points, or ¥70,000 for 4,000, then repay in full through e-NAVI the same day so interest stays near zero. Leave the balance revolving and it accrues about 17.64% APR on a standard Rakuten Card, erasing the reward. The portal and deadlines are Japanese-only. 💳 Rakuten Card “Ato-Ribo” Campaign Guide Earn 2,000-4,000 Rakuten Points with Almost Zero Interest! Rakuten Card runs a monthly “Ato-Ribo” (後からリボ払い) campaign where you can earn 2,000-4,000 Rakuten points simply by converting purchases to revolving payments. With the method explained in this guide, you can earn these points while paying almost zero interest! 📅 Current Campaign (January 2026) Campaign Period: January 9 (Fri) – January 22 (Thu), 2026 Requirement Reward Effective Rate Ato-Ribo ¥40,000+ 2,000 points 5.0% Ato-Ribo ¥70,000+ 4,000 points 5.71% ⚠️ You must set “Ribo Payment Course” to ¥10,000 or less Quick answer

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Japan Survival Guide, Card Reviews, Credit Cards, Lifestyle

What is CIC Credit Report? Online Check ¥500 [E1235 Error Solution]

Key Takeaways: CIC discloses your Japanese credit records online for ¥500, delivered as a PDF, with service running 8:00–21:45 and re-disclosure free within 96 hours. A mail request costs ¥1,500 and arrives in about 10 days. If error [E1235] blocks online identity verification, one call to 0570-666-414 makes that mail disclosure free. What is CIC (Credit Information Center)? CIC (Credit Information Center Corporation) is a designated credit information agency in Japan that manages personal credit information. It records and manages credit card and loan application histories, payment statuses, outstanding balances, and other credit information, which financial institutions reference when conducting screenings. When living in Japan, financial institutions check your credit information whenever you apply for credit cards or housing loans. The information registered with CIC is like a “resume” of your financial transactions. By regularly checking your credit information, you can verify that the records are accurate and that there

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