Credit Card Guide

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