Credit cards being charged more than once in Japan

When I gocto a shop in Japan, whenever I pay for something with a credit card, I am always asked if I want to charge my purchase more than one. My Japanese isn't very good, so I may be misunderstanding what is being asked, but what is the reason for this?

japan payment-cards

Best Answer

Japanese credit cards usually allow you to pay for purchases in two monthly installments, at no extra cost. If you want to do this, you must mention it at the time of purchase, which is why many shop clerks will ask (lest you forget). I do not know what happens if you try to do this while your (presumably foreign) card does not allow it.

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Why do Japanese not use credit cards?

Credit Cards = Debt = Should be Avoided Since use of a credit card means you potentially going into debt, some Japanese do not support credit card usage. Others are concerned about spending more money than they make.

How does credit work in Japan?

Japan. There is no official credit score system in Japan. However, the credit score of a person is still calculated in various ways. For citizens of the country, a good credit score depends on the length of employment and the salary they earn.

Is Visa or Mastercard better in Japan?

Visa and Mastercard are equally and widely accepted in Japan. You'll need cash at ryokans, small shops and mom and pop food stalls, etc. If you're planning to go to a rural area, get cash before you go. You can easily get cash using your ATM card at a post office or 7-11, but it's wise to have a backup such as TC.

Do credit cards work in Japan?

Credit, debit and prepaid cards of international brands are generally accepted throughout the country. There will be instances where stores may not display the symbols of the cards they accept, so ask the salesperson if you can use your card.

Japanese Credit Cards: Learning about different payment methods. 楽天カードのリボ払いについて Pt. 1 [英語]

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