I am planning on applying for another Japanese credit card, mainly as a backup card as sometimes when I’m overseas my Rakuten card is blocked due to overzealous security on Rakuten’s side. (It happens more often than you think). Hence it would be a good idea to have a backup.
My question, are there any penalties or downsides of having a credit card in Japan but barely using it? Does it affect your credit score negatively or anything else?
by Antarctic-adventurer