I have a bank account with SMBC and Prestia but for whatever reason I got rejected for their Credit Cards. I also have balance on there, no housing loans, and a middle class income. I got my CIC report but I wasn’t anywhere on there even though I’ve been paying off my Softbank bills monthly no problem. I also immediately got rejected by Rakuten as well.
2 questions
– I may have a small credit card balance (3000 yen?) from 11 years ago that I may or may not have paid off. Does this still show up on my credit report or something?
– What’s the easiest Credit Card I can apply for just to start building a credit history?
Thank you!
by len_anonymous