Edit: I am a citizen of the United States, as I have not yet been forced to relinquish it, I still have the passport somewhere. I just never use it. I have never lived in the US for any extended period of time. Apologies for omitting the information.
Apologies if this is perhaps too broad/common of a question, I took a search through the subreddit for posts talking about savings but could not find something satisfactory.
Right now, all I have been using is just a regular Japan Post Bank checking account, complete with a debit card and nothing else. But I've been thinking of looking into if it's possible to open a savings account if it has a decent yield, or some sort of investment because my impression is that savings accounts don't have high yield here. I don't make that much money, but I can spare some to set aside if possible, rather than letting it sit in checking doing nothing.
I saw NISA accounts mentioned a lot here, but as I know very little about the world of personal finance, I searched and now have an idea of what it is but have no idea where it would be best to open one or in what fund I should put money into.
My other question is regarding a credit card. I've heard a lot of general advice that it is good to use a credit card and diligently pay it off, but this was mostly in the context of the US. I wonder if it's the same case in Japan, and if it's worth getting a credit card, and if so, from who?
Thanks in advance.
by fjgwey