My goal is to build up my positive credit rating so to be able to get a credit card.
I've been in Japan 3 years, with a good visa and income. But I have been rejected for credit cards, including Rakuten and EPOS, no idea why. CIC seems to draw a blank, which indicates zero credit history (been a nightmare)
I was planning on changing my phone provider to build my credit (sadly would cost more), and to use Amazon Orico to make monthly installments on a purchase. I can't find much resource on if Orico would contribute to a positive CIC rating, but ChatGPT seems to think so, but I'd prefer to hear from those that may have experience.
Regarding Orico – does the value of the installments play a role in credit ratings (if at all)?
Thank you
by jupetoh