So I come from a country where most people use debit card for almost every daily expense, and credit card for bigger purchases or online shopping.
Plus of debit card: the spent money is taken from my bank in real time, so my balance is always accurate.
After being in Japan for 3,5 years I managed to get a credit card (debit was rejected because yuucho doesn’t like my 1 year visas apparently), so I wonder how to smartly track expenses.
I guess I am not used to it, but the fact that everything I spent will only be taken from my bank end of next month is kind of anxiety inducing for me. For online purchases here and there, sure, but all of it? There also seems no option to pay earlier haha I wish I could just pay off weekly.
For you without the debit card, do you use PayPay for smaller stuff? Or do most people just not care about the looming payment and use credit card for everything from famima coffee to grocery shopping.
I don’t have too many savings, and I am definitely not spending more than I could pay, just the fact that they already purchased stuff is paid so much later is kind of new to me and wonder how to manage that best. I do want to take advantage of points and genkin-free live, so would appreciate advice
by fruitbasketinabasket