Is the rush in December a loss? “Hometown Tax Calendar” to be prepared from autumn
Are you donating your hometown tax in bulk at the end of the year in December? At the end of the year, not only do servers become congested and gift items run out of stock, credit card slots tend to be squeezed and campaigns are often missed.
The golden schedule for completing donations in the most economical way is a diversification strategy that uses 70-80% of the donation limit during the ``large return period from September to October’’ and leaves December as a fine-adjustment limit after annual income is determined.
Optimal mapping of portal site x credit card
By choosing cards that are compatible with each portal, you can earn several times the normal return.
- Rakuten Hometown Tax x Rakuten Card Concentrated payments will be made on “days with 0 and 5” during the “Shopping Marathon” period. By linking SPU and shopping around, you can get a high return of 15% or more.
- Satoful / Furunavi × Sumitomo Mitsui Card or PayPay Card Pre-enter and pay for the mega reward campaign that will be held in autumn on each portal. The grant rate of gift codes, etc. will greatly increase.
- Yahoo! Shopping version Furunavi Satofuru × PayPay card You can easily aim to earn around 10% by timing the “Super PayPay Festival” or “day with a 5”.
Three eyes to determine risks that are not eligible for points
When paying by credit card, there are three blind spots that are often overlooked.
- Return rate halving rule for specific member stores: Some card companies are making revisions that will reduce donation deductions and point award rates at specific member stores to half the normal rate (1.0% → 0.5%).
- Exceeding campaign limit: If you make a single payment of 100,000 yen, there is a risk of exceeding the per-time or monthly grant limit.
- Card name mismatch: If the payment is not made with a card in the name of the person receiving the residence tax deduction, there is a risk that the deduction will be invalidated.
Action checklist after donation completion
- Has the maximum deduction amount been recalculated using the latest estimated annual income?
- Did you make the payment using a credit card specializing in refunds in your name?
- Have you completed the one-stop special application form (or online application)?
- Have you prepared to check the deduction amount in the residence tax decision notification that will arrive in May or June of the following year?