/en/tags/credit-card-examination/Recent content in Credit-Card-Examination on Guide to Credit Cards, Smartphone Payments, and Rewards in JapanHugo -- gohugo.ioenMLI PayThu, 14 May 2026 13:30:00 +0900/en/credit-card/how-to-pass-credit-card-screening-tips-and-precautions/Thu, 14 May 2026 13:30:00 +0900/en/credit-card/how-to-pass-credit-card-screening-tips-and-precautions/<img src="/img/thumbnail/pass-credit-card-screening-tips-en.png" alt="Featured image of post How to Pass Credit Card Screening: Tips and Precautions" /><p>When applying for a credit card, the screening (審査) is always a major concern. While card issuers keep their criteria confidential, there are distinct reasons why applications get rejected. We share critical tips to help you pass the screening.</p> <h2 id="what-card-issuers-look-at">What Card Issuers Look At </h2><ol> <li><strong>Applicant Attributes</strong>: Age, occupation, annual income, years of employment, and housing status.</li> <li><strong>Credit History (クレヒス)</strong>: Records kept by personal credit bureaus (like CIC in Japan) documenting past loans, credit card balances, and payment histories.</li> </ol> <h2 id="tips-to-increase-approval-rates">Tips to Increase Approval Rates </h2><ul> <li><strong>Avoid Multi-Applying</strong>: Applying for multiple cards within a short span signals financial distress. Stick to 1 or 2 cards a month.</li> <li><strong>Set Cashing Limit to Zero</strong>: Requesting cash-advance limits initiates stricter regulatory checks, raising the bar.</li> <li><strong>Input Accurate Data</strong>: Typos or discrepancies on your application can trigger instant rejection.</li> <li><strong>Pay Smartphone Installments on Time</strong>: Device installments count as loans. Missed payments will damage your credit score.</li> </ul>