Japanese is クレジットカード Pinyin pronunciation: ku lei ji tou ka (long sound) dou The biggest function of Japanese credit cards is to make payments. Of course, online payments are also possible. When paying, you can also choose to pay the total amount in installments, pay at the end of the year, or pay in installments with an amount you specify each month. Even after you have paid, your payment method can be changed online or by phone. Japanese credit cards can be used not only for shopping, but also for paying utility bills, mobile phone bills, insurance premiums, Internet bills, etc. Credit cards now also have a function that allows you to borrow money. This depends on the credit card limit you apply for. For example, if you want to apply for a credit card that can borrow 100,000 yen, the credit card company will investigate your repayment ability, not who All applications can be successful. But generally, if you apply for a credit card that can borrow 30,000 or 50,000 yen per month, you can get it.