#Japan #Survey #Tokyo #Credit Cards #Kokomora

Understanding Credit Card Approval Experiences

Recently, Kokomora conducted a comprehensive survey focusing on credit card approval processes among Japanese individuals. The aim was to gather firsthand insights from users about their experiences and attitudes towards obtaining credit cards, especially when considering cards perceived as less stringent in their approval criteria. This article delves into the results of the survey, revealing intriguing patterns and beliefs among respondents.

Key Findings

Interest in Easy Approval Cards

One of the most striking findings from the survey is that approximately 20% of participants have at some point considered applying for a credit card without a rigorous approval process. The primary reason behind this inclination was attributed to instability in employment or income, as indicated by 34% of the respondents who identified this as a significant factor.

Experiences with Rejections

Interestingly, despite the high interest in easier approval cards, only about 20% of participants reported having ever experienced rejection when applying for a credit card. This suggests that while many are aware of potential hurdles, the actual instances of rejection remain relatively low.

Awareness of Family Cards

The survey revealed that only 15% of respondents believed it was possible to obtain a credit card without any approval process, while 12% were aware that family cards typically do not require such evaluations. It's evident that there remains a limited awareness regarding the mechanics of family cards in the context of credit applications.

Context Surrounding Applications

When analyzing the circumstances under which respondents applied for cards they felt were easier to obtain, the most prevalent situation was being unemployed, cited by 12.65% of participants. This could indicate a trend where certain individuals resort to these cards out of necessity when traditional employment resources are not available.

Perception of Approval Processes

Survey participants shared their perceptions of what made a card easier to acquire. A significant 38.74% felt that the simplicity of completing the application online contributed to their impression of a lenient approval process. Additionally, 31.23% mentioned that a quick approval time reinforced this belief, while 29.25% noted that the lack of strict employment or income verification made it seem more accessible.

Survey Methodology

The survey employed internet research techniques using a tool known as Freazy, targeting a demographic of individuals aged 18 and above across Japan. A total of 253 valid responses were collected between July 28, 2025, and August 4, 2025.

Demographics of Participants

The participant breakdown included 173 males and 80 females, providing a balanced view on perspectives regarding credit card approvals. This demographic data can offer insights into how different genders might perceive credit applications differently, though this survey did not delve into those variances in depth.

Respondent Queries

Participants were also asked about their motivations for considering cards perceived as having relaxed approval standards. Here are the key reasons:

• - Unstable income (33.90%)
• - Concerns about credit history (22.03%)
• - Employed in non-permanent positions (18.64% and others)

Overview of Kokomora

Kokomora aims to be an essential resource for individuals seeking comprehensive information about various products and services relevant to their everyday lives. By promoting transparency and accessibility, they strive to empower users to make informed decisions regarding their credit options.

Conclusion

The results from Kokomora's survey provide valuable insights into how potential credit card applicants navigate the complexities of approval processes. By understanding the motivations, perceptions, and experiences of users, financial institutions can better tailor their offerings to meet consumer needs and alleviate fears associated with credit applications.