Attended the naitei welcome ceremony, now waiting for further instruction for what to do

Good question! I got mine after a few try. Normally  bank CCs are the hardest. Try shopping complex like Isetan/Takashimaya. They are the easiest. That was my first card. Heard that Rakuten is easy as well. Been told that the reason its difficult for foreigners is because we do not have any credit information. Once you get your first one, use it for while to build up your credit history then it will be easy.

Isetan. Got it after 6-9months in Japan. Cannot really remember exactly when. When first arrived, I tried banks that I have an account and yodobashi but got rejected.

Most big players, like ISetan, Aeon Takashimaya have thier own CC. During promotion period, they even give you cash voucher just to apply. So just apply and you have nothing to lose even if it is rejected!

Just left Japan and having spend a few years there, not much you can do to reduce income tax. Normally if you have a house, or a child you can have some deduction. Buying insurance or also proof that currently you are supporting your parents is also tax deductible. How to show proof you have to ask around....

It is around 80k rm per annum for senior executives level and she sustains a simple lifestyle over there.

I really really really want to work and stay at Japan. Currently working as System Engineer (IT & Instrument) in Oil & Gas Industry. Always a fan of Japan culture & product. Even sometimes considering to work as a factory worker at Japan. Haha...

I'm totally cannot read & speak Nihon but can understand a bit what their speak. Visit to Japan once before for holiday