Business Credit Cards in Japan: What Actually Works for Hospitality Operators and Freelancers
When I set up BenStay LLC, I assumed getting a business credit card would take twenty minutes online. Instead I got a rejection from one major bank, a ¥300,000 limit from another that barely covered a month of cleaning supplies and OTA-adjacent expenses, and a lot of confusion about why a company with real revenue was being treated like a credit risk.
This is a common frustration for new operators, and the reasons are not always obvious before you apply.