With the Civil Code revision in April 2022, the age of adulthood was lowered from 20 to 18. This allows 18-year-olds to apply for a credit card without parental consent and to enter into various contracts on their own.
However, when actually applying, many may feel anxious: “Will I pass the screening?”, “Which card should I choose?”, “Can students apply too?”
This article explains the Credit Card Approval Guide for 18-Year-Olds, covering what companies check, safe card choices for first-timers, and what to do if you’re rejected—easy to understand even for students.
Credit Card Screening at 18: What Do Companies Look At?
To get a credit card, you must pass a screening. So, what do companies check when 18-year-olds apply? Here we’ll explain the basics and points unique to being 18.
What Is a Credit Card Screening?
Credit cards operate on a “post-payment” system. The company pays upfront, and you pay later. That’s why companies emphasize “Will this person repay properly?” The main points are:
- Repayment ability (capacity to pay)
- Creditworthiness (past payment history & behavior)
What Is Credit History? What Does “Super White” Mean?
The most important factor is credit history, records of card/loan usage and repayment status kept by agencies such as CIC, JICC, and KSC.
Many 18-year-olds applying for the first time are in a “super white” state—no credit history. At 18, that’s not a problem. But be careful: if you’ve delayed paying a smartphone installment, that gets recorded and may hurt your screening.
How Do They Judge Payment Ability?
Companies also check if you can keep paying regularly:
- Students → Whether you have part-time job income, and how much
- Workers → Employer stability and income
Screening Particulars for 18-Year-Olds & Students
Since students and 18-year-olds often have low income, companies tend to be flexible. Key points:
Features of Screening for Students & 18–19-Year-Olds
With the law revision, those 18+ can apply without parental consent. Instead, your own credit is judged directly.
Report Part-Time Income Honestly
Exaggerating backfires. Even small but steady income may be valued.
Student ID Proof Can Help
Some student cards require proof like a student ID, making being a student a plus.
High School Students Are Generally NG
Most companies accept “18+ excluding high school students.” If you’re still in high school, you can’t apply.
However, some companies accept applications in Jan–Mar of graduation year, so apply as you near graduation.
Other Factors Affecting Screening
Companies don’t just look at income and credit history. They also consider personal information such as the following:
- Age & Occupation (students should indicate “student”)
- Annual Income (report part-time income honestly)
- School or Employer Information
- Housing Situation (own / rent)
- Length of Residence (longer = more stable)
- Phone Number (mobile OK; landline adds reliability)
Accuracy of Application Information Is Critical
Mistakes in application forms—like inflating income, listing fake employers, or typos—can all lead to rejection. Accuracy and honesty are key.
Recommended Cards for 18-Year-Olds & Tips for Approval
If you’re 18 and applying for your first credit card, you’re probably wondering which one to choose and how to increase your approval chances. Here are points to consider.
How Should 18-Year-Olds & Students Choose Their First Card?
When applying for your first credit card at 18, it’s natural to wonder: “Which card is best? Will I pass screening?” Here’s how to choose wisely.
Start with No Annual Fee
For first-timers, a no-annual-fee card is safest. Premium cards may offer perks, but at 18 you may not use them fully. Stick to affordable options first.
Look for Student Perks
“Student-only” or “student benefit” cards can include perks such as:
- High reward rates
- Annual fee waived while enrolled
- Travel insurance included
- Special discounts/campaigns
Choose a Trusted Issuer
Banks, finance companies, and retail companies all issue cards. Beginners should stick to well-known companies for peace of mind.
Selecting International Brands
Visa, Mastercard, JCB, Amex—all differ. If unsure, Visa or Mastercard is safest for first-timers.
- Visa / Mastercard: Widely accepted globally, best for first card
- JCB: Strong in Japan, Disney perks
- Amex / Diners Club: Great perks, but higher annual fees
Cards That Are Easier to Get Approved
Certain cards are considered easier to get approved for, especially for students and young applicants.
Target Student-Only or Youth Cards
These cards are specifically designed for students and young people, with more flexible approval standards:
- Approval criteria that assume lower income
- Flexible evaluation that may consider parents’ income
Cards Explicitly for “18+ (Excluding High School Students)”
When a card clearly states this, it often means it was designed with 18-year-olds in mind. Always check the official requirements.
Tips to Increase Approval Chances
Before applying, keep these points in mind to improve your chances of passing the screening:
Apply for One Card at a Time
Multiple applications within a short period may raise red flags (“application black mark”). If rejected, wait about 6 months before trying again.
Set Cash Advance Limit to Zero
Choosing a cash advance option triggers stricter screening under lending laws. To improve approval chances, set it to “0 yen” unless absolutely necessary.
Ensure Accurate Information
Errors in phone numbers, addresses, or school/employer details can cause rejections. Accuracy is essential.
Report Part-Time Income Honestly
Simply multiplying your monthly income by 12 is fine. Inflating numbers can backfire. Even with no income, indicating “student” won’t automatically disqualify you.
If You’re Rejected for a Credit Card
Even with preparation, you may still be rejected. Don’t panic—analyze the cause and take steps for your next application. Here are common reasons and solutions:
Common Reasons for Rejection
Card issuers don’t reveal exact reasons, but these are common possibilities:
- Not Meeting Application Requirements (e.g., high school students applying where prohibited)
- Typos or Missing Info (address, phone, employer info errors)
- Unstable Income (low or no part-time income may raise doubts)
- Negative Credit History (missed payments, even on phone installments)
- Multiple Applications (too many within short period = “application black mark”)
What to Do After Rejection
1. Wait About 6 Months Before Reapplying
Application history is kept for 6 months. Reapply only after this period.
2. Choose an Easier Card
Opt for student-specific or retail-affiliated cards (like Aeon or Saison) which are generally more flexible.
3. Use Debit or Prepaid Cards
Debit cards deduct directly from your bank account; prepaid cards use preloaded funds. Both require no screening and function almost like credit cards.
4. Consider a Family Card
If your parent has a credit card, you may be able to use a “family card” under their account.
5. Check Your Credit Report
If you’re unsure why you were rejected, request your credit report from agencies like CIC or JICC. It helps identify issues like missed payments.
Precautions When Using a Credit Card at 18
Once you’ve obtained a credit card, the next step is to use it wisely and safely. Credit cards are convenient and rewarding tools, but misuse can lead to trouble or debt. Here are key points for first-time users:
1. Avoid Overspending – Plan Your Payments
Because you can buy without cash on hand, it’s easy to overspend. To avoid missed payments:
- Regularly check your statement to know “how much you spent this month.”
- Ensure your bank balance covers upcoming payments.
- Spend within your means—stick to affordable purchases.
2. Be Careful with Revolving Payments and Cash Advances
What is Revolving Payment?
You can set a fixed monthly payment, but high interest rates mean you may end up paying more overall.
- Avoid using it without fully understanding the system
- Large balances can lead to long-term debt
What is Cash Advance?
A feature allowing you to borrow cash via your card. However, it’s essentially high-interest debt.
- Use only when truly necessary
- Repay as quickly as possible
Both revolving payments and cash advances should be avoided except in emergencies.
3. Manage Your PIN Securely
Your PIN must remain secret. Choose wisely and store it securely.
Numbers to Avoid
- Birthdays or phone numbers
- Repetitive digits (0000, 1111, etc.)
In Case of Loss or Theft
- Immediately contact your card company to suspend usage
- Most cards include theft insurance, but delays may void coverage
4. Be Aware of Card Information Leaks
There are scams and fraud targeting credit card info. To protect yourself:
- Do not click suspicious links in emails or texts
- Never enter card info on untrusted websites
- Check statements only via official apps/sites
- Report suspicious charges immediately
Checking your statements regularly is the best way to detect fraud quickly.
Careful Use Is Key for 18-Year-Olds
For first-time cardholders, being extra cautious is essential until you get used to it. Keep track of spending, payments, and information security.
Graduation Is a Chance! Why You Should Apply While Still a Student
As graduation approaches and you prepare for life as a working adult, many consider applying for a credit card. Here’s why applying before graduation is advantageous.
Benefits of Applying While a Student
Students Often Have an Easier Time Passing Screening
Compared to applying after becoming a working adult, students generally have a higher chance of approval.
- Student-only or youth-focused cards are designed with flexible criteria, targeting future loyal customers
- Part-time income is often sufficient
Free Student Cards Can Be Used Long-Term
Many student cards waive annual fees while you are in school, and some continue to be free after graduation. Applying early can help you enjoy long-term benefits.
Choosing Cards After Graduation
Consider Upgrading to Status Cards
Once employed with stable income, you may be eligible for Gold or Platinum cards, which offer exclusive benefits for professionals.
- Airport lounge access
- Comprehensive travel insurance
- Concierge services
Choose Cards That Fit Your Lifestyle
Select cards that match your work and life after graduation. For example:
- Frequent business travel → airline mileage cards
- Regular shopping → retail or co-branded cards
- Frequent overseas use → focus on global brand benefits
Things to Check Before Graduation
1. Update Your Registered Information
If your address, phone number, job, or income changes with graduation or employment, update your card details with the issuer to ensure smooth usage.
- Cards won’t be delivered if the address isn’t updated
- Updating work/occupation details is vital to maintain credibility
2. Be Aware of Student Card Conversions
Some student cards must be converted to a general card after graduation. Check issuer notices to avoid missing important updates.
- Some convert automatically, others require manual application
- Annual fees and benefits may change upon conversion
Graduation Is the Best Time to Reassess Your Card Strategy
Graduation marks the last opportunity to enjoy student-only benefits. Take advantage of this time to prepare for a smooth and convenient financial life as a working adult.
- Apply for at least one card while approval rates are high
- Choose cards suited to your upcoming lifestyle
- Don’t forget to update info or handle card conversions
Summary: A Credit Card at 18 Is Your First Step Toward Building Future Credit
In this article, we covered “How to Pass Credit Card Screening at 18”, including what issuers check, tips for choosing your first card, what to do if you’re declined, how to use cards safely, and what to consider before and after graduation.
Having a credit card at 18 can be highly convenient and rewarding if used responsibly. Beyond the ease of cashless payments, benefits include point rewards, exclusive offers, and even travel insurance.
The key is to understand how credit cards work and use them within your means. Remember, the screening process is essentially an evaluation of your “creditworthiness.” By applying the advice in this article, you can select the right card for your needs and build a positive financial foundation for the future.
If you’re nervous about screening, start with a student-focused, no annual fee card. And if you happen to be declined, don’t panic—analyze the reason, make adjustments, and try again at the right time.
