So sometimes they have campaigns where they say they'll give you X points if you put Y amount in yen in "pay later" (リボ). Or it can be setup your account so default when using card is to go to "pay later" instead of your monthly bill and get points. For every yen you put into リボ, you pay ~18% annualized rate monthly, so about ~1.4% (I don't remember the exact numbers).frodesky wrote: ↑Fri Aug 13, 2021 2:33 am There's another trick I've seen mentioned for temporarily changing the ribo-barai setting and getting points during campaigns, but I couldn't quite figure out what the Japanese articles were saying, plus I didn't want to risk paying interest on the card if I screwed things up.
You have to read carefully the campaign, but for example once I put 20,000¥ in リボ, and you pay interest rate on it at least once => ~300¥ at most, but you receive 2000 points for it. So that one time I made like 1700 points in profits. They basically pay you to get familiar with their credit line service so you are more likely to use it one day I guess.
You have to understand what you are doing too, because the default reimbursement amount is very low, and if you don't change to pay all your リボ in 1 month, then you will pay more in credit, etc... So it's all about more hassle for more points.
An important note about doing furusato during a marathon: there is a maximum amount of points you can get from SPU during a marathon, read the campaign carefully and spread your furusato over several months if needed.
