RetireJapan

Bonus points don't apply for people that quit and rejoin. I already posted the info above for how to convert the Rakuten bank credit card to a standard Rakuten card.

楽天銀行カードをお手持ちのお客様で、カードの種類の変更をご希望の場合、現在お手持ちのカードをご解約のうえ、再度新規にてお申し込みいただく必要がございます。

新規カードお申し込みについて
お手持ちの楽天カードをご解約後、2日後以降に新規カードをお申し込みください。
カードお申し込みには、審査がございます。
審査の結果、ご希望に添えない場合がございますので、あらかじめ、ご了承ください。

ご注意

入会特典のあるキャンペーンでも、再度お申し込みの楽天カードは、入会特典の対象外となりますので、あらかじめご了承ください。
新規でのお申し込みとなりますので、楽天e-NAVIのご利用にはカードの追加登録のお手続きが必要となります。
初回のみご利用開始手続きが必要になりますので、カードをお手元にご準備のうえ、お手続きをお願いいたします。

KCLenny wrote: ↑Tue Aug 30, 2022 10:48 am Why can they never make things simple?

Okay, so when you say make a new one from scratch, I assume I can do it with my current Rakuten account? As in I don’t need to make a new Rakuten account or a new card account right?

As adamu & TokyoBoglehead said, you have the Rakuten Card which is bound with the Rakuten Bank cash card. This is unfortunate as it is a restrictive variant. You cannot, for instance, apply for a family card for your wife with this 楽天銀行Credit Card. Nor can you apply for a second card or a non-JCB variant while you hold it.

As also per adamu's link, to get out of this situation you have to cancel the 楽天銀行 Credit Card, wait a few days, reapply for a new Rakuten Card, go through the credit review, then wait for the new card. So plan to be without a Rakuten Card for a few weeks if you go down this route.

The only other option I can suggest is to load the Rakuten Pay app on your phone, link the existing 楽天銀行Credit Card & keep it. This may mean you can pay at some of the shops you found that don't accept JCB.


Why do Rakuten do this? I wish they wouldn't. For others reading this: avoid the 楽天銀行 Credit Card

adamu wrote: ↑Tue Aug 30, 2022 12:44 pm Bonus points don't apply for people that quit and rejoin. I already posted the info above for how to convert the Rakuten bank credit card to a standard Rakuten card.

楽天銀行カードをお手持ちのお客様で、カードの種類の変更をご希望の場合、現在お手持ちのカードをご解約のうえ、再度新規にてお申し込みいただく必要がございます。

新規カードお申し込みについて
お手持ちの楽天カードをご解約後、2日後以降に新規カードをお申し込みください。
カードお申し込みには、審査がございます。
審査の結果、ご希望に添えない場合がございますので、あらかじめ、ご了承ください。

ご注意

入会特典のあるキャンペーンでも、再度お申し込みの楽天カードは、入会特典の対象外となりますので、あらかじめご了承ください。
新規でのお申し込みとなりますので、楽天e-NAVIのご利用にはカードの追加登録のお手続きが必要となります。
初回のみご利用開始手続きが必要になりますので、カードをお手元にご準備のうえ、お手続きをお願いいたします。

I cannot see any reason he could not apply for a separate he could not apply for a separate Rakuten card, not connected to Rakuten bank. Did I miss that?

You could easily have 2 Rakuten cards (standard), but not a Rakuten Bank JCB and a Rakuten Card (standard)?

TokyoBoglehead wrote: ↑Tue Aug 30, 2022 1:09 pm I cannot see any reason he could not apply for a separate he could not apply for a separate Rakuten card, not connected to Rakuten bank. Did I miss that?

You could easily have 2 Rakuten cards (standard), but not a Rakuten Bank JCB and a Rakuten Card (standard)?

Nope, it's not possible: https://support.rakuten-card.jp/faq/sho ... main=guest

Q. 楽天銀行カードを持っているのですが、楽天カードを別途申し込みすることは可能ですか？

A. 回答
楽天カードと楽天銀行カードの両方をお持ちいただくことはできません。
現在お持ちの楽天銀行カードを解約のうえ、ご希望のカードを再度新規にてお申し込みいただく必要がございます。
　　　　　　　　　　　　　
楽天銀行へ楽天銀行カード退会のご連絡をいただいた後、1週間から10日ほどあけて楽天カードのHPからお申し込みをお願いいたします。
退会の処理状況によっては、「お客様はすでに楽天カードをお持ちですので、再度、お申し込みいただくことができません。」と表示される場合がございますので、その際はお日にちを改めてお申し込み手続きをお願いいたします。

TBS wrote: ↑Tue Aug 30, 2022 12:53 pm

Thanks for writing in English what I was too grumpy to

adamu wrote: ↑Tue Aug 30, 2022 2:15 pm Thanks for writing in English what I was too grumpy to

Mickey says Rakuten's corporate mission is to make good folk grumpy

Just had a thought, if I cancel my card, how will I access my Rakuten bank account?
Obviously I kind of need that as it’s where I do all my primary banking.

KCLenny wrote: ↑Sun Sep 04, 2022 1:51 am Just had a thought, if I cancel my card, how will I access my Rakuten bank account?
Obviously I kind of need that as it’s where I do all my primary banking.

btw have you requested a debit/cash card for your account?? if not you can definitely do it so you can access your money while waiting for a new credit card. I have 2 cards 1 credit and 1 debit. Btw let me know if applying for a rakuten card is smooth after the cancellation of your rakuten bank card.

Popochi wrote: ↑Sun Sep 04, 2022 4:24 am btw have you requested a debit/cash card for your account?? if not you can definitely do it so you can access your money while waiting for a new credit card. I have 2 cards 1 credit and 1 debit.

No you cannot, as far as I understand. This is a bank/credit card hybrid with special rules. He needs to first cancel the Rakuten Bank Credit Card, and then apply for both a new bank cash card (looks like they have a Visa and Mastercard Debit options in addition to JCB), and a after a week or so, new Rakuten Credit Card (if wanted).

https://www.rakuten-bank.co.jp/guide/cashcard/change.html#anchor-03 wrote: カードの停止を行っても、新しいキャッシュカードは自動で再発行されません。カードの再発行をご希望の方は上記の「カード停止」の手続きを済ませた上で、お客さまご自身で改めてお申し込みください。

KCLenny wrote: ↑Sun Sep 04, 2022 1:51 am Just had a thought, if I cancel my card, how will I access my Rakuten bank account?
Obviously I kind of need that as it’s where I do all my primary banking.

Good question. Maybe having a backup bank account or taking out a bunch of cash would be a good idea.

adamu wrote: ↑Sun Sep 04, 2022 6:21 am

Popochi wrote: ↑Sun Sep 04, 2022 4:24 am btw have you requested a debit/cash card for your account?? if not you can definitely do it so you can access your money while waiting for a new credit card. I have 2 cards 1 credit and 1 debit.

No you cannot, as far as I understand. This is a bank/credit card hybrid with special rules. He needs to first cancel the Rakuten Bank Credit Card, and then apply for both a new bank cash card

Well, now I'm confused. This page says you *can* apply for a debit card while holding the Rakuten Bank Credit Card:

https://help.rakuten-bank.net/faq/show/ ... order=desc
So it seems like what Popochi suggested, and getting a Visa/Mastercard Debit card would be the first step. Maybe that's enough?
If not, then you can cancel the credit card, use your debit card in the mean time, then apply for a new Visa/Mastercard credit card a week later.