Rejected by Rakuten

[yabbie]

Applied for iDeCO through Rakuten (and NISA at the same time) Just got a rejection letter
Letter gives no reason for the rejection, also got an email which says it was reviewed by the Japan Pension centre. (but no reason)
I'm a permanent resident, married to Japanese national, been in Japan for nearly six years continuously and paid tax, until I went on maternity leave from 2015, have been (tax=)dependent on DH since then.
Is it worth trying other providers (if so who?)?
Thanks

[RetireJapan]

Hi yabbie

Welcome to the board! That's interesting. I presume you selected the tax-dependant option when opening the account? Does your husband pay into kosei nenkin? Are you covered by his pension/health insurance?

[yabbie]

Yep, all paper work present and correct, we’re both on NHI, which is up to date. Chose the shufu option. So frustrating that they don’t give any clues about why they reject you.

[RetireJapan]

NHI is irrelevant. You need to be paying into the pension, or be the dependent spouse of someone paying kosei nenkin.

If that is the case I would ask why it didn't go through. Haven't heard of that before...

Let us know!

[tokyojoe]

Hi Yabbie,
This may not be relevant at all, but I will just throw it out there in case it is of help.
The problem may just be an issue with your name. I have had couple of problems with
credit card applications here in Japan that turned out to be simply a problem with how
my name is rendered into Japanese. First there is the order of your name, and then the
conversion of your names into katakana. Despite holding several credit cards, some of them
'gold' cards, I was rejected by a couple of cheap and cheerful cards - despite also having held
regular employment at a reasonable salary for many continuous years . The plot thickened
further when my wife, who isn't working and is dependent on me, acquired the same credit card
straightaway. After a phone call we simply reversed the order of my names , and also changed the
katakana rendering of one of the names (for which there are a few options) and then
the application was immediately approved. Pretty much all credit checking is done by bots,
so just a slight change in any detail can throw them completely.
Good luck!