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About Cach Advance
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回答
Credit Cards that are eligible for Cash Advance can be used at cash dispensers, ATM services and airport lounges. You can also apply for online cashing in Rakuten e-NAVI.
ATM fees are charged whenever Cash Advance at ATM / cash dispensers are used domestically and internationally
※No transfer fee is charged for Net Cashing.
※No transfer fee is charged for Net Cashing.
The annual percentage rate of Cash Advance is 18%.
Calculation is made on a pro-rata basis from the day of purchase to the day of payment. A year is considered to be 365 days except for leap years.
※When using Cash Advance for 100,000 yen with an 18.0% annual rate and paying back after 30 days, the interest will be 1,479 yen.
Caution
- Cash Advance can be used within the specified Usage Limit for the Card.
- Cash Advance might be unavailable for family cards or when having conflicting information (e.g. name / the branches of the debit account.)
- If the requested amount exceeds the limit of usage, transfer cannot be made.
The date of transfer may differ depending on the day of application or the bank of direct debit.
|
Date / Time
of Application |
The bank of direct debit |
||
|
Others |
Rakuten Bank |
||
| Weekdays | 0:00～8:59 |
After 9am |
Transfer is made 24/7
Takes only a few minutes at the minimum |
| 9:00～14:49 |
A few minutes at the minumum |
||
| 14:50～23:59 |
After 9am on the next business day |
||
|
Closing days of Financial Institutions
(Sat/Sun/Holidays) |
0:00～23:59 |
After 9am on the next business day |
|
Service Details of Cash Advance (Credit Card)
Use the function after carefully checking the conditions of loan. Usage Limit / 10,000 - 900,000 yen
※The limit is set based on the credit judgement
Interest Rate of Loan (Annual percentage rate) / 18.0%
※When the total amount (the sum of new requested amounts and the total balance of other loan contracts) exceeds 1million yen, the rate for the new loan contract will be 15.0%.
The calculation of Interests for one-time payment is done on a pro-rata basis between the next day of the use and the day of repayment.
The calculation of Interests for revolving payment (for the first payment) is done on a pro-rata basis between the next day of the use and the day of first repayment.
After the first payment, the calculation of interests is done on a pro-rata basis between the day of payment of the previous month and the day of payment of the current month.
Default Charge (annual percentage rate) ： 20.0%
Payment Methods
- One-time payment
It's a method to pay the principal and interest at one time
in the following month of the purchase. - Revolving Payment (Sliding Balance Fixed Payment Method (With/Without) or Sliding Balance Fixed Payment Method after the last loan payment (With/Without) )
┗ It's a method to fix the amount of payment depending on the loan balance of the revolving payment. - Only one-time payment (of principal and interest at one time) is available for the use of Cash Advance outside of Japan
Period / Times for the payment
- Within 60 days for one-time payment
At most 3 years (within 36 times) for revolving payment of less than 300,000yen
At most 5 years (within 60 times) for revolving payment of less than 1 million yen
Security / Guarantor
- Unnecessary
Simulation of Repayment
- The simulation is done with 18% of annual percentage rate
- Minimum-payment does not apply to the customers who have applied to the service before May 9th 2000 AND selected "Sliding Balance Fixed Payment Method (With/Without)"
ATM fees
- It costs 110yen (tax included) for less than 10,000yen and 220yen (tax included) for more than 10,000yen
※Fees are charged EVERY TIME Cash Advance service is used at ATM/Cash Dispenserboth domestically and internationally.
Please note that regular credit-monitoring is performed and the card may be suspended according to the status of use.
