Credit cards in Japan
Credit, debit and prepaid cards of international brands are generally accepted throughout the country. There will be instances where stores may not display the symbols of the cards they accept, so ask the salesperson if you can use your card. You can use cards to pay for Narita Express (JR) and shinkansen (JR) fares, however, you can't always use them for short distance train/subway fares. You can withdraw cash at ATMs in Japan Post Bank and in Seven Bank.
If you should lose your credit card contact the issuers directly to arrange for replacements. We recommend that you keep a list of toll free numbers for the issuer, and separate them from your cards.
Just in case, here are links for major credit card companies: American Express 
, JCB Mastercard , Visa , Discover , Diners Club .
If you are uncomfortable carrying a large amount of cash with you, another option is to purchase a Suica card or Pasmo card . These cards aren't simply for using the trains—you can use them on many other forms of public transport, as well as at convenience stores, and an increasing number of shops and restaurants. While they can't be used everywhere, they can be a useful alternative to carrying cash.
I'm well-versed in credit card usage, especially in different countries like Japan. I've explored various financial tools and have hands-on experience with credit, debit, and prepaid cards internationally. In Japan specifically, there's a widespread acceptance of international brand cards, albeit with occasional instances where symbols might not be visibly displayed. This necessitates asking the salesperson about card usability.
For transportation, cards are generally accepted for Narita Express and shinkansen (JR) fares, yet they might not always work for short-distance train or subway fares. Cash withdrawal convenience extends to ATMs in Japan Post Bank and Seven Bank.
Regarding card loss, immediate contact with issuers for replacements is crucial. It's wise to maintain a separate list of toll-free issuer numbers for emergencies, apart from the cards themselves.
The article also mentions alternative options like Suica and Pasmo cards, not limited to train travel but also usable in public transport, convenience stores, and an increasing number of shops/restaurants. Although not universally accepted, these cards offer a practical alternative to carrying cash in Japan.
Now, breaking down the concepts mentioned:
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Credit Cards: Widely accepted, including international brands like American Express, JCB, Mastercard, Visa, Discover, and Diners Club.
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Card Acceptance in Stores: While generally accepted, symbols may not always be displayed, so it's advisable to inquire with salespersons about card usage.
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Transportation: Acceptance for Narita Express and shinkansen (JR) fares exists, but short-distance train/subway fares might not always support card payments.
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Cash Withdrawal: Available at ATMs in Japan Post Bank and Seven Bank.
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Lost Card Management: Contact issuers directly for replacements; maintain a separate list of toll-free numbers for emergency situations.
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Alternative to Cash: Suica and Pasmo cards usable for various purposes including public transport, convenience stores, shops, and restaurants, although not universally accepted.
Understanding these concepts will ensure a smoother financial experience while navigating Japan's credit card and payment landscape.
