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A2 noun #2,000 الأكثر شيوعاً 8 دقيقة للقراءة

クレジットカード

kurejitto kado
At the A1 level, you just need to know that 'クレジットカード' means 'credit card'. It is a word borrowed from English, so it sounds very similar. You use it when you want to pay at a shop. You can say 'Kādo de' (By card) to be very simple. It is a noun. You will see this word on signs at the entrance of shops and restaurants to show they accept cards. Remember that 'kādo' has a long 'a' sound.
At the A2 level, you should be able to use 'クレジットカード' in basic sentences. You can ask 'Kurejitto kādo wa tsukaemasu ka?' (Can I use a credit card?). You should also know the difference between a credit card and a 'kyasshu kādo' (ATM card). You might need to fill out simple forms with your 'kādo bangō' (card number). You should also recognize the short version 'kureka' which people use in casual talk.
At the B1 level, you should understand the different ways to pay with a credit card in Japan. When you pay, the clerk might ask 'Ikkatsu-barai de yoroshii desu ka?' (Is one-time payment okay?). You should know that 'ikkatsu' means paying everything at once. You should also be able to talk about 'pointo' (points) that you get from using your card. If you lose your card, you should be able to call the bank and say 'Kurejitto kādo o nakushimashita' (I lost my credit card).
At the B2 level, you can discuss the pros and cons of using credit cards in Japan. You might talk about 'pointo kangen-ritsu' (point return rates) or 'nen-kaibi' (annual fees). You should understand more complex terms like 'shinsa' (credit screening) and 'riyō gaku' (usage amount/limit). You can explain why you chose a specific card, such as a 'Rakuten Card' or a 'JCB Card', based on the benefits. You are also aware of 'ribo-barai' (revolving payments) and the high interest rates associated with them.
At the C1 level, you can navigate the legal and financial nuances of credit card agreements in Japanese. You understand terms like 'fused riyō hoshō' (protection against unauthorized use) and 'kaiyaku' (cancellation of contract). You can read the fine print regarding interest rates and international transaction fees. You can also discuss the socio-economic trend of Japan moving toward a 'cashless society' and the role of major tech companies in the credit card market.
At the C2 level, you have a comprehensive understanding of the credit card industry in Japan. You can discuss the impact of fintech on traditional credit card companies, the regulatory environment governed by the Financial Services Agency, and the psychological aspects of consumer spending via credit. You can use the term 'クレジットカード' and its derivatives fluently in professional financial contexts, debates about debt culture, or high-level business negotiations involving payment processing systems.
تدرّب عليها أمثلة ملاحظات ونصائح

クレジットカード في 30 ثانية

  • A loanword from English meaning 'credit card'.
  • Commonly abbreviated as 'kureka' in casual speech.
  • Used with the particle 'de' to indicate payment method.
  • Essential for online shopping and modern retail in Japan.

The term クレジットカード (Kurejitto Kādo) is a katakana loanword derived directly from the English 'credit card'. In the Japanese linguistic landscape, it represents more than just a piece of plastic; it symbolizes the shift from a traditionally cash-based society to a digital economy. While Japan has long been known for its 'Cash is King' culture, the prevalence of credit cards has skyrocketed in the last decade, particularly with the government's push for cashless payments. The word is often shortened in casual conversation to クレカ (Kure-ka), a common linguistic phenomenon in Japanese where long loanwords are truncated to four moras.

Etymology
From English 'Credit Card'. 'Credit' (クレジット) + 'Card' (カード).
Grammatical Category
Common noun, often used with the particle 'de' (で) to indicate the means of payment.
Abbreviation
クレカ (Kure-ka) - widely used in marketing and informal speech.

支払いはクレジットカードでお願いします。(Shiharai wa kurejitto kādo de onegaishimasu.) - I would like to pay by credit card, please.

Understanding this word requires an appreciation of the 'Point Culture' (ポイ活 - poikatsu) in Japan. Most Japanese credit cards are tied to massive loyalty programs like Rakuten Points, Ponta, or d-Point. Therefore, when someone mentions their クレジットカード, they are often thinking about the points they will accrue. Unlike in some Western countries where credit cards are synonymous with debt, in Japan, they are frequently used as a tool for financial optimization and convenience. Many users opt for 'ikkatsu-barai' (one-time payment) to avoid interest, making the card a transactional tool rather than a long-term loan instrument.

この店ではクレジットカードが使えますか？ (Kono mise dewa kurejitto kādo ga tsukaemasu ka?) - Can I use a credit card at this store?

From a sociolinguistic perspective, the use of katakana for this term highlights its status as a modern, Western-imported concept. While there is a native Japanese equivalent, 信用貸し (shinyōgashi), it sounds overly technical and refers more to the act of lending credit rather than the physical card itself. Thus, クレジットカード is the universal standard for the physical object and the payment method. In professional settings, the full term is preferred, while in mobile app interfaces and casual blogs, クレカ is dominant.

Usage Context
E-commerce, physical retail, utility billing, and subscription services.
Associated Verbs
Tsukau (use), Tsukuru (make/apply for), Teishi suru (suspend/cancel).

新しいクレジットカードを作りました。(Atarashii kurejitto kādo o tsukurimashita.) - I made (applied for) a new credit card.

Using the word クレジットカード involves several key grammatical patterns. Most commonly, it functions as the instrument of an action, marked by the particle で (de). For example, 'Kurejitto kādo de harau' (Pay with a credit card). It can also be the object of a verb like 'tsukuru' (to make/apply for) or 'nakusu' (to lose). Because it is a long word, mastering its pronunciation—specifically the long vowels in 'kādo'—is essential for being understood by native speakers.

クレジットカードの番号を教えてください。(Kurejitto kādo no bangō o oshiete kudasai.) - Please tell me your credit card number.

When applying for a card, you will encounter the term 審査 (shinsa), which refers to the credit screening process. You might say, 'Kurejitto kādo no shinsa ni tōtta' (I passed the credit card screening). In the context of online shopping, you'll often see the phrase クレジットカード決済 (kurejitto kādo kessai), meaning 'credit card settlement' or 'payment'. This is the formal term used on checkout pages. If you lose your card, the immediate action is 利用停止 (riyō teishi), or suspending usage.

Common Verb Pairings
Tsukau (Use), Harau (Pay), Mōshikomu (Apply), Kōshin suru (Renew).
Payment Options
Ikkatsu-barai (One-time),分割払い (Bunkatsu-barai - Installments), Ribo-barai (Revolving).

クレジットカードを失くしてしまいました。(Kurejitto kādo o nakushite shimaimashita.) - I have unfortunately lost my credit card.

Another important aspect is the 'validity period' or 有効期限 (yūkō kigen). You will see this on the card itself and on input forms. When the card is about to expire, the bank will send a 更新カード (kōshin kādo) or renewal card. In spoken Japanese, if you are at a register and the card doesn't work, the clerk might say 'Kono kādo wa tsukaenai yō desu' (It seems this card cannot be used), to which you might reply by offering another card or cash.

You will encounter クレジットカード in a variety of environments, ranging from high-end department stores in Ginza to automated voice prompts on banking hotlines. In retail settings, the most common place to hear it is at the 'reji' (cash register). Clerks are trained to ask for your preferred payment method politely. You might hear: 'O-shiharai wa genkin desu ka, kurejitto kādo desu ka?' (Will the payment be cash or credit card?).

「クレジットカード、一回払いでよろしいですか？」(Kurejitto kādo, ikkatsu-barai de yoroshii desu ka?) - 'Credit card, one-time payment is okay?'

In the world of finance and television commercials, you will hear the word constantly. Japan has a competitive credit card market with players like Rakuten, JCB (Japan's domestic giant), and various railway companies (like View Card). Commercials often emphasize the 'nyūkai tokuten' (enrollment benefits) or 'pointo kangen-ritsu' (point return rate). On the news, you might hear about 不正利用 (fusei riyō), which refers to fraudulent use or identity theft involving credit cards.

At the Airport
Currency exchange booths and duty-free shops frequently use the term.
Online Tutorials
YouTube videos explaining how to maximize points (poikatsu) will use 'kureka' or 'kurejitto kādo' repeatedly.

One of the most frequent mistakes learners make is confusing クレジットカード with other types of cards. In Japan, there is a sharp distinction between a 'Credit Card', a 'Debit Card' (デビットカード), and a 'Cash Card' (キャッシュカード). A 'Cash Card' in Japan specifically refers to an ATM card used for withdrawing money from a bank account, and it usually cannot be used for direct payments at stores. Using 'kurejitto kādo' when you mean your ATM card will lead to confusion at the register.

❌ キャッシュカードで払います。(Kyasshu kādo de haraimasu.) - Incorrect if you mean credit.
✅ クレジットカードで払います。(Kurejitto kādo de haraimasu.) - Correct.

Another mistake is the pronunciation of the long vowels. In Katakana, 'card' is カード (kādo) with a long 'a'. If you pronounce it as a short 'kado', it means 'corner' (角). Saying 'Kurejitto kado' might sound like you are talking about a 'credit corner', which makes no sense. Similarly, ensure the 'tsu' in 'kurejitto' is a small 'tsu' (ッ), indicating a double consonant or a glottal stop, though in this specific word, it represents the 't' in 'credit'.

Confusion with IC Cards
Don't confuse credit cards with IC cards like Suica or Pasmo, which are 'prepaid' (puripeido).
Word Order
Always put the particle 'de' after the card name when specifying the method.

While クレジットカード is the primary term for credit-based payment, several related terms exist. The most common is デビットカード (Debitto kādo). While they look identical, the debit card deducts funds immediately from the bank account. Another is the プリペイドカード (Puripeido kādo), such as those used for gaming or specific stores, where you load money in advance. In the context of transportation, 交通系ICカード (Kōtsū-kei IC kādo) like Suica are often used similarly for small purchases.

キャッシュレス (Kyasshuresu)
The broad category of 'cashless' payments, including cards and QR codes.
ローン (Rōn)
Refers to a loan, usually for larger purchases like cars or houses, distinct from card credit.
電子マネー (Denshi manē)
Electronic money, often referring to touch-to-pay systems like iD or QUICPay.

クレジットカードの代わりにデビットカードを使っています。(Kurejitto kādo no kawari ni debitto kādo o tsukatte imasu.) - I use a debit card instead of a credit card.

Understanding the difference between 家族カード (Kazoku kādo - Family card) and 法人カード (Hōjin kādo - Corporate card) is also useful for business travelers or residents. Furthermore, the term ゴールドカード (Gōrudo kādo) refers to premium tier cards, which carry a certain social status in Japan. Lastly, ETCカード is a specific type of credit card used solely for paying highway tolls automatically while driving.

How Formal Is It?

رسمي

""

مستوى الصعوبة

قواعد يجب معرفتها

أمثلة حسب المستوى

1

クレジットカード、ありますか？

Do you have a credit card?

Simple 'noun + arimasu ka' pattern.

2

カードで払います。

I will pay by card.

Using 'de' for means of action.

3

これはクレジットカードです。

This is a credit card.

Basic A is B structure.

4

クレジットカード、お願いします。

Credit card, please.

Polite request with 'onegaishimasu'.

5

クレジットカードはどこですか？

Where is the credit card?

Asking for location/existence.

6

はい、クレジットカードです。

Yes, it's a credit card.

Simple confirmation.

7

クレジットカード、使います。

I use a credit card.

Basic verb usage.

8

クレジットカード、好きです。

I like credit cards (because they are convenient).

Expressing preference.

1

クレジットカードが使えますか？

Can I use a credit card?

Potential form of 'tsukau'.

2

新しいクレジットカードを作りたいです。

I want to make a new credit card.

Desire form '-tai'.

3

クレジットカードを忘れました。

I forgot my credit card.

Past tense of 'wasureru'.

4

このクレジットカードはとても便利です。

This credit card is very convenient.

Adjective 'benri' describing the noun.

5

クレジットカードでチケットを買いました。

I bought a ticket with a credit card.

Specifying the tool used for purchase.

6

クレジットカードの番号を書いてください。

Please write the credit card number.

Polite command 'te-kudasai'.

7

クレジットカードを失くしました。

I lost my credit card.

Past tense of 'nakusu'.

8

クレジットカードは財布の中にあります。

The credit card is inside the wallet.

Describing location with 'no naka'.

1

クレジットカードの支払いは一回払いでお願いします。

Please make the credit card payment in one installment.

Specifying payment method 'ikkatsu-barai'.

2

クレジットカードを紛失したので、停止してください。

I lost my credit card, so please suspend it.

Using 'node' for reason and 'te-kudasai' for request.

3

クレジットカードのポイントが貯まりました。

I accumulated credit card points.

Intransitive verb 'tamaru' (to accumulate).

4

クレジットカードの有効期限を確認してください。

Please check the expiration date of the credit card.

Compound noun 'yūkō kigen'.

5

クレジットカードの明細をチェックします。

I will check the credit card statement.

Noun 'meisai' (details/statement).

6

クレジットカードの審査に落ちてしまいました。

Unfortunately, I failed the credit card screening.

Regret form '-te shimau'.

7

海外でもこのクレジットカードは使えますか？

Can this credit card be used abroad as well?

Using 'demo' to mean 'even in'.

8

クレジットカードの暗証番号を忘れました。

I forgot my credit card PIN.

Compound noun 'ansho bangō' (PIN).

1

クレジットカードの不正利用に気をつけてください。

Please be careful of unauthorized credit card use.

Noun 'fusei riyō' (fraudulent use).

2

クレジットカードの年会費が無料のものを探しています。

I am looking for one with no annual credit card fee.

Relative clause describing 'mono'.

3

クレジットカードを利用することで、ポイントが還元されます。

By using a credit card, points are returned/rewarded.

Passive voice 'kangen sareru'.

4

クレジットカードの限度額を上げてもらえますか？

Could you increase my credit card limit?

Requesting a favor with 'te-moraemasu ka'.

5

クレジットカードの付帯保険が充実しています。

The included insurance on the credit card is comprehensive.

Compound noun 'futai hoken' (attached insurance).

6

クレジットカードの引き落とし日は毎月27日です。

The credit card withdrawal date is the 27th of every month.

Noun 'hikioshi-bi' (withdrawal date).

7

クレジットカードの情報を入力するのは不安です。

I feel anxious about entering credit card information.

Using 'no wa' to nominalize the phrase.

8

クレジットカードを使いすぎないようにしています。

I try not to use my credit card too much.

Pattern 'yō ni shite iru' for habits.

1

クレジットカードの規約を隅々まで読みました。

I read the credit card terms and conditions thoroughly.

Idiom 'sumizumi made' (every corner).

2

クレジットカードの過剰な利用は、多重債務の原因になりかねない。

Excessive use of credit cards could potentially lead to multiple debts.

Grammar 'ni kanenai' (might happen/could result in).

3

クレジットカード会社は、独自のポイント経済圏を構築している。

Credit card companies are building their own point ecosystems.

Academic term 'keizaiken' (economic sphere).

4

クレジットカードの磁気不良で、決済ができませんでした。

Due to a magnetic failure of the credit card, I couldn't make the payment.

Technical term 'jiki furyō'.

5

クレジットカードのゴールドステータスを維持するのは大変だ。

It is difficult to maintain gold status on a credit card.

Noun 'sutētasu' (status).

6

クレジットカードの利息制限法について調べています。

I am researching the Interest Rate Restriction Act regarding credit cards.

Legal terminology.

7

クレジットカードのキャッシング枠を利用して、現金を借りた。

I used the cash advance limit of my credit card to borrow cash.

Financial term 'kyasshingu waku'.

8

クレジットカードの普及が、消費者の購買行動を大きく変えた。

The spread of credit cards has significantly changed consumer purchasing behavior.

Formal 'fukyū' (spread/diffusion).

1

クレジットカードの決済手数料が加盟店の経営を圧迫している。

Credit card transaction fees are putting pressure on the management of member stores.

Advanced verb 'appaku suru' (to pressure).

2

クレジットカードの与信枠は、個人の信用情報に基づいて決定される。

The credit limit of a credit card is determined based on an individual's credit information.

Technical term 'yoshin waku' (credit limit/line).

3

クレジットカードの不正検知システムは、AIによって高度化されている。

Credit card fraud detection systems are being sophisticated by AI.

Passive 'kōdoka sareru' (becoming sophisticated).

4

クレジットカードのブランド力は、顧客のロイヤリティに直結する。

The brand power of a credit card is directly linked to customer loyalty.

Business term 'chokketsu suru' (directly link).

5

クレジットカードのリボ払いは、実質年率が非常に高く設定されていることが多い。

Revolving payments on credit cards often have very high effective annual interest rates.

Financial term 'jisshitsu nenryitsu'.

6

クレジットカードの紛失届を受理した後、直ちに無効化の手続きが取られた。

After accepting the loss report of the credit card, invalidation procedures were immediately taken.

Formal passive 'torareta'.

7

クレジットカードの利用履歴を分析することで、個人の嗜好を把握できる。

By analyzing credit card usage history, one can understand individual preferences.

Noun 'shikō' (tastes/preferences).

8

クレジットカードのプラチナカードには、コンシェルジュサービスが付帯している。

Platinum credit cards come with a concierge service included.

Specific high-end terminology.

تلازمات شائعة

クレジットカードで払う (Pay by...)
クレジットカードを作る (Make/Apply for...)
クレジットカードの番号 (Card number)
クレジットカードの審査 (Credit check)
クレジットカードの限度額 (Credit limit)
クレジットカードの有効期限 (Expiry date)
クレジットカードの明細 (Statement)
クレジットカードの不正利用 (Fraud)
クレジットカードのポイント (Points)
クレジットカードの引き落とし (Withdrawal)

العبارات الشائعة

クレジットカードは使えますか？

クレジットカード、一回払いで。

クレジットカードを失くしました。

クレジットカードの申し込み。

クレジットカードの更新。

クレジットカードの特典。

クレジットカードの再発行。

クレジットカードの暗証番号。

クレジットカードの登録。

クレジットカードの決済。

يُخلط عادةً مع

クレジットカード vs キャッシュカード

クレジットカード vs ポイントカード

クレジットカード vs ICカード

تعبيرات اصطلاحية

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سهل الخلط

クレジットカード vs カード

クレジットカード vs 角 (kado)

クレジットカード vs 門 (mon)

クレジットカード vs 借金 (shakkin)

クレジットカード vs 暗証 (ansho)

أنماط الجُمل

عائلة الكلمة

مرتبط

كيفية الاستخدام

fees

Usually, the store pays the fee, not the customer.

limitations

Some cards (like JCB) are widely accepted in Japan but less so in Europe/USA.

أخطاء شائعة

نصائح

The Tray

Always place your card on the small tray provided at the register. Handing it directly is okay but the tray is more polite.

Shorten it

Use 'Kureka' when talking to friends about your new card or points.

Point Strategy

Link your card to a point app like Rakuten or d-Point to double your rewards.

Notify Bank

If using a foreign card, notify your bank before coming to Japan to avoid blocks.

Two Hands

When the clerk returns your card, accept it with both hands as a sign of respect.

PIN Security

Always cover your hand when entering your PIN at an ATM or register.

Check Logos

Look for the Visa/Mastercard/JCB logos at the door before you enter a shop.

Particle 'de'

Remember: [Object] + 'de' + [Verb]. Kurejitto kādo de haraimasu.

Kādo vs Kado

Practice the long 'ā' so you don't say 'corner' instead of 'card'.

Emergency Number

Keep your credit card company's Japanese emergency number saved in your phone.

احفظها

أصل الكلمة

English loanword

السياق الثقافي

Japan is generally safe, but 'skimming' is a known concern in tourist areas.

Handing over the card on a small tray (tsuri-ai) is standard etiquette.

Japan has a massive 'point economy' where credit card usage is a primary driver.

تدرّب في الحياة الواقعية

سياقات واقعية

بدايات محادثة

"どのクレジットカードが一番ポイント貯まりますか？"

"クレジットカードを失くしたことありますか？"

"最近、キャッシュレス決済が増えましたね。"

"初めてのクレジットカードは何でしたか？"

"海外旅行でクレジットカードは必須ですよね。"

مواضيع للكتابة اليومية

今日、クレジットカードで何を買いましたか？

クレジットカードのポイントで何を買いたいですか？

日本でのクレジットカードの使用についてどう思いますか？

現金とクレジットカード、どちらが好きですか？

新しいクレジットカードを選ぶ時の基準は何ですか？

الأسئلة الشائعة

10 أسئلة

Yes, most major stores and restaurants in cities accept Visa and Mastercard. Smaller shops might not.

It means paying the full amount in one installment, which is the standard in Japan.

Usually a PIN is required, but for small amounts, you might not need either. Sometimes a signature is requested.

Rakuten Card is very popular due to its high point return rate and ease of use.

Say 'Kādo o nakushimashita'.

Many cards have no annual fee ('nen-kaibi muryō'), but premium cards do.

You can use them to buy Shinkansen tickets or charge IC cards at some machines, but not for local gate taps directly.

It is revolving payment. It is common but has high interest rates, so use it carefully.

A higher-tier card with more benefits and higher limits, often requiring a higher income.

Yes, Japanese e-commerce sites are generally very secure and use standard encryption.

اختبر نفسك 102 أسئلة

/ 102 correct

Perfect score!

محتوى ذو صلة

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