Shopping at Rakuten Market is as attractive as there are many points, such as being triple points at any time and earning 5,000 yen worth of new applications.
Some of you may have used the campaign “You can get 30,000 points if you register and use Automatic Libo!”
Is this automatic ribo, do you know that it is actually a dangerous payment method ?
If you continue to use it without knowing how to use the automatic ribo payment method, the debt of the credit card will swell greatly.
In the worst case, you may spend up to the limit amount , and you may not be able to use the credit card, or the payment for the usage fee may be too expensive to repay .
Let’s understand the auto rib of Rakuten card properly and use it for the discount correctly.
This time, I will explain in detail why the payment on the Rakuten card is not complete, why and how to solve it.
Table Of Contents
1. How to increase the monthly payment amount and finish the repayment early
2. A way to repay all remaining ribos at once
3. How to make early repayment of Rakuten’s back payment and finish it early
First of all, we will introduce you basic information on the payment of the Rakuten card’s credit card.
Repayment is a method of paying a fixed amount decided every month .
The installment payment is made by specifying the number of payments, while the repayment is determined by paying a monthly payment amount such as “pay $ 0.00 a month”.
In the case of Rakuten card repayment, we set the minimum amount of payment (hereinafter referred to as the minimum payment amount) for the usage amount (hereinafter referred to as usage balance) used as shown in the table below.
|Usage balance||Minimum repayment amount|
|Less than 200,000 yen||3,000 yen …|
|Over 200,000 yen …||4,000 yen …
※ We add 1,000 yen at a time every increase of balance 50,000 yen
※ ※) Rakuten card official site
In other words, if you’re shopping up to 200,000 yen, it’s OK if you pay at least 3,000 yen a month .
If you apply for a card, especially if you have not decided on the amount to pay for the credit card, the minimum payment amount should be 3,000 yen per month.
In addition, if the usage balance exceeds 200,000 yen, those who fall under the following will be automatically changed to a course that pays 10,000 yen every month.
※ The minimum repayment amount will be automatically changed to 10,000 yen, but it is possible to re-set it within the conditions of usage balance and minimum repayment amount.
The next is about the fee for use.
Repayment is different from one-time payment and installment payment, and it has the feature that the monthly repayment amount does not change no matter how much you use it to a certain amount.
In the case of Rakuten card, it means that you can use up to 200,000 yen if you repay 3,000 yen every month.
However, instead of having a fixed amount of monthly payment, you need to pay a rebate fee.
The annual fee rate is 15.0% , and the amount used is the balance on the closing date for each month multiplied by the annual rate, which is the revolving fee.
And as Rakuten card repayment method is balance slide revolving method , it is minimum repayment amount + repayment payment fee = monthly repayment amount .
The figure below shows an example of Rakuten card payment when the minimum repayment amount is set to 3,000 yen and then the balance used exceeds 200,000 yen.
The minimum repayment amount is 3,000 yen, but depending on the balance of use, you can see that nearly 5,000 yen is paid including fees.
Furthermore, when the usage balance exceeds 200,000 yen, the minimum repayment amount automatically reaches 10,000 yen, and the payment amount jumps sharply.
If you are using it without awareness, the burden of monthly payment may increase without knowing it, so let’s use it systematically including the setting of the repayment amount.
For those who can not increase their spending more than now, it is a very convenient Rakuten card rib payment, but anyway the repayment period is long!
[Example] If you shop for 200,000 yen and the minimum repayment amount is 3,000 yen
In this example, after spending ¥ 200,000, it takes 5 years and 7 months to finish paying, even if you repay the trick without increasing your balance.
You have to keep paying the fee for the period you are paying, and the repayment is not complete.
The reason is that the minimum repayment amount is low and the usage balance does not decrease .
In order to finish early, it is recommended to set a little more than the monthly repayment amount.
Reduction diagnosis of the credit balance which can be done in 3 minutes
※ ※) Rakuten card campaign
There is a payment method called automatic ribo for the repayment of Rakuten card.
The contents of the automatic ribo service are as follows.
Recommended for those who do not want to say “Payback” at the time of payment
Even if you do not specify the payment method for every shopping, everything can be paid back
If you feel the benefits of such a service, it is better to use automatic ribo.
However, it seems that some people have applied for auto ribo without understanding the meaning of auto ribo.
I’m carrying cash on delivery with the Rakuten card, but this month I did not find it cheap.
I noticed in the second month and I was able to cancel it, but those who pay for the cell phone charges are very careful.
If you notice that you are not aware of the automatic ribo, it seems that there are a lot of people whose repayment amount is nearly 1 million.
Rakuten card, as it was made along with the baptism when my classmate joined the company in the old days, I continued to use it because it is convenient because the point reduction rate somehow or something is convenient, I notice now to the trap that overseas shopping becomes an automatic ribo. A little while ago, I went over-the-counter for a large shopping, and the guy who will be going to become a ribo for some time.
If you look at the tweet, you can see that there is a campaign that you can get points when you set it to automatic ribo and shopping.
The following problems may occur if you do not understand the service content of Auto Libo properly and participate in the campaign for point desires.
Be sure to make sure that all payments made with Rakuten Card are not automatic payment.
Did you know what payment method the Rakuten card’s credit card is?
It is an advantage that the burden of monthly repayment is light, but then repayment is not over and it is necessary to keep paying fees.
By ending the repayment as soon as possible, you can reduce the burden of fees and save the total payment.
Here are three ways to get rid of your Rakuten Card’s credit card as soon as possible.
If you have a large balance and can not repay in full, increase your monthly payment as little as possible.
Revoicing determines the payment fee for the month by multiplying the usage balance fixed on the closing date by the annual rate.
Therefore, if you reduce the balance even a little, the fee to pay will be reduced.
To change your monthly payment, please log in to Rakuten Card Members’ Online Service Rakuten e-NAVI . Log in to
After logging in to the member page, you can change the amount of the credit card payment as follows.
Make sure that the set amount is within the range you can pay.
Even if you can change the lump sum payment to the repayment, you can not change the repayment to the lump sum payment.
If you want to make a full repayment of the Rakuten card’s rib, log in to “e-NAVI” and complete the procedure “Lubose balance payment” .
Some of them have been automatically settled as a single payment, but they do not want to pay their fees! Aren’t there some people?
Unfortunately, even if you make a lump sum payment of the balance, it costs a fee.
Moreover, even if you are shopping for less than the minimum repayment amount, you will incur a rebate fee.
If you don’t think you’re paying a credit card, you have to pay a fee and make a lump sum payment.
In order not to be in the same eyes again, let’s cancel the setting of the automatic repayment payment!
This can also be changed from “Rakuten e-NAVI” by “Registration / Cancellation of Automatic Ribo” .
“The monthly repayment amount is as it is now, but I want to reduce the balance even if there is a temporary income!”
We will show you how to repay some of your balance.
About Rakuten Card, I have introduced that I can make a partial deposit with Rakuten e-NAVI for 24 hours .
If you want to repay more for the next month, change the payment course with Rakuten e-NAVI before withdrawal.
If you have some reason and want to make a partial repayment by the next month’s payment, you can call Rakuten Card Contact Center.
Let’s be careful about the next point when applying for partial advance payment by phone.
If you want to raise some money, it is better to change the payment amount with Rakuten e-NAVI by the next payment date.
In that case, when the withdrawal is complete, be sure to return the payment course to a smooth repayment amount!
Anonymized reduction of the repayment balance
One of credit card, Rakuten card repayment, when the minimum repayment amount of each month is set low, the use balance is not reduced easily.
If you do not reduce your balance, it will take time to pay off, and you will continue to pay the rebate fee all the time.
In addition, it seems that there is a person who has set “automatic ribo” without knowing anything at the time of application or participation in the campaign.
If it is an automatic ribo, shopping of the lump sum payment also becomes all the ribo payment.
And you always have to pay a rebate fee.
Please check again how to pay for your Rakuten card.
If you get a repayment without knowing , let’s end the repayment as soon as possible by methods such as “Change in payment course”, “Bulk repayment” and “Partial advance repayment”.
If you have a debt payment other than Rakuten card, and it is hard to finish Rakuten’s rib-back payment, it is likely that you’re already in hell.
But even in such a situation it is okay!
For those who can not get rid of credit payments, use of credit cards other than Rakuten, and those who can not get out of payment on the rib , the solution is presented in “The pitfalls of payment on the rib and how to end the repayment .”
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