>>1019537
Debit cards were a very late addition in
Japan, so the system is mostly structured around the combination of cash cards which can't be used for payments whatsoever, and credit cards that handle both payments and credit itself.
Some places still don't want to work with credit cards and request a bank transfer instead - that's very common for renting for example.
When the wider adoption of debit cards has finally become somewhat more common (think late 2010s), they ended up being slotted into a rather specific niche. You'd get debit if:
>a) You can't get a credit card, but you need something capable of e-payment
Banks often deny credit card applications. To get one, you have to be of age, have a stable source of income (so, basically, you have to be officially employed. Working part-time doesn't automatically disqualify you, but it lowers your chances of getting one).
Debit cards are much easier to get. Even underage can have one issued.
>b) You need a way to easily manage and restrict the amount of money that can be used with a card
So corporate cards are usually debit.
Parents get debit cards for their children with the same idea
>c) You're participating in money laundering and such
Because debit accounts actually contain money, instead of just being linked to some other registered bank account, passing around debit cards is actually a thing that happens.
The "money can't sit on a debit account for too long" part I just mentioned is actually a very recent change that was introduced specifically to combat this problem.
And that change is also literally the reason the company I was working for went under