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Mobile and credit card (Tokyo)

I just moved to Tokyo last week and managed to get a bank account and really expensive prepaid mobile from softbank for the first days (It was required to open a bank account).
However I would like to get on with getting a proper data and voice plan. Looked into BIC Camera who have some sim- only deals, all is fine as I'm a resident for 5 years... but I do not have a credit card!
Also, I just realised that my bank card, from Shinsei, is only a card to withdraw money and so far did not manage to pay anywhere with it.

So, how do you get a credit card when you just arrived?
And how do you get a phone contract with something like a direct debit contract?
Lastly, do you really must roam around with stashes of cash to pay for stuff?


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