Japan strangely is a land that still avoids the use of credit cards Things are slowly but surely changing and as the older population makes its way to the retirement communities that are increasingly dotting the bucolic landscape, younger folk who have always yearned for new ways of convenience are finding both the use of the buy-now pay-later mentality a boon. Their dominance on the Japanese economic landscape has made this a reality but there still is a dark side to borrowing and quick spending not associated with a plastic card with that pesky magnetic strip: As fleshed out during the Wives in Debt writeup, loan shark hell is a reality that can send the weak-hearted to an early grave. Run by those in less-than-chivalrous organizations and fronted by bubbly mascots, an armada of train advertisements, and convenient ATM-like cubicles speckled across all of Japan's major cities and hubs, instant-loans are truly a ubiquitous and downright nefarious attraction. Do not confuse these tiny kiosks for ATMs as they are anything but!
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