Japan Credit Bureau

How about JCB?

Yep, did it yesterday morning. It was pretty painless. You can even add it out of hours, it just won’t become usable until 8am.

Main benefit is that you can login to the portal site without the physical card.

I agree with others that this is a very mature and wholesome post. I don’t think there is much difference in dating cultures apart from the fact that in Japan you don’t usually bring your partner home to meet the family until you’re planning to get married.

Maybe she was hesitant at first due to factors such as distance, language, or future uncertainty (will she have to return to Japan? If so, how soon?)

Anyway just keep doing what you’re doing. Communication and respect are the most important things and you seem to be doing both well.