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... portion of Japanese people using credit cards is low.

  In 2002, the percentage of credit card usage in South Korea was 69%, while that in Japan was only 7%. If you go back to Japan ten years ago, in the 1990s or so, then the proportion of Japanese people in the use of credit cards will be lower.

   The reason why Japan did not lead to the country's credit card bankruptcy crisis is due to its national character. It is said that the Chinese love to save money, and the Japanese love ...

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The character's sheet... If you got lost. Be careful though, it is full of spoilers

https://docs.google.com/spreadsheets/d/1P_mYCR3G-WOPiRvJBj1v6g5mlQXOtyJuivGdfWou38U

P.S.

- I may be editing this novel continuously and some times will need to change some details to accommodate later chapters.

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