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A reader who flattens カードロー", "headings": [ "Japan consumer-credit operator comparison matrix", "TL;DR", "Wiki route", "Nine operator categories", "Comparison matrix — full", "1. Card issuer (クレジットカード会社 / 包括信用購入あっせん業者)", "2. Consumer finance / shoko-loan (消費者金融 / 貸金業者)", "3. Installment credit / shinpan (信販会社 / 個別信用購入あっせん業者)", "4. BNPL pure-play (BNPL / 後払い)", "5. 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