Life Card (ライフカード)

Wiki route

This entry sits under card-issuers INDEX (its domain route). Read it against Credit Saison and Rakuten Card for independent-issuer peer / contrast, and against the FSA plus payments for the supervisory / system boundary. The governing acquiring statute is Installment Sales Act 2020 Amendment; the lending parent lives at Aiful.

TL;DR

Life Card Co., Ltd. is the card issuer of the Aiful group. Its official company outline lists credit cards, prepaid cards, bank guarantees, and insurance as its business lines, and card issuance / installment is conducted as comprehensive credit purchase intermediation under the Installment Sales Act. This is a product-boundary page that makes explicit the structure in which a consumer-finance group holds both lending and card, so that AIFUL is not misread as a “lending-only” business.

1. License / group boundary

Sources: Life Card company profile and METI list of comprehensive credit-purchase intermediaries.

2. Operating model

Life Card gives AIFUL a card and prepaid payment surface in addition to unsecured lending. The substance of installment is lump-sum, split payment (分割払い), and revolving (リボルビング), plus businesses such as bank guarantees and insurance agency that sit at the intersection of consumer credit and payments. Prepaid (prepaid value) is a separate license lineage (Payment Services Act) from installment card issuance, and must be read as distinct from the lending core (Money Lending Business Act). It serves as a good comparator to Acom Co., Ltd. and bank-affiliated card issuers.

3. Why this page matters

• A consumer-finance group often holds both lending and card in subsidiaries. Life Card makes that product boundary visible and shows that Aiful is not loan-only.
• It provides an anchor for the structure in which three license lineages — installment (Installment Sales Act), prepaid (Payment Services Act), and lending (Money Lending Business Act) — sit side by side within a single company / single group.
• It is an entry point for reading alongside independent-issuer peers (Credit Saison and others).

Related

• Aiful
• Acom Co., Ltd.
• Credit Saison
• Installment Sales Act 2020 Amendment
• card-issuers INDEX
• FinWiki index

Sources

• Life Card company outline.
• METI: registered operators under the Installment Sales Act (包括信用購入あっせん).
• 日本クレジット協会 (Japan Consumer Credit Association): industry self-regulation reference.

[!info] Verification status confidence: likely. That Life Card is a card company of the AIFUL group, listing card, prepaid, guarantee, and insurance as its businesses, and that its card business is conducted under the Installment Sales Act framework, is based on the public company outline. The registration numbers and scale of each business may change, so read them as shape.