[MyBEST | Survey on Card Loans] 90% of Inexperienced Users Feel "Anxiety Towards Card Loans." Meanwhile, 30% of Experienced Users' Image "Changed Positively After Use." An Image Gap Exists Between Inexperienced and Experienced Users.

MyBEST Corporation (Headquarters: Chuo-ku, Tokyo; Representative Director and CEO: Toru Yoshikawa), which operates the product comparison service "MyBEST," conducted a survey targeting 300 individuals inexperienced with card loans and 298 experienced individuals (men and women in their 20s-60s) regarding their perceptions, anxieties, and understanding of card loans. Card loans are a common financial service that can cover sudden expenses, but the survey revealed that approximately 90% of inexperienced users feel anxiety or resistance, and many are unaware of even the upper interest rates. On the other hand, about 30% of experienced users reported that their image of card loans changed positively after actual use, indicating an image gap.

**Survey Overview:** * **Target:** 300 men and women aged 20-60 inexperienced with card loans / 298 men and women aged 20-60 experienced with card loans. * **Method:** Internet questionnaire survey (conducted by MyBEST Corporation). * **Period:** March 17 (Tuesday) to March 24 (Tuesday), 2026. * *Note: Survey results are rounded to the nearest decimal point as appropriate, so slight discrepancies may occur in cumulative calculations.* * *Note: When introducing survey results, please include the annotation "According to MyBEST Corporation survey."* * *Note: This press release aims to report survey results and does not recommend the use of specific financial products or services.*

**Summary:** * 87.3% of inexperienced individuals feel "anxiety or resistance" towards card loans. * 87.0% of inexperienced individuals "do not know" the upper interest rate. The cause of anxiety is likely a lack of information and negative image. * 59.7% of inexperienced individuals have the image that "card loan users = people in financial trouble." * 83.2% of experienced individuals had anxiety or resistance before use. * Conversely, 27.2% of experienced individuals' image "changed positively after use." * 58.7% of experienced individuals responded, "I'm glad I used it." * 60.8% of experienced individuals responded that "anxiety would be alleviated with accurate information," while 64.0% of inexperienced individuals responded that "anxiety would not be alleviated even with accurate information."

**87.3% of inexperienced individuals feel "anxiety or resistance" towards card loans.** 87.3% of inexperienced individuals responded that they feel anxiety or resistance towards card loans. The primary reason for not using card loans was "resistance to debt."