Earlier quoted context omitted.
I literally landed in Japan today for the first time since COVID: Had problems creating and topping up Suica/PASMO with multiple foreign Visa cards (ended up using Amex), but had absolutely no problems paying with Visa in stores that accept the usual myriad of cards.
That’s because you generally can’t use foreign credit cards to top up Suica.
However, one of my credit cards didn't work for that with no clear reason given, but a different one worked almost every time.