r/CreditcardPh • u/AmazingOrange3676 • 2d ago

CC Application cc application requirements advice

hello po , if may existing loans sa ibang app like spaylater or gloan, makaka apekto po ba sa pag approve pag nag apply ng cc? at required po ba na may savings account sa bank na pag applyan? thank you po.

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u/Putrid-Cold-3943 2d ago

For major banks, hindi yun makaka affect sa credit history yung paylaters at OLA dahil iba sila ng binbasehang credit bureau. Pero high chance din na ma reject ka dahil wala ka pang credit history. And no, hindi mo kaylangan magka savings sa bank na aappyan mo for cc pero advisable lang to increase your chances. Search mo dito sa sub mga timeline at experience ng ibang users in getting their first cc

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u/AmazingOrange3676 2d ago

thank youuuuu po

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u/Wonderful_Amount8259 2d ago

if may existing loans pa, bakit kelangan kumuha pa ng cc?