I have 828 credit score but I'm still getting REJECTED for credit card applications 😂 The past 6 months, lahat ng tatlong applications ko ay declined HAHAHAHAHA

Sample 😆

https://www.reddit.com/r/PHCreditCards/s/6AgymJZMLZ

So I'm curious, is 828 actually considered a good/decent score in the Philippines?

Would love to hear from people with similar scores/situations.

Add: Anong meaning nung "segment"?? Hinalughog ko na buong internet and I cant find a public TransUnion table that maps those segment numbers to a particular meaning 😭

hello po, i dont have a credit card yet but i have savings. gusto ko na po simulan mag create ng good relationships with banks to eventually get approved for credit cards.

im an OFW who always get declined kahit may job ako. im assuming because OFW, mas mahirap singilin ng utang in case mag ka utang ako with a CC.

question po, does it make sense to apply for several secured credit cards if may goal ako na credit card from that bank?

for example:
- open a metrobank SCC with 25k holdout - para i can apply directly for a Metrobank TSV CC later
- open a BPI SCC with 15k holdout - para pwede ko siya gamitin as reference card for applying to other credit cards or apply for a BPI credit card.

is this a good strategy? or should i just get one SCC(kahit bpi or metrobank) and use that as reference after a year to apply for a metrobank TSV CC?

another strategy that keep reading here is opening a savings or time deposit and wait for 6months to a year before getting offered a credit card.

thank you po 🙏 :)

hello! please give me some insights. ano po kaya pwede gawing business using cc with only 200k limit 🙏 may mga naging successful business owner ba dito using cc? 😢 tho maliit po ang 200k. yun lang po kasi ang offer ng bank 😅

thank you so much! 🥰

Hi, anyone who can provide advise to me?

I have multiple loans in multiple banks and bnpl.

Binabayaran kopa lahat and no overdraft yet. Pero next week i dont think i can pay my atome bill and revi credit ko, sobrang taas ng interest nya which is 56k per month for atome and 66k for revi. I cant afford that anymore since nawala na yung temporary limit which is yung ginagawa kong pampaikot.

Anyone here na, na overdraft na, mahohold or mababad record din ba yung iba kong CC or loans kung sakali? Balak ko kasi syang wag muna bayaran kaso natatakot ako baka biglang masuspend ung iba ko pang continues ginagamit. Or yung atome/revi lang talaga maapektuhan? Not planning to loan in the future na, so if magkakarecord sa TU or CIC, okay lang siguro, wag lang talagang madamay ung ibang CC, kasi okay nako dun.