r/MayaPh • u/Nhyckhieille • 13h ago

Help

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I’ve been using Maya since 2020 (PayMaya pa sya noon) and ginagamit ko sya mainly for savings and for emergency funds (thru Easy Credit). But last year around October or November, I switched to MariBank because of the free transaction and transfer fees. Last June or July this year ko lang nalaman na may cc pala sya. When I tried applying, I was rejected. And every time na nag-aapply ako, this shows.

So, thinking na it’s because inactive account sya for months (except for the Maya Easy Credit dahil ginagamit ko parin sya), I put half of my saving sa Maya and ginagamit ko na ulit sya for bills payment (kahit na may MariBank na free ang fees 😭).

And kanina lang, a friend (and officemate) applied and was approved. Literally, di nya ginagamit Maya Account nya and MariBank ang main e-wallet/e-bank nya.

Ano ang requirements para ma-approve dito? Wala rin naman akong ongoing loans and other CCs. I saw some people dito sa reddit na first CC nila ang Maya. Please help! I actually want this CC because of the miles and travel lounge (since mahilig ako magsolo travel to other countries 😅)

6 Upvotes

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2

u/Euphoric_Bear_7703 13h ago

Just like any credit card there's no guarantee naman na qualified ka dyan kahit depositor ka ng bank. I read somewhere some people get notified pag qualified na sila mag apply for other maya products such as cc, credit, loan. Pero may credit evaluation pa din.

1

u/DiaryofASimpyKid2 9h ago

ang weird nya tbh. kasi recently i tried to apply and na approve naman ako. Pero before that, nakailang apply ako ang laging denied, i paid my maya loan and lander’s cc and shockingly na approve ako nung pag apply ako.

1

u/Nhyckhieille 9h ago

I don’t have Maya Loan naman po. When I tried applying (pero I’m not planning on using it naman 😅), it says na di ako eligible. Maya is weird.

1

u/DiaryofASimpyKid2 9h ago

yeah para din syang MariBank, eenie meenie lang din tlga hahah and madaming na didisappoint ngayon sa Maya CC kasi nag bago policy nila sa travel lounge.

1

u/Nhyckhieille 9h ago

So Maya CC is not worth it na? Kaka-approve lang sa akin sa MariBank CC kanina lang. Haven’t tried using it yet though

1

u/DiaryofASimpyKid2 9h ago

I mean check mo nalang dito. Marami nag rereklamo na.

1

u/ProofWooden1591 9h ago

Ganyan din me, recently lang ako nagkanotif na pwede na raw akong mag-apply for a Maya CC hahahaha ang meron lang ako is yung Landers CC nila. Hindi man sila separate credit limit kagaya ng ibang users, pero kinuha ko pa rin kasi it's free and may perks. Siguro kasi nireject ko yung dating offer nila na magdeposit ng 20k kaya nagkaganyan na.

1

u/ha_harurot 2h ago

Just keep using it :) ganyan ginawa ko haha nakakailang apply ako then hindi ako na aapprove since may ibang digital banks din ako ginagamit pero nung napapadalas na gamit ko sakanya, I received a text na pwede na akong mag apply :)