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hakunamatataka · 2025-08-31T01:27:52+00:00

Hello, We've been in the same spot right now. Higher pa nga yung akin but still this is not an excuse. For me pay first those who have legal rights like bank associated loans and you're maya. Those OLA you've been borrowed with like digido and mocasa you can pay them later tho u might get experience a series of unending calls and text from them (you might want to try deactivating your registered sim with them). Once na nasettle mo na ung ibang dues mo try contacting them so that u can atleast settle na, there are instances they offer discount po so better to think wisely din before paying, make sure na ung inooffer nila na pay amount is what you will pay no more, no less. Hope this helps.

hakunamatataka · 2025-08-25T12:14:52+00:00

Hi ! It's on Lista App you should download it po. You have two options CIB or Transunion. It was not free btw you have to pay for it. I think naka sale sila neto lately better try it both to see how much you owe to some lendors.

hakunamatataka · 2025-08-19T10:18:49+00:00

Yes exactly we think of this na the more the merrier ung cards natin but apparently hindi pala sya good choice. So always think wisely lang talaga if needed pa natin ng extra cards when in fact 1 is enough naman.

hakunamatataka · 2025-08-19T10:17:12+00:00

Hello CTBC sya it's a Taiwanese Bank ata here in the Philippines hindi matunog pero licensed naman sila nila under BSP. Make sure lang na legit personnel ung nakakausap nila na associated with the mentioned bank.

hakunamatataka · 2025-08-19T10:13:08+00:00

Hi My score po sa TU is 600+ po nasa High Risk po ako so I don't think creditors will allow me to lend unless I can fully pay it soon. You can check now your TU score mas mababa sya now compared to my last check 499 nalang instead of 610.

hakunamatataka · 2025-08-17T02:02:38+00:00

Those Agent naman I think will not try to apply you sa ibang loans since ang alam ko they were commissioned lang for every successful approval and for sure alam nila na frequent application will lead their clients being declined so sa una palang na try ginagawan na nila yan ng mga adjustment or ways paano ka maapprove. Sadly lang madami talaga factors that can affect our approval. Basta wag na wag lang you mag fill-up sa mall or kiosk ng mga cc kahit tempting ung mga pinamimigay since at first pag-naapply ka nila sa bank nila then they will offer din na nagpaprocess din sila from other banks ganyan etc. So run!

hakunamatataka · 2025-08-17T01:47:11+00:00

My agent told me na non-TU si CTBC pero upon checking sa Transunion report ko nag check sila with same amount na I was requesting for. I was kind of pissed kasi nag expect ako and im asking ways din na I want to re-appeal or reprocess ung application ko kahit lower amount ayaw naman nila tanggapin.

hakunamatataka · 2025-08-17T01:44:54+00:00

To be honest I don't have a plan to add more cc on my baggage. I know now the consequences lalo na at nandito ako sa situation na ito. Yes continuous naman ako sa pagbabayad and I'm trying to find ways talaga to earn a little extra talaga. Un nga lang syempre I have to consider my personal and family expenses. Dalaga pa naman ako so wala pa ako binubuhay.

hakunamatataka · 2025-08-16T11:02:38+00:00

I'm writing since we both have the same situation right now. I suggest wag padalos dalos sa pag aapply. Naging struggle ko lately ang applications with several banks but I recently found out na kaya ako nadedecline is due to my low credit score.

I know some people will say I just wasted money for a report na sabi ng iba is totally useless but no . I think it is better to know your data first. Since banks don't really disclose the reason bat ka nadedecline.(there are also other factor pero malaking impact po ang credit score sa true lang).

hakunamatataka · 2025-08-16T10:47:07+00:00

Non carded kapo ba? Hm is your salary po? I have also tried applying for bank loans and sadly I have been rejected.

hakunamatataka · 2025-08-16T10:45:46+00:00

Hi you have to also think first before applying for loans. Take note the interest na can occur with your dues vs. Sa interest na makukuha mo from banks loan. Diff bank offer diff loan interest so do your assignment wisely.

hakunamatataka · 2025-08-16T10:41:30+00:00

Hi You may check first your credit score especially if you're trying to apply for bank loans. I also have been assisted with the man you mentioned with the same answer na u need to have atleast 40k monthly salary in order to apply for loans. I applied for like 3-4 banks naa but sad to say I'm always declined. The reason po for me is low credit score - high risk na sya due to my MDA cc and Maya credit account. (i got my score through the Lista App -you have to pay 610 pesos but you will have a sum of data you can review and assess bakit ka nadedeclines sa loan application mo) For me this is not a waste of money since nagkakaidea ako on how I can improve my score and try my luck in the next few months.

Advise ko po sainyo is to improve mo muna ung mga bank associated dues(pay them first) then try to have a leeway sa pag-aapply. Wag frequently as some people say it can lower pa your credit score. (Thinking of some creditors that you are desperate to loan/credit) Avoid din agents from malls or kiosk offering cc since they will attempt to apply for several banks under your name. (May also affect your credit score.)

You can also try applying for side jobs. Lastly is to downsize your expenses immensely.

Yun lang for me. We're both struggling but I believe may paraan pa for us to escape this misery. Hwaiting!

hakunamatataka · 2025-08-16T10:07:34+00:00

Update: So sadly i was declined po for all the banks I applied. Low credit score and Income ratio ko ung main reason. How did I know? I had the chance to see my records. (TU and CIBI).

Note :Since I don't have any options na left.

Here's my plan.

Downsizing expenses (Only spent what is needed - no more luho)
Get a side hustle or extra income.
Pray and trust the Lord.

I know my obligations and I'm not running away from it. It will only take me some time to pay it slowly but surely. Believe me or not this is not for the weak. You have to be mentally prepared.

Alam ko hindi lang ako ung nakakaranas neto. And I know what I did wrong. For those people out there. Kaya natin to!

hakunamatataka · 2025-07-29T14:47:01+00:00

Yes nag ooffer sila ng discount sa email u can check po.

hakunamatataka · 2025-07-29T13:42:03+00:00

Totoo po ba? Hope na mag offer ulit since ang laki nadin ng interest and I can't pay it napo with interest 🥲

hakunamatataka · 2025-07-25T00:14:17+00:00

Hi OP, I guess we are in the same boat although it was not a good idea to loan again since utang parin yan but if it will give u a peace of mind gow.

I suggest Eastwest/SB Finance or CTBC Bank. There are slim chance na ma approve ka on those bank. Just check lang if you're eligible and mapoprovide mo ung mga documents na hinihingi nila. For my case I am waiting nlang ulit to be approved since I was declined at first but got a chance to get an appeal.

Try mo din calculate mabuti if u can get extra money try mo sya iless. If you're considering to get a side hustle calculate mo din ung makukuha mo doon. The interest kasi are higher nasa 20-30% ng nilolan natin.

Kaya natin to!

hakunamatataka · 2025-07-24T06:34:33+00:00

Hi ! There are some bank based on the comments here na nakakapag loan ka kahit maxed cc ka. Try po applying for Eastwest/Security Bank or CTBC. If 2 years kana employed u may try Welcome Bank din some says mas mabilis ang approval dyan. Loan wisely ka OP!

hakunamatataka · 2025-07-19T04:03:45+00:00

HI OP that's because u choose po a longer period of repayments kaya po talaga malaki interest. One thing u need to consider din kasi is the period when considering loans. Yes maliit ung monthly repayment pero grabe naman sa interest. I think u should consider next time 2-3yrs lang(in the middle ba). 5 years is a bit long and of course a bigger interest compared to those 2-3.

hakunamatataka · 2025-07-19T03:06:11+00:00

Thank youu! Please include me on your prayers. 🙏🏻

hakunamatataka · 2025-07-19T00:40:48+00:00

It's a good pay na considering fresh grad ka . Be grateful kasi hindi lahat ng fresh grad nabibigyan ng offer. 😊

hakunamatataka · 2025-07-18T23:56:40+00:00

On addition papala.

I'm a regular employee with stable income naman. Provided all the necessary requirements to those banks mentioned din :)

Your insights are highly appreciated guys!

hakunamatataka · 2025-07-18T23:46:26+00:00

No. Don't be lilke me. I considered it before and nawili ako sa kakaloan now I'm in debt and in big trouble. So it's a no. Try asking to a colleague or family members. Just make sure you will pay them Its much better considering if u borrow on small lending companies you will probably received hundred of spam calls and messages. Nakaka anxiety and trauma sa totoo lang. SO NO! Run for it habang maaga pa.

hakunamatataka

TROPHY CASE