u/DayDear2620

kelan po ulit pwede magapply once madecline? i posted here last week regarding outright reject application ko. and then my agent, sir henry veniales nirecon nya but sadly decline padin ako kay ctbc.

i don't have any ccs, ang loan ko lang na OD is billease and gloan other than that wala ng iba. daming vouch kay sir henry kaya sakanya ako nagtry instead of sir ralph, ang reason daw kung bakit is sa scoring, company, position and salary. bakit kaya naapprove yung iba kahit may bad credit? i have 30k salary not including the incentives, as per HR namin di rin sila nagemployment verification nung inask ko yung HR. huhu bawi nalang talaga next life, nakakapang lumo siguro ang laki lang ng expectations ko na maapprove ako dahil sa mga nababasa ko dito T^T

hii anyone here applied for CTBC Personal Loan na naoutright reject? my agent is sir henry veniales ang sabi nya baka walang nakitang TU score sakin, and unfortunately di sya ganon kaactive mag assist sakin siguro dahil sa non carded ako and wala rin akong ibang loans aside sa billease and gcash loan.

my salary is 30k gross and di pa kasama yung other incentives, makakapag apply kaya ako ulit with other agents? badly needed for house improvement pandagdag sana for renovation and ofc for debt consolidation na iba na need bayaran, since dalawang bahay na nirerenovate samin and napaggigitnaan kami ng family ko and unfortunately babagsak na yung bahay namin since year 1960s pa sya.

nalulungkot lang ako since nagpasa naman ako ng complete requirements pero bakit mas naapprove pa yung may bad credit? complete reqs naman ako ng pinasa, and willing din ako magpahome visit or CI para makita yung house talaga namin and for HR visit sa work, bakit kaya ganon? please bare with me, first time ko lang magpost here to ask some questions. thank you so muchhh