u/Amazing-Type-235

Hello po! I'd like to ask if anyone experienced the same thing or if you have any tips.

I applied for a CLI last May 8 for my BPI, called CSR today (May 19) and found out I wasn't approved. I ask for 800k increase from my 405k (combined CC and Madness Limit). I-credit-to-Cash ko kasi sana.

CSR told me na I wasn't approved because there was a recent CLI for my credit card (around 25k lang). He told me to apply after 1 month para hindi na ako covered ng recent CLI increase.

From what I read here, you have to wait 6 months before applying again (tbh I can't wait that long bc I need the funds).

• Nangyari na ba sa inyo na after 1 month puwede na mag-apply ulit?
• Is there a way para tumaas chance ko of getting approved?
• I'm planning to apply for Credit-to-Cash na sa 400k na meron ako, and mag-apply na lang for another round once na mag-increase sya pero that means mataas din ang magiging monthly payment. Huhu. What are the chances din na puwede ako kumuha ng credit-to-cash ulit if ma-approve ako.

Thank you po!

Hi, I’m planning to apply for a BPI Personal Loan worth ₱500,000, payable for 5 years.

I recently transitioned to a new job without any employment gap. My previous role had a gross monthly salary of Php60k, while my current position provides a gross monthly income of Php135k.

I’d like to ask if it would be acceptable to submit two payslips from my previous employer along with one payslip from my current employer, given that the requirement is at least 3 payslips. Medyo may hinahabol kasi ako kaya cannot wait to reach 3 months sa current employer.

For additional context:
- I maintain a BPI debit account
- I also have a BPI credit card with a ₱250,000 limit with a consistent record of on-time payments

May I know how this situation might affect my loan application?

Thank you!