RedditPin4Share35TweetShareClipVibeWhatsAppTelegramPrintEmail39 SharesOne of the most aggravating things a person can experience is when their credit card or loan application gets declined. Especially in the Philippines where transparency is not the norm and we don’t have a systematic credit history reporting, many people are left guessing in the cold, wondering why the bank doesn’t want their business.    Did the bank think you can’t pay their dues? Why, you have a high income and can comfortably pay off your balance each month.    Maybe the bank uncovered your unpaid credit card bills? But that was from years and years ago when