Plan to Open a BPI SCC tomorrow

So I was planning to get a credit card, I am a government employee and planning to went to business soon after my career and I want to build my credit score for that. I read that to get a good offer for banks for business loans its best to have a good credit rating, but most loans I have is just my car from TFS and a house from Pagibig so I was not accepted from a CC (even I met the annual income). My last resort was to open an SCC, I went to PNB get a SCC but almost two weeks but no one calls me yet same with RCBC open an Hexagon account but no one calls me yet. Now I want to try the BPI hoping if its faster. Is there a chance that I can be turned down also for SCC because of my standing loan at TFS and Pagibig (P.S never been late to paying both loans).