BPI SCC for a beginner

Hi guys!

Quick background: 23F, 2 years working, around 30k net pay, may 6 digits savings sa MBB (Payroll). May BPI savings account but barely using it for savings. Ive been thinking na mag-apply for an SCC as reco also ni MBB when I applied for a CC pero declined.

Plano ko sana gamitin yung SCC to pay for the downpayment + monthly fee ng braces. Kaya naman na if full payment and upfront cash, pero naisip ko baka opportunity na gamitin yung SCC para mag-earn muna ng interest ung payments ko and makastart ako mag-build ng credit score as early as now.

I’ve been eyeing BPI especially their Amore Cashback Card as my first SCC since okay lang ung AF and perks. I can do 30k max for the hold out deposit. Dillemma ko ngayon:

• Mag-apply na ba ako ng SCC kahit for braces lang and partly groceries? I’ve been also planning to travel internationally, and having a CC is also an advantage, hindi po ba?
• Or wag na muna, diretso cash na lang ako sa dental? May chance ba na offeran ako ng Regular CC ni MBB once mag-increase pa lalo savings ko sa kanila?

Any input from you guys? Totally a newb to this kind of stuff kaya curious din sa best options. 🫶