Thoughts on Mercury Visa of UB but without NAFFL

Hello sa lahat, for you ba sulit pa rin ang Mercury Visa even if hindi mo ma avail yung NAFFL?

Just a little bg why i go for this as my first CC, the main reason why i get a CC is for the maintenance medicine of my mom. Walang ibang dahilan, sa pagbili ko lang talaga sya ng gamot gagamitin. I spent around 4,000 weekly. I can afford it by cash however naisip ko bakit hindi ako kumuha ng cc then bayaran ko on time, para gumaganda na yung credit score ko.

Kaso yun nga I’m not eligible for NAFFL promo since I don’t have any existing CC from other banks. Around 2,900 kasi ang AF nya. Kasama na don yung supplementary. Or should i get this one cancelled nalang then get the rewards visa with NAFFL as long as you spend 20,000 within 60days?

love to hear your thoughts about this. Maraming salamat in advance!