Help me: Personal loans

Hi I am 27 years old and with stable job. Ive been bad in handling credit cards and I know it affected my credit scores. I filed personal loan applications before but all were turned down. Now this is my status with my cards :
HSBC - closed/paid with certificate of full payment,
Eastwest - closed/paid with certificate of full payment,
EQUICOM - closed/paid in full but no certificate received yet,
MTBC - under debt restructure program with just 7,400 pesos balance. monthly installments paid in time.

Now, I really need to file a loan for an emergency but I am worried that my past credit scores will affect my loan application and will be denied. I tried my best to change and be responsible thats why I paid all and I never ran from any of my debts. So far as of now, I am just paying that MTBC card balance for 900/month.

Will anyone give me an advice if my current status will be good enough for banks to trust me again? Does anyone knows if my bangko na medyo maluwag ang process. And I dont have checking account? Will i be approved without that?

May alam po ba kayo na pwede mahiraman in fastest and easiest way?

I will really appreciate all suggestions. Kailangang kailangan ko lang po for my parents. I am running out of time po.

Thank you.

:frustrated::frustrated::frustrated::frustrated::frustrated::frustrated::hmm: