If my credit and debit card payment application gets denied, can I still use OTC, Online Banking, and E-wallet Payments? September 07, 2022 08:50 Yes, you can still use the other payment channels. Related articles How do I avail credit and debit card payments? Can I view all paid, pending, cancelled, and expired transactions? How long does the credit and debit card application process take? Is BUx E-Money feature available to BUxSME and BUxBIZ Enterprise Account? What is BUx?