personal loan from banks while i have an outstanding OLAs

Hi - anyone na may experience na maapprove ang personal loan application sa bangko while may OLAs na ODs? If yes, baka pwede pashare ng experience 😭

I accumulated a quite huge amount from OLAs since last year due to unemployment and family emergency (Billease, Tala, Gcash, and other PayLaters)

. I need around 50k para mabayaran lahat ng overdue ko including interest at personal loan for debt consolidation sana ang balak ko i apply. Pag mag paunti unti kasi ako ng bayad sa ola ko interes lang siguro macocover. Hindi kaya na iinstallment pa sya ulit at nasa collections na rin sya :( Currently wala akong CC and if ever I get one magagamit ko ba sya to pay my OLAs?