Hi! new here
My friend and I are planning to go to Korea this Fall (Oct or Nov 2019), we plan to apply by August. Just want some advice on my situation:
Wayback Sep 2016, my friend and I applied for Tourist Visa. We already have our flight booked, seat sale, return ticket is 4k only. unfortunately, my application got DENIED (reason : failed to quality on the visa I applied for ) -- self-employed, the business is just 6 months, I provided my ITR but the amount is negative so I dont have receipt (tax-exempt?), bank account is just 60k, and the stable amount is 20k, only when we were about to apply I deposited gradually to 60k, it was supposedly my second 2nd travel, 1st was Singapore (May 2016).

(My friend was approved but she didnt go bcoz of me

)
As for my previous experience on Korean Visa, Im paranoid on applying again.
My present profile:
Business Woman - small business, 3 yrs
Travel History:
1. Singapore- May 2016 (but it was on my previous passport, and not planning to pass it because Korean embassy stamp on my visa refusal at the back.
2. Taiwan - May 2018
3. Japan - March 2019
Now has 96k on BDO bank account (opening date: May 2017), plans to save and make it 130k by August.
with Bus. permit, Dti, Bir, and ITR but it is just small business.
my questions:
1. now that I already have Japan visa, am I exempt of submitting ITR? (you know, Im quite nervous on my ITR)
2. I just opened an account on BPI last Oct 2018, it has 18k as of now. The manager is offering me secured credit card, if I want to grab it, I have to deposit more and make it 100k for me to quality on GOLD CC. But my savings will be on hold.
3. Now Im confused, if I will have to go to
-PLAN A (just apply with my BDO account, and pass all my documents even my ITR; or
-PLAN B (withdraw my money on BDO and deposit on BPI to qualify for gold CC
BTW, I already inquired on BDO if they offer secured CC but the staff on my branch said they dont.
Already thankful for any suggestions. thank you guys.

-paranoid girl
