Sir, naka received po ako ng sms at email na " just for " may kasama po syang promo code, tpos hindi nadw po need ng application or etc, nag apply po ako matic po ba na approved na un?
Bos yung sakin parang loko yung rider na nag hahatid yung una kasi hindi ko nakuha edinilever nung ipapakuha ko tapos hindi pa na meet nung mag recieve aba loko walang ilang minuto kinasel nung rider sinabi na wala daw mag rerecieve. Go21 yung mag dedeliver tapos hindi pa ma contact yung number.
Aww. 😢 Normally mag rere attempt yan sila ng delivery. Pero try nyo po tawagan customer hotline po nila para maka request po kayo ng delivery attempt at makapag provide po kayo ng feedback sa kanila.
@johnpolgacu Salamat po, dipo Kasi Ako mapakali Kasi nakalagay sa 12 of the month napo. Pero okay lang po in na delay po Ako Kasi gusto ko napo magbayad kaya lang talaga Wala pa ung soa
Hi john I just watched your old vids. May I know what are your active and currently using bank credit cards? Yung sa BPI cc nyo po ba is may annual fee din? And have you ever thought of BDO CC also? Thanks hehehe new subscriber here 🙂 Thanks
Hello po. I have bpi, eastwest, ub and hsbc. Nag send po saken ng credit card si bdo before diners club, pero pina cancel ko po kasi di ko naman sya nirequest at baka di ko din magamit lagi. May video po ako dun watch nyo din po: ruclips.net/video/WwO_DrejE6w/видео.htmlsi=v2KEWit8iHGFB_QN
Hello po I'm new sa cc. It's true po ba na yung laman ng credit card mo kapag bago need siyang ubusin within 2 months? And kapag nagamit mo na kapag bayaran napo buo din po ba yung pang babayad mo or pwede po siyang installment? Kasi nag ask ako sa ub kanina sabi depende daw kung yung pag bibilhan ko ay installment. Tapos nabasa ko naman po sa online na ganon ngapo hindi siya pwedeng installment buo siyang babayaran and then kapag nabayaran nadaw ng buo ma wave na yung annual fee forever. Saka palang daw po pwedeng gumamit ng cc na pwedeng installment ang bayad. Sana masagot po hehehe
Hello. question ko lang.. My application just got approved this week tapos ginagamit ko na din ung virtual cc. need ko po ba magspend ng 20k before dec 31 or base pa din sa 60 days after approval ung promo? Thank you po.
Hello. Sa pagkaka intindi ko po, base padin po sa 60 days after approval and Dec 31 is just a promo period. For accurate info po, please reach out nalang din po sa customer service nila.
Hello first time user po ng cc ask ko lng para ma avail ko ung affl halimabawa nag bayad ako ng bills today using cc tapos after 2 days pay ko in full magreflect po ba agad sya sa ub app ko? Then pay ohter bills para lng maconsume ko ung 20k spending limit? Sana po masagot thank you po 😊
Hello po. Yes po, pwede naman po yan. Regarding sa payment ng nagamit nyo sa card, if you will UB app using your ub savings account - mag rereflect po agad sya. Pero kung gagamit po tayo ng other payment processor like gcash - it may takes 3-5 business days po bago mag reflect sa app. :)
Hello. Sa UB din po kasi inactivate, kaya once na activate sya, mag rereflect po sya dun sa app. Or pwede nyo pong e manual yung pag add. Click nyo lang po yung “Add/Manage” na button sa app.
@@johnpolgacu for example po, installment po pipiliin for payment and yung product is worth 20k po, consider na po bang 20k spent na po ba yun to avail NAFFL? Or need straight cash payment po sa store na bibilhan then choose the installment option sa online acct po? Sorry po, bago pa po ako sa credit card 🥲
You’re welcome po. Base po sa understanding ko dun sa terms and conditions nila, parang hindi po kasama yung installment. Kaya mas safe talaga na straight purchase po sya para sure. For accurate info po, you may also reach out din po sa CS nila for further assistance. :)
Pag paid na po ba siya auto replenish po ba ang credit limit? Just got approved po and nagamit ko na for online purchase. Akala ko auto installment siya good as cash dn pla so need i pay ng buo sa due date. Pag ganun po nabayaran na .auto replenish ba siya?
Hello Palangga. Pwede po sa bills payment like Meralco or Internet. Pero yung sa Government keneso - (sa pagkaka intindi ko sa t&c nila) di sya kasama.
another question po if ever na hndi ako maNAFFL yung magiging annual fee po ba is every year lang po noh? So magrereflect lang yun AF once naka isang taon na po ako sa CC tama po ba? medjo nalito lang po kasi ako haha may nagsasabi kasing any amount spend meron naman 20k required spend.
Yes po, once a year lang naman yung annual fee charge. May nababasa din akong ganyan na nakaka receive sila ng NAFFL promo kahit hindi 20K spending, pero di kasi sya nakasulat sa terms ni UB eh. Maybe it’s true, pero mahirap nadin maniwala if walang basehan.
@@johnpolgacu thank you po, question lang yung NAFFL ba magstart ang pag spend ng 20k once maapproved po noh? kahit wala pa ung physical card pwede na gamitin pra makapagspend ng 20k? applicable ba sya sa mga babayaran na spaylater na via card?
Yes po. 20K spending within 60 days from approval date. I guess hindi sya applicable dun, dun sa kasi terms nya excluded yung financial transactions. :( Pero you can try reaching out po sa CS nila for clarification.
Hello po. Alam ko po, Oo. Since approved yung application mo, they will consider na may membership ka na. For accurate info, kindly reach out nalang din po sa CS nila.
Hi po question lang if ang statement date ko is dec 2, 2024 then nakita ko sa app may due date ng nakalagay. If gagamitin ko ung cc ko sa mismong dec 2 din is dadagdag po ba sya sa dec 2 soa? Or for next soa na po sya papasok?
Hello Palangga. Depende po kasi sa posting nung transaction. Normally once we use our credit card nag pepending pa sya and it takes 1-3 business days bago mag post. If mag post po on the same day, possible madadagdag sya. If not, on you next billing cycle na ulet sya. :)
Same po saken till now wala pong malinaw na aksyon or solution galing kay maya. Nag send din ako ng dispute form sa email na binigay saken hangang ngayon walang reply mula sa kanila. Tapos nagtext na c maya billing statement na may interest na. Tapos may tumatawag saken sinasagot ko namn sila din walang aksyon parang walang turn over or endorsement na nangyayari sa mga staff Ulit ulit lang ako sa knila na paliwanag @@johnpolgacu
Sir ask lng Po?I got my PIN.now, I try to withdraw?but the available withdrawal is only 1k?Akala ko Po?half of my credit limit.yun Po kc nkalagay sa card na nakuha ko Po?na try nyo na Po bang mag withdraw sir?
Hello po. Thanks you for sharing this experience. Never ko po kasi akong nagamit ng cash advance. In your case po, I recommend reaching out nalang po sa CS ni UB para ma double check po nila sa system nila yung pinaka reason and for further assistance.
I tried applying dyan sa Rewards Visa pero dun sa online application form, hindi ako umabot sa part ng employment details at mailing address ko, after uploading my selfie and valid ID, bigla na lang sya nag submit and it gave me reference number tapos wait 3 days for the result daw. After 1 week nakatanggap ako email na declined daw ang application ko. After a week nagtry uli ako mag apply, pero for U Visa naman ni Unionbank, and same thing happened. After uploading my selfie and my valid ID (National ID gnamit ko), hindi din ako umabot sa employment details at address, nag submit agad then reference number. I applied last month, until now wala result. So I assume declined na din un. I applied for Atome card 4 days ago, kinabukasan I was approved. Waiting for the physical card nalang. Hindi kona inulit mag apply sa UB, baka di talaga ako para dyan hehehe.
Aww 🥲 Try nyo po sa ibang bank na meron kayong existing savings account or ginagamit nyo for payroll. Base kasi sa experience ko, yung una kong CC na pre approved is galing sa bank na matagal ko na ginagamit for savings and payroll. Once magkaroon kayo ng isa, malaki na po posibilty ma approve sa iba.
@ i had payroll with Security Bank for over 8 yrs, kaso upon checking their list of CC, hindi rin pasok annual income requirement ko so I cannot apply din hahaha.
Hello. Spend lang yung required nya to achieve yung promo. However, installment po is different from straight/one time purchase. Base din sa pagkaka intindi ko sa t&c’s nila, installments is exluded sa eligibility. Kaya mas safe nadin if straight purchases.
Kaya UB po yung NAFFL promo. :) Yung 5K egc naman po, nakuha ko po sya kay smart. Si smart po kasi nag offer saken ng UB. Watch nyo po itong una kong video with UB: ruclips.net/video/bsTCGHoNwrc/видео.htmlsi=Sqm9fLkDBSTEAQqu
Ma cha charged po kayo ng interest if may remaining past due balance. Kaya always pay in full nalang po on or before due date instead of paying the minimum.
yes po, meron po. Hanapin nyo lang po yung email na nasend sa inyo before with application approval - dun po naka indicate yung instruction and your unique code to activate your virtual card sa app.
Hi sir, normal lang po na zero bal. Ang nakalagay sa Cc sa UB app account.. bago pa palang po kasi ang CC ang kaka reg ko lang sa UB app ko,.pero ang nakalagay zero bal.pero kapag ni click mo ung card nakalagay 20k credit limit.. thanks
Hello Palangga. Yes po normal po yan if wala pa kayong nagagamit sa card. Jan sa po sa Oustanding balance mag rereflect lahat po ng usages nyo sa card tuwing gagamitin nyo sya.
@@johnpolgacu ohh.. I get it.. thanks so much.. ❤️ you almost answered my confusion..😅 last Question po.. Kapag po 10k ang cash limit and ok na din po ung cash pin and everything, ung 10k po ba na un lahat po ba un ma mawiwidraw mo na or limit amount lang po? And pwdy mo sya ma widraw in any atm machine, kike BDO kasi un lang po malapit dto sakin.. Thanks so much.. have a good day ahead..
Hello Palangga. Hihingin po kasi yung card info sa app during registration. As far as I know din once approved na yung application mo, they will send you an email kasama dun sa approval notice kung paano ma activate yung virtual card. Double check nyo nalang po ulet yung mga email na nareceived nyo or reach out to their customer service for further assistance.
Hello po sana mapansin miyo po . Just got my ub cc yesterday. Questions lng po first cc ko kasi para po ba sa naffl need pp ba talga 20k maspend for 60 days ? What if lower than 20k pp ung credit limit ?
Hello Palangga. Yes po, as per their current promo with naffl, requires 20K spending within 60 days from approval date. If di kaya ng limit nyo, pwede nyo po agad bayaran yung naging spending nyo like advance payment or as soon as the bill generated. In that way, mag rereplish po agad yung credit limit nyo for another spending. :)
Hindi naman po need, spending lang din kasi nakalagay sa promo nila. :) Pero it is best to avoid part due balances para di tayo ma charge ng additional charges like interest or late fee.
Hello. Though I’m not sure if kasama ang pay direct, pero pagkaka alam ko di sya categorize as spending. It is safe padin talaga na regular spending. For accurate info, kindly reach out nalang din po sa cs nila. :)
Hello po sana po masagot nyo po tong tanong ko, kasi nag apply po ako nga platinum rewards visa credit card po ng UB kasi po nakikita ko po sa mga ads nila na no annual fee sya at di rin po nakalagay dun na kelangan may target na spending pra maging no annual fee for life, automatic na po klba kaya na no annual fee na yung card ko? Di ko po kasi ma confirm salamat po..
Hello Palangga. Base po kasi sa terms and conditions ng promo nila, the promo requires 20K spending within 60 days from approval date. For accurate info and assistance with your case, kindly reach out nalang po sa CS nila. :)
Hi sir! May ask po sana ako, i got my card na. Sinusubukan ko pong i-activate ito, pero ang lumalabas lagi ay " we cannot use the details you have provided at this time." Please engligten me. Thank you so much sir!
Hello po. In your case po, if you’re still running into this issue, kaulangan nyo na pong mag reach out sa customer service nila para ma double check po nila mismo sa system nila and to get this fixed.
I see. 🥲 Double check nyo po if activated na po yung card. If activated naman and still not working, possible may other reasons and it is best to reach out to CS para ma double check po nila system nila. Meron din pala akong vlog about reason why credit card payment is failing, watch nyo po ito baka makatulong: ruclips.net/video/llZMD6KpDA4/видео.htmlsi=Gwvqa2LlROcXvunf
You may also consider PayDirect po, mas makaka save kayo compare sa cash advance. Watch nyo po itong latest video ko about PayDirect: ruclips.net/video/2iN6Iu3WWQ4/видео.htmlsi=UibQNcIAein9LyQj
Hello Palangga. Yes p, if hindi of naffl yung card natin, mag rereflect yung annual fee everytime na mag anniversary yung card natin. Pero you can try reaching out naman po sa CS nila if they can waive it for you once nag reflect yung charge. :)
Yes po monthly po. Marereceive nyo po SOA nyo on your statement date and dute normally 15 days after statement date. Watch nyo din po itong isa kong video: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=Hx2G5aUi3adsmtn5
Kailan po magsstart yung 60days requirements for no annual fee? Pag po ba nakuha na physical card or kapag na activate na yung card? thanks po sa sagot
Good evening po Sir. May union cc po Ako ,every 12 of the month po Ang payment ko po sa statement balance ko po, kaylangan po ba antayin ung soa Bago magbayad ng statement balance po? Thank you po,sana napansin niyo po😊
Hello po. Pwede nyo naman po agad bayaran. Yun nga lang it will create confusions kasi kapag may advance or multiple payments. Watch nyo po itong isa kong video as to when is the best day to pay our cc bill: ruclips.net/video/wDnbMOpMqWI/видео.htmlsi=5m1F8KcAxjBakyDZ
@@johnpolgacu Gudpm sir. Dumating napo ung SoA, dati ko po statement balance is 1,557 naisama po ung mga magamit ko Ngayon November po, ung 1,557 po yan po nagamit ko po Nung October,ung iba Ngayon November napo. Naging 13,980 napo lahat
Hello po. You mean for cash advance atm withdrwal? Not sure lang po if meron daily limits, pero if you’re using the same card, half po sya ng total credit limit nyo po and pwede nyong ma withdraw for cash advance. Makikita nyo po sya dun sa papel when you received your card.
Hello Palangga. Based po sa requirement ng promo nila, it seems di naman necessary na bayaran agad. Pero it is best din to clear our bills para ma avoid natin yung interest and late fee.
@johnpolgacu wala pa din po silang update. May tumawag nanmn saken kanina pero wala nmn aksyon na ginagawa. Ulit ulit lang ibat ibang tao or csr na tumatawag pero hangang ganon lang walang pagbabago. Ulit ulit nlang ang kwento ko sa kanila. Sa email din nila wala din response nagbibay ng email kung saan i sesend ung dispute form pero wala nmn sila reply up to now. Last oct 10 nangyari yong hacking. Hangang dumating na ung billings nila na may interest na.
Aww, 😭 Oct 11 yung akin. Yun dun yung problema ko, yung Maya credits na 30K plus 2K fee = ₱32K mag do due sa Nov 22. :( May tumatawag na ba sa inyo na collections?
Yes po. 🥲 ₱2,500, pero you can try reaching out naman po sa CS nila for possible option or if they can waive it for you once nag reflect na yung annual fee.
Just got my credit card today nakalagay sa sobre 15K CL pero sa online app 30K yung CL. Alin po ang tama sa dalawa? Sorry bago lang ako sa credit cards
Hello Palangga. Thank you for sharing this experience. In your case, need nyo pong e reach out sa customer service nila para ma double check po mismo sa system nila kung alin po yung tama.
Hello, nakalagay kasi sa promo na nakuha ko sa UB credit card via sms "this exclusive offer let's you enjoy NO ANNUAL FEE FOR LIFE when spend any amount upon receipt of the card." So, this means ba na hindi ako required magspend ng 20,000 for NAFFL instead any amount ang need?
Hello Palangga. Thanks for sharing this. Tho I’m not sure sure if may changes ba sa promo nila. Pero if you will check their terms & conditions ng welcome gift No Annual Fee - Rewards Card requires 20K spending within 60 days: www.unionbankph.com/cards/credit-card/discounts-and-promos?id=870 For accurate info and assistance, kindly reach out nalang din po sa customer service nila. :)
Same case sakin. "This exclusive offer lets you enjoy NO ANNUAL FEE FOR LIFE with FREE 10,000 points* when you spend any amount upon receipt of the card." I'm wondering kung ANY AMOUNT ba tlaga. Kaya ako ng apply kasi hindi indicated yung 20k sa email at text. DEC 19 na received ko ynug email. Applied agad ako kasi good for 1 week lang yung promo. Out for delivery na yung card today JAN 7.
Possible din nga na limited promo yung sa inyo. Saken kasi from smart galing yung application link ko and they really requires 20K spending. I guess much better nga to check with CS nila para ma confirm lang yung special promo nila sa Inyo since di sya naka public.
@johntrev9123 ano update sayo? Nag text na sakin ang UB. WAIVED FOR LIFE yung Annual fee ko. I spent only 200 pesos. and I already received my 10,000 points rewards. ☺️ Legit nga yung mga FOR YOU PROMO and to spend ANY AMOUNT lang.
Hello po. Sabi oo dun sa terms nila di kasama yung installment. :( Pero you can try reaching out po sa CS nila for accurate unfo and further assistance.
Hello po. I guess same application process lang po sya with other types of credit cards. Watch nyo po itong una kong video for application process: ruclips.net/video/bsTCGHoNwrc/видео.htmlsi=tXndkh7D0G7Zjf9O
ask kolang, sila kasi nag offer sa akin nh CC and as per Customer Service nila, basta mag spend lang daw ng min. Of 1 peso para ma activate daw yung no annual fee
Hello Palangga. Thanks for sharing this. I’m not sure if that’s a special offer for you. I suggest asking them for any reference number para meron kang proof on what they promised in case na ma charge ka padin ng annual fee.
🎁 Get Your UB Rewards Card Here: apply.cc-pl.unionbankph.com/PLCC/StartApplication?media=6479956808&scode=DCMMSMALL1&DCMMSMALL1&MGM&DCMMSMALL1
Salamat sa info.direct to the point lahat❤
I do appreciate your feedback. 🫶
Thanks John! Laki ng tulong mo :)
You’re welcome and thank you din po sa feedback. 💝
Thanks Boss for the info...clear naman lahat ng mga questions ko regarding about this cc of union bank
Thank you din po sa feedback. 🫶 I do appreciate this.
Just got my physical card yesterday. I applied for cc last dec. 6 then in just 15 mins i got approved. It took only 7 day, thank you union bank
Nice! 🫶✨ Thanks for sharing your experience Palangga.
Wow! I just got a text message confirmation today (Nov 12,2024), that my Annual Fee for this card is waived for life. 😍
Same 😊 nag mass approval sila ng mga candidate para sa NAFFL promo 😊
Try mo rin yung U Mastercard Platinum CC ang ganda ng design at automatic NAFFL rin parang U Visa 😊
Thank you. 💖
SMS received from UB yestereday for NAFFL
how po? need po ba iswipe? or pede sa online lng?
Question po after mag cash advance? One time payment po ba or pwde po siya e convert to installment po? Thank you po
Sir, naka received po ako ng sms at email na " just for " may kasama po syang promo code, tpos hindi nadw po need ng application or etc, nag apply po ako matic po ba na approved na un?
Bos yung sakin parang loko yung rider na nag hahatid yung una kasi hindi ko nakuha edinilever nung ipapakuha ko tapos hindi pa na meet nung mag recieve aba loko walang ilang minuto kinasel nung rider sinabi na wala daw mag rerecieve. Go21 yung mag dedeliver tapos hindi pa ma contact yung number.
Aww. 😢 Normally mag rere attempt yan sila ng delivery. Pero try nyo po tawagan customer hotline po nila para maka request po kayo ng delivery attempt at makapag provide po kayo ng feedback sa kanila.
inaantay ko po ung soa kaso wala po, kaya dipo ako nakapag payment ng statement balance ko po every 12 of the month po ang payment ko po
Possible delay lang sya. Wait nyo lang po after 24-48 hrs.
@johnpolgacu Salamat po, dipo Kasi Ako mapakali Kasi nakalagay sa 12 of the month napo. Pero okay lang po in na delay po Ako Kasi gusto ko napo magbayad kaya lang talaga Wala pa ung soa
Okay lang yan. May alloted time pa naman for payment na mag rereflect as due date sa statement. :)
Hi john I just watched your old vids. May I know what are your active and currently using bank credit cards? Yung sa BPI cc nyo po ba is may annual fee din? And have you ever thought of BDO CC also?
Thanks hehehe new subscriber here 🙂
Thanks
Hello po. I have bpi, eastwest, ub and hsbc. Nag send po saken ng credit card si bdo before diners club, pero pina cancel ko po kasi di ko naman sya nirequest at baka di ko din magamit lagi. May video po ako dun watch nyo din po: ruclips.net/video/WwO_DrejE6w/видео.htmlsi=v2KEWit8iHGFB_QN
Hello po I'm new sa cc. It's true po ba na yung laman ng credit card mo kapag bago need siyang ubusin within 2 months? And kapag nagamit mo na kapag bayaran napo buo din po ba yung pang babayad mo or pwede po siyang installment? Kasi nag ask ako sa ub kanina sabi depende daw kung yung pag bibilhan ko ay installment. Tapos nabasa ko naman po sa online na ganon ngapo hindi siya pwedeng installment buo siyang babayaran and then kapag nabayaran nadaw ng buo ma wave na yung annual fee forever. Saka palang daw po pwedeng gumamit ng cc na pwedeng installment ang bayad. Sana masagot po hehehe
Hello. question ko lang.. My application just got approved this week tapos ginagamit ko na din ung virtual cc. need ko po ba magspend ng 20k before dec 31 or base pa din sa 60 days after approval ung promo? Thank you po.
Hello. Sa pagkaka intindi ko po, base padin po sa 60 days after approval and Dec 31 is just a promo period. For accurate info po, please reach out nalang din po sa customer service nila.
Hello first time user po ng cc ask ko lng para ma avail ko ung affl halimabawa nag bayad ako ng bills today using cc tapos after 2 days pay ko in full magreflect po ba agad sya sa ub app ko? Then pay ohter bills para lng maconsume ko ung 20k spending limit? Sana po masagot thank you po 😊
Hello po. Yes po, pwede naman po yan. Regarding sa payment ng nagamit nyo sa card, if you will UB app using your ub savings account - mag rereflect po agad sya. Pero kung gagamit po tayo ng other payment processor like gcash - it may takes 3-5 business days po bago mag reflect sa app. :)
Sir kumusta po? May update na po ba sa Maya nyo? Saken kase lahat ng ticket number na prinovide nila, tag as closed na 😢
Hello. Under review padin yung case ko until now. Aww, nakareceived ka ba ng email sa kanila kung ano yung resolution nila sa dispute mo?
Pano po siya ipasok sa apps ng union bank para makita ko po sa apps kung may laman po ba
Hello. Sa UB din po kasi inactivate, kaya once na activate sya, mag rereflect po sya dun sa app. Or pwede nyo pong e manual yung pag add. Click nyo lang po yung “Add/Manage” na button sa app.
ano po mas better unionbank u visa platinum card or unionbank reward visa platinum card?
For me, yung rewards card. You can earn points po kasi with rewards card. While yung U card, wala syang benefits for spending.
@@johnpolgacu thankkkk youuuuu
@@johnpolgacu for example po, installment po pipiliin for payment and yung product is worth 20k po, consider na po bang 20k spent na po ba yun to avail NAFFL? Or need straight cash payment po sa store na bibilhan then choose the installment option sa online acct po? Sorry po, bago pa po ako sa credit card 🥲
You’re welcome po. Base po sa understanding ko dun sa terms and conditions nila, parang hindi po kasama yung installment. Kaya mas safe talaga na straight purchase po sya para sure.
For accurate info po, you may also reach out din po sa CS nila for further assistance. :)
@@johnpolgacu thank you so much sir! Apaka responsive niyo po, God bless youuu!
Pag paid na po ba siya auto replenish po ba ang credit limit? Just got approved po and nagamit ko na for online purchase. Akala ko auto installment siya good as cash dn pla so need i pay ng buo sa due date. Pag ganun po nabayaran na .auto replenish ba siya?
Yes parang Spaylater 😊
Yung installment feature after a month or two pa pag dating ng soa magiging available naak greyed out pa rin sakin 😊 oct 4 approved
I agree with @romella_karmey.
Hi palanga, ask ko lng po f pede gamitin s bills payment and government contribution like sss un cc to avail un naffl
Hello Palangga. Pwede po sa bills payment like Meralco or Internet. Pero yung sa Government keneso - (sa pagkaka intindi ko sa t&c nila) di sya kasama.
Kamusta po yung maya nyo sakin kasi naka close padin account ko tapos naniningil na sila ng loan na di naman ako ang nag loan
Awww. 😢 Ongoing padin po dispute ko. Wait padin daw ako ng email. Upload ko po next video yung full updates.
Yung Cash advance pin po ba yun na yung CREDIT CARD PIN?
Yes po
another question po if ever na hndi ako maNAFFL yung magiging annual fee po ba is every year lang po noh? So magrereflect lang yun AF once naka isang taon na po ako sa CC tama po ba? medjo nalito lang po kasi ako haha may nagsasabi kasing any amount spend meron naman 20k required spend.
Yes po, once a year lang naman yung annual fee charge. May nababasa din akong ganyan na nakaka receive sila ng NAFFL promo kahit hindi 20K spending, pero di kasi sya nakasulat sa terms ni UB eh. Maybe it’s true, pero mahirap nadin maniwala if walang basehan.
@@johnpolgacu thank you po, question lang yung NAFFL ba magstart ang pag spend ng 20k once maapproved po noh? kahit wala pa ung physical card pwede na gamitin pra makapagspend ng 20k? applicable ba sya sa mga babayaran na spaylater na via card?
Yes po. 20K spending within 60 days from approval date. I guess hindi sya applicable dun, dun sa kasi terms nya excluded yung financial transactions. :( Pero you can try reaching out po sa CS nila for clarification.
@@johnpolgacu Sa just for u offer Yun kht piso lng ang na spend pasok na sya sa NAFFL
Thank you for that info.
Hi po!
Ask ko lang po kung magbabayad pa din po ng annual fee kahit hinde pa activated yung card?
Thanks po in advance sa magiging sagot.
Hello po. Alam ko po, Oo. Since approved yung application mo, they will consider na may membership ka na. For accurate info, kindly reach out nalang din po sa CS nila.
😊
💝
Same waived na annual fee ko
Nice! 😍✨
Me 30 days lng now recieved a Text waived na annual fee ko for life 😊
Thank you for sharing this.
Na spend mo ba 20k?
Hi po question lang if ang statement date ko is dec 2, 2024 then nakita ko sa app may due date ng nakalagay. If gagamitin ko ung cc ko sa mismong dec 2 din is dadagdag po ba sya sa dec 2 soa? Or for next soa na po sya papasok?
Hello Palangga. Depende po kasi sa posting nung transaction. Normally once we use our credit card nag pepending pa sya and it takes 1-3 business days bago mag post. If mag post po on the same day, possible madadagdag sya. If not, on you next billing cycle na ulet sya. :)
@johnpolgacu ah ok po kaya pala nagtaka ako may transaction ako bago mag soa tpos hndi sya nasaman sa soa ko tpos for next soa na pala sya
Thanks for sharing your experience din Palangga. 🫶
May update na po kayo sa maya?
Hello po. Sa ngayon under investigation padin dispute ko. 😢 Gawan ko po video soon for update.
Same po saken till now wala pong malinaw na aksyon or solution galing kay maya. Nag send din ako ng dispute form sa email na binigay saken hangang ngayon walang reply mula sa kanila. Tapos nagtext na c maya billing statement na may interest na. Tapos may tumatawag saken sinasagot ko namn sila din walang aksyon parang walang turn over or endorsement na nangyayari sa mga staff Ulit ulit lang ako sa knila na paliwanag @@johnpolgacu
Sir ask lng Po?I got my PIN.now, I try to withdraw?but the available withdrawal is only 1k?Akala ko Po?half of my credit limit.yun Po kc nkalagay sa card na nakuha ko Po?na try nyo na Po bang mag withdraw sir?
Hello po. Thanks you for sharing this experience. Never ko po kasi akong nagamit ng cash advance. In your case po, I recommend reaching out nalang po sa CS ni UB para ma double check po nila sa system nila yung pinaka reason and for further assistance.
I tried applying dyan sa Rewards Visa pero dun sa online application form, hindi ako umabot sa part ng employment details at mailing address ko, after uploading my selfie and valid ID, bigla na lang sya nag submit and it gave me reference number tapos wait 3 days for the result daw. After 1 week nakatanggap ako email na declined daw ang application ko.
After a week nagtry uli ako mag apply, pero for U Visa naman ni Unionbank, and same thing happened. After uploading my selfie and my valid ID (National ID gnamit ko), hindi din ako umabot sa employment details at address, nag submit agad then reference number. I applied last month, until now wala result. So I assume declined na din un.
I applied for Atome card 4 days ago, kinabukasan I was approved. Waiting for the physical card nalang.
Hindi kona inulit mag apply sa UB, baka di talaga ako para dyan hehehe.
Same situation. It means autodeclined tayo
@ yes. Sadly. Haha. Pero okay lang. that means di talaga pwede for credit card. Save money traditional way talaga. Or mag debit card.
Aww 🥲 Try nyo po sa ibang bank na meron kayong existing savings account or ginagamit nyo for payroll. Base kasi sa experience ko, yung una kong CC na pre approved is galing sa bank na matagal ko na ginagamit for savings and payroll. Once magkaroon kayo ng isa, malaki na po posibilty ma approve sa iba.
@ i had payroll with Security Bank for over 8 yrs, kaso upon checking their list of CC, hindi rin pasok annual income requirement ko so I cannot apply din hahaha.
Aww thank you for sharing your experience po. 🥲 - Dadating din ang perfect time for you. Apply lang ng apply, may a-approve din jan balang araw.
hi if i spend one time 20k purchased, one time payment din poba ang pagbabayad? or pwedeng installment?
Hello. Spend lang yung required nya to achieve yung promo. However, installment po is different from straight/one time purchase. Base din sa pagkaka intindi ko sa t&c’s nila, installments is exluded sa eligibility. Kaya mas safe nadin if straight purchases.
Try mo namn sir@johnpolgacu ung installment gawa ka ng video
Yung welcome gift po ba na sinasabi nyo yung naffl or yung 5k po na makukuha nyo?
Kaya UB po yung NAFFL promo. :)
Yung 5K egc naman po, nakuha ko po sya kay smart. Si smart po kasi nag offer saken ng UB. Watch nyo po itong una kong video with UB: ruclips.net/video/bsTCGHoNwrc/видео.htmlsi=Sqm9fLkDBSTEAQqu
Hinde ba Ako magkaka penalty kapag minimum payment lang binabayaran ko per month
Ma cha charged po kayo ng interest if may remaining past due balance. Kaya always pay in full nalang po on or before due date instead of paying the minimum.
Sir may virtual card puba yan ?
Hello - Yes po. :)
@johnpolgacu sa reward po ng ub meron?
yes po, meron po. Hanapin nyo lang po yung email na nasend sa inyo before with application approval - dun po naka indicate yung instruction and your unique code to activate your virtual card sa app.
@@johnpolgacu sge po salamat sir
you’re welcome po :)
Pwede po ba mag withdraw kahit saang atm machine kahit hindi po union bank ung cash advance
Yes po. As long as nag accept ng VISA card network.
Hi sir, normal lang po na zero bal. Ang nakalagay sa Cc sa UB app account.. bago pa palang po kasi ang CC ang kaka reg ko lang sa UB app ko,.pero ang nakalagay zero bal.pero kapag ni click mo ung card nakalagay 20k credit limit.. thanks
Hello Palangga. Yes po normal po yan if wala pa kayong nagagamit sa card. Jan sa po sa Oustanding balance mag rereflect lahat po ng usages nyo sa card tuwing gagamitin nyo sya.
@@johnpolgacu ohh.. I get it.. thanks so much.. ❤️ you almost answered my confusion..😅 last Question po.. Kapag po 10k ang cash limit and ok na din po ung cash pin and everything, ung 10k po ba na un lahat po ba un ma mawiwidraw mo na or limit amount lang po? And pwdy mo sya ma widraw in any atm machine, kike BDO kasi un lang po malapit dto sakin.. Thanks so much.. have a good day ahead..
Hello, pwede na bang gamitin yung union bank app kahit wala pa yung virtual card kahit na approved na yung application?
Hello Palangga. Hihingin po kasi yung card info sa app during registration. As far as I know din once approved na yung application mo, they will send you an email kasama dun sa approval notice kung paano ma activate yung virtual card. Double check nyo nalang po ulet yung mga email na nareceived nyo or reach out to their customer service for further assistance.
pwd po credit card ang ipang bayad sa appliances?
Yes po, as long as natanggap po ng card payment yung store. :)
Hello po sana mapansin miyo po . Just got my ub cc yesterday. Questions lng po first cc ko kasi para po ba sa naffl need pp ba talga 20k maspend for 60 days ? What if lower than 20k pp ung credit limit ?
Hello Palangga. Yes po, as per their current promo with naffl, requires 20K spending within 60 days from approval date. If di kaya ng limit nyo, pwede nyo po agad bayaran yung naging spending nyo like advance payment or as soon as the bill generated. In that way, mag rereplish po agad yung credit limit nyo for another spending. :)
@@johnpolgacu kasama po ba or counted po ba ung pag bayad ng bills like electiricity, water, postpaid and insurance? Sa spending limit na 20k?
For utilitily bills (water & electricity) po, yes po. Not sure lang po with insurance. For accurate info, kindly reach out nalang po sa CS nila. :)
Kung meron na po bang rewards card makaka apply kapdin ba ung isa nilang platinum visa card?
You mean othet type of credit card? I guess opo. :)
For accurate info and assistance, it is best to reach out to them directly.
Hi question lang po. Basta lang po ba maka spend ng 20k kahit putol putol ang purchase ? Salamat po
Yes po. Okay lang po paunti until as long makapag totol ng 20K spending within 60 days from approval date. :)
@@johnpolgacu yown salamat po☺️☺️☺️☺️
ask ko po lng po need parin bayaran ung statement of account po no if habang nghihintay ka maspend lahat ung 20k
Hindi naman po need, spending lang din kasi nakalagay sa promo nila. :) Pero it is best to avoid part due balances para di tayo ma charge ng additional charges like interest or late fee.
Hi po. Yung paydirect ba pwede din gamitin para maging NAFFL? O talagang for shop and dine lang yung iispend na 20k?
Hello. Though I’m not sure if kasama ang pay direct, pero pagkaka alam ko di sya categorize as spending. It is safe padin talaga na regular spending. For accurate info, kindly reach out nalang din po sa cs nila. :)
@johnpolgacu thank you ☺
you’re welomde po ☺️
Hello po sana po masagot nyo po tong tanong ko, kasi nag apply po ako nga platinum rewards visa credit card po ng UB kasi po nakikita ko po sa mga ads nila na no annual fee sya at di rin po nakalagay dun na kelangan may target na spending pra maging no annual fee for life, automatic na po klba kaya na no annual fee na yung card ko? Di ko po kasi ma confirm salamat po..
Hello Palangga. Base po kasi sa terms and conditions ng promo nila, the promo requires 20K spending within 60 days from approval date. For accurate info and assistance with your case, kindly reach out nalang po sa CS nila. :)
Hi sir! May ask po sana ako, i got my card na. Sinusubukan ko pong i-activate ito, pero ang lumalabas lagi ay " we cannot use the details you have provided at this time." Please engligten me. Thank you so much sir!
Hello po. In your case po, if you’re still running into this issue, kaulangan nyo na pong mag reach out sa customer service nila para ma double check po nila mismo sa system nila and to get this fixed.
hi po,sir savings po ba?
Hello Palangga. Sorry, pwedeng pa elaborate ng question mo? ☺️
@@johnpolgacusir tinry ko po sa bdo na pos,d po nababasa ang card ko po?
I see. 🥲 Double check nyo po if activated na po yung card. If activated naman and still not working, possible may other reasons and it is best to reach out to CS para ma double check po nila system nila. Meron din pala akong vlog about reason why credit card payment is failing, watch nyo po ito baka makatulong: ruclips.net/video/llZMD6KpDA4/видео.htmlsi=Gwvqa2LlROcXvunf
Kasama po ba sa spending limit sa 20k ang bills payment like postpaid, electric bill, and insurance?
For utilitily bills (water & electricity) po, yes po. Not sure lang po with insurance. For accurate info, kindly reach out nalang po sa CS nila. :)
Kapag nakapset napo ba ng pin pwd na mag widraw?
As far as I know, yes po.
You may also consider PayDirect po, mas makaka save kayo compare sa cash advance. Watch nyo po itong latest video ko about PayDirect: ruclips.net/video/2iN6Iu3WWQ4/видео.htmlsi=UibQNcIAein9LyQj
Hello po. Tanong ko lang po. What if po hindi ko gagamitin yung credit card? Magbabayd pa rin po ba ng annual fee? 1st time ko po.
Hello Palangga. Yes p, if hindi of naffl yung card natin, mag rereflect yung annual fee everytime na mag anniversary yung card natin. Pero you can try reaching out naman po sa CS nila if they can waive it for you once nag reflect yung charge. :)
@johnpolgacu kelan po ba kadalasan babayaran if ever nagamit mo na yong credit card ? Monthly po ba?
Yes po monthly po. Marereceive nyo po SOA nyo on your statement date and dute normally 15 days after statement date. Watch nyo din po itong isa kong video: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=Hx2G5aUi3adsmtn5
Kailan po magsstart yung 60days requirements for no annual fee? Pag po ba nakuha na physical card or kapag na activate na yung card? thanks po sa sagot
Hello. From approval date po.
Hello, how much is the annual income required po?
UnionBank Cash Back Visa Platinum Card Details: •Minimum Annual Income Requirements: ₱180,000 for carded applicants; ₱250,000 for noncarded
On going pa po ba yung spemd 20k para maavail yung NAFFL thnx po
Yes po. As long as within 60 days from approval date.
@@johnpolgacu pwede po ba sa single purchase like gadget?
Yes po, basta po straight purchase para sure.
@@johnpolgacupwede po sya e straight purchase? Tapos apply nlang sa app for installment? Pwede kaya?
As far as I know, yes po. :) For accurate info, kindly reach out nalang din po sa CS nila.
Sir ilang years magsave saknila ng pera para pwede mag apply ng credit card union bank.
Hello po. Honestly di po ako nag se save sa kanila, meron lang akong account dahil sa SSS umid atm pay card, pero Zero po laman.
Wala rin ako savings sa unionbank.. pero approved.. maoopen mo parin sa app mo sa phone yung cc info mo may option dun to log in as Credit Account
new user ako ng credit card After makuha card ilan days pweding magagamit
Hello - Sorry for late reply. Same day of activation po pwede nyo agad sya gamitin.
@johnpolgacu thanks 👍
you’re welcome po :)
Good evening po Sir. May union cc po Ako ,every 12 of the month po Ang payment ko po sa statement balance ko po, kaylangan po ba antayin ung soa Bago magbayad ng statement balance po? Thank you po,sana napansin niyo po😊
Hello po. Pwede nyo naman po agad bayaran. Yun nga lang it will create confusions kasi kapag may advance or multiple payments. Watch nyo po itong isa kong video as to when is the best day to pay our cc bill: ruclips.net/video/wDnbMOpMqWI/видео.htmlsi=5m1F8KcAxjBakyDZ
@@johnpolgacu ah okay po, mas maganda pag may soa nalang po, tsaka magbayad po
@@johnpolgacu Gudpm sir. Dumating napo ung SoA, dati ko po statement balance is 1,557 naisama po ung mga magamit ko Ngayon November po, ung 1,557 po yan po nagamit ko po Nung October,ung iba Ngayon November napo. Naging 13,980 napo lahat
@@johnpolgacu may nakalagay napo ulit minimum due. Pwede ko po ba bayaran Muna ung 1,557 po?
yes po. Pwede naman po paunti until, basta mancomplete po yung yung total amount on or before due date para maiwasan nyo po yung interest. :)
Paano ka magbayad po after 1 month? Kaso OFW ako di ko naman magagamit , kung uuwi akong pinas 1-2 months lang naman
Through UB app po. Pwede naman kayo gumamit ng gcash. :)
Pano kung di mo nagamit ang credit card? May charge pu ba un?
Wala po. :) Watch nyo din po itong isa ko pong video: ruclips.net/video/KIWXhYVP35c/видео.htmlsi=tdkuPF7GXPZdqUG3
Hello po sir.ask lng po magkano po yung max withdrawal ng unionbank platinum visa credit card within the day po?
Hello po. You mean for cash advance atm withdrwal? Not sure lang po if meron daily limits, pero if you’re using the same card, half po sya ng total credit limit nyo po and pwede nyong ma withdraw for cash advance. Makikita nyo po sya dun sa papel when you received your card.
Pag ba na spend na ang 20k need na ba bayaran agad after 1 month ?
Hello Palangga. Based po sa requirement ng promo nila, it seems di naman necessary na bayaran agad. Pero it is best din to clear our bills para ma avoid natin yung interest and late fee.
@@johnpolgacupaano kung di ko agad ngmit sa loob ng 1 month ang 20k sample 10k lang may marereceive ba agad ako ng soa ?
Yes po. Every month po yung SOA on your statement date. Para lang syang electricity bills natin. :)
Kamusta na po yong issue ninyo sa maya? Same po kc tayo na hack din po dahil sa link at text.
Hello po. Under review padin yung case ko kay Maya until now. 😢 Upload po ako ng video soon for updates. Kayo po, kumusta daw po case nyo?
@johnpolgacu wala pa din po silang update. May tumawag nanmn saken kanina pero wala nmn aksyon na ginagawa. Ulit ulit lang ibat ibang tao or csr na tumatawag pero hangang ganon lang walang pagbabago. Ulit ulit nlang ang kwento ko sa kanila. Sa email din nila wala din response nagbibay ng email kung saan i sesend ung dispute form pero wala nmn sila reply up to now. Last oct 10 nangyari yong hacking. Hangang dumating na ung billings nila na may interest na.
2months na yung case ko sa maya wala pa din akung update, buti pa yung gcash nagawan nila agad ng paraan para sa consumer
@@ChinGelito musta po ung balanced nagkakaroon poba ng interest? Ang akin po 1 month plang pero ang laki na ng interest
Aww, 😭 Oct 11 yung akin. Yun dun yung problema ko, yung Maya credits na 30K plus 2K fee = ₱32K mag do due sa Nov 22. :( May tumatawag na ba sa inyo na collections?
Pano po kung hindi ko naspend yung 20k within 60days..it means na hindi ko po maaavail ang free annual free..magkano naman po ang annual fee sir?
Yes po. 🥲 ₱2,500, pero you can try reaching out naman po sa CS nila for possible option or if they can waive it for you once nag reflect na yung annual fee.
Just got my credit card today nakalagay sa sobre 15K CL pero sa online app 30K yung CL. Alin po ang tama sa dalawa? Sorry bago lang ako sa credit cards
Hello Palangga. Thank you for sharing this experience. In your case, need nyo pong e reach out sa customer service nila para ma double check po mismo sa system nila kung alin po yung tama.
ang cash advance po ba kahit saan pwede magwithdraw?
Hello Palangga. Yes po. If you have other bank, you may also consider PayDirect option.
@@johnpolgacusir halimbawa Po nagamit na ung limit Ng credit card Meron pa Po ba ung cash advance?
Hndi na po Palangga. Shared limit kasi sila, so kung ano lang natira mong limit from regular spending, yun nalang po pwede nyong ma cash advance.
@@johnpolgacuah ok Po thank you Po sa sagot❤
You’re welcome Palangga 🫶✨
Hello, nakalagay kasi sa promo na nakuha ko sa UB credit card via sms "this exclusive offer let's you enjoy NO ANNUAL FEE FOR LIFE when spend any amount upon receipt of the card." So, this means ba na hindi ako required magspend ng 20,000 for NAFFL instead any amount ang need?
Hello Palangga. Thanks for sharing this. Tho I’m not sure sure if may changes ba sa promo nila. Pero if you will check their terms & conditions ng welcome gift No Annual Fee - Rewards Card requires 20K spending within 60 days: www.unionbankph.com/cards/credit-card/discounts-and-promos?id=870
For accurate info and assistance, kindly reach out nalang din po sa customer service nila. :)
Same case sakin.
"This exclusive offer lets you enjoy NO ANNUAL FEE FOR LIFE with FREE 10,000 points* when you spend any amount upon receipt of the card."
I'm wondering kung ANY AMOUNT ba tlaga.
Kaya ako ng apply kasi hindi indicated yung 20k sa email at text.
DEC 19 na received ko ynug email. Applied agad ako kasi good for 1 week lang yung promo.
Out for delivery na yung card today JAN 7.
@@johnpolgacu sayo po ba naka indicate sa email mo na 20k tlaga dapat?
Possible din nga na limited promo yung sa inyo. Saken kasi from smart galing yung application link ko and they really requires 20K spending. I guess much better nga to check with CS nila para ma confirm lang yung special promo nila sa Inyo since di sya naka public.
@johntrev9123 ano update sayo?
Nag text na sakin ang UB.
WAIVED FOR LIFE yung Annual fee ko.
I spent only 200 pesos. and I already received my 10,000 points rewards. ☺️
Legit nga yung mga FOR YOU PROMO and to spend ANY AMOUNT lang.
qualified na po ba if for example mag 3 months installment ako ng isang item na worth 20k?
Hello po. Sabi oo dun sa terms nila di kasama yung installment. :( Pero you can try reaching out po sa CS nila for accurate unfo and further assistance.
High chance approval po ba yung Just-For-You offer ni UB(No docs needed)?
ilang week kaya ang proccessing? sakin 10 days na mula nun nag apply ako mula nun na received ko yun Just-For-You offer ni UB
Hello po. I guess same application process lang po sya with other types of credit cards. Watch nyo po itong una kong video for application process: ruclips.net/video/bsTCGHoNwrc/видео.htmlsi=tXndkh7D0G7Zjf9O
Auto approved pag JFU offer as per cust service of UB. Got my first UB CC via Just For U offer din.
Thanks for sharing this.
@@aldrinjandimatulac6746Hm po credit limit sir?
Zero interest po ang PayaDirect..
Thank you for sharing this.
ask kolang, sila kasi nag offer sa akin nh CC and as per Customer Service nila, basta mag spend lang daw ng min. Of 1 peso para ma activate daw yung no annual fee
Hello Palangga. Thanks for sharing this. I’m not sure if that’s a special offer for you. I suggest asking them for any reference number para meron kang proof on what they promised in case na ma charge ka padin ng annual fee.
Muka kang pokemon HAHAHAHA
😂😂😂