Hi Shean! Happy to see na may vids kang ganito. Super helpful sa karamihan. I just got approved din kasi and wanting to know if I can use it sa mga grocery store outside like hyper or puregold amd also sa mga restaurant. Thamk you and keep safe!
Hi Marisse! Thanks for watching 🥰 Yes pwede naman! You get 1 lazada credit for every 200 pesos na you spend kapag outside lazada m siya ginamit. Pag sa lazada mismo, 6 lazada credits :)
4 days lang approved na sakin after the unexpected call. Actually di na ko pumalag nung sinabi nya na Lazada Credit Card.. kasi baka mamaya pag umapela pa ko ng Platinum di pa ko makapasa…Pero syempre papa upgrade ko to sa Platinum(ganda kasi ng kulay ng card eh).Plus kailangan tong credit card for visa tourist.
Ang tagal ideliver saken ang Physical Card. Inabot na 8 working days. Tapos magholiday na. Wala parin. Mas mabilis ata kung dumaan ng agent ang application ng credit card kesa kapag nagdirect mismo sa kanila. tsk!
Your content is really helpful po, salamat for uploading your wisdom and knowledge nakakahelp talaga lalo na sa mga new gen na tulad ko na noob pa sa adulting stuff sa mundo ngayon hahahaha thanks po!
totoo to. malaki ang credit limit ng unionbank lazada cc. yung sakin, sila yung tumawag tapos tinanong ako kung gusto ko ba daw mag apply sa unionbank lazada cc tapos hiningi lang nila yung info ko then pinapasa lang ako ng DTI. tapos mga 15days na approved na yung application ko. nung inactivate ko na cc ko, nagulat ako 123k ang credit limit ko ^_^
nagka charged ako ng 6k for the physical card (3k) and the Virtual Card (3k), di ko lang gets, bakit dalawa? and also would like to ask po sana, nakuha ko po kasi to January 2022, dba free po daw for the first year, tama po ba na this year feb 2023 nag charge sila? or dapat February 2024 pa. Hoping for your reponse if may alam ka po. Thank you!
call customer service. dapat walang charge yung annual fee ng virtual card. Free for the first year = yung first year coverage mo is from the DATE NA NA-APPROVE yung card mo PLUS 1 YEAR from that date. So ibig sabihin, if January 2022 mo nakuha yung card mo, yung annual fee coverage mo is from January 2022-January 2023; hence, free yung annual fee mo that time. Sa January 2023, ccharge-an ka na ng annual fee then ang coverage nun is January 2023-January 2024. TLDR: Pre-paid ang annual fee. :)
ev sir..malapit napong mag 1 year Yung lazada ko..so maybe NxT month it's already 1 year..hingi lang Po ako Ng tips Kong pano napa waived Yung annual fee.and magkano Yung kailangan. E spent.tnx
Sir Ask ko lang po paano po mag apply ng UB CC? Need pa po ba magopen account? Like Savings Account? Or Diretso na po na CC? Kasi po im trying pero after choosing what type of CC I want, di na po na proproceed eh. Thanks po
Hi Jomar! Sa case ko kasi tumawag lang sila. You can go sa branch mismo. If this is your first CC, I recommend na mag-open ka ng savings account and strengthen your relationship with your bank first. Hope this helps!
Hello, just asking lang if napa waive mo ba si unionbank sa first annual fee sa credit card mo. Its been 2 years na and im interested in getting this credit card. Thanks
Kaka-apply ko pa lang po today sa Lazada App. Tanong ko lang po kung high chance of approval ba kapag nag-text/email na sila with reference number? Payroll account din namin si UB. Tapos nagbigay din ako details of my other CC (BPI). Sana manotice. Thanks!
@@vee5267 yes basta make sure na yung tinatanong nila sa inyo ay something na hindi sobrang sensitive. scam kapag tinanong nila yung number ng iba nyong cards and pati mga one-time pins. pero yung mga full name, etc. Okay lang naman.
Di po ba may accumulative spending requirement within days for NO ANNUAL FEE FOR LIFE, saan po ba pwede gamitin? Sa straight purchases lang po ba sa stores? Pwede bang sa bills payments, cash in to Grab/Lazada/Shopee? Salamat po sa sasagot. 🙏
Hi! Thankyou sa info. Bakit po kaya nung nag a upload ako ng ID picture ayaw tanggapin? “Please remove special characters” po yung nalabas.. maayos naman yung shot ko ng id. Thankyou in advance
Hellow paano po kapag ang status Ng CC Lazada ko.. eh Pending we are working on your unionbank Lazada titanium MC application give us few more days? Ganyan po status ano po ibig sabihin rejected po ba Yan?
@@osheanlee wow thank u for the reply sir ang sabi sa akin on process pdaw ung titanium cc ko wala b sya pwede pagchekan if ilan tlga ang cresit line ng titqnium?
Hi po just got approved today ask ko lang po gaano katagal ung physical card mareceive? And magagamit na po ba agad ubg virtual CC upon approval or need po magwait muna like 24 to 48hrs? Sana mapansin po TIA
hello po, dun po sa upload documents yung sa upload acceptable id's bkt pag click next ko na po ito po yung na labas "please remove special character in the premium postal id "
Just got mine yesterday and I was disappointed. Plan ko sana bumili ng laptop but when I proceeded to payment options BDO lng pala yung may installment. So parang useless sya kase malaki sana equivalent niya na lazada credits na pwede pantapal sa annual fee. Not sure if sa merchant ba sya na side though but yeah disappointing yung first transaction sana.
Hi Paola! Sa Merchant side yung installment offers :) always check with the merchant first if ano yung cards na inaaccept nya for installment. Minsan naka-list din sa website ng bank if ano yung merchants na nag-aaccept ng CC nila for installment. Hope it helps!
Sir hello, tanong ko po ulit, activated na po yung CC kita ndin po sa virtual ung statement tas ung credit limit po..Dretso po ba un swipe na sa mall? Ung pin po non ref num po ba? or valid id lang po with signature :) sorry po first time po kasi..salamat po sa sagot sir.. need paba ipunta bank? or pwede drtsu iswipe..kasi activated na naman po din sya,
Hi friends! Whenever you will use your credit card, just bring it sa store as long as nag-aaccept sila ng credit card. Diretso swipe na yun. No need na for a PIN. But make sure TO NEVER EVER GIVE THE 16 DIGITS OF YOUR CREDIT CARD, EXPIRATION DATE, AND YUNG CVV (3 numbers sa likod ng CC mo) to anyone. Mas maganda na whenever you're gonna pay using your CC, dapat kita mo kung pano nila i-sswipe. dapat di nila pipicture-an yung credit card mo or dapat di nila isusulat yung details somewhere. For online transactions, you will be asked for the 16-digits, expiration, and CVV ng card mo. Okay lang yun AS LONG AS MAKE SURE NA YUNG WEBSITE IS SECURED. I can make a video of this soon on how you better take care of your credit card. :)
Hi po! Gaano po katagal bago mag reflect sa UB app yung Lazada credits? Kase nag reflect na po yung transactions ko from Lazada doon sa history pero 0 pa rin yung Lazada Credits. Thank you.
Sir, pa help naman po pls! Naka ilang submit ako pero ang lumalabas pls revove special characters in the Sss umid documents, maayos naman po ang ID KO.. Pls help naman po.. Thanks
Good day sir.. regarding sa pag spent Ng 40k Kay Lazada credit card.. with in 60 days approval.. exclusive lang poba Kay Lazada mag purchase lahat or pude Ren sa ibang merchant like sm or any groceries store..tnx po
not sure. check T&C pero ang ginawa ko sakin nun is sa lazada lang talaga ako bumili kasi mas sulit. 6 Lazada points din kasi yun compared to just 1 Lazada point pag sa labas ng lazada ka bumili.
About the annual fee reversal, they have the annual spending condition na x100 ng AF mo. You will need to spend x100 ng annual fee mo for a year para mawaive ang annual fee mo. In your case, since 3k ang annual fee mo, you will need spend 300k for a year para iwaive nila annual fee. Kung di mo sya na meet, di nila iwewaive ang annual fee.
@@osheanlee UnionBank also has the reputation for calling your bluff when you tell them you'll cancel if they don't waive. They'll tell you, "you wanna leave? Bukas ang pinto."
@@avataryangchen19 honestly, it's fine. Jusko. Haha. That's the benefit of having not just 1 credit card. Their loss, not mine. Nag-ROI na sila sa mga merchant fees. Tapos magpapabayad pa sila ng annual fees? No no no -- they can trick others, but not me. O:)
physical card lang. but I highly recommend NOT DOING IT. Para kang niluluto sa sarili mong mantika sa taas ng interest. Only use your CC if may pambayad ka na.
Hi sir Ochean, bakit po yung email saken ni Unionbank na Card Reference hindi po gumagana sa Mobile App ni Unionbank? Tinawag ko na sa customer service kaso wala pang response.
@@francisyuledesma7715 credit limit depends on the customer's income usually. depende rin sa card. for basic cards, usually 10-15k ang minimum. for UB x Lazada, since Titanium siya, the lowest that I've heard from someone is 90k pero baka pwedeng mas mababa pa. best to ask the bank kasi hindi naman ata sila privy on this info.
@@francisyuledesma7715 Same tayo case. Ayaw din gumana ng card reference number. Gusto ko na sana gamitin yung sinasabi virtual card kahit wala pa sana physical card. kamusta po. gumana naba sa inyo?
Hi nagagamit pa yang Lazada Titanium Mc credit card like sa mall, sm dept store and other supermarkets? Thank you in advance sana ma notice mo po ako sir shean. Godbless
@@osheanlee Salamat po sa response sir.. like you po kasi mai tumawag din po sa akin kanina na taga UNIONBANK at yan din po inalok. tapos after ng call po ng send email si UNIONBANK para sa mga supporting documents like payslip at proof of billing ko po.
@@osheanlee hi how soon po bago ma credit yung welcome gift i was approved march and 7 days after na reack ko yung spending limit na 20k but until now passed april 15 wala padin lazada credit
Hi ask lang ko, nag apply ako unionbank then may tumawg na sakin kanina then sabi na review na daw ni higher ops yung application ko need lg daw follow up req which is latest payslip ko. may possibilities ba na ma a approved ako?
Hi! Ah no, sorry. I use either my SB Card or EWB Card sa Shopee. I would assume oo gagana siya since mastercard naman ‘to. Pero yun nga lang parang hindi sulit kasi 1 peso lang for every Php 200 pesos spent if sa shopee mo siya gagamitin.
You can use it anywhere that accepts credit cards even in Shopee. Sayang nga lang ung points na mag-accumulate kung sa Lazada mo sya sana gagamitin. I have this card for 2 years na.
Hi! Yes -- you can use it like a normal credit card. Although, mas advantageous lang talaga when you use it sa Lazada because of the exchange rate of points. Php 200 = 6 Lazada Credits whereas anywhere else, it's just Php 200 = 1 Lazada Credit. Fun fact -- I used this credit card to buy my new phone recently! I had no choice kasi dapat sana yung security bank sana yung gagamitin ko kaso down yung system nila nung isswipe na :( so ayun! Unionbank Lazada CC to the rescue hehe.
@@osheanlee yayy thank youuu! Kakakuha lang kasi ng partner ko yang UB Lazada CC nya. Madalas namin ginagamit credit card for installments so hopefully magamit namin sya dun. Thanks po!
Once na sinabi po ba sa inyo na qualified kayo sa CC . Sure na po ba yun na approve ? And once na may lazada credit po. Once na ginamit niyo po ba mag rereflect po ba siya sa bill ng CC ?
@@BisayainHolland I don't have experience on this, but based on what I know (take this with a grain of salt and do further googling if you need to), some ways would be Western Union or PayPal.
generally, yes. depende siguro sa bank but in general terms, oo. think of it in the metal analogy na lang siguro. the platinum as a metal is heavier while titanium is lighter than platinum. pero both are strong metals. something like this.
Congrats po, didnt know that Titanium is quite high tier na pala.
I’m loving my SB NEXT TITANIUM MC more na, since NAFFL na sya. 😁💕
Hi Shean! Happy to see na may vids kang ganito. Super helpful sa karamihan. I just got approved din kasi and wanting to know if I can use it sa mga grocery store outside like hyper or puregold amd also sa mga restaurant. Thamk you and keep safe!
Hi Marisse! Thanks for watching 🥰
Yes pwede naman! You get 1 lazada credit for every 200 pesos na you spend kapag outside lazada m siya ginamit. Pag sa lazada mismo, 6 lazada credits :)
4 days lang approved na sakin after the unexpected call. Actually di na ko pumalag nung sinabi nya na Lazada Credit Card.. kasi baka mamaya pag umapela pa ko ng Platinum di pa ko makapasa…Pero syempre papa upgrade ko to sa Platinum(ganda kasi ng kulay ng card eh).Plus kailangan tong credit card for visa tourist.
Same! Pag feeling ko rin hindi ko na masyado nagagamit itong CC, ipapa-upgrade ko to Platinum din. sana ma-approve and good luck din! :D
Ang tagal ideliver saken ang Physical Card. Inabot na 8 working days. Tapos magholiday na. Wala parin. Mas mabilis ata kung dumaan ng agent ang application ng credit card kesa kapag nagdirect mismo sa kanila. tsk!
Your content is really helpful po, salamat for uploading your wisdom and knowledge nakakahelp talaga lalo na sa mga new gen na tulad ko na noob pa sa adulting stuff sa mundo ngayon hahahaha thanks po!
Hi Cleo! Super appreciate this and let me know if you have other videos of request. Thanks! :)
totoo to. malaki ang credit limit ng unionbank lazada cc. yung sakin, sila yung tumawag tapos tinanong ako kung gusto ko ba daw mag apply sa unionbank lazada cc tapos hiningi lang nila yung info ko then pinapasa lang ako ng DTI. tapos mga 15days na approved na yung application ko. nung inactivate ko na cc ko, nagulat ako 123k ang credit limit ko ^_^
Wow ,, DTI din pinasa ko pero ng hingi pa sila pas 6months reciept ng send ko nman 3 months lg ,, hopefully akon din ma approve
Same po tayo. may tumawag lang din sa akin hehe. After 1 hr may msg na pinaprocess nila yung credit card ko
oshean this is awesome. i like it so much. i will surely come back to see more. cheers!
Thank you! :)
approved mine today! 1week lng processing sakin.
Hi can they called me now lang po for personal details what can i expect po is it approved?
@@yandlewithcaree hello, they called me last friday for personal details, and this morning lang ngemail cla na approved na! I think its a yes! Haha
@@maryangelinealcalde okay! Looking forward sa email nila btw im also a cc holder so i think factor din sana siguro yun hehe fingers crossed.
@@yandlewithcaree me also cc holder rin kaya plus factor narin cguro un, text and email ung updates nila. 😊
@@maryangelinealcalde okay mary thanks for the info. ☺️
Same scenario po tayo! Hahaha just got approved today 🥰
Congrats, CL!
nagka charged ako ng 6k for the physical card (3k) and the Virtual Card (3k), di ko lang gets, bakit dalawa? and also would like to ask po sana, nakuha ko po kasi to January 2022, dba free po daw for the first year, tama po ba na this year feb 2023 nag charge sila? or dapat February 2024 pa. Hoping for your reponse if may alam ka po. Thank you!
call customer service. dapat walang charge yung annual fee ng virtual card.
Free for the first year = yung first year coverage mo is from the DATE NA NA-APPROVE yung card mo PLUS 1 YEAR from that date. So ibig sabihin, if January 2022 mo nakuha yung card mo, yung annual fee coverage mo is from January 2022-January 2023; hence, free yung annual fee mo that time. Sa January 2023, ccharge-an ka na ng annual fee then ang coverage nun is January 2023-January 2024.
TLDR: Pre-paid ang annual fee. :)
Hi Oshean! Can you make a video about how to use the UB virtual credit card and how to add it to an existing UB mobile app (payroll account) Thanks!
Up!! I can't add mine online
Up. Reference number is invalid
@@amonblade1985 same
Ginamit ko Po yung credit card ko last May 9 worth of 700 plus so paanu Po malaman kung kailan dead line angpagbayad
Sa lazada lng ba sya pwede gamitin d ba pwede sa ibang flatform like shein or sa physical store like sm or purgold
very informative thanks sa pag share po..
Salamat! 🥰
Medyo unclear pa sa akin. Pwede gamitin ang Lazada CC outside LAZADA? Like a regular CC.
ev sir..malapit napong mag 1 year Yung lazada ko..so maybe NxT month it's already 1 year..hingi lang Po ako Ng tips Kong pano napa waived Yung annual fee.and magkano Yung kailangan. E spent.tnx
Saan po pwede bayaran? Or pwede po i-paauto debit ung payment? Wala po kasi dito saming malapit na unionbank. Thanks in advance
Hi! Pwede siyang online. Via GCash pwede rin. :)
hello Oshean, ask ko lang kung nareach mo na yung 20k spending and if so, nakuha mo na ba yung 5k lazada credits reward?
Yup! Na-reach ko na siya :)
Hi Tanong ko lang pproximate lang po Magkano po Ang credit limit nakuha sa Lazada credit card if you have existing credit card from other bank na po?
Can’t say 100%. May kilala ako na 90k yung CL nya with this card.
100k and up
Approved today for this card.. My 5th one cc haha.
Ang laki pala annual fee neto tsk
Yeah unfortunately
Sir Ask ko lang po paano po mag apply ng UB CC? Need pa po ba magopen account? Like Savings Account? Or Diretso na po na CC? Kasi po im trying pero after choosing what type of CC I want, di na po na proproceed eh. Thanks po
Hi Jomar! Sa case ko kasi tumawag lang sila. You can go sa branch mismo. If this is your first CC, I recommend na mag-open ka ng savings account and strengthen your relationship with your bank first. Hope this helps!
Hello just got mine this monday lang, and I already activated it its my first time to have a cc, question ko lang paano po mag generate ng pincode?
pin code para saan? pag-wiwithdraw ba sa atm? or pin code for OTP?
@@osheanlee hi pin po para mag cash advance
yung purchase limit po ba any kind of purchase?outside lazada din like gas and groceries?
Hello, just asking lang if napa waive mo ba si unionbank sa first annual fee sa credit card mo. Its been 2 years na and im interested in getting this credit card. Thanks
Kaka-apply ko pa lang po today sa Lazada App. Tanong ko lang po kung high chance of approval ba kapag nag-text/email na sila with reference number? Payroll account din namin si UB. Tapos nagbigay din ako details of my other CC (BPI). Sana manotice. Thanks!
Nope. same lang din yung chance.
I can’t upload my documents in the app (valid id) It shows remove special characters. Already renamed the images but still the same
Hi Kae, medyo problematic nga when you apply via online. Best to do it na lang sa branch or if someone from UB calls you. :)
@@osheanlee safe po ba yun sir kapag thru call lang?
@@vee5267 yes basta make sure na yung tinatanong nila sa inyo ay something na hindi sobrang sensitive. scam kapag tinanong nila yung number ng iba nyong cards and pati mga one-time pins. pero yung mga full name, etc. Okay lang naman.
File name po palitan nyo
Yung sa welcome gift na 5k, counted po ba yung bills payment under Lazada or purely retail spend lang?
ohh not sure. best to do retail na lang siguro :)
Di po ba may accumulative spending requirement within days for NO ANNUAL FEE FOR LIFE, saan po ba pwede gamitin? Sa straight purchases lang po ba sa stores? Pwede bang sa bills payments, cash in to Grab/Lazada/Shopee? Salamat po sa sasagot. 🙏
*LAZADA CREDITS pala
To get the free lazada credits (welcome gift if first time UB CC holder), need to spend sa lazada ng 20k
Hi! Thankyou sa info. Bakit po kaya nung nag a upload ako ng ID picture ayaw tanggapin?
“Please remove special characters” po yung nalabas.. maayos naman yung shot ko ng id. Thankyou in advance
sa filename yata ng id picture mo yan.
@@osheanlee thankyou po sa reply. Sinubukan ko gamitin yung front cam ng phone ko nag ayos na.salamat salamat!
Hellow paano po kapag ang status Ng CC Lazada ko.. eh Pending we are working on your unionbank Lazada titanium MC application give us few more days? Ganyan po status ano po ibig sabihin rejected po ba Yan?
Hello sir tanong ko lang po, may ganyan po ako..26k credit limit..ask ko po, installment or full payment po agad pagdue? sana masagot :)
Hi Mildred. Kapag due date, always pay ON TIME and IN FULL kung magkano yung balance sa statement mo. :)
Mga nacuccurious magkano CL nasa reply nya sa isa sa mga comments hahhaha
Good good good video 👏👏👏
Classic sana inapplyan ko pero lazada yung na click 😂 matagal ba approval?
@@appleprieto5350 mabilis lang :D
hi sir how to know po if approve kna? i just submit my requirements today.. and how much is the credit limit for titanium?
They will message you/email you. Depende sa kanila yung CL. Mine’s 125k
@@osheanlee wow thank u for the reply sir ang sabi sa akin on process pdaw ung titanium cc ko wala b sya pwede pagchekan if ilan tlga ang cresit line ng titqnium?
@@osheanlee hi sir huhu its been 10days pero wala pdn update sa application ko still pending daw rejected n po b pag ganun?
Bakit po ganon i got the card reference pero nag eerror po sya.
Hii any update po sa annual fee mo sir? na waive po ba?
Nagbayad me Bakit ang tagal bumalik ng credit limit ko sa lazada union bnk credit crd
Hi po just got approved today ask ko lang po gaano katagal ung physical card mareceive? And magagamit na po ba agad ubg virtual CC upon approval or need po magwait muna like 24 to 48hrs? Sana mapansin po TIA
Hi! Depende sa address pero mga 3-5 banking days :)
Pwede mo na magamit virtual cc basta lumabas na sa UB online account m :)
@@osheanleeAutomatic po bang lalabas yung virtual lazada ko sa Online banking ko?
Sir question po. Kung gamiton po ang cc paano po ang payment? Pwede po installment ang bayad? And hm po ang interest?
installments would depend sa merchant po
Question, where do you pay your UB Lazada CC po aside from UB? Wala kasi akong savings account with them.
Maya/GCash :)
Hello po, makakaavail ba tayo ng cash dito? Or pwede po ba mainstallment if ever mag purchase in lazada? Thank you
Mastercard siya
hello po, dun po sa upload documents yung sa upload acceptable id's bkt pag click next ko na po ito po yung na labas "please remove special character in the premium postal id "
rename your photo filename to something plain lang. like abcd.jpg
Just got mine yesterday and I was disappointed. Plan ko sana bumili ng laptop but when I proceeded to payment options BDO lng pala yung may installment. So parang useless sya kase malaki sana equivalent niya na lazada credits na pwede pantapal sa annual fee.
Not sure if sa merchant ba sya na side though but yeah disappointing yung first transaction sana.
Hi Paola! Sa Merchant side yung installment offers :) always check with the merchant first if ano yung cards na inaaccept nya for installment. Minsan naka-list din sa website ng bank if ano yung merchants na nag-aaccept ng CC nila for installment. Hope it helps!
@@osheanlee ooohhh i see will check sa website nila. Thanks! 😊
@@osheanlee Hi! Can I ask for the link? di ko mahanap eh. :(
Oshean, are you still using this card as of December 2022? hehehe
Yup! Will try to have the AF waived this Jan or Feb. Pag di pumayag, cancel lol
Pwede po ba siya gamitin for installment plan?
hi sir ask ko lang magamit ba yan to purchase sa mga mall? or for online shopping lang use sa card na yan? salamat po. have a great day
It can be used like any other credit cards. More points lang pag sa lazada purchase ginamit. So yes, pwede sa mga mall or groceries.
how to.use is po for lazada purchase?
Hi may i ask. Ok naman po ba siya sa installment plan
Unable to put my government ID it says remove special characters in my umid ID' how to do that
rename your filename. make sure no spaces, no dashes, etc. numbers and letters only.
Bakit ako na approved kahit wala ako narereceive na call from UB.
did you apply somewhere before? or are you a UB account holder din?
Sir hello, tanong ko po ulit, activated na po yung CC kita ndin po sa virtual ung statement tas ung credit limit po..Dretso po ba un swipe na sa mall? Ung pin po non ref num po ba? or valid id lang po with signature :) sorry po first time po kasi..salamat po sa sagot sir.. need paba ipunta bank? or pwede drtsu iswipe..kasi activated na naman po din sya,
Same question po. Pano po pag gagamitin sa mall yung cc? Need pa po ba ng PIN?
Hi friends! Whenever you will use your credit card, just bring it sa store as long as nag-aaccept sila ng credit card. Diretso swipe na yun.
No need na for a PIN. But make sure TO NEVER EVER GIVE THE 16 DIGITS OF YOUR CREDIT CARD, EXPIRATION DATE, AND YUNG CVV (3 numbers sa likod ng CC mo) to anyone. Mas maganda na whenever you're gonna pay using your CC, dapat kita mo kung pano nila i-sswipe. dapat di nila pipicture-an yung credit card mo or dapat di nila isusulat yung details somewhere.
For online transactions, you will be asked for the 16-digits, expiration, and CVV ng card mo. Okay lang yun AS LONG AS MAKE SURE NA YUNG WEBSITE IS SECURED. I can make a video of this soon on how you better take care of your credit card. :)
Hi po paano mo po na-activate yung sayo using virtual, hindi po kasj gumana sa akin 😔
ito po kasi lumalabas kapag triny ko po, It seems you've signed up already. Please recover your User Id 😔
Hello ilang days po macredit ang Lazada Credits withdrawal sa Laz Wallet pag weekends nag redeem sa experience niyo?
Few days lang iirc
Hellp sir pwd po ba ma delayed ang bayad due date na may interesrt po ba un?
Hi John, basta delayed ang bayad may interest. Kaya always pay on time and in full. Never magiging extrang pera ang credit card po. :)
@@osheanlee salamat po.
Hi po! Gaano po katagal bago mag reflect sa UB app yung Lazada credits? Kase nag reflect na po yung transactions ko from Lazada doon sa history pero 0 pa rin yung Lazada Credits. Thank you.
Can't remember already. Nasa T&C ata kung kelan dapat mag-reflect.
Sir, pa help naman po pls! Naka ilang submit ako pero ang lumalabas pls revove special characters in the Sss umid documents, maayos naman po ang ID KO.. Pls help naman po.. Thanks
Did u rename your document’s filename? Dapat malinis filename nya
pwede
ko po gamitin sa mga ibang shop na may store?
Hello po ask ko lng po, paano kapag hindi makapag upload ng ID nakalagay kasi dun “Pls remove special characters in Driver’s License documents”
Rename mo lang yung filename ng id mo. Dapat walang underscore, dash, etc
What happen po if hindi bayaran ang annual fee?
Good day sir.. regarding sa pag spent Ng 40k Kay Lazada credit card.. with in 60 days approval.. exclusive lang poba Kay Lazada mag purchase lahat or pude Ren sa ibang merchant like sm or any groceries store..tnx po
not sure. check T&C pero ang ginawa ko sakin nun is sa lazada lang talaga ako bumili kasi mas sulit. 6 Lazada points din kasi yun compared to just 1 Lazada point pag sa labas ng lazada ka bumili.
@@osheanlee ah k sir tnx for that info
.
Hi sir. For online purchases lang po ba to or pwede din po sa physical stores?
Both online and physical stores
About the annual fee reversal, they have the annual spending condition na x100 ng AF mo.
You will need to spend x100 ng annual fee mo for a year para mawaive ang annual fee mo. In your case, since 3k ang annual fee mo, you will need spend 300k for a year para iwaive nila annual fee. Kung di mo sya na meet, di nila iwewaive ang annual fee.
awts. ang laki pala ng need na gastusin :(
@@osheanlee UnionBank also has the reputation for calling your bluff when you tell them you'll cancel if they don't waive. They'll tell you, "you wanna leave? Bukas ang pinto."
@@avataryangchen19 honestly, it's fine. Jusko. Haha. That's the benefit of having not just 1 credit card. Their loss, not mine. Nag-ROI na sila sa mga merchant fees. Tapos magpapabayad pa sila ng annual fees? No no no -- they can trick others, but not me. O:)
nagkakaron ng error sa umid may special charactet daw
Ilan days po bago po maactivate yun virtual card?
Hi Sir. So if you meet the P20k minimum spend for the welcome gift plus yung regular rebates, you’ll receive P5,600 lazada credits in total, tama ba?
Yup
Boss, napa waived nyo yung Annual fee?
Hello po gaano po katagal maactivate ang virtual card?
Can I withdraw money using the Virtual Card? or dapat yung physical card na nareceive ko na UnionBank Lazada Titanium Card?
physical card lang. but I highly recommend NOT DOING IT. Para kang niluluto sa sarili mong mantika sa taas ng interest. Only use your CC if may pambayad ka na.
pano po gagamitin yung physical card sa mga malls? need po bang ipa activate pa yung card? pina swipe ko po kasi sa supermarket at hindi siya pwede..
yup kelangan i-activate
MA-APPROVED pa kaya kapag may cc kang hnd nabayaran????ma detect kaya nila yun sir???
Maybe this can help: ruclips.net/video/0fWJGLhCjXs/видео.html&lc=UgzT7eKIYFnpwPpQybp4AaABAg
Hi sir Ochean, bakit po yung email saken ni Unionbank na Card Reference hindi po gumagana sa Mobile App ni Unionbank? Tinawag ko na sa customer service kaso wala pang response.
Hello, best to ask UnionBank. :)
@@osheanlee thank you sir 🙃 mostly po magkano creditlimit na binibigay ng unionbank lazada?
@@francisyuledesma7715 credit limit depends on the customer's income usually. depende rin sa card. for basic cards, usually 10-15k ang minimum. for UB x Lazada, since Titanium siya, the lowest that I've heard from someone is 90k pero baka pwedeng mas mababa pa. best to ask the bank kasi hindi naman ata sila privy on this info.
@@francisyuledesma7715 Same tayo case. Ayaw din gumana ng card reference number. Gusto ko na sana gamitin yung sinasabi virtual card kahit wala pa sana physical card.
kamusta po. gumana naba sa inyo?
@@sethdanielfernandez1239 actually sir twice ko na tinawag sa customer service pero until now wala padin pong update 🥺
Kung nag order Po ba ako installment sa lazada need pa po ba talaga BDO credit card or Lazada credit card? Kukuha din Sana ako Sana sa sister ko
unfortunately yung installment sa lazada is available pa lang for BDO. :(
Ask ko lng po kung saan magsesend NG ID
hello po sir pwede ko ba gamitin union lazada credit card for installment payment kunyari celfon
depende sa tindahan
Paano tanggalin yung special character sa pag upload ng umid id or sss id. Di ko magawa po eh
Punta ka sa file folder dun mo irerename
How to have the card?
I would like to ask if this card po ay magagamit sa Malls? like SM, Ayala, Robinsons etc
Yup!
Hi nagagamit pa yang Lazada Titanium Mc credit card like sa mall, sm dept store and other supermarkets? Thank you in advance sana ma notice mo po ako sir shean. Godbless
Hello! Yes you can use it sa malls, pero honestly hindi sulit. Mas sulit siya pag sa lazada ginagamit :)
@@osheanlee Salamat po sa response sir.. like you po kasi mai tumawag din po sa akin kanina na taga UNIONBANK at yan din po inalok. tapos after ng call po ng send email si UNIONBANK para sa mga supporting documents like payslip at proof of billing ko po.
Ano na po update napawave nyu po ba? 😅
First! 💯👍
Thank you, Josh!
Hi po. Pasagot po sana. Ayaw po tanggapin ID ko kasi remove special characters daw po. Pano po ba maglagay ng photo?
Change the filename of your photo lang po mismo before uploading
Boss question yung BDO cc ko pwede icash out yung credit going to my e wallet Pwde din ba yan sa Lazada CC ?
anung e-wallet 'to?
Bdo cc to paymaya po
Mukhang pwede
Hello po, na reach nyo ba yung 20k spending limit at nakuha na yung welcome gift?
Yup!
@@osheanlee hi how soon po bago ma credit yung welcome gift i was approved march and 7 days after na reack ko yung spending limit na 20k but until now passed april 15 wala padin lazada credit
@@jethroperez548 hmm not sure, hindi ko na maalala actually. parang mga after 15 days ata? best to call the bank, or check T&C.
Hi ask lang ko,
nag apply ako unionbank then may tumawg na sakin kanina then sabi na review na daw ni higher ops yung application ko need lg daw follow up req which is latest payslip ko.
may possibilities ba na ma a approved ako?
Hi! Possibility is still 50/50. Decision pa rin ng bank.
Ano po update? Na approve na po ba kayo and how many days did it take po from the time they called?
Hi ask ko lang po. Automatic po ba na magrereflect yung Virtual Lazada ko pag ka approved ko ?
Yes
@@osheanlee Ilang days po kaya before mag reflect . Kasi po na approved ako last Sunday until now wala pa rin po sa dashboard ko.
@@jhonaidabernardo1098 yung sakin nun mga after 2-3 days lang. call customer service na para sure
what if kung lazada debit card siya and ask ko lang ung ba lazada debit account number sa union bank app yan ba gagamitin pag magcash in ka like 7 /11
kung lazada debit card siya, I think naka-link siya sa unionbank online account mo. so pwedeng ang cash in is online na lang din
Approved ako pero di ko maactivate using card reference number invalid daw
Have you tried calling unionbank?
One time payment lang po ba ang payment sa lazada credit card or installment and if one time payment po ilang days po bago magpay ?
depende sa merchant
Using lazada app only po di po kase maview yong statement ko po .
Wala po kase lumalabas sa aking view statement ee
@@jerlynreyes661 you can access your SOA via e-mail, or pati sa unionbank online account mo. You can download it there. :)
Hi sir, im just curious. Did you use this card on shopee app? If yes, gumana ba. Thanks
Hi! Ah no, sorry. I use either my SB Card or EWB Card sa Shopee. I would assume oo gagana siya since mastercard naman ‘to. Pero yun nga lang parang hindi sulit kasi 1 peso lang for every Php 200 pesos spent if sa shopee mo siya gagamitin.
Yes you can use it on Shopee. Yung perks lang like lazada points ang wala. It’s a normal CC na pwede i-link at pwede i-swipe like other CCs.
You can use it anywhere that accepts credit cards even in Shopee. Sayang nga lang ung points na mag-accumulate kung sa Lazada mo sya sana gagamitin. I have this card for 2 years na.
@@binosworld3896 thank you. 😊
@@binosworld3896 you mean kung sa Shopee mo siya gagamitin, sayang?
How much po ang credit limit? I noticed nasa title nyo po credit limit but di nyo po na discuss. Hehe
Nasa comments section **wink wink**
They call me yesterday , and email me to sent documents like reciept, after that what next?
I think after that you just have to wait.
or ask a reference number :)
@@osheanlee so you have any cc recommendation faster approval? Kahit 30k or low credit limit
@@Derfla2024 secured credit card. yung mga unsecured ccs, bank lang talaga may final say
Sir make a vid on how to waive laz credit card? 🙏🏻🙏🏻
Will try to have it waived this month or next month and see if it will be approved or not hehe.
boss paano po gagawin magkaiba po mobile number ko sa gmail and union bank apps saka lazada apps
Have you tried changing them and making them just the same mobile number instead of different?
Can you use it like a normal credit card in other or is it only for Lazada?
Hi! Yes -- you can use it like a normal credit card. Although, mas advantageous lang talaga when you use it sa Lazada because of the exchange rate of points. Php 200 = 6 Lazada Credits whereas anywhere else, it's just Php 200 = 1 Lazada Credit.
Fun fact -- I used this credit card to buy my new phone recently! I had no choice kasi dapat sana yung security bank sana yung gagamitin ko kaso down yung system nila nung isswipe na :( so ayun! Unionbank Lazada CC to the rescue hehe.
@@osheanlee yayy thank youuu! Kakakuha lang kasi ng partner ko yang UB Lazada CC nya. Madalas namin ginagamit credit card for installments so hopefully magamit namin sya dun. Thanks po!
@@osheanlee hi kapag ggmitin ba ito sa pon then 20k worth it mkukuha mo naba yung 5k gft ?
Once na sinabi po ba sa inyo na qualified kayo sa CC . Sure na po ba yun na approve ?
And once na may lazada credit po. Once na ginamit niyo po ba mag rereflect po ba siya sa bill ng CC ?
If your abroad and want to send money to ur kapamilya and they using this card. Pls don't. This card deduct much money . Like a scam.
credit cards are not even a good method to use in sending money in the first place.
@@osheanlee what's the good method then?
@@BisayainHolland I don't have experience on this, but based on what I know (take this with a grain of salt and do further googling if you need to), some ways would be Western Union or PayPal.
@@osheanlee yes. I have those two anyways . I am glad. Hope the Phil bank system will change . Bdo is worst.
mas higher tier pala yung platinum kesa sa titanium?
generally, yes. depende siguro sa bank but in general terms, oo.
think of it in the metal analogy na lang siguro. the platinum as a metal is heavier while titanium is lighter than platinum. pero both are strong metals. something like this.
Hello po sir pwede po ba sya gamitin sa mga mall ?? Or Lazada lang po salamat po
yup pwede kasi x1 lang yung points
@@osheanlee salamat po kala ko po Lazada lang ☺️
Makakapag loan po ba ng cash sa union bank lazada credit card? Kaka approved lang po kasi sakin
Yes pero I highly DO NOT RECOMMEND IT. Ang laki ng interest ng cash loan. Para kang niluluto sa sarili mong mantika. :)
Pwede po ba sya icredit to cash? ang Lazada Titanium MC?
pwede. kaso ang laki ng interest rate. not advisable.
@@osheanlee Sir ask ko lang kahit bago lang yung card? pwede po?
Pwede po ba to para sa iPhone installment sa Power Mac?
yup! pwede :)
Hi po, I received my cc pero wala po PIN. How to get the PIN code po?
I think you need to call your bank for that :)
Meron po bang convert to installment to? Like sa rcbc? Thanks!
Yup meron. Need to call sa bank. Interests may apply.
@@osheanlee thank you♥️