CORRECTION: The start date of your new billing cycle is after your statement date. Example: If my statement date is 15th of every month, my billicyle starts from 16th of the month to 15th of the next month.
Hi Palangga. 3% po sya base on 30 day period. Meron po akong vlog about this. Watch nyo po ito: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=8NcTd5LMtIKZPJFk
Hello Palangga. Yes po, if you’re still having trouble po after many attempts and troubleshooting, I guess it’s much better to report it directly na po sa CS nila.
Hello ask lang example ginamit ko CC ko today for payment lng kahit meron naman cash pwede ko na din ba siya bayadan agad kahit di pa nagreflect sa account or kahit naka pending pa yung transaction ?
Hello po. Wait nyo nalang po muna mag complete yung transaction or mawala yung pending na tagging. Then, you can process your payment naman po once posted na sya sa oustanding balance. :)
Hello po! I would like to ask lang po when usually nag rereflect ang SOA? It was stated po na every 8th of the month ang cycle but it’s still not reflecting po, hesitant pa din po ako mag bayad since first time billing cycle ko pa po and 0.00 pa rin ang nag rereflect sa last statement balance. I hope you’ll notice this po. Thank you!
Hello, Just wanna ask. I just received my card this oct 14 and purchased on oct 17 and the next purchased was on oct 23. Ang monthly payment date ko is every 23rd of the month, when is the due for this. looking forward to your response. Thanks!
Hello. If your statement date is every 23rd of the month, all completed transactions from 24Sep-23Oct will reflect on 23Oct statement date. Due date normally is around 15 days after statement date so possible around 8th Nov. Please note as well na yung purchases nyo on 23rd of Oct is masasama lang sya kung mag po post or mag cocomplete from pending on the same date. Kasi if not, it may fall on the next billing cycle/statement.
Sir, what if po kaka receive ko lang ng SOA tapos may credit balance pa ako, pag nabayaran ko ba automatic babalik sya sa original na credit limit nya like 15k yung credit limit ko or 15k plus yung credit balance ko or 15k lang talaga after ko magpay?
Hello Palangga. Yung mismong nagamit nyo lang po yung mag rereplenish. Most likely babalik po sya sa 15K after payment (considering no additional usages after payment).
Yes po. And as long as may available credit limit padin po kahit di pa sya nag rereplenish, you can still use the remaining limit for your new billing cycle. :)
i used more than 20k week after receiving the credit card. the problem is the EASY CONVERT part is not appearing my due is almost coming. I cannot convert my bill to installments
Good day! Just wanna ask if we can use UB as our payment method if we’re going to purchase something internationally? Like Visa, JCB, Master Card? Can we use UB?
Hello po ask ko lang pag pasok ba ng statement date may option na ba don na pay in full or pay in installment? Or need pa itawag muna para maging installment sya
Meron pong installment option, kaso sa napapansin ko by offer lang ata sya. I suggest reaching out nalang din po sa CS Nila for accurate info and assistance.
@ sir, pano po yung nag reflect yung amount due na ₱550 but i paid fully the remaining balance together ng Last Statement Balance. Bat di padin nawala yung Amount ng Last Statement Balance?
Hello po. If nabayaran nyo naman po sya nagbawas naman po sa total oustanding balance, okay na po yun. For accurate info, I recommend reaching out nalang din po sa CS para ma double check sa mismo sa system po nila and for further assitance nadin.
Sana masagot kakadating lang din nung akin itrtry ko sana bukas 'to i swipe sa restaurant first time ko gagamit nito if ginamit ko po ito ng halimbawa nov 11 tapos ang due date sabi dito is 10 okay lang ba yun para matagal ko s'ya bayaran at makapa ipon ipon ako sa pang bayad sana po magets nyo at newly subscriber here
Hello po. Yes po. Okay lang po yun. I guess statement date yung sinasabi nyong 10th. If statement date nyo ay every 10th, it means your monthly cycle starts every 11 to 10th of next month. Then you will receive your bill on the statement date with all your usages. Due is 15days after statement date. :)
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 day palannga ask ko lang po sana if gamitin ko po UB CC ko ng pang Bayad ng BDO CC counted poba yun para ma kuha kopo yung no annual fee ni UB na 20k spent? Salamat palannga 😊
Hello Palangga. Base po sa pagkaka intindi ko sa terms nila, di kasama yung transaction to another bank. Pero you can try reaching out po sa CS nila for accurate info and further assistance. You may also consider watching yung isa ko pang review about this card here: ruclips.net/video/hFBO_ZA5t8A/видео.htmlsi=3tPhgN-f5dp1RZEi
Thanks for sharing your experience. 🥲 If you’re still running into this issue, kindly reach out nalang po sa CS nila for assistance and to get this fixed.
Hi sir, sorry for the question just confuse. I have cc with UB and 15k limit, ang bill date ko po is every 23rd and my due date is 9th of Dec. I spend almost 14k and turn it to easybill installment for 6 months. May I ask if I can still use my cc for the new cycle po? To get the. NAFFL ? and if every pede po ha ma cancel din yung easybill in full just in case?
Hello po. Yes po, as long as may available credit limit pa kayo, you can still your card. All additional usages mag rereflect din po regularly sa monthly statements. Regarding po sa cancellation ng installment, yun lang di ko sure kasi di ko pa sya na ta try. In that case, reach out lang po ulet kayo sa CS nila for further assistance.
Hello po. Honestly di ko pa na ta try yung installment and will inquire po sa CS nila. If this is an urgent po, kindly reach out nalang din po sa CS Nila for accurate info.
Hello Palangga. Due po date po is 15 days after statement date. So once you received your bill po for this month, possible due date would be 22nd Oct. :)
Hello. Kapag gamit nyo po mismo yung UnionBank app for payment, real time po sya. But if we will be using other payment platform like Gcash, it may takes 3-5 business days.
Hello po, ang statement date ko po is every 23rd of the month, tanong ko lang po pag ginamit ko po ba siya before 23rd, magbabayad na din po ba ako sa 23 of this month?
Hello po. Depende po kapag aabot yung posting date ng transaction on 23rd. Normally mag rereflect sa SOA na marereceive nyo if nakahabol sya. If yes, then included po sya. If not - next billing period/SOA pa.
New subscriber here langga. I just want to ask the following questions. 1. Pag nagpurchase ba ng more than 3k, at pag naglick ng TURN TO INSTALLMENT or easyconvert , madali lang ba sya gawin to access yung ipapainstallment mo, I mean hindi na ba need itawag sknila? Once you click the easy convert? Sana masagot po. Kasi takot ako magpurchase worth 4k pesos at baka bigla di gumana ang installment.
Hello. Thank you for checking this. Honestly and late ko na sya nalaman with other users na yung installment pala ni UB is “by offer”, like if maka received ka ng text na katulad ng nareceived ko, then saka pala magiging eligible yung installment. 😢 I guess it needs assistance talaga sa CS or dapat direct yung installments sa merchant.
@@johnpolgacu so hindi pala sya automatic langga. Di tulad ng RCBC kahit 1k pwede mo iaccess sa apps nila for installment. So meaning magaantay pa ako ng text ni UB kung kelan maging eligible ang installment ko?
Sir tanong lang po. Dumating na kasi SOA ko today, binayaran ko siya gamit ang PNB Mobile Apps ko. Diba mag kaiba ang Physical card at virtual card ng UnionBank. Sa Soa ko kasi ang nakalagay is yung Virtual Card kaya yun ang nilagay ko na card number nung nag bayad ako sa PNB binayaran ki naman in full. Okay lang kaya yon? 3-5 working days pa ang posting nito e! Salamat po
Hello po. I guess okay lang po sya since nabayaran nyo nadin. Monitor nyo nalang po, if di po mag reflect, your next step is to call their CS po. I also suggest to use the card number sa physical card for future payments. :)
Hi sir question lng po hlmbawa po ung minimum lng ang bnyran q ok lng po ba UN? Tpos po may nkalgay na available credit 2k ibig sbhn po ba kht minimum lng bnyran q ung available credit puede prn UN gamitin?slamat po
Hello po. Yes po, you can still use the availble/remaining credits. Your choice naman to pay the minimum only, however it will incur interest/finance charges na madadagdag on your next month bill. Watch nyo po itong isa kong video: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=DrrN53riZgIDb2CJ
Hi Sir, May i ask for your assistance po, when i click PAY, and then meron doon na Pay from which account, pagclinick ko po wala naman na account na lumalabas. Can you please help me po?mag due na yung babayaran ko pero di ko talaga siya mabayaran kasi wala nmn doon sa menu ng Pay. sana mapansin mo po. Maraming Salamat
Hello po. Punta lang po kayo dun sa dashboard ng credit card nyo po. Then select statements> then select “Pay”. If wala padin po nag rereflect na pay button, I suggest to check if baka mag updates po yung app nyo sa app store/play store. Then try nyo po ulet.
Hello. Yes po, pero if nagamit nyo naman po yung virtual card, mag rereflect nman sya dun sa virtual card transactions. Kapag posted/completed transactions lang din po yung madadagdag dun sa Oustanding Balance po.
No need po to consume - use it wisely po if needed. On your monthly statement, mag rereflect po lahat ng mga usages nyo at yung magigital total spending nyo po na naka indicate dun sa due date ng SOA, same goes for the next coming months po.
Every after mareceive ang SOA po ba nagrereset or replenish ang available credit? Like babalik sa original credit limit availability especially if nagamit mo na yung buong credit limit mo for the month?
Wala pa akong experience with installment eh, pero I guess yes po, it will taken from your total credit limit at marerecover lang sya paunti unti every time na nagbabayad ka ng monthly bills. As alternative option, try nyo po mag request ng increase credit limit sa CS nila or apply for another credit card to another banks para madami kang options.
Hello po? Ask lang po ako kahit poba hind activated ang UB card? Pwd poba mag send ng pera sa gcash gamit yong UB app? Sana po mapansin kasi yong sahod ko direct sa UB app ko andun yong balance tapos yong card ko hind ko nakuha. Sana mapansin po tapos yong card hind ko pa na activate.
Hello po. Yes po, you initiate bank transfer po from UB to Gcash or other banks. For activation naman po, follow nyo lang po yung instruction dun sa may letter kasama nung card or reach nalang po sa CS nila for further assistance.
Question lang po what if nagamit ko na po sya and every 7th of the month po ang bayad. And nakagastos ako ng 5k is it okay to pay the minimum amount lang po?
Hello Palangga. Okay lang naman po, yun nga lang, there will be interest kapag yung minimum lang yung nabayaran before due date. Watch nyo po itong related video ko about this: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=80VuwGYFN8R1pM0w
Sir question, my statement date is every 10th of the month actually just received my card today medyo confused pa ako. So here’s my question what if mag purchase ako using my unionbank cc now kelan ang due date or need na magbayad?
Hi. If your statement date is 10th of every month, your current monthly billing period started on 11th of Aug - 10th of Oct. You will get your first month SOA on or around Oct 10 covers your completed usages from 11Aug-10Oct. Same goes for the next coming months. Base sa napansin ko and due date ni UB credit card is 15 days after statement date. So Possible yung due date nung SOA mo will be around Oct 25. Para di kayo malito wait nyo nalang yung SOA nyo on Oct 10 - it will reflect all your usages and the exact due date. :)
Hello po. ☺️ Mag sesend lang po ng SMS si UB kapag pasok na po sa yung spend requirement. Sabi sa terms ng promo nila Within 30 days from completing the spend amount. Pero sa case ko it took 2 months bago ako nakareceived ng sms confirmation.
Hello. Since they required within 20 days, possible hindi. Pero you can try reaching out po sa CS Nila for accurate info or kung may iba pa silang options.
Hello po. If straight purchases po yung mga spending nyo, mag rereflect po agad yung total na nagamit nyo sa statement date every month po. Magiging installment lang po sya if nag take po kayo ng offer for direct installment kay merchant or by offer from unionbank to convert your your purchases to installment. Watch nyo po itong isa kong video: ruclips.net/video/hFBO_ZA5t8A/видео.htmlsi=mgKJmh4WnXalELq1
I have question po my statement date po ako na 23rd of the month. Tapos gumamit po ako ng Sept 25 kelan po kaya ang due date nya? kase wala pa pong SOA na nagrereflect sa app ko at email.
Hi Palangga. If your statement date is every 23rd, that means your current billing cycle covers from 24 Sep to 23 Oct. Lahat po ng usages nyo with this period will reflect sa SOA na marereceive nyo on Oct 23 and normslly due date nya is 15 days - so possible due date nun is on Nov 08. :)
Hi sir ... question lg din po ..sakin naman po ngayon lg dumating ang card bale every 10th of the month tapos na use kona po sya nong sept 26. When po kaya yung due ko pag ka ganito sir medyo nallito dn ako since wla pa sa app Yung soa. hehe..thanks. Sa sagot
Hi Palangga. If every 10th month po yung statement date nyo, that means your current cycle starts on 11 Sep - 10 Oct. And your SOA will be generated on 10 Oct. So lahat po ng usages nyo with this billing period will reflect on 10 Oct SOA, same goes for the next billing cycles. Due date po is 15 days after statement date, so possibly magiging due nung first SOA nyo will be around 25Oct. 😊
Magandang hapon po. Sir tanong ko lang po, dumating napo kanina lang ung union cc ko po, tapos nakagamit din po agad ngayon sir. Ang nakalagay sa statement date ko po 12th of every month po.kaylan po kaya payment ko po sir. Thank you po
Hi po. Since statement date nyo po is every 12, billing cycle nyo po started nung 13Sep and will end this 12Oct. So possible ma rereceive nyo po agad SOA nyo this Oct 12. And due date po is 15 days after, so possibly around 27 Oct.
Hi sir! Ask ko lang po s amobile app ng union bank po n nka install s cp ko wala pong icon ng "Statements" & 'Installments" n nk display sa Accoun Details? Activated nman npo yung cc ko more than 1month npo.
Awww. Try nyo pong e check if my update sa software and reinstall yung app. If wala padin, I suggest reaching out nalang po sa cs nila for further assistance.
Hello po. Base sa experience ko nag sesend sila ng sms instructions once available. But I guess it is best to reach out po sa CS nila for assistance and to see possible options.
Bawal pala sya sa RETAIL CONVERSION excluded sya sa 20k spend requirement. Nagemail na sa akin ang unionbank. Nakakapressure magpurchase ng worth 20k na dapat bayaran din ng cash.🥺
Hello po. Base po sa experience ko, may email pong sinend si UB for instruction para ma add yung card sa UB app. Tapos dun nyo na po sa UB app makikita yung details.
Hi Palangga. Open nyo lang po yung UnionBank app nyo, then select ngo lang po yung option na “Get Cash” from credit card dashboard and select “Cash Advance”. Then you can convert your some of you limits into cash. If you’re having trouble po and need further assistance, just reach out lang po sa CS Nila to help you.
Statement ko every 7th Ngayon 7th na di pa dumating SOA ko Tapus kahit wla pa akung SOA nagbayad aku thru paymay peru di pa nag reflect Tama lng po ba yon? Kinakabahan p kasi ako
Hi Palangga. Okay naman po yung ginawa nyo. Normally kasi it can take up to 3-5 business days bago sya mag reflect if we will be using other payment platform. Wait wait nyo lang po, mag po post din yan as soon as possible. :)
@@johnpolgacu same every 7th of the month din sakin. so ang payment due date ko po is 22nd of this month? Tama po ba? Wala pang nagenerate na SOA today so mga kelan po lalabas yung SOA ko?
Hi, medyo nalilito po kasi ako. Ang cut off po namin ay every 15th of the month, so gets ko naman yung 16 to 15th the next month yung billing period. So ganto po ginagawa ko kasi, hinuhulugan ko every akinse at katapusan yung nagiging bill namin, ex. 13k soa, huhulog ako ng 7k ng akinse. Then the rest. Katapusan, pero this month nagkaron ako ng 200+ na interest which i dont know why, pls explain , i made sure naman na nahulugan namin yung monthly due before the due date always.
Hello Palangga. If na ko cover naman po yung totol amount before due date, dapat wala na talaga syang interest. Sa case nyo, possible baka late lang yung posting nung ng payment nyo tuwing katapusan. In your case po, I recommend reaching out po sa CS Nila para matulungan po nila at makapag file po kayo ng dispute if necessary. Watch nyo din po itong isa kong related video: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=8NcTd5LMtIKZPJFk
Hello po. Once na received nyo po yung statement nyo, mag rereflect din po dun kung ano magiging due date. Possibly around 15 days after statement date so baka mga 25th of the month.
Hello po. Base po sa experience ko hindi po nila ako hiningan ng income documents eh. Maybe because I have an existing credit card from other banks. I guess depende padin sya sa credit history.
Thank you so much! Also ask ko narin po since 1st time ko po mag apply ng cc, pwede po ba gamitin ang laman ng cc for transfer po? Like from cc to digital banks
With UB po, yes po. They have Pay Direct option where you can convert portion of you available credit to transfer to other banks/ewallets. Watch nyo po itong isa kong video about this: ruclips.net/video/hFBO_ZA5t8A/видео.htmlsi=aNh6LVyMKot2Inm3
Ask ko lng po.. every 7th of the. Month po unh statement date ko . Nagamit ko po sya last sept 16 ..until now po oct 7 na wala parin ako soa pano ko po malaman if kailan due date ko. Salamt po
Hi Palangga. I guess may delay lang sila, pero wait nyo lang po. Mag ge generate din yan. Once generated naman, 15 days yung due date after statement date so possible around 22Oct. :)
Ang statement date po? That means your monthly cycles starts on 11th of the month to 10th of the next month. Around 10th of every month nyo po ma rereceived SOA nyo and due date is 15 days after statement date.
Hi Palangga! Try nyo pong mag run ng basic troubleshooting, like checking if may device software update or app update. You may also try to reinstall the app. If ayaw padin mag work, I recommend reaching out po sa CS nila to report it and for further assistance.
Sir question lang po nagapply aq ng CC from UB kasi bumili ako nun nag ipad tas inofferan ako ng CC.Oct.6 inapply ko but 2weeks ago wala pa din tas ngtxt na sa akin ung tracking number pero wala pa din paano po kaya un
Hi po..ask lang po sana ako. Statement ko every 2nd of the month,,dumating cc ko mga 2nd week of sept.naactivate ko sya sept.20. Tapos nagstart po ako sa credit sept.21, Ngayon nagtaka ako kung bakit may due date bill ammout ako na 500 ngayong oct,20..para saan po yung 500??
Hello po. Double check nyo lang po yung sa mga transactions nyo sa app. If may copy nadin kayo ng bill, pwede nyo po ma download yung SOA under statements and nakalist din po doon kung saan galing yung mga charge. If you need help for dispute, you can reach out din po sa CS Nila.
Hi Palangga. Yung pin is for cash advance feature po, but you can still use your card padin for purchases without the PIN. If you also interested in Cash Advance feature and need assistance, I recommend reaching po sa CS nila. :)
@@johnpolgacuhi John, just to confirm, once activated na ang card thru app, kahit walang pin, you can tap it nalang for groceries? Sumasakit ulo ko kakaisip kung bakit walang pin eh. Di ko tuloy magamit yung card.
Yes po - kung ano po magiging usages nyo po, yun po mag rereflect sa monthly statements nyo po. Please note din po that card is subject for annual fees and other fees sa ibang transactions like cash advance, paydirect, etc. Monitor nyo lang po yung monthly statements nyo. :)
good am Po kakadating lang Po Ng ub cc q kahapon statement date q Po is every 17th of the month , nagamit q na Po sya ngayon kailan Po kaya first payment q
Hello po. If every 17th yung statement date nyo, yung current billing cycle nyo po started last Aug18 - Sep17. So lahat po ng usages nyo with this cycle will reflect sa 1st SOA nyo this Sep 17. Normally due date po is 15 days after statement date, so possible due date nun is Nov 02. Pero much better to pay once na receive nyo na bill on your statement date to avoid confusions.
Bali di Po Ako naka gamit Ng Aug 18 to Sept 17 Po , ngayon oct 10 q lang Po sya nagamit ask q lang Po ano Po kaya Ang possible Ng billing q Nyan Po , sorry Po aa 1st time q Po Kasi kaya naguguluhan Po Ako salamat Po sa pag sagot .
Oh sorry, October na pala. 😅 Same process lang din po, your ongoing cycle na po started Sep18 - Oct17. All usages will reflect sa Oct 17 SOA nyo po and due date is 15 days after, so possible around Nov 02. Same goes for the next monthly billing cycles.
Hi Palangga! 😊 Honestly it is best to pay the full amount po. Pero in case na need nyong ipa installmenr, pwede nyo pong e covert sya into installment. Punta lang kayo sa App, tapos select nyo lang yung installment option. If you’re havings issues po, you may also reach out sa CS nila to assist you further. :)
@cloeforbes11 NO!!! Don’t settle or make it habit paying only the minimum amount due. ALWAYS PAY YOUR CREDIT CARD BILL IN FULL AMOUNT for it to not incurred any interest fee/charges from banks!
@@rjylpzbltr Pero Mii kasi first time ko lang toh using a credit card if kailangan ko magspend ng 20k within 60 days for me not to have an annual fee for life d ko sya mababayaran ng buo, is it still okay to pay more than the minimum payment instead of paying it in full ? D po kasi ganun kadami pera ko 😅
@@rjylpzbltr pa request din po Sana ng video Mii sa kung Gano kalaki ung interest charges if d po nababayaran ng buo unh owing balance sa unionbank credit card visa platinum kasi ang Sabi po sakin is mababa lang po ung interest Pero d kopo sure.
CORRECTION: The start date of your new billing cycle is after your statement date.
Example: If my statement date is 15th of every month, my billicyle starts from 16th of the month to 15th of the next month.
Palangga pag may naiwan po SA outstanding balance paano po yun araw araw po ba Ang interest Hindi Po ba monthly salamat po
Hi Palangga. 3% po sya base on 30 day period. Meron po akong vlog about this. Watch nyo po ito: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=8NcTd5LMtIKZPJFk
sa akin is every second of the month? ano kaya ang exact date dapat? please reply
Hello. So it means you can expect to receive your monthly bills every 2nd of the month.
Ung payments sa bills like meralco, papsok ba sya dun sa 20k na required para ma waive ung annual fee? Thanks
Hello Palangga. Based po sa experience ko, yes po. For accurate info, it is best din to reach out to their cs. ;)
You may also consider watching yung isa kong video about this card here: ruclips.net/video/hFBO_ZA5t8A/видео.htmlsi=3tPhgN-f5dp1RZEi
Pag UB savings account po ba? Real time po ba mag rereflect agad po ang transactions po keysa gcash?
Hello Palangga. Yes po, real time po kapag directly kay UB. :)
Hi John, di ko maactivate yung card ko using the app? Need ko ba icheck sa bank?
Hello Palangga. Yes po, if you’re still having trouble po after many attempts and troubleshooting, I guess it’s much better to report it directly na po sa CS nila.
Hello ask lang example ginamit ko CC ko today for payment lng kahit meron naman cash pwede ko na din ba siya bayadan agad kahit di pa nagreflect sa account or kahit naka pending pa yung transaction ?
Hello po. Wait nyo nalang po muna mag complete yung transaction or mawala yung pending na tagging. Then, you can process your payment naman po once posted na sya sa oustanding balance. :)
Hello po! I would like to ask lang po when usually nag rereflect ang SOA? It was stated po na every 8th of the month ang cycle but it’s still not reflecting po, hesitant pa din po ako mag bayad since first time billing cycle ko pa po and 0.00 pa rin ang nag rereflect sa last statement balance. I hope you’ll notice this po. Thank you!
Hello po. Around statement date po sya mag rereflect, possible baka may delay lang. Pero it will show po yung Nov statement nyo maybe around 24-48hrs.
@ okay po. Thank youuu
you’re welcome po
Pwede po ba installment ung payment palannga
Hello po. Pwede naman po, kasi by offer sya. If maka received po kayo ng offer from ub via sms, reach out lang po kayo sa cs nila to avail.
Hello, Just wanna ask. I just received my card this oct 14 and purchased on oct 17 and the next purchased was on oct 23. Ang monthly payment date ko is every 23rd of the month, when is the due for this. looking forward to your response. Thanks!
Hello. If your statement date is every 23rd of the month, all completed transactions from 24Sep-23Oct will reflect on 23Oct statement date. Due date normally is around 15 days after statement date so possible around 8th Nov.
Please note as well na yung purchases nyo on 23rd of Oct is masasama lang sya kung mag po post or mag cocomplete from pending on the same date. Kasi if not, it may fall on the next billing cycle/statement.
@@johnpolgacu Hello, Thank you for this information. ☺️
you’re welcome po :)
Sir, what if po kaka receive ko lang ng SOA tapos may credit balance pa ako, pag nabayaran ko ba automatic babalik sya sa original na credit limit nya like 15k yung credit limit ko or 15k plus yung credit balance ko or 15k lang talaga after ko magpay?
Hello Palangga. Yung mismong nagamit nyo lang po yung mag rereplenish. Most likely babalik po sya sa 15K after payment (considering no additional usages after payment).
@@johnpolgacu tnx po, after ba mag back to 15k po pwede ko na ulit magamit ang credit card ko po?
Yes po. And as long as may available credit limit padin po kahit di pa sya nag rereplenish, you can still use the remaining limit for your new billing cycle. :)
i used more than 20k week after receiving the credit card. the problem is the EASY CONVERT part is not appearing my due is almost coming. I cannot convert my bill to installments
Hello. By offer lang po kasi yung Conversion with UB. 😢
Good day! Just wanna ask if we can use UB as our payment method if we’re going to purchase something internationally? Like Visa, JCB, Master Card? Can we use UB?
Hello. Yes po, Visa po card processor ni UB rewards platinum so it can be use to any merchant that accepts VISA card.
@ Thnks for the response. Well appreciated.
you’re welcome po :)
Hello po ask ko lang pag pasok ba ng statement date may option na ba don na pay in full or pay in installment? Or need pa itawag muna para maging installment sya
Meron pong installment option, kaso sa napapansin ko by offer lang ata sya. I suggest reaching out nalang din po sa CS Nila for accurate info and assistance.
pagka activate ba pwede nagamitin kht zero balance sa dashboard ?
Yes po.
Paano Po gamitin?
You can use it for payment po with in-store or online purchases. Ask nyo lang po yung cashier if they do accept card payment. :)
Hello, i have balance sa last statement balance. Do i need to use Unionbank Savings Atm or okay lng thru gcash? Pls reply
Hello pp. If mag du due na po, much better to use yung savings kay UB para realtime yung posting. Sa Gcash po kasi can take up to 3 business days.
@ sir, pano po yung nag reflect yung amount due na ₱550 but i paid fully the remaining balance together ng Last Statement Balance. Bat di padin nawala yung Amount ng Last Statement Balance?
Meron pdin yung amount sir tas due na po bukas. Nag zero yung Amount dur na ₱550 instead of amount sa LSB.
Hello po. If nabayaran nyo naman po sya nagbawas naman po sa total oustanding balance, okay na po yun. For accurate info, I recommend reaching out nalang din po sa CS para ma double check sa mismo sa system po nila and for further assitance nadin.
Hello po. Pasok po ba sa 20k purchase pag gnamit sa lazada shopee yun card for NAFFL promo.
Hello. Yes po, pasok po sya.
Sana masagot kakadating lang din nung akin itrtry ko sana bukas 'to i swipe sa restaurant first time ko gagamit nito if ginamit ko po ito ng halimbawa nov 11 tapos ang due date sabi dito is 10 okay lang ba yun para matagal ko s'ya bayaran at makapa ipon ipon ako sa pang bayad sana po magets nyo at newly subscriber here
Hello po. Yes po. Okay lang po yun. I guess statement date yung sinasabi nyong 10th. If statement date nyo ay every 10th, it means your monthly cycle starts every 11 to 10th of next month. Then you will receive your bill on the statement date with all your usages. Due is 15days after statement date. :)
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. Start po sya on approval date. From the moment you received an email na approved yung application po.
i see.. since wala pa po by the time yung physical card, saan po pwede gamitin yung credit card? maactivate na ba siya kahit wala pa yung card?
Yes po. You can use yung virtual card po in the meantime for online purchases. :)
Good day palannga ask ko lang po sana if gamitin ko po UB CC ko ng pang Bayad ng BDO CC counted poba yun para ma kuha kopo yung no annual fee ni UB na 20k spent? Salamat palannga 😊
Hello Palangga. Base po sa pagkaka intindi ko sa terms nila, di kasama yung transaction to another bank. Pero you can try reaching out po sa CS nila for accurate info and further assistance. You may also consider watching yung isa ko pang review about this card here: ruclips.net/video/hFBO_ZA5t8A/видео.htmlsi=3tPhgN-f5dp1RZEi
I received my credit card but i can't activate..
Thanks for sharing your experience. 🥲 If you’re still running into this issue, kindly reach out nalang po sa CS nila for assistance and to get this fixed.
Hello po., ask ko lang po after ma activate po online app pwede ko na po ba magamit cc ko pang groceries?
Yes po :)
Hi sir, sorry for the question just confuse.
I have cc with UB and 15k limit, ang bill date ko po is every 23rd and my due date is 9th of Dec. I spend almost 14k and turn it to easybill installment for 6 months. May I ask if I can still use my cc for the new cycle po? To get the. NAFFL ? and if every pede po ha ma cancel din yung easybill in full just in case?
Hello po. Yes po, as long as may available credit limit pa kayo, you can still your card. All additional usages mag rereflect din po regularly sa monthly statements.
Regarding po sa cancellation ng installment, yun lang di ko sure kasi di ko pa sya na ta try. In that case, reach out lang po ulet kayo sa CS nila for further assistance.
Sir, meron din po akong UB savings account, so yun nalang ang gagamitin ko po no to pay my UB CC rather than GCASH po😁
Hi Palangga. Yes po, para real time. Okay lang din naman ang Gcash or Maya, kaso 3-5 days nga lang yung posting.
Hello po. Pano po ba babayaran yung naka installment po na balance?
Hello po. Honestly di ko pa na ta try yung installment and will inquire po sa CS nila.
If this is an urgent po, kindly reach out nalang din po sa CS Nila for accurate info.
Very helpful thank you so much
Thank you Palangga, I do appreciate this. 😍
sir statement date ko po every 7th of the month..kelan po kya ang duedate nun?
Hello Palangga. Due po date po is 15 days after statement date. So once you received your bill po for this month, possible due date would be 22nd Oct. :)
sir ask ko lang kung mag rereflect ba agad pag nag pay agad ako?
Hello. Kapag gamit nyo po mismo yung UnionBank app for payment, real time po sya. But if we will be using other payment platform like Gcash, it may takes 3-5 business days.
Hello po, ang statement date ko po is every 23rd of the month, tanong ko lang po pag ginamit ko po ba siya before 23rd, magbabayad na din po ba ako sa 23 of this month?
Hello po. Depende po kapag aabot yung posting date ng transaction on 23rd. Normally mag rereflect sa SOA na marereceive nyo if nakahabol sya. If yes, then included po sya. If not - next billing period/SOA pa.
Hi sir pwede ko na po bang magamit ang ub virtual card ko sa online kahit wala pa ang physical card ko po?
Yes po. Follow nyo lang po yung instruction na ma rereceive nyo sa email from official union bank.
pwede na po ba sir mag bayad kahit hindi pa dumarating yung SOA kasi dapat october 10 pa and due ko pero until wala pa po soa?
Hello Palangga. Yes po, you can pay your oustanding balance naman po, as long as on or before due date.
New subscriber here langga.
I just want to ask the following questions.
1. Pag nagpurchase ba ng more than 3k, at pag naglick ng TURN TO INSTALLMENT or easyconvert , madali lang ba sya gawin to access yung ipapainstallment mo, I mean hindi na ba need itawag sknila? Once you click the easy convert?
Sana masagot po. Kasi takot ako magpurchase worth 4k pesos at baka bigla di gumana ang installment.
Hello. Thank you for checking this. Honestly and late ko na sya nalaman with other users na yung installment pala ni UB is “by offer”, like if maka received ka ng text na katulad ng nareceived ko, then saka pala magiging eligible yung installment. 😢 I guess it needs assistance talaga sa CS or dapat direct yung installments sa merchant.
@@johnpolgacu so hindi pala sya automatic langga. Di tulad ng RCBC kahit 1k pwede mo iaccess sa apps nila for installment. So meaning magaantay pa ako ng text ni UB kung kelan maging eligible ang installment ko?
Yes po. 🥲
For accurate info po and assistance, it is best padin to reach out to their CS.
Sir tanong lang po. Dumating na kasi SOA ko today, binayaran ko siya gamit ang PNB Mobile Apps ko. Diba mag kaiba ang Physical card at virtual card ng UnionBank. Sa Soa ko kasi ang nakalagay is yung Virtual Card kaya yun ang nilagay ko na card number nung nag bayad ako sa PNB binayaran ki naman in full. Okay lang kaya yon? 3-5 working days pa ang posting nito e! Salamat po
Hello po. I guess okay lang po sya since nabayaran nyo nadin. Monitor nyo nalang po, if di po mag reflect, your next step is to call their CS po. I also suggest to use the card number sa physical card for future payments. :)
@@johnpolgacu thank you. Virtual card number kase ang lumabas sa SOA e kaya yun ang sinunod ko e
I see. Thank you po sa info.
Pag ba declined po pwede parin mag reapply?
Yes po, pero much better to give time like few months.
Hi sir question lng po hlmbawa po ung minimum lng ang bnyran q ok lng po ba UN? Tpos po may nkalgay na available credit 2k ibig sbhn po ba kht minimum lng bnyran q ung available credit puede prn UN gamitin?slamat po
Hello po. Yes po, you can still use the availble/remaining credits. Your choice naman to pay the minimum only, however it will incur interest/finance charges na madadagdag on your next month bill. Watch nyo po itong isa kong video: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=DrrN53riZgIDb2CJ
@@johnpolgacu thank you po sir SA pagsagot
you’re welcome po
Hi Sir, May i ask for your assistance po, when i click PAY, and then meron doon na Pay from which account, pagclinick ko po wala naman na account na lumalabas. Can you please help me po?mag due na yung babayaran ko pero di ko talaga siya mabayaran kasi wala nmn doon sa menu ng Pay. sana mapansin mo po. Maraming Salamat
Hello po. Punta lang po kayo dun sa dashboard ng credit card nyo po. Then select statements> then select “Pay”. If wala padin po nag rereflect na pay button, I suggest to check if baka mag updates po yung app nyo sa app store/play store. Then try nyo po ulet.
sir pag d pa na activate ang card or d pa na receive ang card,d pa po ba talaga lumalabas ang outstanding balance sa ub app po?thank you
Hello. Yes po, pero if nagamit nyo naman po yung virtual card, mag rereflect nman sya dun sa virtual card transactions. Kapag posted/completed transactions lang din po yung madadagdag dun sa Oustanding Balance po.
@@johnpolgacu need po ba e consume lahat ng credit limit po?pano po ang pagbabayad?1 time?or installment po?thank you
No need po to consume - use it wisely po if needed. On your monthly statement, mag rereflect po lahat ng mga usages nyo at yung magigital total spending nyo po na naka indicate dun sa due date ng SOA, same goes for the next coming months po.
Kapag po ba nag swipe ka auto may interest na agad patong nfor next bayaran kahit hindi ka nalate or kapag hindi po nalate wala nmng interesy?
Wala po. Magkaka interest lang sya kapag hindi nabayaran yung dadating nyong monthly bill (on your statement date) after due date indicated on it.
Every after mareceive ang SOA po ba nagrereset or replenish ang available credit? Like babalik sa original credit limit availability especially if nagamit mo na yung buong credit limit mo for the month?
Hello po. Hindi po. Mag rereplenish lang po sya after making payments dun sa oustanding balance.
@@johnpolgacuso ang available credit will depend how much ang paid from outstanding balance?
What if naka set for installment ang payment for the whole credit limit availability na nagamit?
Wala pa akong experience with installment eh, pero I guess yes po, it will taken from your total credit limit at marerecover lang sya paunti unti every time na nagbabayad ka ng monthly bills.
As alternative option, try nyo po mag request ng increase credit limit sa CS nila or apply for another credit card to another banks para madami kang options.
Hello po? Ask lang po ako kahit poba hind activated ang UB card? Pwd poba mag send ng pera sa gcash gamit yong UB app? Sana po mapansin kasi yong sahod ko direct sa UB app ko andun yong balance tapos yong card ko hind ko nakuha. Sana mapansin po tapos yong card hind ko pa na activate.
Hello po. Yes po, you initiate bank transfer po from UB to Gcash or other banks. For activation naman po, follow nyo lang po yung instruction dun sa may letter kasama nung card or reach nalang po sa CS nila for further assistance.
Question lang po what if nagamit ko na po sya and every 7th of the month po ang bayad. And nakagastos ako ng 5k is it okay to pay the minimum amount lang po?
Hello Palangga. Okay lang naman po, yun nga lang, there will be interest kapag yung minimum lang yung nabayaran before due date. Watch nyo po itong related video ko about this: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=80VuwGYFN8R1pM0w
Sir question, my statement date is every 10th of the month actually just received my card today medyo confused pa ako. So here’s my question what if mag purchase ako using my unionbank cc now kelan ang due date or need na magbayad?
Hi. If your statement date is 10th of every month, your current monthly billing period started on 11th of Aug - 10th of Oct. You will get your first month SOA on or around Oct 10 covers your completed usages from 11Aug-10Oct. Same goes for the next coming months. Base sa napansin ko and due date ni UB credit card is 15 days after statement date. So Possible yung due date nung SOA mo will be around Oct 25.
Para di kayo malito wait nyo nalang yung SOA nyo on Oct 10 - it will reflect all your usages and the exact due date. :)
@@johnpolgacu Thanks a lot 😊
you’re welcome po :)
Need poba password ky cc po
Sa mismong card po? No need po, sa app lang. :)
Hi langga ask ko lang po , kelan malaman or san malaman pag pasok kana sa no annual fee, salamat po😊
Hello po. ☺️ Mag sesend lang po ng SMS si UB kapag pasok na po sa yung spend requirement. Sabi sa terms ng promo nila Within 30 days from completing the spend amount. Pero sa case ko it took 2 months bago ako nakareceived ng sms confirmation.
@ salamat po ulit☺️☺️☺️
Hi Good day po, may i ask po.. what if saka ko lang na reach yung 20k ko pero lagpas na 60 days hindi na ba ako pasok sa no annual fee?☹️☹️☹️
Hello. Since they required within 20 days, possible hindi. Pero you can try reaching out po sa CS Nila for accurate info or kung may iba pa silang options.
@ thank you po
you’re welcome po :)
@ last na po na tanong yung annual fee po ba is free sa unang year? Or meron napo talaga?
Wala silang na mentioned na ganyan eh, kaya I guess no. 😢
sir ano ba ilagay ko sa reference number kasi magbayad sana ako sa landbank
Hello. Credit Card numbers po. :)
Hi lods ask ko lang po installment po ba ang pagbayad kay cc
Hello po. If straight purchases po yung mga spending nyo, mag rereflect po agad yung total na nagamit nyo sa statement date every month po. Magiging installment lang po sya if nag take po kayo ng offer for direct installment kay merchant or by offer from unionbank to convert your your purchases to installment. Watch nyo po itong isa kong video: ruclips.net/video/hFBO_ZA5t8A/видео.htmlsi=mgKJmh4WnXalELq1
I have question po my statement date po ako na 23rd of the month.
Tapos gumamit po ako ng Sept 25 kelan po kaya ang due date nya? kase wala pa pong SOA na nagrereflect sa app ko at email.
Hi Palangga. If your statement date is every 23rd, that means your current billing cycle covers from 24 Sep to 23 Oct. Lahat po ng usages nyo with this period will reflect sa SOA na marereceive nyo on Oct 23 and normslly due date nya is 15 days - so possible due date nun is on Nov 08. :)
Hi sir ... question lg din po ..sakin naman po ngayon lg dumating ang card bale every 10th of the month tapos na use kona po sya nong sept 26. When po kaya yung due ko pag ka ganito sir medyo nallito dn ako since wla pa sa app Yung soa. hehe..thanks. Sa sagot
Hi Palangga. If every 10th month po yung statement date nyo, that means your current cycle starts on 11 Sep - 10 Oct. And your SOA will be generated on 10 Oct. So lahat po ng usages nyo with this billing period will reflect on 10 Oct SOA, same goes for the next billing cycles. Due date po is 15 days after statement date, so possibly magiging due nung first SOA nyo will be around 25Oct. 😊
Boss yong points mo jan kada anong araw pumapasok? Ako naka 5k mahigit na wala naman pumasok na points
Hello po. Base po sa experience ko, normally within 5-7 days after mag post yung transaction, nadagdagan din yung points ko.
@@johnpolgacu ah i see cge check ko nlng
Magandang hapon po. Sir tanong ko lang po, dumating napo kanina lang ung union cc ko po, tapos nakagamit din po agad ngayon sir. Ang nakalagay sa statement date ko po 12th of every month po.kaylan po kaya payment ko po sir. Thank you po
Hi po. Since statement date nyo po is every 12, billing cycle nyo po started nung 13Sep and will end this 12Oct. So possible ma rereceive nyo po agad SOA nyo this Oct 12. And due date po is 15 days after, so possibly around 27 Oct.
Ilang days mo po nakuha?
Hi sir! Ask ko lang po s amobile app ng union bank po n nka install s cp ko wala pong icon ng "Statements" & 'Installments" n nk display sa Accoun Details? Activated nman npo yung cc ko more than 1month npo.
Awww. Try nyo pong e check if my update sa software and reinstall yung app. If wala padin, I suggest reaching out nalang po sa cs nila for further assistance.
Mii question, kailan kaya pwedi magamit yong installment?
Hello po. Base sa experience ko nag sesend sila ng sms instructions once available. But I guess it is best to reach out po sa CS nila for assistance and to see possible options.
Sir John, question paano ko malalaman yung end date to spend ng 20k para waive na yung annual fee?
Hello. I guess 60 days from card activation. For accurate info po, I recommend reaching out nalang po sa CS nila.
@@johnpolgacu thank you! last question na ano ba contact info ng CS nila?
ito po (+632)8-841-8600
Thank you po
You’re welcome po
Bawal pala sya sa RETAIL CONVERSION excluded sya sa 20k spend requirement. Nagemail na sa akin ang unionbank. Nakakapressure magpurchase ng worth 20k na dapat bayaran din ng cash.🥺
Aww 😢 It seems purchases lang required spending nila for NAFFL. Thank you for sharing this.
Kailan po kaya ulit pwede magamit ang CA after mabayaran ng full?
Hello. Once posted na po yung payment, ma rereflenish na po ulet yung credit limit nyo, then you can use it again for cash advance and purchases. :)
Paano po magcash advance?
Hello po. As far as I know, 1 year pa sya bago maging available. Pero you can reach out po sa CS Nila for accurate info and assistance.
Paano po mag open ng virtual cc?anong link and saan ako mag open po.
Hello po. Base po sa experience ko, may email pong sinend si UB for instruction para ma add yung card sa UB app. Tapos dun nyo na po sa UB app makikita yung details.
Hi po sir pano po gamitin cash advance limit?1st time cc user po tysm po in advance☺️
Hi Palangga. Open nyo lang po yung UnionBank app nyo, then select ngo lang po yung option na “Get Cash” from credit card dashboard and select “Cash Advance”. Then you can convert your some of you limits into cash. If you’re having trouble po and need further assistance, just reach out lang po sa CS Nila to help you.
Pano po mag set ng pin sa app? Wala po set pin nakalagay
Hello Palangga. I guess hindi pa sya available sa app. In your case po, I recommend reaching out po sa CS nila for assistance.
tanong ko lng idol mag kano annual fee netong ub rewards visa platinum???
₱2,500 po. ☺️
Ask lang po ano ang easy bill installment?
Gagawin nya pong installment yung amount po ng current bill nyo po. :) Yun nga lang, by offer lang sya.
Statement ko every 7th
Ngayon 7th na di pa dumating SOA ko
Tapus kahit wla pa akung SOA nagbayad aku thru paymay peru di pa nag reflect
Tama lng po ba yon?
Kinakabahan p kasi ako
Hi Palangga. Okay naman po yung ginawa nyo. Normally kasi it can take up to 3-5 business days bago sya mag reflect if we will be using other payment platform. Wait wait nyo lang po, mag po post din yan as soon as possible. :)
@@johnpolgacu same every 7th of the month din sakin. so ang payment due date ko po is 22nd of this month? Tama po ba? Wala pang nagenerate na SOA today so mga kelan po lalabas yung SOA ko?
Hello palangga. Yes po Tama po kayo. Possible delay lang yung SOA.
Hi, medyo nalilito po kasi ako. Ang cut off po namin ay every 15th of the month, so gets ko naman yung 16 to 15th the next month yung billing period. So ganto po ginagawa ko kasi, hinuhulugan ko every akinse at katapusan yung nagiging bill namin, ex. 13k soa, huhulog ako ng 7k ng akinse. Then the rest. Katapusan, pero this month nagkaron ako ng 200+ na interest which i dont know why, pls explain , i made sure naman na nahulugan namin yung monthly due before the due date always.
Hello Palangga. If na ko cover naman po yung totol amount before due date, dapat wala na talaga syang interest. Sa case nyo, possible baka late lang yung posting nung ng payment nyo tuwing katapusan. In your case po, I recommend reaching out po sa CS Nila para matulungan po nila at makapag file po kayo ng dispute if necessary. Watch nyo din po itong isa kong related video: ruclips.net/video/Hxjn5qF7wGw/видео.htmlsi=8NcTd5LMtIKZPJFk
Tanong lng po kung ang statement date po ay 10th of every month...kaylan po ang magiging due date nito?
Thank you po
Hello po. Once na received nyo po yung statement nyo, mag rereflect din po dun kung ano magiging due date. Possibly around 15 days after statement date so baka mga 25th of the month.
Hello! Hm po yung required salary nila per month para ma achieve yung 35k credit limit?
Hello po. Base po sa experience ko hindi po nila ako hiningan ng income documents eh. Maybe because I have an existing credit card from other banks. I guess depende padin sya sa credit history.
Thank you so much! Also ask ko narin po since 1st time ko po mag apply ng cc, pwede po ba gamitin ang laman ng cc for transfer po? Like from cc to digital banks
With UB po, yes po. They have Pay Direct option where you can convert portion of you available credit to transfer to other banks/ewallets. Watch nyo po itong isa kong video about this: ruclips.net/video/hFBO_ZA5t8A/видео.htmlsi=aNh6LVyMKot2Inm3
@@johnpolgacu thank you so much! Worth subscribing 👌
Thank you din 😍🥰
Ask ko lng po.. every 7th of the. Month po unh statement date ko . Nagamit ko po sya last sept 16 ..until now po oct 7 na wala parin ako soa pano ko po malaman if kailan due date ko. Salamt po
Hi Palangga. I guess may delay lang sila, pero wait nyo lang po. Mag ge generate din yan. Once generated naman, 15 days yung due date after statement date so possible around 22Oct. :)
Saan po nakikita ang hulog sa union apps po
You mean deposit/transfer po ba?
What if po every 10th of the month
Ang statement date po? That means your monthly cycles starts on 11th of the month to 10th of the next month. Around 10th of every month nyo po ma rereceived SOA nyo and due date is 15 days after statement date.
Hello po ask kolang po sana kung bakit hindi. Po maopen yung instalment sa ub app ko.
Hi Palangga! Try nyo pong mag run ng basic troubleshooting, like checking if may device software update or app update. You may also try to reinstall the app. If ayaw padin mag work, I recommend reaching out po sa CS nila to report it and for further assistance.
Paano po magcash advance sa union bank platinum CC.
Hello po. As far as I know, 1 year pa sya bago maging available. Pero you can reach out po sa CS Nila for accurate info and assistance.
Sir email lang ba sa bank ang soa ng cc?
Yes po. Pero it’s better din to access it directly sa app kasi ma early sya dun maging available.
@@johnpolgacu thank you sa reply sir very appreciated
Tanung lang po saan po makikita doon ba yan sa statement?
You’re welcome po. :) Yes po, sa may statements option po.
Sir question lang po nagapply aq ng CC from UB kasi bumili ako nun nag ipad tas inofferan ako ng CC.Oct.6 inapply ko but 2weeks ago wala pa din tas ngtxt na sa akin ung tracking number pero wala pa din paano po kaya un
Hello po. In your case po, kailangan nyo lang po syang e reach out sa CS nila para ma double yung status at matulungan nila kayong gawan ng aksyon.
Hi po..ask lang po sana ako.
Statement ko every 2nd of the month,,dumating cc ko mga 2nd week of sept.naactivate ko sya sept.20.
Tapos nagstart po ako sa credit sept.21,
Ngayon nagtaka ako kung bakit may due date bill ammout ako na 500 ngayong oct,20..para saan po yung 500??
Hello po. Double check nyo lang po yung sa mga transactions nyo sa app. If may copy nadin kayo ng bill, pwede nyo po ma download yung SOA under statements and nakalist din po doon kung saan galing yung mga charge. If you need help for dispute, you can reach out din po sa CS Nila.
Ask lng po.paano Po kapag Wala clang pinadala na email pero nadeliver na sakin ung physical card ko.tapos ayaw nia maactivate nag error?
Hello po. In you case po, I guess need nyo na pong e mag reach out kay UB para ma double check po nila sa system nila and to get this fixed.
Ang importante lang po db mabayaran ung minimum payment that is due ?
Hi palangga. Your choice naman if you want to pay only the minimum. However, it will incurred interest/fees na madagdagan on your next statement.
@@johnpolgacu sir one time payments b dpt?
Pwede naman po paunti until hanggang ma complete sya before Due date. :)
pa help nmn po ako.. via gotyme pede po ba bayaran? Anong biller po hahanapin ako union bank of the philippines o union bank credit card????
Yes po. If may, UnionBank Credit Card, then this should be selected.
Hi sir bkt Wala Akong narecieve n 6 digit pin ko s visa credit card rewards ko paano ko magagamit un
Hi Palangga. Yung pin is for cash advance feature po, but you can still use your card padin for purchases without the PIN. If you also interested in Cash Advance feature and need assistance, I recommend reaching po sa CS nila. :)
@@johnpolgacuhi John, just to confirm, once activated na ang card thru app, kahit walang pin, you can tap it nalang for groceries? Sumasakit ulo ko kakaisip kung bakit walang pin eh. Di ko tuloy magamit yung card.
Yes po Palangga. You can use the card na po for purchases without the PIN. Yung PIN lang po kasi for credit card is for Cash Advance purposes. ;)
Kilan po kaya pwede magamit ang CA?
Hindi po kasi ako makapag CA kahit wala naman na ako babayaran
Hello Palangga. Base sa naging experience ng iba nating Palangga, after 1 year pa daw sya bago maging available.
kakadating lang po akin niyan, wala po ba ako babayaran pag di gagamitin.
Yes po - kung ano po magiging usages nyo po, yun po mag rereflect sa monthly statements nyo po.
Please note din po that card is subject for annual fees and other fees sa ibang transactions like cash advance, paydirect, etc. Monitor nyo lang po yung monthly statements nyo. :)
@@johnpolgacu maraming salamat po, kaso di ko po makita yung credit card ko sa unionbank app, nakaactivate na po sya .
Aww, try nyo po reinstall or reach out po sa cs nila ayaw padin mag reflect nung card
@@johnpolgacu Ahhh dapat pala makikita yung credit card sa union bank app?
Yes po. Ang alam ko dun din yung activation process ng physical card.
good am Po kakadating lang Po Ng ub cc q kahapon statement date q Po is every 17th of the month , nagamit q na Po sya ngayon kailan Po kaya first payment q
Hello po. If every 17th yung statement date nyo, yung current billing cycle nyo po started last Aug18 - Sep17. So lahat po ng usages nyo with this cycle will reflect sa 1st SOA nyo this Sep 17. Normally due date po is 15 days after statement date, so possible due date nun is Nov 02. Pero much better to pay once na receive nyo na bill on your statement date to avoid confusions.
Bali di Po Ako naka gamit Ng Aug 18 to Sept 17 Po , ngayon oct 10 q lang Po sya nagamit ask q lang Po ano Po kaya Ang possible Ng billing q Nyan Po , sorry Po aa 1st time q Po Kasi kaya naguguluhan Po Ako salamat Po sa pag sagot .
Oh sorry, October na pala. 😅
Same process lang din po, your ongoing cycle na po started Sep18 - Oct17. All usages will reflect sa Oct 17 SOA nyo po and due date is 15 days after, so possible around Nov 02. Same goes for the next monthly billing cycles.
Hello po pwede mag tanong sana masagot ang tanong koo..
Paano kpag naspend ko 13k s credit limit koo bbyran kuna b sya in 1month n fully payment?
Hi Palangga! 😊 Honestly it is best to pay the full amount po. Pero in case na need nyong ipa installmenr, pwede nyo pong e covert sya into installment. Punta lang kayo sa App, tapos select nyo lang yung installment option. If you’re havings issues po, you may also reach out sa CS nila to assist you further. :)
Hi ask ko lang po i just received may cc today and may credit limit is 15k, may chance po ba na lumaki yung credit limit ko?
Hi Palangga. Yes po. You can request din po sa CS nila to increase your limit maybe after 1 year.
Mii ask ko lang d naman kailanga full balance bayaran every due date db ? Pede naman ung minimum payment due lang until its paid off ??? 😢
@cloeforbes11 NO!!! Don’t settle or make it habit paying only the minimum amount due. ALWAYS PAY YOUR CREDIT CARD BILL IN FULL AMOUNT for it to not incurred any interest fee/charges from banks!
@@rjylpzbltr Pero Mii kasi first time ko lang toh using a credit card if kailangan ko magspend ng 20k within 60 days for me not to have an annual fee for life d ko sya mababayaran ng buo, is it still okay to pay more than the minimum payment instead of paying it in full ? D po kasi ganun kadami pera ko 😅
@@rjylpzbltr pa request din po Sana ng video Mii sa kung Gano kalaki ung interest charges if d po nababayaran ng buo unh owing balance sa unionbank credit card visa platinum kasi ang Sabi po sakin is mababa lang po ung interest Pero d kopo sure.
@@cloeforbes11 3% ang patong ng interest n’yan, at mag-add ‘yang interest rate sa unpaid balance mo per day hanggang sa mabayaran mo in full.
@@rjylpzbltr ah okay po pasensya na first time ko lang po magkaron ng credit card Pero salamat po sa kaalaman ❤️
🎁 Get Your UB Rewards Card Here: apply.cc-pl.unionbankph.com/PLCC/StartApplication?media=6479956808&scode=DCMMSMALL1&DCMMSMALL1&MGM&DCMMSMALL1