APPROVED and UNBOXING the UnionBank U Credit Card

[@pricyjoyteamfab-u-liza]

Hi sir Jax, new subscriber po. Just wanna ask, how long bago po madeliver ang physical credit card po? It's been 3 weeks already, pero di pa rin po na deliver, ang nkalagay sa status ng cc dun sa courier ay nabalik po sa sender.

[@JaxReyes_]

Call the bank na po baka may mali sa address niyo

[@KcLimpiado]

Hi po, ask ko lang po kung magkano po yung pwede na over limit? I have 20k cl, mga magkano po kaya pero ko ma avail na over limit? Thanks muchhhh

[@schrodingjer1308]

hello po, I just applied for the white one. ano po difference nila? aside from mastercard ung white and visa tong black?

[@JaxReyes_]

wala same lang po

[@esckaespino]

Just got approved po for U credit card and first time sa cc. Curious lang po sa Cash Advance, does it have pin po when you make a withdrawal?

[@JaxReyes_]

@@esckaespino yes po

[@esckaespino]

@@JaxReyes_ thank you po sa reply, additional lang po how and saan po nakukuha and pin?

[@esckaespino]

Got it na po. Sa UB app lang ^^.

[@Len-nh8fj]

​@@esckaespinohow po? Need to have physical card?

[@esckaespino]

@@Len-nh8fj yes po, activate muna yung card then nasa card settings

[@whiteggs]

Ano ang hiningi na dokumentos sa "proof of income" para mag-apply ng Unionbank U Credit Card?

[@barbacenajean3507]

Hello Jax, any tips on how do I increase my credit limit for Union Bank U CC bukod sa paying it on time? Thank you in advance✨

[@JaxReyes_]

@@barbacenajean3507 it takes time and your spending habit another way can be apply for CLI via app or hotline

[@Kate.Sangalang]

Jax, does the card look and feel premium?

[@JaxReyes_]

ok naman, still plastic siya since its a basic cad po

[@Mickeyyy0909]

LAVET! Meron din ako nyan. 🥰

[@justiiiiinej5595]

Hello po Sir Jax Reyes, good day to you, I have question lang po so I just received my Union Bank CC U Platinum today po, it was stated that my statement date is 17th of the month, how do I know po my due date on a monthly basis? The card is activated as well today but no purchases so far as of this moment.

[@JaxReyes_]

due date you can see yan sa soa na usually 20 days yan

[@marlodollente9840]

Hi, matic na po ba na no annua fee for life na po? Or may need pa pong spend requirement like yung reward card.

[@Ram-no6on]

Hi Jax, thank you for your insightful content. For Unionbank, would just like to ask if you recall if automatic na ba nag appear yung new credit card/virtual card sa app upon approval? or did you have to register the virtual card using the Card Reference Number? Many thanks!

[@JaxReyes_]

it should appear if approved po

[@franserquiver7579]

Hi Jax, pwedi bang mag apply mga seaman ng Union bank cc?

[@meganemads]

Hello po! I applied for this cc after watching your vlog po and super thankful na-approve khit 1st time cc holder lng ako and nadeny sa ibang banks. 🙏

[@JaxReyes_]

congrats po! use it wisely po a!

[@fritzgarcia8813]

how will you know if approved po application?

[@JanRafaelTanRRT]

Hello po Jax, pwede na po ba ako mag apply for U cc? Kaka recieve ko lang ng rewards cc ko . Thank you po

[@mintyyddeonu]

New subscriber of you po, been watching a lot of your videos these days and its been very helpful and I learned a lot, you are also very fun to watch. I will try to apply for this as my first CC.

[@JaxReyes_]

yey! glad naging helpful po!

[@Harubeekun]

looking for the best credit card 😅

[@savrenajoyrael8556]

hi po, it says it is successfully activated, but still not showing sa dashboard po young akin... does it takes time na makikita sa dashboard po ?

[@jangle4559]

Hi po Jax, question lng po regarding sa U Visa CC. what if po credit limit mo is 20k then bibili ka ng phone na nag ooffer ng UB CC installment pero yung phone worth 25k is it still ok po na na lumagpas ka sa credit limit po? Thank you.

[@priloveyou23]

Hi sir jax! Tanong ko lang po kung may installment charges po ba talaga na dagdag every month sa babayaran pag nag convert ka to installment kahit my intallment interest at installment principal ka nang binabayaran?Thank you so much

[@wamown3rd]

Hello Jax! Is it okay to follow up on my credit card application? I got their call and email from UnionBank Product Application last August 21 pa and sent the necessary documents they requested. What should I do now?

[@JaxReyes_]

Wait lang for them paminsan kasi matagal e depends per user talaga

[@wamown3rd]

@@JaxReyes_ thanks for the reply ❤️

[@darlenegarcia2352]

Hello po.ask ko lang po. What if po sa app unavailable po yung cash advance option? Ano po pwedeng gawin?

[@hellofromanother2486]

Hi Jax! Do you recommend PS Bank? Can you do a review din sa bank na 'to? Hope mabasa mo 'to. Naniniwala ako sa'yo. Pls

[@rachelolaguera9431]

Question po, ano po yung SAVINGS SPOTLIGHT sa billing statement na pinapadala ni Unionbank sa U VISA Credit Card? Thank you.

[@celtanan107]

Hi sir, ask ko lang po how do I get the pin, wala po kasing lumilitaw skin sa app kahit activated na ang cc. Thank you!

[@JaxReyes_]

Dapat meron po try to refresh ayaw pa rin?

[@jayrardwayzon]

1st timer po ng cc, just received my UB u cc today po, paano po gamitin ang cash advance limit? Or paano I activate?

[@JaxReyes_]

Withdraw via atm po yan but may fees yan a

[@jayrardwayzon]

​@@JaxReyes_ paano po Yung pin, wala naman po options sa ub online ko to set pin? May 50k CL limit ako, 25k cash advance, nag swipe ako ng 41k kagabi at may online transaction na rin ako gamit virtual card worth almost 1k so may limit pa ako, pero pinagtataka ko maroon ng 249pesos outstanding bal sa dashboard ng cc ko, ano po yun? Sory mahaba tanong ko

[@celsojr.escalante5381]

Good day sir. pwede b itong credit card n to for OFW ?

[@JaxReyes_]

dapay may PH address and PH ID po if OFW kayo

[@celsojr.escalante5381]

ok sir. slamat s infomation. try q mg aapply pg uwi q.

[@justincaballero8116]

Hello po. Kapag po ba idedeliver yung card tatawag si rider sayo? Kasi dapat today po idedeliver yung pysical card ko until now wala pa din ako narerecieve na txt or call galing kay rider but sa track parcel nakalagay parcel is being delivered na

[@JaxReyes_]

dapat tatawag or mag dodoorbell langsila

[@theroebuck123456789]

Please review the Wise card, I heard it's the best in terms if FOREX

[@JaxReyes_]

oh i have a tiktok post comparing po. rates are good but when you transact in foreign currency may % service fee sila po

[@theroebuck123456789]

@@JaxReyes_ I think Wise card is perfect for ATM withdrawals only and yung gcash is for taps

[@jhaypie]

Hello po sir jax . Pa help po nag redeem po ako last time cash credit po pinili ko then nakapag redeem po ako ng 600 po then nakalagay lang po is credit adjustmen ano po ibig sabihin non? 1st time user po ng CC . Thankyiu sana po masagot

[@JaxReyes_]

adjustment is yung credit sa bill mo

[@jinkytacaisan2592]

Hello po, ano po pwedeng pang first timer card. Yung U po ba or rewards? I'm looking for a credit card po sana na nag e-earn ng points and pwede ma convert to cash. Sana po masagot niyo. Thank you.

[@JaxReyes_]

both is ok, so if ever rewards kasi points earning siya

[@eldenyurag3427]

Hello po sir Jax,new subscriber po here.I have my UB visa platinum cc. I want to use it for the first time to purchase laptop, and I would to ask po if spending this 30K of laptop pwedi po siya for fisrt time use cc through installment.thanks po sir.

[@JaxReyes_]

depends yan sa store kung may installment offer sila. and also kay ub if you can convert it to installment po but pag bank converts it to installment may interest yun

[@mrcdptn]

Applied the other day, and got immediately approved. Hoping to receive the physical card soon. My first NAFFL card ❤ Checked the app and may annual fee charged and reversed na sa transactions. Is that normal po?

[@JaxReyes_]

yes po normal

[@peachysoh218]

Pwede pb magapply both rewards at u? Pero di pa iaactivate ung rewards ung U lng?

[@JaxReyes_]

Apply what you want to activate lang po. Wag apply ng marami if di gagamitin po pangit sa credit score Kasi if sabay sabay

[@peachysoh218]

@@JaxReyes_ ok po thanks po

[@issuesragnarokmobile1349]

Hi, pano po mag set ng pin?😊

[@christiner.paguia2115]

Hello how to use a easy bill payement in Unionbank to my latest statement bill?

[@crstneax]

omg, ang tagal ko nang nanunuod ng videos mo di pala naka subscribe 😱

[@JaxReyes_]

awww ty naman po sa support!

[@risktaker6459]

Kakaapply ko lng po now. Waiting daw ng 3days sa status. I hope mag approve po

[@JaxReyes_]

goodluck po!

[@louiesarmiento48]

Wow congrats po. I got also mine

[@JaxReyes_]

yey!!

[@louiesarmiento48]

@@JaxReyes_ yes po hehe and ang taas ng limit. ☺️

[@JaxReyes_]

@@louiesarmiento48 yey!!

[@isayramos]

Legit Po ba pag gingamit ung code ma approve ??

[@jherosete368]

​@@JaxReyes_ kaka approved ko lng po dito.. kailan po dadating ung physical card ko?

[@elainenombrefia9555]

Mag ask lng po sana aq ? Naapproved kasi aq kay unionbank u platinum ? Then upon delivery po .. hndi man lng nagcontact c rider skin and nagmessage sya sa akin is after 15days po .. pano ko po kaya mafollow up un kay unionbank ?😊

[@JaxReyes_]

hotline po yan if ever po

[@JethroPrudenciado-u3w]

Hello po itanong ko lang po may parang PayNow rin po ba ang BPI credit card po?

[@JaxReyes_]

no

[@raymarcsantiago6971]

Question po sir jax, pg ginmit po ito need ng pin? So ano po mgiging pin nito? Hehe 1st timer po sorry. Na approve n po ako and nsa akin n ung cc

[@NoWokeComedy]

Iseset nyo po yung PIN nya sa app

[@NoWokeComedy]

Pag ginamit online, walang pin ..need mo lang input cc number, name, expiration date at security code

[@hiyaitsdm5200]

What if carded na ng citi and UB rewards. Am I still eligible for naffl UB U? Thanks

[@truytayaba2415]

UB U is no annual fee credit card but it doesn't give points

[@JaxReyes_]

Yes pero its really a basic card a

[@leoangeloatorres]

@@JaxReyes_ is it same with the security bank wave po?

[@truytayaba2415]

@@leoangeloatorres wave MasterCard is different nman. It earns points if online transactions. UB U is like PNB ze-lo card

[@MarfeHernandez-fo5eq]

sir question na approved po ako dyan , and may txt narin po , kaso upon fill up po wala namang address na fillupan ,? san nila ibabase ung address na pag dedeliviran ng credit card ?? may account dn po ako sa union debit card namn ? madetect ba nila un ? upon applyng kasi , name at id lng then selfie pic hiningi , walang address na fillupan

[@JaxReyes_]

yung finillupan mong address, meron dapat yun po hindi pwedeng wala siya

[@jaysonlagarde]

me tutorial po ba how to set up pin for transactions with union bank credit card hindi kasi nalabas yung set up pin sa app

[@elainerosemacabales]

same concern po

[@christopherHernani]

Ignorant question lanh po.. pano ko magamit sa store kung wala pa ko physical card? meron na ko online banking app. Salamat idol sa lahat ginagawa mong content

[@JaxReyes_]

tap to pay lang po yan

[@RamilOdyROMDDiero-d5g]

Hi po kuya jax, kahit 19 years old po ako kase college student lg po ako kuya at walang income tax pwede din ako makaapply ng credit card sa unionbank po.

[@JaxReyes_]

no bawal 21 years old min

[@jay-annmagbanua7753]

Hi po, na approved na din ako last day sa Union bank U. Pag sa online po b kailangan pa b i activate ang virtual? Kasi nag try ako gamitin as payment online ayaw mag proceed pero na download ko na sya. Kailangan pa b antayin ang physical bago magamit ang virtual?

[@JaxReyes_]

dapat iactivate pa rin lahat ng card details nasa app din po if ever na activate na yung virtual card

[@jay-annmagbanua7753]

@@JaxReyes_ sige po. Akala ko kasi once na download na at nandon na sa dashboard okay na yun. Need pa pala i activate. Salamat po

[@jovanbaral5105]

Hi po! How to know if san makikita yung reference number ng cc? Wala po kaseng approval sa email and text. Thanks po.

[@JaxReyes_]

reference numebr ng application you mean?

[@lowkeygaming4716]

Bakit kaya ganon. I noticed na parang madami nang Platinum Visa now pero basic card lang. Parang panghatak nalang yung branding kasi yung perks di na pang platinum.

[@JaxReyes_]

oo its just really a tagging of the tier ni VISA yan

[@cococordero5071]

anu b pg kkiba ng u platinum at s rewards platinun n union credit cards?

[@JaxReyes_]

points earning si rewards po si U wala

[@cococordero5071]

@@JaxReyes_ thank you!

[@EdilbertoNerviol]

❤❤

[@JaxReyes_]

[@alyssamesa]

Hello po! Can i still activate my cc kahit 1 year na ang nakakalipas? medyo hesitant kase ako to activate it. btw, the card is bdo standard mastercard

[@JaxReyes_]

dapat pwede pa pag 1 year you can try po

[@alyssamesa]

@@JaxReyes_ thank you!

[@HeyMeega6969]

Di po ba mabblock isang card? Diba kaka apply niyo lang po sa Rewards VISA? Please verify po. TY po.

[@JaxReyes_]

bawal dalawang rewards or dalawang U pero pwede rewards + U

[@HeyMeega6969]

@@JaxReyes_ khit po short period of time interval ng application?

[@ezraguerrero7310]

What if dati pong Citi, once activated na po ba itong U, deactivated na yung Citi?

[@JaxReyes_]

yes po

[@whiteggs]

Kailangan ng "proof of income" para ma approve?

[@JaxReyes_]

yes dapat meron yan

[@marieji8988]

Nag apply ako online pero until name and id details lang ang hinigi. After that it routed na po sa page nga cc application has been submitted. Ganon dapat ba?

[@JaxReyes_]

intayin nalang if ever may need pa sila

[@marieji8988]

Also po, Naka receive ako ng text from UB na qualified for Rewards Plat Visa via direct link kaya nag fill out ako ng consent form no docs req, however, nag try din ako mag apply thru online website (first comment) since walang update but later on may email na denied. Denied po ba talaga? Bakit may text nga qualified? 😢 umasa ako

[@jaspearlrata4015]

Yung free annual fee for life po ba no minimum na igagastos muna bago i avail?

[@JaxReyes_]

walang annual fee tong card

[@leoangeloatorres]

sakin po sir complete pero di lang daw po serviceable ung lugar namen pero kasi di talaga sila nagtry or di man lang nila dineliver na lang sa malapit na branch. more than 30 days na rin po di pa rin nila madeliver.

[@JaxReyes_]

you have to call UB to inform them on that

[@j.g7059]

Hello po, paano po kaya kung wala naman po sa choices yung kind of work. halimbawa po ako, caregiver pero wala po dun, then need po lagyan yun to proceed. Doctor na po yung pinaka malapit about sa health. E hindi naman po ako doctor, pano po kaya gagawin dito? Salamat po.

[@JaxReyes_]

should be may others? if not the closest

[@j.g7059]

wala pong others, nakailang check na din po ako. And doctors na po yung nakalagay kung related sa health. Medyo malayo na po sa caregiver.

[@katobuyas]

Grabe ang tagal nilang mag deliver ng physical cards..

[@kzppop]

Sinabi mu pa. Haha

[@chienapatricio3082]

magkano kaya credit limit kapag 1st time cc holder ng ub

[@JaxReyes_]

depende yan per person case to case yan

[@leviangeloFermil]

pwede po b yan for installment

[@JaxReyes_]

pwede basta may offer

[@NoWokeComedy]

Hi Jax, I'm new to this credit card thing.. what do you mean by "basta may offer?"

[@ejg.5011]

Walang ibang perks to kundi naffl lang?

[@JaxReyes_]

yes wala talaga its a basic card

[@garbieallanbautista5443]

Sir pag naaprove gano katagal dumating ang cc??

[@JaxReyes_]

mga 1 week or 2 weeks

[@ekasib03]

pano po makkita sa app kung separate ang limit? pag tumatawag ako sa cs iba iba sagot nila minsa separate minsan combined .. since I got approved withU platinum , rewards platinum and gold.. same CL but iba ang CA. D din naman nagging same ang balance like sa nababasa ko ibang comments sa kkb

[@JaxReyes_]

nasa app makikita mo yung credit limit, iba siya usually sa amount ng ibang cards mo

[@JaxReyes_]

I can only comment po based on mine kasi yung akin po iba siya sa CL ng ibang cards po talaga

[@clarisapelisco2265]

Is it counted if I paid the credit and Hindi pa umabot ng 20k?

[@clarisapelisco2265]

Or do I need to make it 20k first before I pay?

[@JaxReyes_]

@@clarisapelisco2265 no..spend talaga siya

[@clarisapelisco2265]

@@JaxReyes_ so make it 20k first before I pay?

[@chonasytiao3538]

does that have an access in pagss airport lounge? Ung UB platinum rewards ko kc, formerly Citi, wala access huhu 😥

[@JaxReyes_]

Wala

[@PHfoodcrawl]

Shared credit limit po ba?

[@JaxReyes_]

@@PHfoodcrawl separate po

[@ephraimdexterfeliciano5159]

What if hindi na gagamit ang CC dahil mataas ang forex 😂 base kasi kao abroad hindi masasara?

[@JaxReyes_]

pag super tagal na di ginagamit pwedeng masara

[@ephraimdexterfeliciano5159]

@@JaxReyes_ nako every 2 yrs pa man din ako umuwi pinas

[@ChelleCano]

anong courier po ang mg deliver?

[@JaxReyes_]

iba iba yan e depende per location usually LBC

[@ezraguerrero7310]

Yung sakin GO21 po. QC area.

[@graceevo3107]

Ilan days po nadeliver?

[@JaxReyes_]

mga 10 po

[@rapdn7279]

Hi po pahelp namn.. pwede bang hindinko na iactivate ang narecieved na credit card? Magbabayd pa din ba ako.. gusto isuli sana .. ang inaplayan ko kasi is walang annual fee pero dumating iba.. thru agent ako nag aplay..

[@JaxReyes_]

@@rapdn7279 you need to call the bank for that po. Kasi hindi yan pwedeng isoli lang

[@louiejohnseno7159]

ilan na CC mo jax? AHAHAHA should i just count your total videos

[@JaxReyes_]

@@louiejohnseno7159 hahhahah marami na kasi gusto ko based on experience ang vlogs po

[@robertdavealdana9719]

pano po pataasin ang credit limit😊

[@sancosam]

Lagi mong gamitin pang grocery or sa mga resto or pambayad ng bills plus on time payment. Nag increased sakin ng 12k

[@michellecaraan4214]

Wow

[@JaxReyes_]

[@jaspherdalizon1193]

Credit limit?

[@JaxReyes_]

depende per person yan

[@janicemanlapaz2531]

How much po cash advance sa u visa po?

[@JaxReyes_]

usually 50%

[@janicemanlapaz2531]

@@JaxReyes_ thank you

[@RamilOdyROMDDiero-d5g]

Hi po kuya jax, kahit 19 years old po ako kase college student lg po ako kuya at walang income tax pwede din ako makaapply ng credit card sa unionbank po.

[@JaxReyes_]

hidni pa po pwede 21 years old min. po