UnionBank Credit Card: Minimum Amount Due 🆚️ Total Amount Due | Beginners Guide

[@johnpolgacu]

🎁 Get Your UB Rewards Card Here: apply.cc-pl.unionbankph.com/PLCC/StartApplication?media=6479956808&scode=DCMMSMALL1&DCMMSMALL1&MGM&DCMMSMALL1

[@airaserrano9129]

very informative. thank you for sharing . first time user of cc here 😊

[@johnpolgacu]

Thank you sa feedback Palangga. 🫶✨

[@paulusclaudiusmaximus4912]

Hello po. Thanks for your content its very informative. Request lang po explain yung convert to installment. Thanks.

[@johnpolgacu]

Thank you for recommendation. Sige po gawan ko po ito ng video very soon.

[@JohnFaustinSales]

Hello Sir Good Morning, puwede po ba na gawin ko 2k instead of 500 na minimum due hanggat dko pa kaya ifull? Thanks po

[@johnpolgacu]

Hello po. Opo, pwede naman po. There will be interest ka nga lang madagdag on your next statement depende sa magiging remaining balance. :)

[@margaretteramirez1157]

Hello sir, paano po if nagamit mo ang CC for withdrawal? Then nag reflect na siya sa Statement, pero sa list of purchase wala, iko-convert ko po sana siya into installments.

[@johnpolgacu]

Hello po. You can try to reach out and request po kay UB ng EasyBill option to turn your statement balance to installment.

[@beverlyespadero]

Hi anu pwede gawen kapag nadecline card due to late payment

[@johnpolgacu]

Hello. Sa case nyo po, our best option na po is to resch out sa CS nila para ma double check po nila yung status ng account nyo and for assistance nadin kung paano ma fix.

[@ArnelCalado]

Hi po sa ub reward platinum nagbayad ako ginamit ko no.sa harap ng credit card ko pero po hindi po nagreflect po

[@johnpolgacu]

Hello. If you used other payment processor po like Gcash or Maya, usually it takes 3-5 business days po bago sya mag post.

[@susanahannellenarez6108]

Boss papanu po baydan ang union bank cc try online Salamat po

[@johnpolgacu]

If may savings account po kayo kay UB, you pay it po directly sa UB app. If none, you can use Gcash or Maya to PayBills po. Just search Union Bank Credit Card sa Biller.

[@nelacetv8963]

Kung magkano lang po ba makukuha sa credit limit yan lang din po ba mabayaran ex. Po miron akong credit limit is 20k tapos nakuha ko lang 2k

[@johnpolgacu]

Yes po. Yung lang po yung lalabas sa monthly bills nyo. Extra charges will be added kapag di sya nabayaran on or before due date, or kapag may other transactions aside from normal spending like cash advance or credit to cash.

[@nelacetv8963]

@@johnpolgacu sumubra Po ako sa pag bayad tapos naka negative Siya sa outstanding balance tapos nadagdag Siya sa available credit limit ok lang Po ba to

[@johnpolgacu]

yes po. Okay lang po. Magiging overpayment sya na madeduct naman on your next bill.

[@nelacetv8963]

​@@johnpolgacuSir last question po pasok kaya ang NAF kapag dahandahan ma spend ung 20k tapos nababayaran mo din kahit wala pa 60days

[@nelacetv8963]

​@@johnpolgacuLast question Po pasok kaya ung NAF kapag dahan dahan ma spend ung 20k tapos nabayaran mo din kahit Wala pang 60 days

[@valerieponaya8145]

Panu po ba maging active ung convert to installment.. Naka blurd pa kc ung skn.. My soa na din aq..

[@johnpolgacu]

Hello po. In your case, I recommend reaching out po sa CS nila to see possible options po sa end nila.

[@neiltizon9311]

Yan ba Yung pwede convert to cash sa ATM machine

[@johnpolgacu]

Hi Palangga. You mean cash advance feature po? Yes po, but I guess you need to reach out po sa CS Nila to get assistance for cash advance pin po.

[@angelicagaboc2592]

ano po ba ibig sabihin ng outstanding balance ?

[@johnpolgacu]

Yun po yung naging total spending/usages nyo po sa card nyo na dapat mabayaran.

[@tiktokniidol4368]

Boss yung statement balance ko na convert kuna siya sa easy bill installment at approved nadin. Need kupa ba bayaran yung statement balance, kahit na convert kuna siya sa installment via easy bill ?

[@tiktokniidol4368]

Pa reply boss

[@johnpolgacu]

Hello po. If converted na po sya, dapat magbabago na po yung required amount ng statement nyo po base po sa naging result ng conversion. If di po nag rereflect yung changes, it is best po to reach out sa CS po para ma double check po sa end nila.

[@tiktokniidol4368]

@@johnpolgacu boss yung statement ko ganun parin, pero converted napo siya into easy bill. How to reach cs boss ,

[@tiktokniidol4368]

Boss pahingi messenger mo boss, salamat

[@johnpolgacu]

Hello po. Ito po contact number nila: ([phone]. For more contact info po ni ub, visit nyo lang po official website po nila: www.unionbankph.com/contact-us/directory

[@meriamayen28]

ask lang po . nagtataka po kase ako sa last statement balance ko laging may nakalagay na amount. pero every month po nagbbyad ako ng full kaso sa amount due ko sya nabbyran kase akala ko sa amount due don lalabas lahat ng magiging payment . may magiging problem po ba don kahit full payment ko naman po ? sana po masagat salamat po

[@johnpolgacu]

Hello po. Okay naman po yun, possible advance payment sya. Pero as long as nababayaran sya before due date and no past due balances, safe naman. Yun nga lang nakakalito nga lang yung ganyang process, kaya for me it is best to wait for the actual statement bafore making payments para isahan. :)

[@meriamayen28]

@@johnpolgacusalamat po

[@meriamayen28]

@@johnpolgacupero every end of the month po kase ako nagbbyad ng full . then gagamitin ko din sya . 😊 habol ko lang din kase sana yung reward points

[@johnpolgacu]

I see. You’re welcome po.

[@maureencacho522]

Hi sir, pano po ba malalaman Kung activated na po Yung virtual & credit card

[@johnpolgacu]

Hello po. They should send you a notification po na activated na sya. Or if listed na po sya dun sa Union Bank app nyo po.

[@princesstabares9539]

Sir ​@@johnpolgacupag activate na po Ang cc card pde na ba mag swipe

[@johnpolgacu]

Yes po :)

[@jimpim0627]

Hello po ano po yung easybill sir ..

[@johnpolgacu]

Installment offer po sya from UB na pwede pong ma convert yung outstanding billl nyo po to installments. :)

[@dannybhabes6415]

Hello po ask kulang kakadating lng UB credit Card ko so inactivate ko agad ung card dun sa app , May bbyran po ba akong anual fee khit dko pa to gamitin?

[@johnpolgacu]

Hello Palangga. Hindi po agad sya mag rereflect, pero kung may annual fee yung card nyo, it will reflect in the future. Base sa experience ko with my other credit card, nagrereflect yung annual fee sa statement tuwing mag a anniversary yung card ko.

[@dannybhabes6415]

@johnpolgacu salamat po sa pag sagot

[@johnpolgacu]

You’re welcome Palangga

[@amithyjanebermudez3091]

Pasok ba sa 20K yung online transaction? For example mag pay ako ng bills thru online? Credit ba yun para sa 20K para ma waived ang no annual fee for life?

[@johnpolgacu]

Yes po.

[@hazellumandas3314]

maybayad po ba mag pa cancel or terminate ng ub cc? plan ko ksi pa cancel yun sken.

[@johnpolgacu]

Hello po. I guess wala po. For accurate info, kindly reach out nalang din po sa CS nila. :)

[@ReyjenPanilagao]

Hello po, ask lang po ako if nag purchase po ako worth 17k sa card ko di pa na view ang points ko 😢

[@johnpolgacu]

Hello po. Base po sa experience ko, normally it takes days like 3-5 business days bago mag appear yung points.

[@jepanie9613]

Hello po! Ask ko lang po if pwede i-pay 'yong total balance for 2 cut offs like what I'm doing right now with my BPI credit card? As long as within the due date po. Example po based from mt BPI card, may SOA ako from my expenses between September 15 to October 15. Then my payment/s were on October 15 and 30, half ng total balance each date. Same case rin po ba 'to with UB without charges? Or do I have to pay it in full na po agad before the due date to avoid charges? Thank you po!

[@johnpolgacu]

Hello po - sorry for late response. Yes po, pwede po. As long as within or before due date ma complete yung total amount, safe naman po yun. :)

[@ashgrayceronpersonalvloh3078]

Pano po bayaran ung intallment na easycasbill jntallment

[@johnpolgacu]

Hello. As far as I know, monthly po sya madadagdag sa mga regular monthly statements/SOA natin. For accurate info, kindly reach out nalang din po sa CS nila.

[@faelaadventure2364]

Hi po if nagamit ko na yung 20k within 60 days but by installment yung pag pay qualify po pa rin ba for NAFFL?

[@johnpolgacu]

Hello po. Mejo magulo yung promo nila kasi sa terms and conditions hindi daw kasama yung ibang installment. Pero sabi naman agent nakakausap ko sa kanila, yung posted amount lang daw ma ka count. Check nyo nalang din po itong terms nila: www.unionbankph.com/cards/credit-card/discounts-and-promos?id=870

[@JohnRexDarasin]

Pasok ba sa 20k po ba if ung na spend is 19999.74??? D ko na kasi mabili ung .28 para ma waive ang no annual fee for life

[@johnpolgacu]

Hello po. Not sure lang po if ma ko consider nila. Mas safe padin talaga na exact 20K or more. For accurate info po, kindly reach out nalang din po sa CS nila.

[@rosalviedante8163]

Panu po ba magset ng pin sa card? Pls help po

[@johnpolgacu]

Hello Palangga. For cash advance pin po, I’ve heard na after 1 year pa sya magagamit. I also recommend reaching out din po sa CS nila for accurate info.

[@jadeg.9481]

thank u sir napakahelpful po 😊. Ask lng po ako baka my idea po kayo regarding sa naffl na 20k requirement, ok lng b if yung ibang portion is through cash advance? thank u po. God bless

[@jadeg.9481]

read through their terms at d po pala included yung cash advance

[@johnpolgacu]

Hello. Thank you sa feedback. ❤️✨ Opo, di po kasama yung cash advance. Mukhang traight purchases lang po yung eligible.

[@rheacaputolan]

hi po sir,ask ko lng po.need po ba ubusin sa isang transaction ang credit limit?

[@johnpolgacu]

Hindi naman po. Not necessarily required to use it, pero kung hinahabol nyo po yung required spending 20K within 60 days for NAFFL, then yes in the meantime.

[@rheacaputolan]

@@johnpolgacu ah oki cge po.pero ang payment po ba?with interest po?pano po ang pagbabayad?1time payment po ba?or installment?thank you

[@johnpolgacu]

Magkaka interest lang po sya kapag di nyo po nabayaran yung bill nyo po after due date. For installment naman po, depende po sya kung nag avail kayo ng installment sa merchant, so installment din yung mag rereflect na charge sa monthly soa nyo. Pwede din po kayo mag request sa bank to covert your bill/purchases to installment and I guess may interest sya. But then again, if straight purchases po magiging soending nyo, it will reflect the exact amount on your soa/bill nyo po on you statement date.

[@rheacaputolan]

@@johnpolgacu meaning po?if incase i spent 5k dis month,so 5k din yung babayaran ko sa due date?tama po ba?

[@johnpolgacu]

yes po :)

[@ednamae9772]

how to spend using the cc po?

[@johnpolgacu]

You mean paano gamitin ang credit card po? You can use it po to pay instore or with online purchases/spending. Just present your card to the cashier or use the card the details to pay for online transctions.

[@fingirl91]

hi john, ask ko lang po paano malaman kung waived na ba yung anual fee ko?

[@johnpolgacu]

Hello. 👋 Same, wala padin akong na rereceive na notification about No Annual Fee. As per my research sa website Nila: “The qualified Cardholder of a UnionBank Rewards card will receive an SMS confirmation of the No Annual Fee Welcome Gift within thirty (30) business days from meeting the spend requirement. “

[@asialajo]

My video po kayo about sa block account error Kase lumalabas saken PG Ina unblock ko Yung online ko

[@johnpolgacu]

Hello Palangga. Wala pa po, di ko yan na encounter. In your case po, I recommend reaching out po sa customer service po nila for proper assistance.

[@juliemarsallentes]

Pwede po ba sya for receiving money from abroad like quatar

[@johnpolgacu]

Hello. For fund transfer po? I guess no po. Since it is credit card, yung available credit limit lang po yung pwede nating magamit for spending and it can only receive payments to cover those spending.

[@GwenNabor]

Hi po,ask ko lng po kung alam nyo panu po magbayad ng easybill installment nila?

[@johnpolgacu]

Hello Palangga. Sorry di ko pa na experience mag installment eh. I guess same lang sya na mag rereflect sa monthly SOA and same process with regular SOA payments. For accurate info, kindly reach out nalang po sa CS nila for assistance.

[@GwenNabor]

@@johnpolgacu ok,thank u po

[@johnpolgacu]

you’re welcome po

[@maureencacho522]

Bakit po hinde po Magamit online transaction

[@johnpolgacu]

Hello. In your case po, I guess it is best to reach out na po sa CS Nila para ma double check po on their end yung reason nung declines.

[@deepol232]

Sir magkano maximum amount na pwede siya magreflect as installment? At magkano minimum amount na magrereflect as straight payment?

[@johnpolgacu]

Hello. For maximum amount, depende po sa credit limit. You can max out your credit limit for installment or straight purchases if necessary. Wala pong minimum amount for straight purchases. Kung ano po magiging amount ng spending nyo, yun po mag rereflect sa transactions.

[@khorinamarcial1311]

Panu po magiging no annual fee for life ? Pwede po ba installment yung 20k within 2 months?

[@johnpolgacu]

Hello. Not sure lang po pagdating sa installment. I guess dapat mga straight purchases/spending sya. For accurate info, please reach out nalang din po sa CS Nila.

[@gladystino7440]

​@@johnpolgacu until now wala padin po confirmation?

[@johnpolgacu]

Hello - opo, wala padin confirmation until now. 😢 Sabi nung last agent nakausap sa kanila, 60 business days daw.

[@jayjaybaybayan0207]

paano po kung -500 po nakalagay sa outstanding balance

[@johnpolgacu]

Hello that’s means overpayment or meron kayong advance payment. For accurate info, kindly double check din po sa mismong SOA or reach out sa CS nila for further assistance.

[@jayjaybaybayan0207]

@johnpolgacu paano po mag installment sa UB

[@johnpolgacu]

Pwede nyo po e direct kay merchant pag bumili kayo, tanong nyo sa cashier if pwede installement. If straight purchases naman sya na gusto nyo e convert to installment, by offer daw po kay UB. Watch nyo po itong recent video ko, I explained din about installments: kzbin.info/www/bejne/nnelgJKQdpqnbqMsi=pZ4U6WobVVZcS5Ow

[@kuyacjvlog]

may tanung po ako sana po matulungn nio po ako hindi kasi avaible yung cash advance pin sa ub reward visa platinum

[@kuyacjvlog]

sa apps mismo

[@johnpolgacu]

Hi Palangga. Yes po, I guess unavailable pa yung feature nila sa app at this time. In your case po, reach out lang po kayo sa CS nila for assistance.

[@kuyacjvlog]

@@johnpolgacu kasi nag chance number po ako relate kya po yun kya hindi available yung feature nilsa sa cash advance pin set up

[@johnpolgacu]

I see. Thanks for sharing this Palangga.

[@rizafrancisco8585]

hi po ask lang if applicable for new cardholders ang installment?

[@johnpolgacu]

Yes po Palangga :)

[@pearlsalas4960]

​@@johnpolgacuhello po why kaya sa apps ni ub walang installment na naklgay sa dashboard

[@johnpolgacu]

Hi Palangga. Saken meron naman. I guess may certian qualifications si UB to be egible converting to installment. In your case po, I recommend po reaching out to their CS po baka ma assist ka nila directly sa system nila. :)

[@wengthevlogger9400]

Pno kay

[@LunaZephyr]

@@pearlsalas4960if new pa ang card mo hindi pa talaga inoofer ang installment. Wait wait ka lang mga after 2mos or 3 iooffer din sayo.

[@EJCreatives28]

Hi pwede po ba ako mag request kay UB na about sa pag adjust ng statement date?

[@johnpolgacu]

Good question. Not sure lang po if may option sila, pero you can try reaching out po sa CS nila.