UnionBank Credit Card Blocked due to Unpaid Balance: Can It Be Reinstated?
Pasig City, Philippines – Marami ang nagtatanong kung may pag-asa pa ba na ma-reactivate o ma-reinstate ang isang “blocked” credit card from Union Bank Of The Philippines matapos ma-blocked due to unpaid balance.
Union bank credit card Blocked – Is it still possible to reinstate it?
Tanong ng isang user : “Last year naforward yung account ko sa collection agency, after just few months nabayaran ko naman at walang missed payments at nagkaroon dn ako ng certificate of full payment. Today after almost a year, lumitaw yung cc account ko sa bank app. Showing the same credit limit and all details, but card is blocked. Hindi rin magamit.”
Dagdag pa niya : “I called UB today and I was informed na irereview daw yung account for reinstatement pero for approval pa. 5-7 business days. They even asked me kung willing daw ako mag auto debit since may active savings acct naman ako sa kanila in case ma approve, and I said yes. Anyone here who had the same experience? May chance pa kaya mareactivate ang card?”
My temporarily blocked credit card experience.
Nagkaroon ako ng Gold credit card from Union Bank with a decent credit limit and after a year I was short in budget kaya na delayed talaga siya ng almost 3 months and temporarily blocked na talaga ang card.
Someone called me na nasa “collection agency” na raw ang account ko for settlement and I said na magbabayad ako in full next month. The agent offered me some options, para may movement raw ang account ko. Instead na magbayad ako next month why not to apply for payment reconstruction.
I said : “Paano po yun? magkakaroon ako ng monthly installment hanggang sa ma-full payment ko siya?”
Sabi ng agent : “Yes Sir.. ang maganda sa program na ito ay tatanggalin natin ang interest and penalties, babayaran niyo lang ng monthly for a year ang principal balance po ninyo.”
So I said okay, and after nun sinabi ng agent na next month is my first monthly amortization amounting P770+ for a year hanggang sa maubos na ang past due amount ng credit card ko kay Union Bank.
I paid P3k to P5k a month instead, until 5th or 6th month is na full payment ko na siya, hindi ko na inantay na matapos ang buong taon. I requested to lift or ma-reinstate ang blocked card ko but unfortunately after 24 hours ay declined.
Hanggang sa ngayon ay hindi ko na magamit ang gold credit card ko but it still shows sa mismong app. Showing my available full credit limit pero failed na ang mga transactions.
Malaking factor ata ang magandang credit score para sa approval ng re-activation ng credit card sa Union Bank. So try niyo lang to request reactivation lalo na’t bayad na kayo.
