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Unionbak secured credit card balance?

Hi guys does anyone here have a same experience with unionbank secured credit card?
Ok so here's my story im a freelancer since 2009 and i have a regular stable income since 2010 and my bank was BPI for almost 5 years of being with them they never approved my credit card and as a freelancer i desperately need a credit card for emergency online payments.

So i searched and found out that unionbank offers secured credit card so i rushed and applied then was approved, 80% of my time deposit balance was my credit limit.

2015 when i had a difficulty with my small business and was forced to close and decided to pay my other personal debt first before settling my unionbank secured card, after all im not worried cause its a secured card.

When i was about to settle my balance on unionbank it was too late, yes they gave me enough time to settle it but with my situation that time it was hard for me and ayon nga nag close ang account ko so syempre kukunin na ng banko ang time deposit ko (which is super nanghinayang ako)

then heto na after few weeks an agent from unionbank called me telling me na may balance akong 6K? like hello pano ako magkakabalance eh in the first place time deposit un, at 80% lang ng total deposit ko ang credit limit ko so nagtaka ako at sinabi kong anong system meron kayo? 90's system na di marunong mag calculate ano papayag kayong malugi at di macacalculate ng system ninyo kung magkano lang ang dapat na makuha ko sa card ko ni wala nga akong cash advance kasi hindi pwede and isa pa bakit hindi man lang sinabi sakin na may balance ako the time na ipinaalam sakin na kukunin na ang pera na naka time deposit, why?

so yeah still she insisted na kesyo ganito daw ganon so para wala na ding gulo isesettle ko na lang sana kasi halos araw araw ako tinatawagan at kinukulit 6k din un e malaking bagay sakin that time, nagdadalawang isip ako if bayaran ko ang unionbank or just pay other debts so tumagal ng a month mahigit, nong tumawag ako para isettle kasi ayoko mag ka record which i dont even know if pag secured credit card ka magkakabad record ka sa other banks? pero para lang matapos na nagulat ako kasi tumubo na ang utang ko edi lalo ako nahirapan ngayon....

kaya pinabayaan ko na pero heto lang nong last month nagstart lang halos araw araw nanaman ako kinukulit pero this time from a collection firm na tinatakot pa ako na kesyo makukulong daw ako blah blah kasi need ko daw isettle ang balance kung umabot na ng P99,981.42 nasa akin pa nga ang text grabeh hindi talaga ako makapaniwala at lalo ako nanlumo..

guys pa advise naman what to do?
  1. also di na ba ako makakpag apply ng credit card sa ibang bank dahil dito sa nangyari sa unionbank ko?
  2. then tama bang magkabalance ako e automated system yon hindi nacalculate ng maayos?
  3. what to do with this collection na nananakot nakaka irita na e


thank you po sa sasagot

Comments

  • raphael09raphael09 Member ✭✭✭
    btcsensei wrote: »
    Hi guys does anyone here have a same experience with unionbank secured credit card?
    Ok so here's my story im a freelancer since 2009 and i have a regular stable income since 2010 and my bank was BPI for almost 5 years of being with them they never approved my credit card and as a freelancer i desperately need a credit card for emergency online payments.

    So i searched and found out that unionbank offers secured credit card so i rushed and applied then was approved, 80% of my time deposit balance was my credit limit.

    2015 when i had a difficulty with my small business and was forced to close and decided to pay my other personal debt first before settling my unionbank secured card, after all im not worried cause its a secured card.

    When i was about to settle my balance on unionbank it was too late, yes they gave me enough time to settle it but with my situation that time it was hard for me and ayon nga nag close ang account ko so syempre kukunin na ng banko ang time deposit ko (which is super nanghinayang ako)

    then heto na after few weeks an agent from unionbank called me telling me na may balance akong 6K? like hello pano ako magkakabalance eh in the first place time deposit un, at 80% lang ng total deposit ko ang credit limit ko so nagtaka ako at sinabi kong anong system meron kayo? 90's system na di marunong mag calculate ano papayag kayong malugi at di macacalculate ng system ninyo kung magkano lang ang dapat na makuha ko sa card ko ni wala nga akong cash advance kasi hindi pwede and isa pa bakit hindi man lang sinabi sakin na may balance ako the time na ipinaalam sakin na kukunin na ang pera na naka time deposit, why?

    so yeah still she insisted na kesyo ganito daw ganon so para wala na ding gulo isesettle ko na lang sana kasi halos araw araw ako tinatawagan at kinukulit 6k din un e malaking bagay sakin that time, nagdadalawang isip ako if bayaran ko ang unionbank or just pay other debts so tumagal ng a month mahigit, nong tumawag ako para isettle kasi ayoko mag ka record which i dont even know if pag secured credit card ka magkakabad record ka sa other banks? pero para lang matapos na nagulat ako kasi tumubo na ang utang ko edi lalo ako nahirapan ngayon....

    kaya pinabayaan ko na pero heto lang nong last month nagstart lang halos araw araw nanaman ako kinukulit pero this time from a collection firm na tinatakot pa ako na kesyo makukulong daw ako blah blah kasi need ko daw isettle ang balance kung umabot na ng P99,981.42 nasa akin pa nga ang text grabeh hindi talaga ako makapaniwala at lalo ako nanlumo..

    guys pa advise naman what to do?
    1. also di na ba ako makakpag apply ng credit card sa ibang bank dahil dito sa nangyari sa unionbank ko?
    2. then tama bang magkabalance ako e automated system yon hindi nacalculate ng maayos?
    3. what to do with this collection na nananakot nakaka irita na e


    thank you po sa sasagot

    I'm not sure kung magkano ang hold out deposit mo sa Unionbank, pero dapat dun nila yun kukunin sa deposit mo kapag di mo nabayaran yung card balance mo. I'm not sure kung ano process ng Unionbank pero sa BPI kapag kumuha ka ng secured credit card, may deed of assignment na pinipirmahan.

    Kung meron ka rin na ganun, basahin mo mabuti ang details. Kung tingin mo na sila ang may mali, makipag coordinate ka sa branch kung san mo inopen yung secured credit card pati na rin sa customer service. Kapag walang nangyari at hawak mo ang deed of assignment, pwede ka siguro mag complain sa BSP.

    About naman sa collections, hanapin mo dito *** thread na ang title eh "may nakukulong ba sa utang sa credit card" at marami ka ring matututunan doon :)
  • SoulExchangeSoulExchange 青春フールパワー ✭✭✭
  • btcsenseibtcsensei Member PExer
    im not sure about the deed of assignment pero alam ko may pinirmahan kinuha nila *** buong time deposit ko hindi n nga ako pumalag tapos nagkaron pa ako ng balance nakakaloko dba? eh may balance pala ako bat di nila sinabi nong una pa lang anyway bakit naman hahayaan ng system nila na lalampas ako sa credit limit ko and to think ang credit limit ko is 80% lang ng total time deposit ko so parang may kakaiba..

    PS: bat ganito sa pinoyexchange laging nag lolog out

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