UBP Union Bank Cards (Sinulid 3)

Strong7PowerStrong7Power Member PEx Moderator

Maligayang Pagdating sa Ikatlong Sinulid ng Talakayan 

sa BANK-CARDS ng

UNION BANK OF THE PHILIPPINES 

[BANGKO NG PAGKAKAISA NG PILIPINAS]


Welcome to the Third Discussion Thread of UNION BANK OF THE PHILIPPINES (UB, UBP) BANK-CARDS.

Wikang Filipino: Bangko ng Pagkakaisa ng Pilipinas (BPP)

Union Bank of the Philippines




UBP

«13456760

Comments

  • Strong7PowerStrong7Power Member PEx Moderator
    edited March 28

    Credit Card Lineup

    As of March 28, 2019

    Rewards, Travel, and Cashback Lineup


    Affinity Lineup


    Gas, Charity, and Lifestyle Lineup


    This post is incomplete. Detailed descriptions per lineup to follow
    Rewards Credit Cards
    Travel Credit Cards
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited March 29
    STARTING CREDIT LIMIT

    Platinum - 100,000.00
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    FAQ.

    Nakalaan na paskil.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited April 17
    If the bank/card issuer made a hard inquiry on your credit history report during the credit card application then, whether the application is declined or approved, 3 to 5 points were already knocked off of your FICO® Score. {Negative effect of "New Credit" on Credit Score} 

    If the application is approved, the credit account is opened, whether the credit card is activated or not, the newly approved credit card account "shortens" the length of your credit history since the new card account lowers the average age of all your credit accounts. {Negative effect of "Shortened" Length of Credit History on Credit Score}

    If the application is approved, the credit account is opened and now forms part of your total credit limit across all credit cards, whether the credit card is activated or not. The credit limit on the newly approved credit card may help lower the total credit-utilization-ratio across all credit cards and may help place it within the "prescribed" range. {Positive effect of "Low" Credit-Utilization-Ratio on Credit Score}

    If the card remains inactive (bank/card issuer may still charge you an annual fee but cannot force you to pay it since you didn't use the card at all) and you decide to cancel the card at a latter time for whatever reason, the cancelled card will decrease your total credit limit across all credit cards which in turn, may cause an increase in total credit-utilization-ratio across all your credit cards and place it above the "prescribed" range. {Negative effect of "High" Credit-Utilization-Ratio on Credit Score} 

    The cancelled card will also shorten the length of your credit history since the average age of all your credit cards will lower. {Negative effect of "Shortened" Length of Credit History on Credit Score}


    Entitled_Borrower (EWB CC S3 Page 27)

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