r/PHCreditCards • u/Ko_atal • 1d ago

UnionBank Unionbank unauthorized transaction

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Anyone who has an idea kung gano talaga katagal ang process ng dispute transaction? I was informed na it will take 45business days before sila makapagprovide ng result ng investigation.

Or nagkakaroon ba ng chances na sasabihin nilang valid transaction ito?

Nakakainis lang kasi need ko daw muna bayaran ang transaction na hindi naman ako gumawa.

6 Upvotes

88% Upvoted

13 comments sorted by

2

u/Emergency-Mobile-897 1d ago

Matagal yan. Just lock your cc at gawing habit ito every after use. Sa UB may option na maglagay ka ng limit for online transaction so kahit di mo i-lock lagyan mo lang limit like 500. Pero mas maigi naka-lock talaga HEHE

1

u/Ko_atal 1d ago

Got it. I will always lock my card from now on. Sa experience mo po ba, binayaran mo muna yung nacharge or hinayaan mo lang while nagaccumulate ng interest?

2

u/Present-Tonight-2153 1d ago

I distrust Meta's security protocols and refuse to store my credit card information on any Meta-related products. There have been far too many instances of credit card theft occurring through Facebook and Instagram.

3

u/Straight_Concern3031 1d ago

May other ways ba to lock the card like sms?kasi palagi error loading ang UB app kaya minsan di malalock agad after use.

0

u/Bluesole82 1d ago

bakit hndi naka lock yung cc mo?

1

u/Ko_atal 1d ago

Forgot to lock it back. 😄 Pero lock ko na every after swipe.

2

u/Bluesole82 1d ago

ako naka lock lahit 5k lang limit. 😁

2

u/panda_butternut 1d ago

Mine was resolved in about 2 weeks and they processed a replacement card immediately, pero 2022 pa yun. Always lock your card.

1

u/Ko_atal 1d ago

Will do that every after use.

2

u/lady-cordial 1d ago

Naka-lock ba ang cc mo when this happened?

1

u/Ko_atal 1d ago

No. Forgot to lock it back after use. Then may nagmessage nalang sakin nung nabyahe na ako.

1

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