What cardholders say
Posts from cardholders, reviewed before they show, and the complaints people raise most, grouped by topic.
From cardholders
Individual accounts, read by us before they appear but not checked with the bank. They never change a card's score. Share yours: no names or numbers, and any screenshot stays private.
Wanted: what your Redeem screen shows on UnionBank Reserve, Miles+ (Signature, World, Platinum), UnionBank Classic, Gold, Platinum or Grab, and AUB Classic, Gold or Platinum. Choose Rewards as the topic, then post the points it takes and what you get, e.g. 18,750 points for 1,250 PAL miles.
No cardholder posts yet.
Complaints, grouped
Complaints cardholders raise in public, grouped by topic, with what people do about them. This is a reading of public posts, not a survey.
Annual fee waivers that get harder or get refused
Waivers are by request, not a right. Cardholders at one bank say the waiver options shrank from four to two (spend about ₱40,000 within 60 days, or enroll bills) and that some were refused even after a large purchase. A Gold cardholder of 12 years cancelled over the same issue. Others reply that a waiver is a request, not a guarantee.
What people do about it: Call before the fee posts or right after, and ask what the spend option is before you spend. Ask for a reversal in the app chat too; one Platinum holder got it the same day. If you refuse the offer, downgrade to a no-fee card instead of cancelling.
Rewards and lounge perks cut without notice
Cardholders report bonus conversions to airline miles cut with little or no notice, sometimes put on hold the same day and announced again weeks later at a lower rate. Others report rewards and lounge access cut too.
What people do about it: Redeem points before you need them, not after. Screenshot the rewards page when you apply. Check the bank's current conversion table before you transfer.
Promo terms that change or hide a cost
A support agent quoted a ₱20,000 minimum spend for a no-annual-fee promo whose invitation SMS said any amount. And 0% installments often carry the interest in the item price and may earn no points.
What people do about it: Screenshot the invitation SMS or email and the promo terms the day you apply. Compare the 0% installment price with the cash price, and read whether installments earn rewards.
Nonstop reminder and collection calls
Cardholders who always pay on time get many calls a day, days or weeks before the due date. One person abroad was called at 3am to 6am even after filing a travel advisory. Several cardholders say the calls come from a third-party agency.
What people do about it: Ask for No Need To Remind (NNTR) through the bank's app chat. Some report it stops the calls; others say the calls return after a few months or that the bank refused. A written complaint to the BSP and NTC with screenshots worked for one cardholder.
Fraud and disputes that go against the cardholder
Unauthorized charges that the bank ruled legitimate, charges that continued after a stolen card was reported, a deposit set off for a card the person never owned, and long investigations.
What people do about it: Lock the card in the app, then call the hotline and note the agent's name, time and reference number. Keep screenshots of alerts. If the bank declines in writing, a complaint to the BSP is the next step cardholders report using.
Credit limit cuts
Lower limits for people who pay on time. One commenter described a drop from ₱90,000 to ₱9,000. Another cardholder had a limit cut from ₱147,000 to ₱94,000 after paying the minimum for one month, and had it raised to ₱194,000 after paying in full.
What people do about it: Pay in full and keep utilization low. Ask the bank for a limit review after a few clean months.
Customer service and app problems
Calls dropped mid-conversation and agents who could not explain a hold on an account. Cardholders also report online transactions that stayed blocked after a bank's card-control update until support cleared them manually.
What people do about it: Use the app chat so you have a written record. Ask for a ticket number. Escalate to the bank's complaints desk, then the BSP, if a case stalls.