UnionBank credit cards

**GBStJames** · October 29th, 2009 02:50 PM

Unionbank sent me a credit card which I did not apply for. Naturally, I did not activate the card. And now I received a bill for the annual fee! May late payment at interest charge pa!

What is wrong with this bank?

How did they get my address and other details when I did not even apply to them and I do not have an account with them? Hmmm...Does this mean they can acces our other accounts?

Any ideas?...

**KERSMcRae** · October 29th, 2009 03:23 PM

Originally Posted by GBStJames

Unionbank sent me a credit card which I did not apply for.

^ when did that happen? just recently or a year/s back?

Naturally, I did not activate the card.

^some credit cards are pre-activated

And now I received a bill for the annual fee! May late payment at interest charge pa!

What is wrong with this bank?

:shocked:
^that's crazy..

How did they get my address and other details when I did not even apply to them and I do not have an account with them? Hmmm...Does this mean they can acces our other accounts?
Any ideas?...

^ Im not a believer of the so-called "confidential only" clause of several banks.

**tidus1203** · October 29th, 2009 03:28 PM

While its traditional for them to share info around. But definitely its BULL**** of them to give you a pre-activated card! Not only don't they have your permission, its also very dangerous!

**istan** · October 29th, 2009 03:50 PM

pwede mo yan pa-cancel. Just call em up, tell em, you didn't use the card. Cancel the card and remove the annual fee.
Ok na yan.

Although, yeah, corny yun Unionbank sa moves nila.

**KCboy** · December 11th, 2009 11:36 AM

you can call them to cancel, but they will waive the interest charges for that month, then magpapdala ulit sila ng interest charges for the next month. sobrang buysit ako sa unionbank sa ginagawa nila, we live busy lives, and they are relying on the fact that we won't call them so that the interest charges will accumulate. ako nga, wala me nakuhang card and yet nagpapapdala ng statement and bill their charges, A%#HOLES!!!!!

you have to call and emphasize and argue with before they will totally cancel and waive everything.

**CVT** · December 17th, 2009 09:50 AM

Ang labo nga niyang UnionBank. Para bang "kung makakalusot lang....."....

9100:thatsit:

**1D4LV** · December 17th, 2009 11:37 AM

nakow, nangyari din sa akin yan. pina cancel ko, and it took them around 6 months to reverse all charges.

**XTO** · December 17th, 2009 11:57 AM

Ako noon from HSBC naman, di ko in-activate, after a few months comes the billing at may charges na annual fee and interest

Tinawagan ko at amf! ako pa mag-e-explain? - eh busy ako sa tsikot

I-note and cancel daw nila - gud!

The following month, may bill na naman? at natural nag-accumulate na interest

Ayun, binigyan ko na ng maa-anghang na salita

"Wag n'yo ko isali sa mga style nyo ha? hindi ako nag-a-apply ng card sa inyo! bakit nyo ko padadalhan niyan? I don't use credit card because i prefer cash, gusto nyo i-demanda ko kayo?"

:bwahaha:

Eh di tumigil - Ayos!

**actor21** · December 17th, 2009 12:36 PM

ako naman RCBC Credit Card me late charges at annual fee agad hehehe..pag itinatawag ko sinasabi "sige sir i wave nalang natin ang late charges at annual fee, sayang naman kung di ninyo gagamitin".....mga style