Tips to Safeguard your Credit Card
Be cautious when receiving phone calls or card upgrade letters that are supposedly from UnionBank. Keep your credit card information private and never hand over your card to anyone. For assistance, please call 8418600.
Manage your important records
- Keep a confidential record of your credit card number.
- Keep a list of UnionBank's contact information at hand in case you have questions, disputes, or to report a lost or stolen card.
- If you are issued a PIN (Personal Identification Number), memorize it then immediately destroy the documents containing it. Never change your PIN to obvious combinations such as birthdays.
- Open billing statements promptly and collect your transaction receipts so you can match them against your monthly statement of account. Immediately report any unrecognizable or unaccountable charges within the designated time period stated in your statement of account.
Maintain your privacy
- Never share your credit card details or PIN to anyone.
- Notify UnionBank any changes in your contact details (residence address, email address, etc.) as soon as possible.
- Personally hand over your credit card and receive it from the cashier when making transactions.
Take precautionary measures
- Keep a constant eye on the card and the one handling it. Be aware of the “swipe and theft” scam using card skimmers. A skimmer is a machine that records the information from the magnetic stripe on a credit card to be downloaded onto a personal computer later. The card can be swiped on a skimmer by a dishonest person and that data can then be used to make duplicate copies of the credit card.
- Always check the amount on the transaction slip to make sure it is the actual amount of your purchase before you sign. Never sign a blank transaction slip.
- Secure your credit card at all times. If you cannot find your card, immediately call UnionBank to avoid being charged for fraudulent transactions.
- When surfing the net, check if the webpage has a padlock icon. This indicates that the website is secure.
- UnionBank will never call you to ask for your card or your account information. Should you receive such calls or letters, always contact UnionBank Customer Service at (02) 841-8600 for verification.
- Sign your new credit card as soon as you receive it from the bank.
- Never allow the use of your credit card as reference or as an identification card.
- If you have any concerns or problems with a collections agent, please report them immediately to UnionBank. Take note of the name of the collections agent whom you talked to, the name of the collections agency, and the date and time of call.
- Whether you pay through cash or card, there should be NO extra charge. Based on DTI’s Department Administrative Order No. 10, series of 2006, all establishments that accept credit card payments are strictly prohibited from imposing a surcharge, extra charge, or additional charge over the indicated price displayed on the price tag of the product or service.
- If the establishment accepts installment (0% interest or regular installment) as a mode of payment, this should be made known and available to you at all times.
- If your card is in good credit standing but the establishment refuses to accept your credit card payment, secure all the important details such as name of the establishment, date and time of visit and report to UnionBank by calling (02) 841-8600.