How UnionBank Handles Lost or Damaged Credit Cards
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How UnionBank Handles Lost or Damaged Credit Cards
If your UnionBank Credit Card gets lost or damaged, don’t panic — call UnionBank Customer Service immediately to block the card and request a replacement. The bank will deactivate your old card to prevent fraud and issue a new one within a few business days. Keep your details updated and always check your transactions while waiting for the replacement.
Introduction: Losing a Credit Card Can Happen to Anyone
You’re about to pay for dinner or book a flight, then you realize — your UnionBank credit card is missing. Nakaka-stress, di ba? But don’t worry. Losing or damaging your card is something that happens to thousands of cardholders every year, and UnionBank has a clear and secure process to protect you.
For first-time credit card users, understanding what to do next is crucial. This article will guide you through how UnionBank handles lost or damaged cards, how to request a replacement, and how to stay safe from unauthorized use.
What To Do If Your UnionBank Credit Card Is Lost
Losing your credit card can feel scary — but the key is to act fast. The sooner you report it, the better your protection from possible fraud.
Tell them your card is lost or stolen. The representative will:
Block your card immediately to prevent further use
Verify your identity (expect a few security questions)
Start the process of issuing a replacement card
💡 Tip: Save UnionBank’s hotline number in your phone now, so you can easily call if it ever happens again.
What To Do If Your UnionBank Credit Card Is Damaged
Maybe your card isn’t lost — just worn out, cracked, or demagnetized. You’ll notice this when:
The card no longer swipes or taps.
The chip or magnetic stripe is unreadable.
The card number or name is faded.
In this case, you can request a card replacement instead of blocking the card.
How to Request a Replacement for a Damaged Card
You can do this through:
UnionBank Customer Hotline (same numbers above), or
UnionBank Branch Visit
Prepare the following details:
Full name and last 4 digits of your card number
Reason for replacement (“card damaged” or “chip unreadable”)
Valid ID
UnionBank will cancel your old card and send a new one with the same account number (depending on card type).
How Long Does It Take to Get a Replacement Card?
Once you report your lost or damaged card, UnionBank usually issues a replacement within 5 to 10 working days for Metro Manila, or up to 2 weeks for provincial delivery.
You’ll receive:
A new card with a different number (if the old one was lost/stolen)
A PIN mailer or digital PIN reset option
Updated card activation instructions
Make sure to activate your new card immediately once received.
What Happens to Pending or Automatic Payments?
If you had ongoing installments or automatic bills, such as:
Netflix or Spotify subscriptions
Insurance payments
Mobile postpaid plans
👉 You’ll need to update your new card number with those merchants once your replacement arrives.
This ensures that your payments continue smoothly and no bills are missed.
Fees for Lost or Damaged Card Replacement
UnionBank typically charges a card replacement fee, usually around ₱400–₱500. However, this can vary depending on your card type and the reason for replacement.
đź’ˇ Pro Tip: If your card was stolen or compromised, this fee may be waived, especially for fraud-related cases.
Always ask the customer service representative if your replacement qualifies for a fee waiver.
Monitoring for Unauthorized Transactions
After reporting a lost card, it’s smart to keep an eye on your recent transactions — either through the UnionBank mobile app or your billing statement.
If you notice any suspicious transactions after losing your card, dispute them immediately by calling the same hotline.
UnionBank’s fraud team can reverse unauthorized charges once verified.
Using the Credit Card Cost Calculator
Whether you’re waiting for a replacement or checking your remaining balance, it’s useful to understand how interest and payments work — especially if you missed a payment while waiting for your new card.
Calculate how much you’ll pay if you miss a due date
See how much you save by paying the full amount
It’s a simple way to manage your credit card costs and stay in control even after card issues like loss or damage.
Tips to Prevent Losing or Damaging Your Card
1. Store Your Card Properly
Avoid keeping your card near your phone, coins, or magnetic objects — these can damage the chip or stripe.
2. Don’t Lend Your Card
Even if you trust the person, lending your card can lead to misplaced or forgotten use.
3. Use a Card Holder or Wallet Compartment
It protects the card from bending and scratches.
4. Enable Transaction Alerts
In the UnionBank app, turn on SMS or email alerts to instantly see every transaction.
5. Memorize the Hotline
If your card gets lost, you can quickly call without searching for the number online.
What UnionBank Does to Protect You
UnionBank takes several steps to keep your account safe during a lost or damaged card incident:
✅ Immediate Card Blocking – Prevents any further use once reported. ✅ Fraud Monitoring System – Detects unusual transactions and alerts you. ✅ EMV Chip Technology – Adds extra encryption to prevent skimming or cloning. ✅ One-Time PIN (OTP) Security – Ensures that only you can approve transactions online.
These systems work together so that even if your card gets lost, your account remains protected.
What To Do While Waiting for Your New Card
While waiting for your replacement:
Continue paying your dues as scheduled. You can use online banking or over-the-counter payments.
Check your UnionBank app regularly for updates.
Do not share your temporary account info with anyone pretending to “help” reactivate your card.
Once your new card arrives, activate it right away and update your saved card info in your favorite online stores or subscriptions.
Summary
Losing or damaging your UnionBank credit card isn’t the end of the world. Here’s what you should remember:
Call UnionBank immediately to block or report your card.
Request a replacement card via hotline or branch.
Monitor your account for any unauthorized transactions.
Update your auto-payments once the new card arrives.
Use the Credit Card Cost Calculator to stay on top of your card costs.
By knowing what to do and acting fast, you can protect your finances and enjoy a worry-free credit card experience.
FAQs: UnionBank Lost or Damaged Credit Card
1. How much does UnionBank charge for a replacement card?
Usually ₱400–₱500, but it can vary. Some fees may be waived for lost or stolen cards.
2. How long will it take to get my new UnionBank card?
It usually takes 5–10 working days in Metro Manila and up to 2 weeks in provincial areas.
3. Can I still pay my bill if my card is lost?
Yes! You can still pay through the UnionBank app, over-the-counter, or via online transfer.
4. Will my old card number still work?
No. Once you report it lost or damaged, it’s deactivated permanently for your safety.
5. What if someone uses my lost card before I report it?
Call UnionBank immediately. They can investigate and reverse unauthorized transactions if proven fraudulent.
In summary: Keep calm, call UnionBank, and let them handle the rest. Their system ensures your money stays safe — and with a new card in your hands, you’ll be back to swiping confidently in no time.
