Managing Your Credit Card Credit Limit in the UnionBank App

Your complete guide to understanding, adjusting, and managing your UnionBank credit limit effectively.

💡 Introduction

Ever felt nervous when you see your credit card balance nearing its limit? Don’t worry — you’re not alone. Managing your credit limit is one of the most important parts of responsible credit card use, especially for first-time cardholders.

UnionBank makes this process simple through its mobile app, letting you view, track, and even request changes to your credit card limit anytime. Whether you’re trying to control your spending or planning a big purchase, understanding your limit gives you power over your finances.

In this article, we’ll walk you through:

What a credit card limit really means
How to view and manage your limit in the UnionBank App
When and how to request an increase or decrease
Tips to keep your credit score healthy
And how to use tools like the Credit Card Cost Calculator to stay on top of your monthly payments

🧭 What Is a Credit Card Limit?

Your credit limit is the maximum amount you can borrow using your credit card. Think of it as the total “loan” amount UnionBank allows you to spend each month before you pay it back.

Example:
If your UnionBank credit limit is ₱30,000, you can use that amount for purchases, bills, or cash advances. Once you’ve paid off part of your balance, that amount becomes available again.

💬 Quick Analogy

Imagine your credit limit as a water jug. Every time you spend, water is poured out. When you pay your bill, you refill the jug. If you keep pouring without refilling, you’ll eventually run dry — and possibly incur over-limit fees.

📱 How to Check Your Credit Limit in the UnionBank App

UnionBank’s mobile app makes it easy to monitor your available credit and used limit. Here’s how:

Step-by-Step:

Open the UnionBank App and log in using your credentials.
Tap on your Credit Card Account from the dashboard.
You’ll see two key details:
- Available Credit – how much you can still spend
- Outstanding Balance – how much you’ve already used
To view your total credit limit, tap “View Details”.

✅ Pro tip: Check your available credit before making a big purchase. This avoids declined transactions and helps you plan better.

🔧 How to Manage Your Credit Limit

UnionBank lets you take control of your spending by allowing you to adjust your credit limit based on your lifestyle and needs.

🟢 Option 1: Request a Credit Limit Increase

Perfect if:

Your income has increased
You’ve been a responsible cardholder for at least 6 months
You want to use your card for higher purchases (e.g., appliances, travel, tuition)

How to request:

Log in to your UnionBank App.
Tap your credit card account → “Manage” → “Request Credit Limit Increase”.
Fill in the required income and employment details.
Submit your request.
Wait for an SMS or email confirmation.

UnionBank will review your credit history and current usage pattern before approving your new limit.

🔴 Option 2: Request a Credit Limit Decrease

Yes, you can lower your credit limit too — ideal if you want tighter spending control or are helping a family member build discipline.

Steps:

Go to the UnionBank App.
Tap your credit card → “Manage” → “Adjust Limit” → “Decrease Limit”.
Select your preferred lower amount.
Confirm the request.

This change usually takes effect within a few business days.

🧮 Try the Credit Card Cost Calculator

Before requesting a higher credit limit, it’s smart to estimate how much interest and total cost you might pay if you don’t settle your full balance.

Use this free Credit Card Cost Calculator to:

See how your monthly payments change with a higher balance
Estimate your interest charges based on unpaid amounts
Understand how long it might take to pay off your card

By simulating different balances, you can make smarter decisions before committing to a higher spending limit.

💸 Benefits of Managing Your Credit Limit Properly

When used wisely, managing your credit limit helps you:

Build a strong credit score — keeping your utilization below 30% shows discipline.
Avoid over-limit fees — by monitoring your spending.
Get faster approvals for future limit increases or loans.
Reduce financial stress — no more worrying about maxed-out cards.
Enjoy better rewards — since responsible spending can make you eligible for UnionBank promos and perks.

⚠️ Common Issues and How to Fix Them

1. Credit Limit Request Rejected

Possible reasons:

Low income or high outstanding balance
Late payments in recent months
Limited credit history

What to do:
Pay on time for 3–6 months straight, lower your existing balance, then reapply.

2. Unable to See Credit Limit in the App

Try:

Updating your app
Logging out and back in
Contacting UnionBank’s hotline if issue persists

3. Unexpected Limit Changes

UnionBank may adjust your limit based on your credit behavior or internal review. This can happen if:

You have recurring late payments
You exceed your limit often
You maintain a consistently low usage (under 10%)

💡 Expert Tips for Healthy Credit Management

Keep utilization under 30%.
If your limit is ₱30,000, try not to exceed ₱9,000 regularly.
Pay on or before due date.
Even paying the minimum amount keeps your account in good standing — but paying in full avoids interest.
Review your statement monthly.
This helps you spot any fraudulent or duplicate charges early.
Avoid cash advances unless urgent.
They come with higher interest and fees.
Don’t request too many increases too soon.
It may look risky to banks and hurt your credit score.

🧾 Real-Life Example

Let’s say you’re approved for a ₱50,000 credit limit. You spend ₱20,000 for travel and ₱10,000 on groceries, leaving ₱20,000 available.

If you decide to increase your limit to ₱70,000 and keep spending the same, your credit utilization drops from 60% to 42% — improving your credit score and giving you more flexibility for emergencies.

However, if you use that extra ₱20,000 irresponsibly, your interest costs will grow. This is where the Credit Card Cost Calculator becomes useful — it helps you see how your total payment changes with different spending patterns.

📋 TL;DR (Too Long; Didn’t Read)

Your credit limit = the maximum amount you can spend on your UnionBank credit card.
You can view and manage it directly through the UnionBank App.
Request an increase for more flexibility, or a decrease for better spending control.
Always pay on time and use less than 30% of your limit.
Use the Credit Card Cost Calculator to plan and avoid debt surprises.

🙋 Frequently Asked Questions (FAQs)

1. What happens if I exceed my UnionBank credit limit?
You may be charged an over-limit fee, and your card might be temporarily blocked until payment is made.

2. Can I request a limit increase anytime?
Yes, as long as your account has been active and in good standing for at least 6 months.

3. How long does it take for a credit limit request to be approved?
Usually 3–5 business days, depending on document verification and your credit profile.

4. Does requesting a limit increase affect my credit score?
No, but frequent requests may trigger reviews of your spending pattern.

5. Can I manage multiple UnionBank credit cards in the same app?
Yes, you can view and manage all your UnionBank credit cards in a single dashboard for easier monitoring.

🏁 Final Thoughts

Managing your UnionBank credit card limit wisely is key to financial control. Whether you’re new to credit cards or just learning how to maximize them, using the UnionBank App makes tracking and adjusting your limit easier than ever.

Always remember: your credit limit is not free money — it’s a financial tool. Use it with discipline, monitor it regularly, and rely on tools like the Credit Card Cost Calculator to make every swipe a smart decision.