Why I Finally Cancelled My UnionBank Cashback Mastercard

​Deciding to cut ties with a credit card is never easy, especially when it’s a popular cashback contender. In today’s vlog, I’m breaking down the specific reasons why I decided to officially cancel my UnionBank Cashback Mastercard. ​While this card has some great perks, the landscape of rewards and annual fees is always changing. I’ll be sharing the math behind my decision, the "deal-breakers" I encountered, and which cards I’m moving my daily spending to instead. ​What’s Covered in This Video: ​The Annual Fee vs. Rewards: Is the cashback actually covering the cost of ownership? ​The Replacement: Which card I’m using now to maximize my returns. ​Should You Cancel Too? Key questions to ask yourself before closing an account. ​Connect With Me: ​Instagram: @johnpo.gacu ​Recommended Playlist: ​UnionBank Rewards Visa Platinum:    • Union Bank Rewards Visa Platinum Credit Card   ​ChinaBank @HOME Visa Platinum:    • China Bank Credit Card   All About Credit Cards:    • About Credit Card 💳   ​Disclaimer: I am not a financial advisor. This video is based on my personal experience and research. Please do your own due diligence before applying for or canceling any financial products. ​#UnionBank #CreditCard #CashbackMastercard #PersonalFinance #CreditCardReviews #FinancialFreedom #BankingTips #JohnPolGacu