u/jhay1001

Hi, I just got my UnionBank credit card on August 2, 2026, and this is my first credit card. My credit limit is ₱15,000, and I used ₱14,300. I paid ₱15,000 through the BDO app on August 14 at 4 AM.

My statement date is August 14, and my due date is September 1. Is it okay that I paid before the due date? Will this affect my billing cycle or SOA?

Also, the payment hasn’t reflected in my UnionBank account yet. How long does it usually take to post?