[Tutorial] Unionbank EON Card for the Dummies

This is a CANDID step by step tutorial that aims to help freelance consultants like me who currently works online and receives payment online. Note: this tutorial specifically is linked with oDesk, PayPal and Unionbank payment system. I believe it is still applicable to other online jobs such as selling or buying at eBay. You can figure it out. lol.

Everything is linked from my experience so its still the freelance consultant’s choice to follow my practices. What I can only promise is a guaranteed payment and lesser fees to shell out. Also, it is based on the principle of PATIENCE. So if you are the type who is in a hurry to hold your $10 payment in flesh, then this is not for you.

Please be advised that I am not a mathematical person and I hated math and is totally bad at budgeting but I am an Obsessive Compulsive person and I like to list all the things I have done in an organized way. *wink*

Terminologies:

A. oDesk – website for freelancers. (see more of my blog entries here or better yet HERE.

B. PayPal – Your online Bank Account.

C. UnionBank Eon Card or oDesk Payoneer Card – Your Debit card which you will link to PayPal to receive payments or buy online.

Here is a glimpse of what I did.

1. I applied at oDesk. I worked until I have received a considerable amount of money.

2. After a month, I want to withdraw my money. I felt impatient already. I applied at the official debit card of oDesk which is Payoneer. My research says it is the most convenient.

3. I received my card after a month and while trying to activate it, I read some good reviews about Unionbank EON card. I researched and I laid down the pro’s and cons of the two debit cards.

	Bank Account		IN USD	IN PESOS - 47 PHP
CHARGES	Payoneer	Payoneer activation fee	$9.95	467.65
		oDesk to Payoneer	$2.15	101.05
		monthly maintenance fee (July & August)	$6.00	282.00
		TOTAL:	$18.10	PHP 850.70
	EON - Paypal	PayPal verification fee	$1.95	PHP 91.65
		oDesk to PayPal	$1.00	PHP 47
		annual fee	$7.46	PHP 350
				more than 7K to withdraw = free
		★★★★★      TOTAL:	$10.41	PHP 488.65       ★★★★★

* PayPal Verification fee is crossed out because technically it will be deducted BUT will be given back after the verification process.

4. I decided to choose UnionBank as my Debit card after looking at my comparison chart. *ching!*

Now My UnionBank EON Card History

1	1st Day	applied for Unionbank EON card.
2		submitted two valid IDs.
3		waited for 1 week
4	7th Day	called the branch office to confirm my card
5		redeemed my card at the branch office and gave 350 as a payment	annual card fee
6		checked my balance at the branch ATM = 0 PHP
7		activated my account online at home
8		waited for the activation (two-four business days as per Unionbank)
9	13th Day	can now log in and required to change my online transaction pin
10		withdraw funds from oDesk to PayPal - $1 fee
11		withdraw funds from PayPal to EON card- still unsuccessful
12		In Paypal, I saw “transfer thru bank account vs. card”
13		I chose bank account which is free for 7K above funds
14		I was rejected for PayPal debit/credit card verification	I think because my EON card has zero balance
15		I don’t want to choose the other option because it will cost me $5 and its longer to process	this site helps
16	71st Day	deposit PHP 1000 at the branch office
17		log again to PayPal to verify
18		log to PAYPAL to confirm debit card details
19		put my card number details
20		log in to EON account
21		searched for mini statement
22		charged 98 PHP or 1.95 USD at EON card which was given back at PayPal
23		confirmed in PayPal the XXXXPAYPAL in the statement
24		log out for safety
25	82nd Day	I finally withdraw funds from oDesk to PayPal	TOTAL AMOUNT FEE: $ 2 ONLY from the first oDesk withdrawal
26		I finally withdraw funds from PayPal to EON card	TOTAL MONEY NEEDED FOR BANK APPLICATION: 350 (Annual Maintenance Fee + 1000 (deposit)
27		Wait 2-4 business days for me to receive my funds! *CHING!*

 

Yes it took me 82 days to withdraw my funds. Take note that this is not the recommended and ideal. Few factors that resulted to delays are becoming busy at life and therefore I became idle at oDesk.

Few Advices:

1. Wait until you can save until PHP 7,000 at oDesk. This is to avoid the PHP 50 fee for any less than 7K. (I am that frugal!) This means work hard and search hard for legitimate buyers who pay really well and those that gives bonuses!

2. When you receive your Unionbank EON Card, deposit money immediately to avoid the hassle of being rejected for Paypal Verification.

3. If you are like me who got the Payoneer first than the Unionbank EON card, no matter how many times the email says: “Activate your Card now!” DONT DO SO UNLESS YOU WANT TO PAY THE ACTIVATION FEE WHICH IS $9.95. gulps.

4. When choosing which account to choose in Paypal, I go for Personal Account. Business accounts are for the sellers who receive big amounts of money. I believe personal account has lesser fees.

5.  Check the foreign exchange rate! Be aware thought that Paypal has unbelievably lower rate than what you see in the banks, tv, newspapers etc.

6. Do not withdraw during holidays cause obviously Unionbank is closed.

7.

8.

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Well I guess I’ve covered enough. If you have questions just comment here. I need to rest. Oh did I say that, I have a flu right now? Can’t help but to post up this tutorial. ^^

xoxo

Hoard day + EON Card & Odesk Debit Card

An interesting purchases at Watsons today.

1. Swallow Hot Oil Treatment Cream – PHP 89.75

 

Why I bought this? Its cheap and its small enough to try it myself. Why I am quite hesitant to use it? The ingredients fooled me. I thought there were no parabens on it. But after buying it and researching the ingredients, I found out that they use another name for it. If you can read it there are two kinds of parabens on it:

methyl-p-hydroxybenzoate OR IN SHORT Methlyparaben.

Propyl-p-hydroxybenzoate OR IN SHORT Propylparaben.

Wow I am saddened. I’ll let you know if I will use it or not. And what are parabens if you ask? lol sorry for not explaining it well. I think I shall post a separate post about it next time.

2. Silk Secrets Moisturizing Cracked Heel Cream – PHP 149.75

 

Okay this is a confession. I have this ugly hardened skin or callous in my fifth toe. Ugh. It’s embarrassing. I cant wear my sandals now. I self medicated it before thru the use of a salicylic acid patches. I thought it is just a fungi but no it’s not and the salicylic acid just made it worst. :( Now after researching, all I can do is to soften the skin and just file it every now and then. Unless I bring it to a professional doctor on which I am not thinking right now. Not yet. I am hoping that this cracked heel cream will help. I don't have a cracked heel but I am assuming that my fifth toe will also benefit from this? Let’s see…The ingredients are safe enough. No parabens.

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Finally here is a picture of my newly cards: Unionbank EON card and Odesk Debit Card.

Woot. They are not yet activated mind you. The odesk card was here first but after careful consideration, I think using Union Bank EON card is much a better option for me. Lower cost and safer. For EON card, the teller suggested to activate it this saturday.

Oh by the way, it is my first time to use Globe Gcash today. Meaning, I was able to encash my gcash funds today. I did it in a Globe Telecom Center. I just had to prepare a valid ID. They asked me to fill out a form then they will send a message thru my phone, I have to reply back my pin and voila, the cash is with me after few minutes. This is the manner of payment from my mystery shopping stint. It was enlightening haha. I paid a fee of 10 pesos for my funds.

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My fingertip eczema is acting up again and I am having a hard time holding things especially washing my hands. It dries quickly and scales a lot. :( I think its because of my high sodium diet…and also stress. Sigh..The aloe vera that I bought (see picture) didn't help much. I am not sure if its harsh on my skin but my eczema occurred after using this…Probably the ingredient, Benzyl Alchohol triggered it…what a waste. I love aloe vera plus this product is from healthy options.

toodles.