UNION BANK CC SOA - what ref number should i use?

Hi, first time payer sa UB SOA. Napanasin ko lang na ang lahat ng transactions ko, I used my PHYSICAL CARD.

Pero sa SOA, VIRTUAL CARD ang nakareflect as reference number.

Tried to pay the dues using my PHYSICAL CARD as reference, magrreflect parin kaya yon? Used BPI for payment?

If yes, gano katagal sya bago mapost sa unionbank?

Thankyouuu