FIX: GCash - You have been locked out due to 3 invalid MTCN tries
To be able to get out of the situation, all you need to do is follow the simple steps below. I will not go into more introduction and will outline the tutorial as follow.
1. If you have been locked out today (for example today is May 24, 2020, with the time of 6:38 AM). All you need to do is just wait for 24 hours or the following day, and GCash will automatically unlock you for the 3 invalid MTCN tries.
2. That's it!
Now, to avoid a future locked out please remember my personal advise.
a. When you are cashing in money from Western Union (let's say that money is coming from your Google Adsense earnings), do not try to cancel the transaction after you input the estimated amount to be withdrew, and as well as the 10-digit MTCN number. Based on my personal experience, after canceling the transaction and then trying again, GCash app security will detect something fishy is happening inside your account and will message you to try again and again, and you will get to the point that you have been locked out. When performing a cashing in transaction, just finish it and never look back.