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Union Bank Credit card Application Experience

D3V1L

TF Select
VIP Lounge
Sorry for the long post 🙁

Hi TF mates. Sharing my union Bank credit card application experience, which is still in process. (UPDATE- CLOSED ALL RELATIONSHIPS WITH UNION BANK)

Like few people in the community I also like to have credit card collection.

So last week I thought of applying union Bank credit card. First I went to their website to apply the credit card but the website link is broken. After entering all the details in the website I got an error and it asked to visit the bank for further process completion.

Next day when I visited the branch, as usual like other PSU banks they ask me to open a bank account with them. I was fully prepared and took all the documents needed. Then I filled up the 5 page form and given documents. Told once my account gets activated I can apply the credit card.
Next day the account got activated and I took the credit card application form. Strange thing they told apart from KYC document they need my 3 years ITR and 3 years Form 16. As I had only 2 years of ITR and form 16, they agreed and I submitted the documents for credit card. One thing the manager told they only consider ITR for the credit card application and credit limit and don't consider card to card or salary slip income proofs.

On the same day of application i.e. 1st June, I got a CIBIL enquiry from Union Bank for credit card. After 4 days on 5th May I got another enquiry from Union Bank, but this time the enquiry type is "Loan against fixed deposit".

I visited the branch again to enquiry. This time the manager told that the first CIBIL enquiry was not completed successfully due to some system crash, but second time CIBIL enquiry was done for only credit card. I showed her the enquiry type but she refuse to accept their fault.

Now the most irritating thing of the day when I heard from her that I need to submit all of my credit card's 16 digit numbers, issuer bank and credit limit in a blank paper, in order to process my Union Bank credit card application.
I told her I have more than 40 credit cards and hard ro fulfill this request for just a credit card application.
Now she told with attitude if you want the credit card then you have to follow the banks process. When I asked is it safe to provide credit card number as RBI only advises that never share your card information to anyone, then the manager was like I don't know if it safe, but its in our process, if you want the card then you have to submitted the details.

Now I don't know I should really go for the card. But one thing for sure, majority of the PSU banks have worst application process and strange documents demands when it comes to credit card application process.

I have attached my CIBIL enquiry image also which I am thinking to raise a dispute first with bank and then CIBIL.
 

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You are a 10 years customer for then. That’s why you got coffee and quicker response. For me I had to wait each time half an hour to talk with that lady manager who thinks herself RBI head 🤣
No, it's because the manager currently there knows me from 10 years ago. At that time, I used to have several crores in FDs with them. So I was always used to directly go to his cabin and he would call someone to do whatever I needed. Later he was promoted to regional head and left but now he has come back. He is the absolute best manager ever. Never gives any hassle and always finds a solution quickly. So I made another small FD to keep him happy even though the rates are low there.
Generally speaking, I hate having to stand in line at a bank. I need to be seated in the manager's office or at least in a lounge with some senior person. They should serve coffee and attend to my work. Fortunately most banks offer this and it is a key factor for opening or keeping accounts for me.
 
No, it's because the manager currently there knows me from 10 years ago. At that time, I used to have several crores in FDs with them. So I was always used to directly go to his cabin and he would call someone to do whatever I needed. Later he was promoted to regional head and left but now he has come back. He is the absolute best manager ever. Never gives any hassle and always finds a solution quickly. So I made another small FD to keep him happy even though the rates are low there.
Okay that's an advantage for you. Rare case. But still its the worst process for many. 🥲
 
Bro
Sorry for the long post 🙁

Hi TF mates. Sharing my union Bank credit card application experience, which is still in process. (UPDATE- CLOSED ALL RELATIONSHIPS WITH UNION BANK)

Like few people in the community I also like to have credit card collection.

So last week I thought of applying union Bank credit card. First I went to their website to apply the credit card but the website link is broken. After entering all the details in the website I got an error and it asked to visit the bank for further process completion.

Next day when I visited the branch, as usual like other PSU banks they ask me to open a bank account with them. I was fully prepared and took all the documents needed. Then I filled up the 5 page form and given documents. Told once my account gets activated I can apply the credit card.
Next day the account got activated and I took the credit card application form. Strange thing they told apart from KYC document they need my 3 years ITR and 3 years Form 16. As I had only 2 years of ITR and form 16, they agreed and I submitted the documents for credit card. One thing the manager told they only consider ITR for the credit card application and credit limit and don't consider card to card or salary slip income proofs.

On the same day of application i.e. 1st June, I got a CIBIL enquiry from Union Bank for credit card. After 4 days on 5th May I got another enquiry from Union Bank, but this time the enquiry type is "Loan against fixed deposit".

I visited the branch again to enquiry. This time the manager told that the first CIBIL enquiry was not completed successfully due to some system crash, but second time CIBIL enquiry was done for only credit card. I showed her the enquiry type but she refuse to accept their fault.

Now the most irritating thing of the day when I heard from her that I need to submit all of my credit card's 16 digit numbers, issuer bank and credit limit in a blank paper, in order to process my Union Bank credit card application.
I told her I have more than 40 credit cards and hard ro fulfill this request for just a credit card application.
Now she told with attitude if you want the credit card then you have to follow the banks process. When I asked is it safe to provide credit card number as RBI only advises that never share your card information to anyone, then the manager was like I don't know if it safe, but its in our process, if you want the card then you have to submitted the details.

Now I don't know I should really go for the card. But one thing for sure, majority of the PSU banks have worst application process and strange documents demands when it comes to credit card application process.

I have attached my CIBIL enquiry image also which I am thinking to raise a dispute first with bank and then CIBIL.
Bro, first thing the branch has zero ideas of their credit cards portfolio and process, go for it online...but apply after 1 year of completion of your bank account opening.
 
I applied for a Union Bank credit card last week. It was a super easy process. Sat in the manager’s cabin, they offered me coffee and just filled a small form. He asked me to Whatsapp him a copy of ITR and PAN and that was it. He assured me it would be approved and that there would be no further verification or calls. Now the card is showing up on the app with a limit of 4 lakhs but is yet to be delivered. I have been a customer with them for 10 years. Earlier I had large fixed deposits with them but have been keeping only a few thousand in the savings account for the past few years as their interest rates are very low. So overall an easy process. Now waiting to see which card variant has been issued. The limit is relatively low but I only got it for the sake of having it!
Finally received the card. It is the Rupay Select variant with a limit of 4 lakhs. Union Bank took about a week to send it and Speed Post wasted another week. Overall, a very easy process. No calls or verifications of any kind. No real use for this card but wanted a PSU one!
 

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Correct said bro.
Even when I applied for Indian Bank card the manager asked me what do you do with so many cards. I directly told its none of your business. They delayed my application 3 months. After complaining to Obudsman my card got process after nearly 4months i got my card with only 25K limit😂
How do they know the number of cards you own? Can they see that through the cibil report? I thought they could only see the score and nothing more
 
Thanks for this thread. Though there is a success case also due to a long standing relationship with the bank, the fact that a new person has to write the CC numbers on a blank paper and submit is it is a breach of privacy and against RBI rules of disclosures.

Thankful to this thread. Will stay away from applying to the bank.
 
Sorry for the long post 🙁

Hi TF mates. Sharing my union Bank credit card application experience, which is still in process. (UPDATE- CLOSED ALL RELATIONSHIPS WITH UNION BANK)

Like few people in the community I also like to have credit card collection.

So last week I thought of applying union Bank credit card. First I went to their website to apply the credit card but the website link is broken. After entering all the details in the website I got an error and it asked to visit the bank for further process completion.

Next day when I visited the branch, as usual like other PSU banks they ask me to open a bank account with them. I was fully prepared and took all the documents needed. Then I filled up the 5 page form and given documents. Told once my account gets activated I can apply the credit card.
Next day the account got activated and I took the credit card application form. Strange thing they told apart from KYC document they need my 3 years ITR and 3 years Form 16. As I had only 2 years of ITR and form 16, they agreed and I submitted the documents for credit card. One thing the manager told they only consider ITR for the credit card application and credit limit and don't consider card to card or salary slip income proofs.

On the same day of application i.e. 1st June, I got a CIBIL enquiry from Union Bank for credit card. After 4 days on 5th May I got another enquiry from Union Bank, but this time the enquiry type is "Loan against fixed deposit".

I visited the branch again to enquiry. This time the manager told that the first CIBIL enquiry was not completed successfully due to some system crash, but second time CIBIL enquiry was done for only credit card. I showed her the enquiry type but she refuse to accept their fault.

Now the most irritating thing of the day when I heard from her that I need to submit all of my credit card's 16 digit numbers, issuer bank and credit limit in a blank paper, in order to process my Union Bank credit card application.
I told her I have more than 40 credit cards and hard ro fulfill this request for just a credit card application.
Now she told with attitude if you want the credit card then you have to follow the banks process. When I asked is it safe to provide credit card number as RBI only advises that never share your card information to anyone, then the manager was like I don't know if it safe, but its in our process, if you want the card then you have to submitted the details.

Now I don't know I should really go for the card. But one thing for sure, majority of the PSU banks have worst application process and strange documents demands when it comes to credit card application process.

I have attached my CIBIL enquiry image also which I am thinking to raise a dispute first with bank and then CIBIL.
Thanks for sharing this man, I was thinking of getting a CC with them but after going through what happened with you. I think I will take learning and put that plan off for some time till someone else posts their experience where the bank has improved their process. Why on earth they need the Card details of my other cards. So stupid. 🤦🏻‍♂️
 
Thanks for sharing this man, I was thinking of getting a CC with them but after going through what happened with you. I think I will take learning and put that plan off for some time till someone else posts their experience where the bank has improved their process. Why on earth they need the Card details of my other cards. So stupid. 🤦🏻‍♂️
just open union bank saving account .... employment mein salaried ya self employed fill up kr dena .... Annual income must 5 lakh ...then account open ho jayega....

Next day union bank credit card ki site par account number se card apply kr do ... waha par bhi income same hi show krna aur koi working address show kr dena .... koi verification nhi hota hai na koi call aayegi.... card instant approve ho jayega.... Cibil score 750+ need ...

Maine same trick se 2 cc liye hai family mein ... limit depends upon your other credit card limit...


And Last thing woh jo banda bol rha hai uss ne credit card online apply kiya tha woh galat bol rha hai ... Online credit card sirf bank account holder hi apply kar sakte hai
 
just open union bank saving account .... employment mein salaried ya self employed fill up kr dena .... Annual income must 5 lakh ...then account open ho jayega....

Next day union bank credit card ki site par account number se card apply kr do ... waha par bhi income same hi show krna aur koi working address show kr dena .... koi verification nhi hota hai na koi call aayegi.... card instant approve ho jayega.... Cibil score 750+ need ...

Maine same trick se 2 cc liye hai family mein ... limit depends upon your other credit card limit...


And Last thing woh jo banda bol rha hai uss ne credit card online apply kiya tha woh galat bol rha hai ... Online credit card sirf bank account holder hi apply kar sakte hai
Okay bro. I will try this approach once. BTW, the account you opened, was it zero balance account?
 
Finally received the card. It is the Rupay Select variant with a limit of 4 lakhs. Union Bank took about a week to send it and Speed Post wasted another week. Overall, a very easy process. No calls or verifications of any kind. No real use for this card but wanted a PSU one!
What do you plan on doing with this card? Any worthwhile benefits? I have an old account in Union Bank so I could definitely get it.
 
Sorry for the long post 🙁

Hi TF mates. Sharing my union Bank credit card application experience, which is still in process. (UPDATE- CLOSED ALL RELATIONSHIPS WITH UNION BANK)

Like few people in the community I also like to have credit card collection.

So last week I thought of applying union Bank credit card. First I went to their website to apply the credit card but the website link is broken. After entering all the details in the website I got an error and it asked to visit the bank for further process completion.

Next day when I visited the branch, as usual like other PSU banks they ask me to open a bank account with them. I was fully prepared and took all the documents needed. Then I filled up the 5 page form and given documents. Told once my account gets activated I can apply the credit card.
Next day the account got activated and I took the credit card application form. Strange thing they told apart from KYC document they need my 3 years ITR and 3 years Form 16. As I had only 2 years of ITR and form 16, they agreed and I submitted the documents for credit card. One thing the manager told they only consider ITR for the credit card application and credit limit and don't consider card to card or salary slip income proofs.

On the same day of application i.e. 1st June, I got a CIBIL enquiry from Union Bank for credit card. After 4 days on 5th May I got another enquiry from Union Bank, but this time the enquiry type is "Loan against fixed deposit".

I visited the branch again to enquiry. This time the manager told that the first CIBIL enquiry was not completed successfully due to some system crash, but second time CIBIL enquiry was done for only credit card. I showed her the enquiry type but she refuse to accept their fault.

Now the most irritating thing of the day when I heard from her that I need to submit all of my credit card's 16 digit numbers, issuer bank and credit limit in a blank paper, in order to process my Union Bank credit card application.
I told her I have more than 40 credit cards and hard ro fulfill this request for just a credit card application.
Now she told with attitude if you want the credit card then you have to follow the banks process. When I asked is it safe to provide credit card number as RBI only advises that never share your card information to anyone, then the manager was like I don't know if it safe, but its in our process, if you want the card then you have to submitted the details.

Now I don't know I should really go for the card. But one thing for sure, majority of the PSU banks have worst application process and strange documents demands when it comes to credit card application process.

I have attached my CIBIL enquiry image also which I am thinking to raise a dispute first with bank and then CIBIL.
they are quite poor in service.. cibil will happen and no card will come.. nothing special about ubi.. can be avoided
 
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