Union Bank Visa Credit Card is on the credit cards which offers long interest-free period for every cardholder. The card also offers low-interest-rate, this makes it a solid choice for well-qualified cardholders seeking the flexibility to carry balances from month to month.
UnionBank Credit Card has incredible features which make it stand out. One such feature is that cardholders enjoy an extensive list of Visa-backed benefits.
A complimentary auto rental collision insurance and extended warranties on certain purchased items. Meanwhile, if you are looking for a generous rewards program or lots of juicy fringe benefits, you may be disappointed.
Pros and Cons of Union Bank Credit Card
One thing we want you to understand is the fact that every credit card you see in the market has some pros and cons. Furthermore, we believe, in case the pros outweigh the cons, such a credit card should be considered a good one.
My UnionBank credit card is not excluded from this category. This part of the article will run through the pros and cons of the Union Bank Visa Credit card.
Pros of My Credit Card Union Bank
====> No Annual Fee. Union Bank Visa Credit Card has no annual fee. Therefore as a cardholder, you don’t need to worry about the annual fee attached to some credit card.
====> Nice Visa-Backed Benefits. Another pro of the credit card is what we called Visa-Baked benefits. This credit card is a no-reward card, in that case, Union Bank Visa Credit Card has a pretty nice lineup of Visa-backed benefits.
These visa-Backed rewards include purchase protection, warranty coverage, cell phone protection, complimentary damage insurance on rental cars paid in full with the card, 24/7 roadside assistance, and much more.
====> Generous 0% APR Promotion. This card’s 0% APR introductory promotion is ideal for new cardholders seeking to finance large purchases over time without accruing interest
For new sign-ups struggling with existing high-interest credit card balances on other cards. In either case, you have a full year from your account opening date to pay off your transactions interest-free.
====> Low ongoing interest rate for qualified cardholders. Once you qualify for this credit card (Union Bank Credit Card) you will benefit from the low interest of around 11.49%. This very low compared to most of the credit cards in the market.
Cons of My Union Bank Visa Credit Card
====> No rewards, UnionBank Visa Credit Card does not provide any reward program cardholder could benefit from. The most credit card offers cash back reward, some offer a sign-up bonus which may attract cardholder. That is not the case with the Union Card.
Your purchases don’t earn cash back or points, while some credit card offers a reward when purchased using their card, some even awarded point which can be redeemed later. As a long time customer or user, this could be a drawback
====> APR can be high for less qualified Candidates. Though Union Bank Visa Credit Card’s minimum APR is quite reasonable, in fact, is low, less than 15%.
Meanwhile, the possible APR range is quite broad. The highest possible APR exceeds 20%, which could be a drawback for less qualified cardholders or candidates seeking the flexibility to carry balances from month to month.
====> Charges Penalty Interest. This card’s penalty interest rate approaches 30% APR which is very high. If you missed a payment date due to some reason, such as, unexpected obligations, look for alternatives that do not charge penalty interest.
====> No Account opening bonus, just as we mentioned. Union Bank prepaid card does not include a sign-up bonus to her customer.
Some other low APR credit cards do offer sign-up bonuses in some form. For instance, Discover it doubles all cash back earned during the first year of card membership.
====> My Credit Card UnionBank has a 3% foreign transaction fee. This fee is high while transacting a big amount of money internationally. That is bad news for frequent overseas travellers, especially given the absence of a rewards program.
Factors Affecting Union Bank Credit Card Eligibility Criteria
The following factors must be put into consideration while applying for a Credit card Union. Once you meet up with the standard, you should go and complete your application form through the online process. Keep reading as you will soon explore the complete guide to apply for Union Visa Credit Card.
Age of the Applicant
Using a credit card becomes a huge responsibility for everyone, as this helps us keep too much mush in our pocket or wallet.
If you want to apply for this credit card, you must be 18 years and above. An individual gets a steady source of income only after a certain period of years.
Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Applicant Credit History
In simple language, credit history is simply referred to as how you have been managing your credit-related activities. As a matter of fact, it is clear proof of how an individual manages his/her credit-related activities. Good credit history is highly preferred by the lender for offering a credit card.
Income of the Applicant
Another important issue we need to consider before you apply for this credit card is your income source. Your income plays an important role while applying for a credit card. This is proof to the bank that you will be able to pay your credit card bill.
Therefore, you must get a stable source of income before considering applying for My UnionBank Credit card.
Union Bank Credit Card Application Requirement
We are moving you forward, you have just completed the factors affecting Union Visa Credit Card Eligibility Criteria.
Therefore, this part of the article will guide you on the required materials to complete your application process. They are simple, once you have them, you can go and complete the application form.
====> Applicant must have Social Security Number
====> Applicant must be 18 years and above
====> Applicant must provide means of identification
====> Applicant must provide government-approved photo ID card
Apply for Union Visa Credit Card
This question needs an answer. How do I apply for a Union Credit card? By now, you know little about Union Bank Prepaid Card.
Who knows, you have decided to apply for this credit card, you only need to keep reading as you explore the guide to apply for Union Bank Credit Card in the article.
Step 1 ====> You need to visit Union Visa Credit Card official application page
Step 2 ====> On the page, locate and click on the apply for card
Step 3 ====> Now follow the on-screen instruction to complete the application form
Step 4 ====> Enter your personal information in the space provided, these include your name, social security number, email address, date of birth among others
Step 5 ====> Now, move on to provide your physical address in the space provided, these include city, state and other
Step 6 ====> Then enter your finance and employment information in the space provided and click on the continue button
Step 7 ====> Now follow the on-screen instruction to complete the application process
Union Visa Credit Card Login Process
Once you have completed your application, now you need to login into your online account. The processes require is very simple and easy. You only need to follow simple steps and process.
Step 1 ====> You need to visit the official website as mentioned above
Step 2 ====> On the page, locate and click on the Log-on button at the top right corner of the screen
Step 3 ====> Once you clicked on it, a drop window will show up
Step 4 ====> Now enter your Account ID and click on the Log-on button
Step 5 ====> Once you enter the ID number and clicked on the log on, you will be able to enter your password in the space provided
That is all, you have just completed the process of access the Union Visa Credit Card online account.
Reset and Recover Login Details
Your login details are just like keys to your apartment. Once you have the correct login details, you will be able to access your online account so easily. On the other hand, if you don’t get your login details right, you will be denied access to your Union Credit Card online account.
In that case, this part of the article will guide you on how to recover or reset Union Visa Credit Card login details.
Step 1 ====> You need to visit the login page as explained above
Step 2 ====> Just below the log on button, locate and click on Forgot User ID or Password link
Step 3 ====> You will be redirected to another page and click on Forgot Password or Forgot User ID
====> If you click on forgot password, you will either personal account or Business or trust Account
====> Once you click on the personal account, you need to provide the following information
====> Type of Card, User ID, Last 8-digits of your UnionBank Card, your ATM Card Pin and postal code all in the space provided
====> Now click on the continue button
====> Follow the on-screen instruction to complete the process
Now repeat the process to restore the User ID
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Union Visa Credit Card Q&A
This part of the article will focus on some of the common questions people usually ask about My UnionBank Credit Card. Keep reading as you explore the answer to these questions.
How to Increase Union Bank Credit Card Limit?
The credit limit on the Union Bank credit cards is determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for an increase in the credit limit.
While requesting for the increase, the cardholder needs to submit financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
Why Apply for a Credit Card Through Creditmantri?
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier
How to Apply for Credit Card at CreditMantri?
It is now easy to check whether you are eligible to get an Oriental Bank of Commerce credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
Step 1 ====> You need to visit the CreditMantri website
Step 2 ====> On the page, locate and click on the Credit Cards option which will take you to the page where credit cards from varied banks are listed.
Step 3 ====> You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
Step 4 ====> Now click on Check Eligibility which is displayed against the credit card you choose from the page.
Step 5 ====> You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on Next to proceed to the next step.
Step 6 ====> You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.