topic Re: Union Bank (MUFG Union Bank) in Credit Cards

Union Bank (MUFG Union Bank)

Benzman — Wed, 07 Jun 2017 23:41:15 GMT

Has anyone had dealings with them for credit cards and if so, what is your opinion on their cards & customer service?

Re: Union Bank (MUFG Union Bank)

Anonymous — Thu, 08 Jun 2017 00:14:18 GMT

They are not discussed here much, mostly due to their limited geographic footprint and due to the fact that they only recently started issuing their own cards. What has you considering them?

ETA: Union Bank is already in your signature?

Re: Union Bank (MUFG Union Bank)

Benzman — Thu, 08 Jun 2017 00:50:46 GMT

@Anonymous wrote:

What has you considering them?

ETA: Union Bank is already in your signature?

Actually approved back in May for a card. Have not received card yet and after calling in and talking with four or five people so far, none seem too intelligent.

And the hold times are crazy on the phone. I called in one time and had to wait over 25 mins till I got to speak to someone.

Re: Union Bank (MUFG Union Bank)

Gmood1 — Thu, 08 Jun 2017 00:53:58 GMT

So what CBs they pull Benzman?

Re: Union Bank (MUFG Union Bank)

Anonymous — Thu, 08 Jun 2017 00:54:53 GMT

Not a very good first impression of them.....If you live bear a branch it may be time for an in-person visit!

I try to stay clear of these smaller, foreign owned banks (Barclays, Santandar, BBVA Compass, Bank of the West, HSBC etc). I couldn't escape TD; they bought my Chrysler Financial car loan and my Nordstrom Visa.

Re: Union Bank (MUFG Union Bank)

sjt — Thu, 08 Jun 2017 01:04:09 GMT

Their products offerings are the same as when they were issued by FNB Omaha. Someone from the bank told me they have more control of the approvals and CL though.

Union Bank is a good bank.

Re: Union Bank (MUFG Union Bank)

Benzman — Thu, 08 Jun 2017 02:13:56 GMT

@Gmood1 wrote:
So what CBs they pull Benzman?

Just Experian. I'm in PA so I don't know if that makes a difference or not.

Re: Union Bank (MUFG Union Bank)

Benzman — Thu, 08 Jun 2017 02:20:29 GMT

@Anonymous wrote:
Not a very good first impression of them.....If you live bear a branch it may be time for an in-person visit!

I try to stay clear of these smaller, foreign owned banks (Barclays, Santandar, BBVA Compass, Bank of the West, HSBC etc). I couldn't escape TD; they bought my Chrysler Financial car loan and my Nordstrom Visa.

Doesn't appear any branches in PA. I did not know they were foreign owned until today. The reason I called is due to being concerned of where the card was since it has been since the middle of May. Six different people and no one seems to know the answer. I am supposed to get a call from a supervisor tomorrow. Will update with results.

Re: Union Bank (MUFG Union Bank)

Revelate — Thu, 08 Jun 2017 05:29:42 GMT

@Anonymous wrote:
Not a very good first impression of them.....If you live bear a branch it may be time for an in-person visit!

I try to stay clear of these smaller, foreign owned banks (Barclays, Santandar, BBVA Compass, Bank of the West, HSBC etc). I couldn't escape TD; they bought my Chrysler Financial car loan and my Nordstrom Visa.

That's my only dealing with Union Bank, they bought my mortgage from Chase.

Their web interface is pretty sparse on the mortgage side, can't speak to the CC side but generally accounts are accounts so if that matters to you it may not be a fantastic experience. I had to call in once regarding the autopay transfer, and the two people I talked were as helpful and knowledgable and downright friendly as could be actually. I don't use that feature much for my cards, but I wouldn't be scared of taking a card from them on that front if I wanted it... though if I come off the road or otherwise the CSR doesn't make any sense anymore, if that 2 * 50% redemption = 3 cents per $1 spent off my mortgage principal on a Visa, hmmm, that's a pretty attractive default spender even if it's a niche use case. *snort* that might actually become my only spender, then suddenly paying mortgage via Venmo or whatever makes all sorts of sense.

Well poop, if I stay where I'm at past February or so, think I just talked myself into applying for it assuming the above redemption level is correct... arbitrage play on my 20K/year mortgage payments? Yes please. Anyone who actually gets the rewards card if you'd let me know if points are worth 1 cpp that'd be awesome

Re: Union Bank (MUFG Union Bank)

B335is — Fri, 09 Jun 2017 01:28:55 GMT

I got one of the Personal cards last year and haven't used it a whole lot. It wasn't an instant decision, the card arrived about 2 weeks after I applied with a $5,000 SL. I have clean reports and pretty low utilization, just always a lot of new accounts. The website for submitting payments is very basic, but functional. I recently applied for a business card through them and got about 3 pages of verification questions followed by a snail mail asking me to verify my revenue. I called in and the CSR had to enter the info in the computer and said the UW would make a decision in a few days. That has been my only interaction with Union Bank on the phone and the CSR was friendly enough.

Re: Union Bank (MUFG Union Bank)

Benzman — Mon, 12 Jun 2017 16:51:22 GMT

Thought I would give an update. As of today, still no answer to what is happening.

Have called for a supervisor whose name was given to me by CSR at her extension 3 times and left message for her to call me, and of course no reply.

The fact that I cannot get an answer ****es the heck out of me, so I think it is time to grow horns and be a jerk, either excalating to EO or filing a complaint. Any thoughts on what you would do in my situation? I really don't care about the card, but hate the fact that there was a hard pull and an account opened that will appear on my credit report soon and still have no card.

Re: Union Bank (MUFG Union Bank)

Anonymous — Fri, 04 May 2018 05:58:48 GMT

Do you have any updates that you can share please? I was just sent a pre-selected application and normally I would just ignore but this is the first one I've been sent in the mail since my discharged 2012 BK that has 0% for 18 months. I don't need it right now, I would much prefer an offer like that when I need one in about 10 months, but I currently only have a Capital One card, an Old Navy and a Victoria's Secret (am also an authorised user on a Discover card). I'm still trying to figure out whether this would be helpful to get and just use for small PIF purchases to hopefully be approved for a Discover, AmEx or something else with a long 0% intro when I would need one next March? Or if it would be looked at as too much credit and prevent an offer when I need it.

Sorry for the rambling, I will make a separate post, but would like to hear your feedback if your issue was resolved and how the card and customer service has been. I live in CA and the nearest branch is almost 2 hrs away so I'm not familiar with them. Thank you in advance for your insight!

Re: Union Bank (MUFG Union Bank)

Benzman — Fri, 04 May 2018 21:02:44 GMT

Well, it has almost been a year, and still never got a reply to my phone calls or emails, and there were plenty. Never received the card even though approved, and still have a HP to show. I wrote them off and would not consider them again for any banking needs.

Re: Union Bank (MUFG Union Bank)

FinStar — Sat, 05 May 2018 18:58:17 GMT

@Benzman wrote:
Well, it has almost been a year, and still never got a reply to my phone calls or emails, and there were plenty. Never received the card even though approved, and still have a HP to show. I wrote them off and would not consider them again for any banking needs.

Does it even show up at all on your CRs? I would assume if it were approved (absent any final verification conditions) it would display on CRs.