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UnionBank Platinum Visa Approval - $8500 (no BT fee card)

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leo222
Contributor

UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Applied for this about one week ago, and got the 7-10 day message.

 

Called them today to see if there were any updates to my application - I had called them 3 days ago, and they had no new information. I actually received a prompt to enter the last 4 of my social and zip code, which I don't think I heard the last time I called. The automated voice then proceeded to read out my available credit, which was/is $8500, so I basically found out I was approved from the automated bot reading my balance to me. I don't think I've ever found out I was approved in this manner before.

 

I previously thought I was denied, given the infamous 7-10 day message, but, it looks like they manually underwrite every application. The CS rep said I should get the card in a few days...It's a very attractive balance transfer card, because, even though it's only 15 months, it does not have the standard 3 or 5% balance transfer fee, which is very rare these days. The only other cards I've had that didn't have that fee were/are the AMEX Everyday and Chase Slate, both of which I believe now have a 3% fee.

 

Stats - FICO 8 (as per Discover) is 772, with a 14% UTIL (although this should go down with this card). Also hadn't applied for any cards (or had any other hard inquiries) in about a year.

Message 1 of 10
9 REPLIES 9
Yasselife
Valued Contributor

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Congratulations on your approval, and thank you for sharing. @leo222 🤝






Message 2 of 10
gdale6
Moderator Emeritus

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Grats on your UnionBank approval Smiley Happy

Message 3 of 10
CreditMagic7
Mega Contributor

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Congratulations on your UnionBank Platinum Visa Approval!!

Message 4 of 10
CreditAggie
Community Leader
Super Contributor

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Congratulations on your UnionBank Platinum approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 10
NalekSok
Regular Contributor

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Congratulations on your approval! 🎉






Message 6 of 10
babygirl1256
Senior Contributor

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Congrats on your UnionBank Platinum Visa approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 7 of 10
cashorcharge
Community Leader
Senior Contributor

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

I'm glad that worked out.  Good to know on their processing....Thanks for sharing

WooHoo!! Congratulations on your Union Bank Approval!!👏🏼🍾🥂

Message 8 of 10
KingRue8500
Senior Contributor

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

Congrats on your UnionBank Platinum Visa approval




Message 9 of 10
5PercentIsTheFloor
Established Member

Re: UnionBank Platinum Visa Approval - $8500 (no BT fee card)

@leo222 

 

Pulled Experian, correct? 

Message 10 of 10
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