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Us Bank Buying MUFG Union Bank

Gmood1
Community Leader
Super Contributor

Re: Us Bank Buying MUFG Union Bank

@ChargedUp 

I don't have the answer on the choices during a merger.

But they did pull FICO 8 or 9 EX Bankcard for the CC.

Message 11 of 16
CreditCuriosity
Moderator

Re: Us Bank Buying MUFG Union Bank

Also be ready for about 5 tough questions from public records.   Where they pull these questions from I have no clue as just remember they were some of the most tough ones I were ever asked from like 25 years back some of them so hopefully you have a good memory of old phone #'s and old license plate numbers etc if you have movedSmiley Happy.  As if you fail it is a decline no recon on identity.

Message 12 of 16
Dinosaur
Moderator Emeritus

Re: Us Bank Buying MUFG Union Bank


@CreditCuriosity wrote:

Also be ready for about 5 tough questions from public records.   Where they pull these questions from I have no clue as just remember they were some of the most tough ones I were ever asked from like 25 years back some of them so hopefully you have a good memory of old phone #'s and old license plate numbers etc if you have movedSmiley Happy.  As if you fail it is a decline no recon on identity.


Ran into the situation you wrote up with FNBO! Told the verifier that the questions did not even apply to me. She was taken back. Figured it was over. However, she got inventive and took my credit report open and closed accounts and grilled me on them. Fortunately, I could remember items from the reports and FNBO passed me. Where do they get the old ... old ... old information? Previous to the questions, I had gone over my Lexus Nexus Report, Early Warning Report, the three major bureaus and the NCTUE Telephone Bureau Report and they were accurate ... old but accurate.

Starting Score: 850
Current Score: 850
Goal Score: 850


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Message 13 of 16
ChargedUp
Valued Contributor

Re: Us Bank Buying MUFG Union Bank


@CreditCuriosity wrote:

Also be ready for about 5 tough questions from public records.   Where they pull these questions from I have no clue as just remember they were some of the most tough ones I were ever asked from like 25 years back some of them so hopefully you have a good memory of old phone #'s and old license plate numbers etc if you have movedSmiley Happy.  As if you fail it is a decline no recon on identity.


I've had a couple lenders ask questions going back into the early 90's for ID. It would be just as easy for me to walk into a Union Bank branch and apply if they're going to dig into obscure records that I may or may not remember. 

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($3500), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k)
Message 14 of 16
sjt
Senior Contributor

Re: Us Bank Buying MUFG Union Bank

My family and I had a long history with Union Bank going back to the Bank of Tokyo of California days. It was a good bank until they started to poach executives from Wells Fargo and tried to apply that model to the bank.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 15 of 16
FinStar
Moderator

Re: Us Bank Buying MUFG Union Bank


@ChargedUp wrote:

Anyone recall what CRA Union Bank uses and did they give a choice of cards in their previous mergers? Seems like an easier window to get a Cash + card. (I get mailers from Union Bank about every 4-6 months.)


Union Bank typically uses EX (at least IME). As far as previous mergers, they basically rolled whatever rewards program was available (back when FNBO used to have them).  

 

So, not sure how it's going to pan out on these yet.  As an example, the State Farm Bank CCs weren't rolled or converted into any existing USB products (i.e. Cash+, AltitudeGO, etc).  They pretty much retained their rewards programs and were enhanced once they were integrated into the USB systems (better redemptions options, RTR, etc).

Message 16 of 16
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