Union Bank Credit Cards

PLEASE BEWARE. THIS IS ABSOLUTLY THE WORST BANK IN HUMAN HISTORY. THERE TRAPPED IN THE 90"s. COSTUMER SERVICE IS A JOKE. THEY OFFERED REWARDS AND CANT BE ACCESSED, BECAUSE OF THE OUTDATED PROGRAMMING. YOU CAN KEEP THE REWARDS. CANT WAIT TO CANCEL MY CARD TODAY TO SAY GOOD RIDDENS. DONT EVEN DESERVE 1 STAR.

This card and company are stuck in the 90's and not worth it. They have no app for ease of access to your account. When applying, I got no indication whether on not I was approved. After about 3 weeks, I just got a letter and welcome packet with the card.

They only send a check for balance transfers. This means if you need to pay something off in less that 3 weeks, you're at the mercy of the post office. They have no way to set a custom amount to pay monthly (especially important if doing a balance transfer.)

If you want to set up auto-pay for a balance transfer, your options are to pay the full amount, or the minimum monthly amount, which is $0 since there is a promotional no interest period. This means the only way to pay a custom amount is to call or go to the website every month to pay on the card.

Customer service is snippy and seem irritated to answer questions. Save yourself the headache and just find a balance transfer card that charges 1%

I got my credit card for the balance transfer offer that was sent over, where first 60 days promotional offer with 15 months of 0 APR, I requested the balance transfer and it never went through, the transaction was reversed and the bank has no reason why that occurred and even after following up every 2-3 weeks I was not given any update on the balance transfer, Time energy and money wasted

This was a very quick and easy process. I filled out a short one page application and was approved within seconds. I was also able to submit my balance transfer immediately. If I actually get the card within 7-10 business days as stated and the balance transfer happens then this is the best credit card experience I have had.

It works for me and my lifestyle although it may or may not work for others needs or lifestyle. Union Bank and I have a longstanding relationship and it's one that I am glad to have.

I own this card and when I reported fraud transaction, they just sent another card but did not return my money back. It does not have a feature to lock / unlock cards.

Applied for Zero percent on transfer credit card. My fico score is 813. (Exceptional). Received letter that I was denied due to “could not verify information”. That’s it. Never called me, sent letter or anything asking me for proof of anything I put on my application, which of course is all verifiable. No contact info for them on rejection letter. Called general help number, got the run around, and then was transferred to a person who said I should stop in a branch office as she does not have access to my info. I told her I lived in Ohio, and they only have branches in California and Wa. (I applied on their web site) She repeated the exact same thing again. Stop in a branch office. I think this bank is a scam. They don’t want to lend 0% money to people that pay their bill on time. They want those that don’t so they can automatically jack your rate to 25%. Be careful.

The card is useful in that it provides a 0% intro balance transfer fee for the first 60 days.
BUT there are a lot of quality-of-life things that I think need to be improved upon with the card though. If you're looking to transfer balances quickly then this card will not be for you.

Application - If you don't get an instant acceptance it took me 10 business days to hear back about the application then another 3 days to receive the card. During the 10 business days, they didn't provide any update such as, "we received your app", calling into their support line yields no information as well as they'll just tell you that no account exists for you yet. After the 10 days, I received an email saying welcome but until then I had no idea what was going on with the application, much less if they even actually received it either.

Once you receive your card you'll activate it on their website. Their credit card website is... bare, to say the least, and it almost feels like it was made by a novice developer in the 2000's and it was never updated after that.

To actually make a balance transfer, you can't do it through the website either. You need to CALL in then provide the Institution name, Account number, Check mail to address, and amount. Then what they'll do is they'll mail in the check to the institution on your behalf. The rep said this will take approximately 2-3 weeks so if you're looking for a quick turnaround then you may be better off going for a card like the Slate or Citi Simplicity as those can all be done online and completed in maybe over a week.

Overall, if you have a high balance you need to transfer to pay off easier then this card does have its benefits, but if you're looking for a quick transfer then this will not be the card for you. A lot of the process is manual and a bit archaic along with a barebone website for maintaining the card.

3 stars because while it does what it needs to and provides a good perk, the overall steps needed to access and utilize the balance transfer perk is a time-consuming and manual process requiring you to call into their support and waiting for them to mail the check to the institution.

Fraudulent charges reported to company and charges still show on my account. I would like this matter to be adjudicated as soon as possible. Not happy with the handling of this matter.

it does what it's supposed to, I mean it's a credit card lol. It sucks it doesn't have any rewards or cash back, but these suckers won't give me another card...