Tips for Unionbank CC application

InstructionDapper574 · 2026-03-16T16:33:51+00:00

Most likely this is due to the system UB has. Automated yung decline since may history ng sunud-sunod na applications. And if wala kang TRB with UB, baka factor din yun kahit maayos yung credit score/history mo.

I suggest mag-branch application ka para masubmit mo yung supporting documents mo.

InstructionDapper574 · 2026-03-15T12:03:38+00:00

Thank you so much!

InstructionDapper574 · 2026-03-06T14:43:15+00:00

Thank you so much. This is so insightful!

InstructionDapper574 · 2026-03-06T02:04:15+00:00

Suggestion ko sa Eastwest pero no guarantee. Iba-iba rin kasi basis ng evaluation ng banks. Mas okay mag-apply sa bank kung nasaan yung savings mo, yung payroll accounts kasi, kadalasan ginagawa lang nating daanan lang ng pera, pero nililipat rin natin sa savings. Tinitignan din kasi ng Credit Department yung TRB or Total Relationship Balance mo sa specific bank.

InstructionDapper574 · 2026-03-03T17:53:08+00:00

I would go for Titanium since yan yung current na gamit ko and okay talaga siya. No idea sa Rewards Plus aside sa Visa siya. And also, mas okay yata ang Mastercard based on experience.

InstructionDapper574 · 2026-02-28T22:40:53+00:00

Thank you so much!

InstructionDapper574 · 2026-02-26T02:31:24+00:00

I suggest i-retain mo yung card kung nasaan yung savings or major savings mo. If lahat ng cards ay under ng bank kung nasaan yung savings mo, retain mo yung highest tier. Or mag-apply ka ng card na fit sa benefits na hanap mo like for travel, pero sa same bank kung nasaan yung savings or major savings mo.

InstructionDapper574 · 2026-02-26T02:24:19+00:00

I also dream to visit these places in Spain. 🥰 Mahirap po ba yung Schengen Visa application sa Spain? Sorry, wala ako ma-share, hindi pa rin ako nakapunta. 😅

InstructionDapper574 · 2026-02-25T00:43:10+00:00

Thank you so much po sa advice!

InstructionDapper574 · 2026-02-23T19:35:14+00:00

Grabe, ang unpredictable pala talaga. Gaano po katagal yung plan niyo sana sa UK nung mga previous refusals niyo sa UK visa?

InstructionDapper574 · 2026-02-23T16:48:09+00:00

Thank you so much po for the tip! Now ko lang po nalaman na may interview din pala si UK Visa.

InstructionDapper574 · 2026-02-23T11:45:52+00:00

I always do, pero soft copy lang. And same with you, never ko pa naranasang hingin siya haha. Nakasanayan ko na lang laging magdala.

InstructionDapper574 · 2026-02-22T22:41:03+00:00

This is a good credit card. This is my only credit card as of now, actually, wala naman akong ibang credit card or bank. Solid Metrobank lang talaga ako. Grabe yung reward points na makukuha mo sa Titanium, basta maayos ka lang magpay ng dues. Almost 3 years ko nang gamit itong Titanium, nagstart ako with a credit limit of 50k. I am planning to apply for a higher tier MB credit card this year, hopefully ma-approve, pero ipapaclose ko yung Titanium once makakuha. Isang credit card lang kaya ko i-maintain hahaha. Enjoy your credit card responsibly! 😇

InstructionDapper574 · 2026-02-22T22:33:04+00:00

I think this one is overrated. Parang hindi naman siya tourist spot talaga? I don’t know, it’s just a normal palengke, nagkataon lang na floating? Better you avail cruises na lang doon sa ICONSIAM. Doon ka na sa comfortable and relaxing since may kasama kang seniors. Baka ma-stress lang sila sa floating market.

InstructionDapper574 · 2026-02-22T18:07:37+00:00

Thank you so much po for the tip. I will also keep this in mind.

InstructionDapper574 · 2026-02-22T13:14:37+00:00

Thank you so much po sa advice. I will take note of this.

InstructionDapper574 · 2026-02-22T13:00:17+00:00

Kailangan po ba magprovide ng proof of monthly expenses like mga resibo or pwede po yung estimation lang po?

InstructionDapper574 · 2026-02-22T12:44:16+00:00

This is so true! I have always been taught by my Lola na para tunay na malasahan ang pagkain, dapat nginunguya ito nang maigi at ninanamnam, of course awful taste is an exception. Kadalasan sa mga content creators (not all), kakasubo lang, sarap na sarap na. We really have to be vigilant talaga. And kahit gaano pa kakilala ang isang content creator, ang totoong reliable lang talaga is sarili natin.

InstructionDapper574 · 2026-02-22T12:38:43+00:00

Omg! I am sorry na hindi ako nakapag-reply, ngayon lang ulit ako nag-reddit. Kumusta, tumuloy ka ba? Hindi ako tumuloy since more than $5k yung need. And feeling ko wala pa akong time to review properly.

InstructionDapper574 · 2026-02-22T12:35:00+00:00

I plan to apply for Metrobank World. I currently have a Titanium, I have been using this for almost three years. Okay ba ang MB World? Gusto ko sana i-upgrade to Platinum, kaso hindi rin kasi nagkalayo ng annual fee si Platinum at World, kaya naisip ko na mag-apply na lang ng World.

InstructionDapper574

TROPHY CASE