A surprisingly great experience applying for UNIONBANK SCC (Got a real CC instead)

A little background, I [30m] had never got approved for any CC before. I tried multiple times and i never got approved. Im a freelancer who works remotely for a UK based company so I never had any of that traditional documentation for the proof of income which has always been a pain in the ass. I decided to apply for a SCC.

I use UnionBank as my main bank so naturally i got targeted by their promotions regarding applying for SCC. So I tried it. I decided to put 80k PHP into my SCC application that they will hold for a year. I was expecting to get 72k Credit limit. I had over 100k on my account at that time.

Its been a week and i havent heard from Unionbank. Until a branch manager from one of their branches told me since i have over 100k peso on my account he can endorse me to upgrade to a real CC.

I thought he wasnt legit when he reached out but i asked for his email and hes using the official unionbank branded email. So i just trusted him, plus he wasnt asking for any info about my account. He sent me a link for application (URL is a unionbankph.com subdomain, i also did a quick DNS check just to be sure its the actual website domain) and i went through it and he then helped process the application and in about an hour i got approved.

When i added the card reference number to my account i was surprised I got a 100k credit limit as my initial limit!!

If you have like a similar case, where you havent been approved for any CCs before but you have over 100k peso on your UnionBank savings account, let me know i can refer u to my guy. It’s a really surprising experience