Jasmine Khetarpal (IDENTIFICATION CLERK)

Therapist’s Perspective on Toxic RelationshipsAs someone who’s seen clients struggle with toxic people, here’s my advice:- Identify the Problem: Toxic people often manipulate or drain you emotionally. Notice patterns like feeling worse after talking to them.- Gradual Distance: Slowly reduce contact—reply less, avoid meetups. If they push back, stay calm but firm: “I’m prioritizing my mental health.”- Go No-Contact if Needed: For extreme cases (e.g., narcissistic behavior), block them completely. It’s not rude—it’s self-preservation.- Seek Support: Talk to friends or a therapist to stay grounded. Journaling helps clarify your feelings.- Focus on Growth: Replace toxic connections with healthy ones. Join clubs or groups aligned with your interests.You’re not alone—cutting toxic ties is a step toward a happier you!

Detailed Guide to Securing a Union Bank Credit CardGetting a Union Bank of India credit card involves a few steps, but it’s manageable with the right preparation. Here’s a comprehensive guide:- Step 1: Confirm Eligibility: - Age: 18-65 years. - Residency: Indian citizen or NRI (specific cards). - Income: Minimum varies (e.g., ₹15,000/month for basic cards, ₹50,000 for premium). Salaried or self-employed are eligible. - Good CIBIL score (preferably 750+).- Step 2: Select the Right Card: - Visit www.unionbankofindia.co.in > Personal > Cards > Credit Cards. - Popular cards: - Visa Signature: Travel perks, lounge access. - Platinum Card: Reward points, fuel surcharge waiver. - Rupay Select: Cashback, wellness benefits. - Compare annual fees, interest rates, and rewards to match your lifestyle.- Step 3: Apply Online: - On the website, click “Apply Now” for your chosen card. - Fill the form with: - Personal details (name, address, contact). - Employment details (salary, company). - KYC documents (Aadhaar, PAN, passport). - Income proof (salary slips, ITR for self-employed). - Submit and note the application reference number.- Step 4: Alternative Application: - Visit a Union Bank branch with: - ID proof (Aadhaar, voter ID). - Address proof (utility bill, passport). - Income proof (recent salary slips, Form 16, or ITR). - 2 passport-size photos. - Fill the physical form and submit.- Step 5: Verification Process: - The bank checks your CIBIL score and documents. - You may receive a call or visit for verification.- Step 6: Approval and Delivery: - Approval takes 7-21 days, depending on verification. - If approved, the card is mailed to your address.- Troubleshooting: - Low CIBIL score? Improve it by clearing debts before applying. - Application rejected? Contact customer care (1800-22-2244) for reasons.- Pro Tip: Start with a basic card if you’re new to credit. Set up auto-pay for bills to avoid interest and boost your credit score.Enjoy the perks of your new Union Bank credit card!