You can call and ask about product change, but my understanding is that SDFCU doesn't do product changes. I've been a member of that credit union for over 30 years and the "quirkiness" that everyone refers to is that their systems are basically antiquated. I had an SDFCU platinum card for over 30 years. When I chose to carry a balance, I wanted to set up auto pay but couldnt figure out how to do it online to a non-SDFCU bank account. I finally used their at the time antiquated Account 24 system to set up recurring payments, but the payments were not perpetual and simply ended after 12 months. After I became past due 30 days, I set up the recurring payments for a second year and then went 30 days past due a second time; at that point, they closed my 30 yr old account. Once closed, they would not reopen it. After ten months, I paid the account off in full and am now receiving pre-approval offers for a new credit card with their best interest rates; I just am not interested in reopening a new credit card account with a pre-approval after they closed a 30 year account.
I have two recommendations for anyone who has an SDFCU credit card: (1) set up auto pay; believe it or not, to do that, you call them and have them send you a circa 1960 era paper form that you return to them to initiate the auto pay. In today's world, I never guessed this would still be done when I can logon to any other issuer and set up auto pay online in minutes; (2). they farm their credit card customer service out to a third party in Florida that is worthless for any question more complicated than your current balance or a request for a replacement card. If you have a serious question about your account, you need to call the main SDFCU phone number and then choose on the phone tree that you wish to talk with the collections office. I have never had any account in collections, but the SDFCU collections office is the only staff I know that can answer important questions about your credit card account. As for me, I will probably now stick with Navy Federal and USAA who manage their credit card customer service in-house. I find the biggest benefit of SDFCU is their ability to process incoming and outgoing international SWIFT transfers for a modest cost.
