I know this post will rub some people the wrong way because they are absolutely infatuated with NFCU, but I truly feel that NFCU's easy approval guidelines and high limits clouds a lot of people's judgments.
Not to far into my post bankruptcy, they were obviously the only one's who would give me a high limit.. a very high limit at that. I was absolutely in love with them. I thought, there could be no other bank or credit union that is as good as them. They could do absolutely no wrong in my eyes. After a few years had past, and I obviously started getting credit cards with limits equal to or greater than NFCU.. I started to realize, their customer service really is awful..
Numerous times in the past few months I've contacted them with an issue, and the reps (MOST of which were polite), basically told me to pound sand. The first issue was the line of credit APR for sequestered federal employees. One rep told me one thing, the next rep told me something completely different, and then the final rep told me no. I then get a letter in the mail the next few days contradicting all three. Then I contacted them about my APR on my credit cards. I've had two out of the three for quite some time already, so I figured why not ask? The rep told me I didn't qualify. I asked her why, she couldn't tell me. She told me I couldn't ask again for another year. I told her that would've been nice to know before you submitted the request. I called once again concerning my credit card limits. I wanted to combine them all as I've read many people here have. The rep I talked to didn't know what I was talking about and that it was impossible to do that.
These are a few of the phone calls I've had with them recently. I'm not saying their reps were rude, although a few were.. but for the majority they are nice and polite. I do feel as if they have no discretion whatsoever though. I also feel like they aren't trained enough because every time I call, no matter what it's about, I get a different answer.
Anyone else have a similar experience?
I can only think of the saying we use here a lot .... YMMV
NFCU was the first CU to give me a great CL. Not all their reps are knowledgable and that applies to practically all banks. I had two car loans with them and last year called them to get an APR reduction. Was flat out denied, so like the 'frugal' shopper that I am, I went somewhere else and got 1.49% for both cars. I thnk as frustrating as it is to talk to several reps, I take comfort that i have a lot of knowledge and I can make educated decisions for myself.
If at the end of the day, I know what, I'm talking about but i'm still not successful, I just go elsewhere. But I understand your frustration.
I don't hold any bank for that matter to be the best. But I do like the ones who at least are polite in their approach.
NFCU has been great to me as well for extending me awesome CL's when no one else would. So when I joined and applied for credit, that is all I was looking for. I didn't expect awesome customer service and that's because I had that one goal in mind. I have achieved that goal and exceeded it with them so for that reason only, I rate them tops in my book 
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As for their CS, well all I can say is that they have been very nice but not consistent on thier policies and procedures.
I think NFCU just HP'ed me just for posting on this thread ...ouch wait this is my second post, darn it another HP on TU .............. 