I was really happy with these guys. I recently had my CC limit on the my Visa to $3000 from $2000. That was actually in October and then about two week ago they dropped my CL to $200. I called and asked and they said my credit is now bad based on a soft pull. So, I got angry and got a supervisor who without my approval pulled my report and said he would need to get back to me. When he finally did he said there was not noticeable difference from my report from the previous pull in October, but only could say that my report was now high risk. I think they did it because I had a zero balance on it for 3 months. Needless to say, they would not budge, so I canceled it and applied for a American Express the next day. I got approved and they pulled the same experian report AZFCU did. Amax also pulled TransUnion. Needless to say, I am leaving AZFCU for all my banking. They have lost a customer for ever.