I have been a member of the credit union for years and typically carry a savings balance in the tens of thousands of dollars. This said, I don't use or otherwise have a need for credit cards.
Unfortunately I trusted all my eggs in the JSCFCU basket. On a recent trip overseas (to one of my residences in credit union records) my Visa card was frozen the day I was to return to the US. I had no access to my funds to purchase airfare. JSC's after-hours international "emergency contact" information goes to a call center in the Philippines who could provide zero assistance other than to give me JSC's main telephone number to call during business hours.
Unfortunately, this occurred over a holiday period such that the credit union wasn't open.
Lessons learned: 1) don't trust JSC to have an effective means of resolving after-hours issues that are legitimate significant problem for a member; 2) diversification is still necessary in the modern era.
Reason of review: Poor customer service.
Monetary Loss: $450.
Preferred solution: Let the company propose a solution.