Oct 2015: I wanted to add my wife as a joint account user to my credit card. I submitted the request and somehow they screwed everything all up. They looked up my credit report and opened a brand new credit card for my wife. The damage has already been done on my credit report and now I am having to go through the hassle of fixing NFCU's mistake, again. This isn't the first time I have had issues with NFCU. I had a similar issue in NOV 2014 when they pulled my credit report without my knowledge, apologized for it, and then made the same mistake of pulling another credit report in MAR 2015.