Bellco Credit Union review: Credit card charges

I have been a customer for 26 years and this credit union is awful. They sent me a text on the large charge for a "yes" or "no" to authorize. I texted back shortly and same day "No". They authorized anyways for vail resorts. They have no customer service that can help you. They mess up charges all the time on my account and then they put it back on you to resolve. They want disputes in writing? What is this the 80's? They are not competitive on loan rates. Credit card has no rewards and a high APR.