Part of the pyramiding debt thing is their perception that you have more credit, but that you aren't paying down your total balances due. They want to see those balances go down, not just the util. Give it six months, and reduce your total balances, and then try again .
FICO doesn't keep track of your balances, but I'll betcha that PenFed hangs on to that initial EQ pull and compares when you try again.
I honestly don't know. You might be our guinea pig, er, explorer on that one! I don't remember anyone here with a short history app'ing for their card. Doesn't mean that they don't do it; it's just that we haven't seen it here.
Since you're now a member, with a share (savings) account, you might want to do some sort of automatic direct deposit to the share account from each paycheck, so that they get comfortable with the idea that you're employed, and that you have some disposable income that could be used for paying CC bills. I'm just picking that out of the air though.
The thing to remember about CU's, no matter how big they are, is that they are membership organizations, with the members pooling their financial resources to extend credit to one another. Their employees are responsible for protecting the financial stability of the CU. So anything that you can do to reinforce the impression that you will be a responsible member of this team ought to help. At least some!
That would be a great line in a CU recon !!! The member helping each other pooling the resources, wow !
Actually the whole last paragraph might do in some point of a recon letter.
Whoops, hit enter too soon.
Sadly, my employer WILL NOT do direct deposit. However, as soon as I get everything sorted out, all paperwork and such received, I'm planning to do some kind of automatic deposit at least monthly with them, so hopefully that'll help.