Thanks all. It will not factor into util, but I don't care. I don't carry much anyway, < 3%.
PenFed has been a great CU. I joined 2 1/2 years ago and started w/ a 10,000 cl. I also have a 25,000 loc. After a few months they started with the preapprovals every quarter. I still have car/boat/personal loans preapproved even after taking the cli.