While some have been handed the dirty end of the stick by Penfed there are an equal amount that havent...and with better AND worse credit positions. I started my relationship with Penfed April 2018 with an EQ HP for membership and another EQ HP for a CC. I got the max 10k for new members with an EQ Bankcard 9 score of about 720. My overall UTIL has hovered around 15% across all accounts since then. They offered me a CLI on the site at the 10 month mark and bumped my card up to 14.2k. Just a few weeks ago (so 14 months into a relationship) I appd for a new CC and got 15k with an EQ Bankcard 9 score of 752. Lots of INQ, about 9/24 and 5/12 for new accts. Credit unions truly are strange birds.