You applied for the Promise Visa just a couple of days ago and was given just a $1K SL. There’s something on your EQ9 they’re not liking, hence the toy SL. What’s your EQ9 score? Also if the UW told you to request a CLI then might as well do it as most likely they’ll just use the same HP though nothing is guaranteed even the outcome.
Unfortunately, Penfed has been really tight in their UW standards these past 12 months or so. Maybe they’re having capitalization issues or just grim economic forecasts? Who knows. You already took the HP for a measly $1K SL might as well go all in! Worse case you burn another EQ HP and get a “no” from them! But better than a never ending “what if” questions you’re bound to ask yourself later on right?
Be prepared to not just talk credit scores but DTI. I got only 2k with them and they weren't budging. They were concerned with the amount of unsecured debt I had relative to income. My EQ FICO 09 was similar, if not higher than yours. Good luck.