I have them, but don't recall hearing much about the utilization part of it. I can only suggest searching the threads to see if you find anything there.
Penfed traditionally hates high utilization around their CC's; however, around a personal loan, especially one for CC debt consolidation purposes that may not count and they did really loosen up their UW a year and change ago.
I'd talk to them at any rate, if I do come up with a similar situation they're on my list of "Good CU's" to socialize my need with.
