I came accorss this forumn while searching the internet. I am wondring if anyone can give me some advice. I currently have a 32,500 balance with penfed on my platinum rewards and a 25,000 balance on my Line of Credit. I am in desperate need of consolidating this. Does anyone know if PENFED would make an exception to consolidate my balances, or another lender. My CS is a 640 since I have high utilization.