Hey doinit1 Thank you! I have a question for you. Now that I finally got the refinance through Navy Federal, and I also have a Platinum Card from them for $22,100 and a CLOC for $5000 dollars for about 4 months, do you think I should wait a little longer to pay down some of the debt on my Platinum Card & CLOC before applying for a Cash Rewards Card and a CLI for the CLOC? I used about 45% of the limit and my scores range from about 650 - 680 on all 3. Also just FYI, I applied for CLI for Platinum 91 days after and they denied my request because of my original SL, I believe. Please feel free anyone to jump in if you like. I am itching to apply for that Cash Rewards Card and ask for $15K for the CLOC. 
