I bet you get 10K plus with a high APR. I've seen approvals with 85% utility but as all know- YMMV. I've also seen CLIs with high utility at 80+% Everyone's advice is good here. If you apply- you might get denied- (very unlikely with a pre-approval) - will probably get a higher APR and my guess is a good starting limit (likely 10K or higher) because of your income and FICO. You obviously have a long good history with a FICO above 700 and such high utility. I typically don't recommend apping with such a high utility but being that it is NFCU, I say to for it if you wanna get in with them. Good luck with what ever you decide. Sage words from many here. :-)
Starting Score: 642