I have to say I absolutely love Navy Federal credit union.
I got my cash rewards card bumped to $22k last month. So this month I figured I would ask to have my CLOC increased. I filled out the paper work about 2 hours ago and just got the email that they approved my CLOC up to $15k
All this while I'm carrying about $16k across all of my cards right now (27% UTL) and with my scores at EQ-649 TU-651 EX-652
It is so awesome working on your credit. I still have about 3 negative items left in my credit report. They will all be gone in about 22 months. They are paid just waiting on them to fall off.
2 years ago I started with a secured card from capital one and now I have $66,200 available in unsecured credit.
I'm actually in the process of looking at homes to buy right now.
Current Scores: 11/27/17: [EQ-643] [TU-651] [EX-655]