Eloquent as always! LOL!
In your case , it just maybe your limited credit before Navy that is making Navy slow dance with ya. Eventually, your 94k and and good payment history will make a difference. Sometimes girls want to be romanced not hit over the head with Caveman Theory
Mike --- Just keep in mind that if you don't use the CLOC very much, or at all, it isn't beneficial to want or need $15K. That goes against your total credit exposure with NFCU. You might get denied for a future CLI on your CCs because it is tied up in the CLOC