Navy Fed has 50k for util across all cc lines, no? Do you have 1 card with them, or do you have more?
I've noticed it's easier to hit that 15k NavChek line than to max out cc amount. I'm at 15k NavChek and at 44k total across 2 cards with them. I'm about to do a product swap to the Flagship card so that my max will be 80k across 2 cards instead of 50k. I am thinking this might get them to bump me up after the holidays when I pay my cards down below 10% util. 
