OP I think you have some solid advice here, but I want to take a minute to make a point.
Many people get into a bind because of life's misfortunes and then find themselves unable to obtain high enough limits to BT because of utilization.
I purposely have lined up enough credit with issuers that are free flowing with the BT offers to help if the need arises.
RIght now, I have savings and an emergency fund, but have been a participant in a divorce and economic downturns and ended up in similar situations. Job loss (2000). Pay reduction (2008).
I have seen many on here that might line up the additional credit and then max it out too so self control is a must.
To each their own and not all situations are comparable, but this type of planning ahead works for me.
Good luck OP
I think you and DH are thinking correctly.
After your lower utilization reports try for the Slate first and recon the limit if need be.
Then try for Navy Fed If eligible.
My advice is to not work yourself into a position of having many different payments.
Consolidating to one or two payments is more manageable.
Also i’d Like to point out that the world isn’t falling, but the stress of the debt makes it seem so.
Like ive said, I’ve been there with you. Keep plugging away at it and you’ll be just fine