I'm in the exact same boat. Just got approved for the CLOC after being rejected in January 2015. I also will use it for next year's tax bill. It looks like I didn't get a hard pull on it. Too bad, I had applied for a high interest discover loan and was denied before applying for the CLOC which I didn't think I'd get. I've piled up the hard pulls due to car purchase, attempt to buy a home, renting an appartment and my loan apps. Still score is around 740. NFCU is great. A bennie for being a disabled vet.
I was instantly approved for the 15K @13.9%. The paperwork arrived today and I sent it right back. No checks arrived.
Scores are in my signature but my AAoA is 1 year and 3 months, UTIL is 21%, and I probably had about 15 inquiries.
Remember that if you don't set up a mobile signature, there is nothing in your signature when someone is viewing on mobile
Great job not giving up when you weren't approved for the full amount at first. Congrats on the full $15k!!