Hi everyone, I have been with NFCU for a couple years now. I have the cash rewards card and an auto loan with them as well as checking and savings. I was going to apply for a CLOC to cover a tax bill for 4 weeks but my utilization is around 58% right now (down from like 89% last month). Would I be better off just applying for a personal loan for 10K which would cover the taxes and allow me to pay off all credit card debt or should I just stick with the plan to apply for the CLOC for taxes and keep knocking out credit card balances as I’ve been doing? Any insight on which one I have better approval odds for? Eq 9 was 656 before a couple of accounts updated. May be slightly higher now.