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  1. I have had a credit card with navy federal credit union for 7 years my limit is 6k. It is time to renew it because it expires this month and they are refusing to renew it because my credit score has dropped. The card is almost maxed out right now which is bad. I have had 2 late pays in those 7 years and it was just recently. I have had car loans and other small loans with them that I have paid in full and on time. This is my longest running CC if they close it it will just hurt my credit more. Is there anything I can do?? I tried appealing once but they are so caught up on my score they denied the appeal.

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