Navy FCU Credit Card Complaint

Navy FCU Credit card department,

Credit line increase/decrease Alabama

I have a Navy Federal Credit Card. Which I 've had for almost two years now. I apll applied for a credit line increase in the fall of last year and was denied. I applied again two weeks ago and was denied again. According to Navy federal I was denied due too excessive credit obligations and delinquent past or present credit obligations with Navy Federal. According to Navy Federal I was 11 days late in - 2016 and 4 days past due - 2016. I explained to the customer service rep. that I had more debt, a lower beacon score and a lower income when I was first approved for this card and I could n't understand why Navy Federal Kept denying me an increase I was even fresh off a BK chapter - when I first got this card. I asked the customer service rep. how could this happen and she could not explain why.