Overview. A variety of conditions can cause dark circles or puffiness under your eyes. Genetics, nasal congestion, environmental allergies, eczema, lack of sleep, alcohol abuse, poor hydration and nutritional deficiencies can all contribute to the appearance of dark circles under the eyes, according to MayoClinic.com.
12 months is not too soon to request an increase, but it depends on the lender and your credit score. typically most lenders want you to wait 6 months to a year at the most. the information you provided is rather scarce so i'll offer a little advice in general. if your credit is 650+ i would open another card AND ask for the increase. you typically want around 2-3 cards to boost your credit.
The new law requires that credit bureaus wait an extra 180 days before adding medical debt to your credit report, either as an amount you owe or as a collection. This gives you an extra six months to receive bills, ensure they are correct, and figure out how to remove medical collections from your credit report.