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 notification must be sent to you within 30 days before or after reporting. A creditor may assign to collections at any time, though, the accepted norm is 180 days, with 90 days on others. Though you will want to speak to a supervisor at Verizon, know now the reps will give you static. Plus, you will have to hang up and wait for one to call you back. Most do not care, period.