I've had a Wells Fargo credit card since March 2012 with a limit of $300. I have 1 hard pull on my account from a reject Bank of America card from around Feb/March 2012. I have no other utilities or cards associated with my account. My utilization is really high (~50%) because of the low credit limit.
My Credit Karma score is 719. Equifax for some reason can't pull up my credit information and FICO said they can't confirm my identity so I can't get a score from them. I think it's because I'm just establishing my credit right now...
I was wondering what my next move should be. Should I apply for another credit card - I'm thinking Bank of America since I have an account with them now (I didn't when I first applied). Should I ask Wells Fargo for a credit limit increase? On their website they say I should wait for a 1 year. Is this a hard and fast rule or do you think they'd be okay if I request them now?
I'm a student in the middle of a gap year and I make around ~$1000 a month but I'm headed back to school in January and won't be working then. I feel like I should take advantage of the fact that I have some income now and apply for a card.
Any ideas? I'm so lost