xstayfrosty wrote:I pay my bills WAY before the due date
xstayfrosty wrote:They can also see that I have money WELL OVER $800 in the ban
Neither of those really matter. I recommend reading up on credit scoring. Here's just one resource of many out there:http://www.myfico.com/crediteducation/whatsinyourscore.aspx
Note that when you pay and how much you have in your account do not factor in. Having cash and credit are two entirely different things. There are those with a lot of money and poor credit and those with not a lot of money and good credit.
As indicated above, not only is your account relatively new but your entire credit history is as well.
xstayfrosty wrote:what is a good way to increase your credit limit fast?
There are no quick fixes with credit. It takes time to build. The 6 months mentioned above is a generic rule of thumb but it doesn't guarantee anything. It might help to have 1 or 2 more cards if you can get approved for them but, again, your credit history is still very new.
The usual recommendations for builders and rebuilders are to try credit unions with more lax approval standards and, if needed, to go with secured cards.