Most credit cards, no matter how long approval takes, give you the ability to transfer balances. But only a subset of cards provides an introductory 0% APR to new cardmembers. If you’re considering a balance transfer, you definitely want a card with the introductory offer. Balance transfers help you consolidate your credit card debt so you face only one monthly payment with one minimum amount. It lets you concentrate on paying off the balance transfer card and thereby improve your credit score. Be aware of any balance transfer fees that may be imposed. You can phone a customer rep to request an increase or take the impersonal approach online. Another approach is to simply wait; Some cards, especially secured cards and cards aimed at consumers with bad credit, may automatically offer you a higher limit after you exhibit creditworthy behavior for six months or longer. Whichever approach you choose, always couch the request in terms of why you deserve it, not why you need it. Ammunition for your request can include your spotless record of on-time payments, your higher income and/or lower expenses, your new job, or your desire for a balance transfer. The worst that can happen is that you’ll be turned down — the request should have no effect on your credit history.