<prompt> Human: I was thinking about getting a credit limit increase on my main card. I dont really need the increase, but it might come in handy someday. I dont carry a balance.Right now I have the biggest balance Ive ever had on the card; around 25 of my limit. Some is on this months statement and some is on next months. Would it be better to wait a few months until I pay the balance, or doesnt it matter?  <response>: Ive been offered limit increases without asking after regular use while paying off my card in full. Pre-approved so there is no worry about it affecting my credit rating. Perhaps wait as well? 