Rarely or never clears the full credit card balance every month
You use your credit card regularly but it's not often you repay the balance. It's probably worth considering a card with a low standard rate and introductory purchase rate. It's also worth considering switching credit cards. There are plenty of cards that offer double deals for balance transfers and introductory purchases, often at 0% for both. The rates and period for which the rates are available can vary so it's worth looking at what's available before making your application. If you decide to go for a card with a low introductory rate then you need to make sure that you're ready to look again when the introductory period expires or you may get stung again when the standard rate kicks in.
