Articles & News About Your Credit

How To Help Animal Charities With Your Credit Card

Britain is a nation of animal lovers, so it's not surprising that there are many charities set up to look after old, sick or neglected animals. Donations to these charities can be made by supporting events, by setting up bank direct debits and by using cash. Making credit card payments is another way of supporting a charity. This has been made even easier with the appearance of charity credit cards. These are credit cards that have the badge of a particular charity and are supported by well known banks.

Credit cards for animal charities include the Battersea Dogs Home, the British Horse Society, the Royal Society for the Prevention of Cruelty to Animals, the Scottish Society for the Prevention of Cruelty to Animals and the People's Dispensary for Sick Animals. Charity credit cards are backed by banks such as the Cooperative Bank, Halifax, the Royal Bank of Scotland and others.

Giving To Charity With Charity Credit Cards

Most charity credit cards contribute to charities in two ways. First of all, they offer a one-off donation of a fixed sum of money when a new credit card account is opened. This sum can range from ?5 to more than ?40 depending on the deal offered. If consumers continue to use the credit card within a particular period (for example six months to one year) a second lump sum contribution is paid at the end of that period.

Payment is also made through ongoing contributions to the chosen charity. This is normally a percentage of any spending on the card. The percentage ranges from 0.25% to more than 1% depending on the deal.

How To Choose The Best Charity Credit Card Deal

1. Charity credit cards boast many of the same offers as other credit cards. These may include: 2. 0% balance transfer rate 3. 0% purchase rate 4. Low interest rate 5. Reward points 6. Other incentives

Consumers should note that 0% balance transfer and purchase rates are likely to be for a fixed period of between three months and a year. Most card issuers will also charge a fee for balance transfers (around 2%). This is designed to make sure that credit card companies do not lose out on interest as consumers move from 0% card to 0% card.

In addition to the charitable contributions, charity credit cards may offer card holders incentives such as additional travel insurance, reward points that can be exchanged for cash or vouchers and much more.

Look online to find credit card comparison sites. These will help consumers decide on the best mix of incentives, charitable contributions and interest rates to suite their spending habits. Once your new credit card has arrived, just start spending to start giving to charity.

Charity credit cards offer an advantage for people whose heart is in the right place but who just don't remember to dip into their pockets to make a donation. These credit cards make it simple to donate to your favourite charity every time you spend.

Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.uk

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