Give a little with charity credit cards
Credit cards we all have them; in fact these days if you don’t have a credit card and are living in a modern developed city, life can be a little inconvenient. You’ll be missing out on the chance to purchase lower cost products and services over the internet or phone, directly from the supplier. If you plan on taking part in an event, a concert or want to try your hand at selling some second hand goods through eBay, then a credit card is a must have to apply for these services online. In short a credit card is essential for a consumer living in an era of supply and demand, where money is the ultimate symbol of status and power.
While most of us enjoy comfortable lifestyles there are many that are not as fortunate and they don’t all live in undeveloped countries thousands of miles away, many are on your own front door. If you were to browse through the filing cabinets of any charity office you would learn that there are countless children living in squalid conditions with no mother or father to give them support or guidance. That animals have been bought as pets, house trained and then thrown out on the streets when they out grow their usefulness. Or that thousands of people are falling victim to currently untreatable illnesses, such as cancer and AIDS; and some of them can’t afford the treatment to see them through a slightly longer life span. You’ll also know that lack of funding for further cure developments of these illnesses are seeing millions go before their time.
More and more people in developed nations are learning about these issues through mainstream media and have grown heavy consciences in response. In order to give a hand, several large credit card companies have developed charity credit cards. These cards have been linked to a specific charity or organization and a deal has been worked out to give either a sign up donation on all credit cards or a small percentage of each customer’s purchases. If you want to do your part to help those less fortunate than you can make a difference by applying for a charity credit card instead of a regular one. Most have basically the same standard rates as other cards; to give you an idea of what is on offer, here are a few of the most popular options today.
1: MBNA Heart Foundation card – This is a card with a pretty decent deal for both yourself and the charity that it supports. The British heart foundations is a great driving force to helping people young and old with heart conditions, they fund research, help pediatric heart patients and earn money for those that need support with their heart ailment. They offer a 0% balance transfer rate for the first 12 months with no more than a 3 pound transfer fee and the purchase rate is set at 0% for 3 months with the standard APR at 15.9% The charity receives 5 pounds within 90 days of using the card and 25 pence for every 100 pounds spent.
2: UNICEF Credit card – This card helps people a little further from our shores, in less developed countries that have fewer resources than we do. Through using this card you will be able to help people that don’t have access to even the basic human needs such as water, good clothing and a good source of food. This card is also offered through MBNA and offers the same user features above with the APR at 15.9% and limited introductory period balance transfer and purchase rates. The charity will get 20 pounds when you start using your card and 25 pence for every 100 pounds that you spend. Did you know that just 15 pounds can buy enough rehydration salts for 500 young children?
Peter Carville is a freelance article writer who writes for Financial Facts about the current financial news and the credit crunch.
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