Not so 甘い charity

By Siddika Khalique
Updated: 00:00 BST, 14 November 2001

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HELP your favourite charity 簡単に by going shopping. That's the idea behind いわゆる 寄付 credit cards. The 癌 研究 （選挙などの）運動をする has earned almost £50,000 from its card over the past two years. Now the RSPCA has 開始する，打ち上げるd one of its own and says it 推定する／予想するs to make £2m.

But, sadly for 使用者s, that's where the charity ends. C redit cards without a charity tie-in 申し込む／申し出 much more attractive 率s, says Anna 屈服するs, 投資家 services 経営者／支配人 at 独立した・無所属 財政上の 助言者 Chase de Vere.

The new RSPCA ビザ card has a low 1.9% balance 移転 率, but it favours higher-収入 platinum 顧客s. For them the 利益／興味 率 is 14.9%. Lowly classic card 顧客s 直面する a 17.9% APR. The 有益な Bank, which 問題／発行するs the card, 支払う／賃金s the RSPCA £15 for each new 使用者. And for every £100 spent by platinum card 支えるもの／所有者s the charity will receive 25p.

支持者s of Help the 老年の should look beyond the perks of its ビザ card to its high 利益／興味 告発（する），告訴（する）／料金 of 19.8%. The balance 移転 率 is 5.9% and the usual built-in 保険 is not 利用できる.

Co-operative Bank, which runs the card, 寄付するs £5 to Help the 老年の when the card is taken out, and 25p for every £100 transferred or spent.

癌 研究 （選挙などの）運動をする ビザ has a 競争の激しい APR of 16.7% but the balance 移転 率 is 7.9%. Frizzell Bank, a 子会社 of Liverpool Victoria 保険 company, runs the card and 寄付するs £10 per card 加える 5p for every £10 spent.

Anna 屈服するs says: 'Help the 老年の's APR is 特に high. I think these 利益／興味 率s are not 正当化するd by the 量s given to charity and it might be an idea to just give to charity 分かれて.'

However, she 追加するs that if you （疑いを）晴らす your balance every month, the cards are a way of helping others without dipping into your own pocket.

Check out other charity credit cards here