If you are sending your payments by mail remember to allow enough time for your payment to get there on time and never send cash. better to repay your charity credit card by direct debit, to ensure you pay on time and miss those late payment fees.
If you are late with your payments interest may be added to your next credit card bill reflecting this. Your late fees can be more than the interest you may pay each month.
The APR is the Annual Percentage Rate. This rate takes into account set up fees, interest rate and other factors included in the lenders agreement.
If you're looking to switch from one 0% APR card to another, start doing it about a Month before your current deal runs out to ensure the switch will be
made in time before you start to pay interest.
Many companies will allow an extra cardholder on your account as long as the nominated person is over 18 years of age. It is your responsability however, to control that spending, as the contract is in your name.
