Well I've just checked it out and I am going to apply for a new credit card - Cats Protection Card. I know it is only 25p in every £ spent that goes to them but it is better than nothing and I hate LLoyds TSB which I have got now so I will transfer my balance to Cats Protection. Have also got a Barclaycard but I might change that one too. They also do a RSPCA (cruelty to all animals)card and a NSPCC(cruelty to children) one as well. Makes a nice change to help others with things you would use anyway