The way I became rich was by borrowing off anyone that would lend to me. I used to borrow off loan sharks and credit card providers and pay up to 30%+ APR. Now you can borrow at very sensible rates similar to personal loans.
However I have found not only a credit card that offers a sensible rate of 12.9% APR but they will also give 1.25% of whatever you spend to a charity specialising in eliminating HIV and AIDS in Africa. So if you were to raise £10,000 cash from this card they would contribute £125 to this charity.
The true APR of this card is 0% APR if we really think about it. If you want to make a difference to the world consider an American Express RED. Think about it.