THE C3 LIVING DESIGN PROJECT

GREEN + REGIONAL FINANCING | Are there really green credit cards you can use that help neighborhoods and small local businesses?

Think it’s hard to be green some days? Credit cards seem to have a serious problem with it. Do you believe it’s possible to divest yourself a little and get a credit card that supports just causes and environmentally-friendly projects? Well, dig up that cash you buried in the backyard, there are actually financial institutions that don’t ever invest in things like mountaintop mining and fracking.

In the Green America article “Responsible Credit Cards” Fran Teplitz, Green America’s director of social investing programs states that when you use one of the very large national or international banks “you’re bolstering all the things the bank’s loans support, from clearcutting forests to new coal-fired power plants to predatory loans. Community development banks and credit unions provide the best opportunity for cardholders to avoid supporting bad practices and to positively impact communities.”

It’s nearly impossible to go through a day without using your credit card. It would be a good feeling to know it’s use benefits a bank that invests in things like equitable community developments, affordable housing, community solar and neighborhood gardens.

It may be hard to change your bank or divest through your retirement account, but changing a credit card can be relatively easy. Check out your options and discover the alternates available. Divest a little…

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C3 Living Design | Creating, Connecting + Curating the Patterns of Life

CREATING | A PATTERN FOR THIS POST

Pattern Name:
Green + Regional Financing

Pattern Purpose:
Channel financial resources to local and regional enterprises, initiatives + institutions that support economic, social and ecological vitality.

Basic Pattern Metrics + Attributes:
1. Use Community Banks for Project Financing
2. Use Green + Socially Responsible Credit Cards issued by Community Banks

CONNECTING | IMPORTANT RESOURCES FOR THIS POST + PATTERN

Here are (3) options suggested by Green America in their 2011 Community Investing Guide:

Broadway Federal Bank Visa
Offered through Elan Financial Services Company, Broadway Federal offers five different Visa credit cards with different rates and terms.
www.broadwayfederalbank.com
ReDirect Visa
Issued by One Pacific Coast Bank, half of this card’s proceeds support carbon offsets through Sustainable Travel International’s “My Climate” program.
www.redirectguide.com/visa
Salmon Nation Visa
One more from One Pacific Coast Bank, the Salmon Nation Visa directs a percentage of the proceeds toward protecting the bioregion of the “Salmon Nation” of the Pacific Northwest.
http://www.salmonnation.com/growsn/snvisa.html
www.salmonnation.com

For more options, see Page 21 of the Community Investing Guide located here:
http://www.greenamerica.org/PDF/GuideInvestCommunities.pdf

CURATING | THE PROPOSED PATTERN INTO THE C3 LIVING DESIGN LIBRARY

Panoramic Category
Capital + Economics (C)

Category Cascade
Region + Bio-region (RB)
Community + Watershed (CW)
Operations + Facility (OF)
People* + Products (PP)

Pattern Cascade
Predecessor Patterns:
#RB 800 | Local Economies
#OF 725 | Green Business
#OF 750 | Community Benefit
#OF 775 | Long-Term Profitability
This Pattern:
#OF 780 | Pattern (Seed): Green + Regional Financing (Operations + Facility – OF)
Successor Patterns:
#PP 725 | Green Procurement
#PP 770 | Product Labeling

Library Details
Visit the C3LD Pattern Library by clicking HERE>
Operations + Facility (OF)
Capital + Economics (C)

C3LD Number Pattern Name Source Pattern Link Note
#OF780Green + Regional FinancingC3 Living DesignLink: This PostSeed

 
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