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Mae'r term wedi cael ei drafod o'r blaen, a'r awgrym a roddwyd oedd 'cerdyn talu'. Fy mhroblem i yw bod y darn yn sôn am "payment cards, including charge, credit, debit and currency cards". Ar Wikipedia, yn yr erthygl ar 'Payment cards', dywedir am 'charge cards' "A feature of charge cards is that the cardholder is required to pay the full balance of the statement amount, which is usually monthly. It is a form of a very short-term loan to cover the cardholder's purchases. The period of the loan is the period between the purchase and the statement date plus the period that the cardholder has to pay the account, a potential period of usually up to 55 days. Interest is usually not charged on charge cards and there is usually no limit on the total amount that may be charged. A partial payment (or no payment) may result in a late payment fee, the possible restriction of future transactions and a potential cancellation of the card." Dwi'n cael fy nhemtio i ddefnyddio 'cerdyn / cardiau cyfrif' a rhoi 'charge card/s' mewn cromfachau wedyn. Wedi'r cyfan, 'buying on account' / 'prynu ar gyfrif' mae rhywun yn ei wneud trwy dalu am nwyddau neu wasanaethau gyda cherdyn o'r fath. Barn? Awgrymiadau? Claire Mae Pennawd Cyf yn gwmni cyfyngedig wedi'i gofrestru yng Nghymru a Lloegr o dan y rhif cofrestru 4276774, a chyfeiriad y swyddfa gofrestredig yw 46A Heol Merthyr, yr Eglwys Newydd, Caerdydd, CF14 1DJ. Pennawd Cyf is a limited company registered in England and Wales under the number 4276774, and the address of the registered office is 46A Merthyr Road, Whitchurch, Cardiff, CF14 1DJ.