"Cold as charity" is a phrase used to describe someone or something that is unfeeling, unsympathetic, or stingy. Synonyms for this phrase could include "heartless," "inhuman," "unsympathetic," "hard-hearted," "unkind," "unsympathetic," and "callous." These words are often used to describe people who lack empathy or compassion for others, or situations that are particularly bleak or hopeless. Using these synonyms can help to convey a sense of detachment or indifference, and can be particularly effective in creating a harsh or unsympathetic tone. When describing people or situations that evoke this feeling, it's important to choose words that accurately convey the severity of the situation, while avoiding language that is offensive or overly harsh.