It’s Bank Credit Card Junk Mail Season Again!
The paper avalanche begins at my home in South Jersey. It’s January, and along with the cold, snow and wind—plus post-holiday bills—comes the inevitable volume of bank credit card offers. Hooray!
Yesterday’s mail represented the normal credit card promotional mini-avalanche: five offers—two from national banks, and three from major regionals. In reviewing the promotions, they are pretty typical, pretty similar in positioning and messaging, and all pretty much hit several of the following, non-personalized, push offer components:
- Cash back on a quarterly/annual basis
- Cash advances
- Tie-ins with bank branches
- Periodic purchase summaries
- Online payment apps
- Rewards and gift certificates
- Free or discounted merchandise
- Low introductory APR interest
- Free/low cost balance transfer
- No foreign transaction fees
- Instant approval
- Worldwide coverage/acceptance
- Frequent flyer miles and travel rewards
- Low annual fee/no annual fee
- Associated banking, brokerage and payment services
Look familiar? Today, I received three more mail credit card offer promotions, looking much the...
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