Discover Bank: An Email from Discover, Or Is It?

I recently received an email from Discover Bank (probably) about adding a layer of security to my account -- and about some other basic ways to keep my account secure.

Email from Discover Bank (probably)

The email itself is informative enough. The subject line reads, "Marc, do you know how to keep your account safe?" The subhead reads, "Learn how to spot bad actors before they spot you." And the body of the email includes all the typically scary Be-Careful-And-Don't-Trust-Anyone-Else language.

But...

The footer includes a reminder to "Add DiscoverBank@bank.em.discover.com to your address book to ensure delivery of these emails." 

The email was not sent from that email address or even from the discover.com domain. The sender is dfscorpor-Unbranded2 <dfscorpor@dfscorpor-2.rsys5.com>. Now, maybe that is a legitimate email address managed by Discover, but it seems like one of those scammer email addresses your father warned you about -- and that undermines their intended message of trust.

So, maybe if you're trying to create trust with your customers, you don't start by making them paranoid.

Lesson:
Consider what you are using as your send email address, especially when sending emails about account security.

GE: UltraFast Postcard Fail

I recently received a postcard from GE that merits several Fails for Content. 

The front shows an androgynous person in a high-end walk-in closet doing laundry. She is smirking at her laundry machine while either preparing to put towels in or recently having removed them. "This is not just laundry," cries the headline, "This is One & Done."

On the address side is a picture of two laundry machines -- presumably run by an app. There is very little copy on this side, only, "Wash + Dry with the UltraFast Combo," with a Call to Action to visit a specific appliance store.

As executed, this postcard has multiple Fails. Let's break down why it was a waste of money.

Confusing Audience

The front of the postcard shows someone in a combination utility room and expensive closet, with more athletic shoes than you can count. The room looks pretty expensive, like it is in the house of a one-percenter. It certainly doesn't look like this is a typical personal using a typical machine. So a typical consumer might look at the person and room and think they couldn't afford whatever the postcard is advertising.

Misleading Product

The address side shows not one, but two machines, visually suggesting that this is a washer-and-dryer combination set. It isn't, through, the picture is actually of two of the same one-piece washer/dryer appliances -- one has a stand. A typical consumer would have to look and think hard to recognize this, but they wouldn't bother. They'd likely look at the postcard fore about three seconds, then toss it.

Uncompelling Benefits, No Urgency

The communicated benefits appear to be the ability to wash and dry by using an app. Maybe that's enough to motivate a consumer to visit a website in the comfort of their own home, but it is not compelling enough to get a consumer to schlep to a store. After all, this is a low-interest category for a major purchase. Why not include an offer, such as $100 rebate for this $2,899 machine if the consumer brings in the postcard within 30 days? Even a modest incentive with a reasonable offer expiration date supports some action.

Incorrect Location

Finally, this postcard gets the store location wrong. The Hoing's Appliance location near me is in Forest Hills, not the Bronx physical address shown on the postcard. In fact, the web address on the postcard is for Forest Hills location, while the Bronx location has a different web address.

Lessons:

1. Explain your product. Clearly communicate its benefits.
2. Support your mail with online content to explain your product benefits.
3. Give the customer a reason to take action soon.
4. When directing a customer to a physical location, share the nearest location.
5. Check every URL listed in your mail.

7-Eleven: Wing Wednesday After Dark

Last Wednesday, I received this email from 7-Eleven touting “Wing Wednesday” with an offer for cheap wings. Is this Mail That Fails?

With a subject line of “It is Wings Day, my Dudes,” it seems like there is a special price on wings that particular day. That impression is bolstered by text saying, “Celebrate with some wings for less.”

Wing Wednesday email

Plus, the picture prominently displays, “WING WEDNESDAY” in the background and body copy touting, “You made it mid-week!” These both suggest that the 5/$5 Bone-in Wings is available only on, well, Wednesday.

But the email was sent to me at 10:25 pm on Wednesday, and no matter how much I might love wings, that seems a bit late in the day to be prompted for a mid-week wing order. So is this a Fail for Timing?

Maybe not. Down in the Disclosures, we learn that the wings offer is valid “thru” 1/9/24. So, it appears that I could enjoy these 5/$5 wings on a Thursday or on any other day over the next few months. Perhaps this is a bit of a Fail for Creative because it might mislead readers into thinking the offer is valid only on Wednesday -- putting a damper on responsiveness.

Finally, is 7-Eleven using “thru” rather than “through” to be informal and relatable? I don’t know.

Lessons:

1. Align the timing of your emails to your message.
2. Consider when and where it is appropriate to use informal language.

Numerix: Your Excitement Is My Boredom

I recently received a B2B email announcing “exciting news,” and it piqued my interest in all the wrong ways -- meriting a Fail for Content and perhaps even for Targeting.

First of all, the email is from someone at Numerix I don’t know and who I’ve never met, contacted, or connected with, and at a company I’ve never heard of. Yet this person sends me an email that opens with “Exciting News.”

Then, the email uses so much financial jargon that even I can’t figure out what it means -- and I work in the financial industry. What does Numerix do? What can it do for me or my employer? I don’t know, but I guess the acquisition helps them address a bunch of stuff I don’t care about.

I guess this is exciting for Numerix but, without any value proposition, this is simply a press release with several typos.

Lessons:

1. Do not assume your reader knows your company.
2. Do not assume your customer understands your jargon.
3. Avoid acronyms.
4. Use every sales and promotional contact to reinforce your value proposition.
5. Proofread your communications.

Hey Abbott! I Wish I Knew Why You Missed Me

I recently received this email from Abbott, the makers of NAVICA. It merits a Fail for Content.

The email explains that it has been almost a year since I logged into NAVICA, and my data will be deleted after a year of inactivity. What it doesn't explain is what NAVICA is or why I may have had an account. I mean, if I haven't logged in for a year, would I remember what it is?

I'm glad that my data won't be lingering around Abbott's database forever; however, it would have been useful to explain why the information will be deleted.

Here is a potential opening paragraph rewrite:

Hello,

It has been almost a year since you last logged in to NAVICA, the leading digital platform for supporting COVID-19 testing.

To ensure data privacy, we have a policy of deleting customer data after one year of inactivity. This means that, if you do not log in to your account by <date>, your account will be deleted.

Lesson:
Explain your product in every communication, even a customer service communication.

Dunkin' Rewards: America Runs on Loyalty Programs With Correct Information

Dunkin' recently overhauled their Dunkin' Rewards loyalty program. Some regular customers are not pleased. Coffee rewards that used to be available after spending $40 on coffee now require at least $50 in spend. The program has also become more complex, with a different points earning formula, monthly boosters and a greater emphasis on food. With greater complexity comes greater risk of error.

I would describe myself as an occasional coffee achiever. I might stop for coffee early in the morning when walking the dog, but not that often. I currently have 257 points according to my app -- not enough for one free coffee.

Screenshot showing I have 257 points

So, imagine my surprise when I received this email. 

Points amount email
34,438 points = almost 69 free coffees!

The points value in the email is not only incorrect, it is outrageously wrong. Why would anyone hold on to 34,000 points?

In a prior role, I worked on a loyalty program mailing that included a mention of a customer's point balance. Here are some of the quality control steps I took:

1. Verified output data against source data
2. Verified lettershop proofs against both source data and output data
3. Requested manual review of customers with points balance more than two standard deviations above the mean against source data. 

Perhaps Dunkin' skipped step 3 above. What they could have done is ask themselves something along the lines of, "Who in the email communication appears to have enough points for more than 10 of the top points item? Should that really be the case?"

Lesson: 

When sending personalized information, verify the accuracy of all variable data including outliers.

PayPal: Where $1 Cash Back For Every $20 Spent Is Less Than 5%

Since last July, the value of PayPal stock has fallen by about 75%. While many analysts are discussing the company's "fundamentals" and suggesting at what price to purchase the stock, I'm staying away for a different reason -- because they often produce Mail That Fails. 

My first post about PayPal's several Fails was in 2011 when they mailed me a shoddy credit offer. There are a few more, including a recent one about a confusing and poorly targeted Venmo offer. Now, add to my list of PayPal Fails this offer of "$1 cash back for every $20 spent at restaurants." 

PayPal Cash Card Restaurant Rebate Offer
Received May 9, 2022

Scanning the headline might make you think that going out to lunch four times -- spending $25 each time with your GooglePay app to use your PayPal balance for those lunches -- would earn you $5 cash back ($100 divided by $20 equals $5). But you'd be wrong…twice. The offer requires me to first request a PayPal Cash Card, then receive it in the mail and use it at a restaurant. All within 5 weeks of first receiving the offer – some of which is spent waiting for PayPal to process my request for the card. That's a lot of effort and a short window of opportunity for a small benefit, e.g. a Fail for Offer. 

PayPal could have easily avoided this by using a rolling offer expiration date. For example, PayPal could require the customer to request the card by a specific date, but then give the customer a reasonable amount of time to use the card after activation, say, 60 days. That would be clear to explain and fair to the customer -- unless, of course, the intent is to make imply the offer is more generous then it actually is.

Which leads me to the actual offer value. I read through the disclosure text a few times, and I'm pretty sure that cash back offer is on a per-transaction basis. So, while each purchase of $25 would be worth $1 cash back and a $100 dinner might net $5 cash back, four lunches adding up to $100 would be worth only $4 cash back. If I'm right, this is a Fail for Offer and Content for being misleading. If I'm wrong, it is a Fail for Content for lack of clarity.

Another Fail for Content lies in the disclosures. It appears this disclosure was rushed and not proofread. Take this paragraph, for example:

"Eligible Purchase(s)": Eligible Purchase is defined as every $20.00 USD spent in-store or onlineusing the Card and finalized by the merchant during the Offer Period (defined below) in thefollowing category: restaurants (according to the Merchant Category Code (“MCC”) assigned byeach merchant, their processor, and the credit card networks. Only acceptable MCCs for this offerare 5812 and 5814). PayPal is not responsible for assignment of MCC codes. As a result, Reward willnot be awarded if the MCC code assigned to a particular merchant does not fall within a restaurantcategory, even if you believe that the merchant is a restaurant. Eligible Purchases do not include:(1) purchases that are marked as “pending” in your Card account as of the end of the Offer Period,(2) purchases made at eligible merchants using a third-party delivery service (3) ATM transactions,(4) gift card purchases, (5) any purchase or portion of a purchase that involves a payment methodother than the Card, or (6) in-store cash withdrawals/cash back. 

Spaces are missing between words. The punctuation is inconsistent. Some numbers in parentheses have spaces before them; some do not. There’s also a missing comma after "service" in the last sentence. 

There are references to "e-mail" in some paragraphs and "email" in other paragraphs. According to grammarly.com, both are correct as long as you use it consistently. PayPal is not being consistent.

These types of possibly misleading offers and unclear communications suggest to me that PayPal's leadership is spending their marketing dollars without full consideration of what they are doing and how they are doing it. As a stockholder, that would frighten me. As a customer, that also scares me a bit. If I can't expect to get a clean offer and clear communication, should I really be trusting PayPal to keep my personal information secure?

Lessons:

1. Clearly communicate your offer.
2. Allow your customers adequate time to respond to your offer and benefit from it's value.
3. Proofread your entire communication, including your disclosures.
4. Your customers' trust is potentially built or destroyed by every communication.
5. The debate between "e-mail" and "email" isn't over, but at least pick a side.

BCHP: A hard-to-find doctor for my non-existent child

When someone asks me if I have children, I sometimes joke, "None to my knowledge." In that context, when I receive a postcard asking me, "Looking for a pediatrician or pediatric specialist?" I have to wonder if someone knows something I don't.

Maybe I do have a child. Maybe my wife has a bun in the oven. Or maybe the reason I received this postcard is less dramatic – that the postcard from Boston Children's Health Physicians (BCHP) merits a Fail for Targeting.

Let's set aside for the moment the fact that I do not have any offspring and break down the postcard's content.

Mommy is happy with her healthy baby.

The front of the postcard simply suggests that I choose Bost Children's Health Physicians. It doesn't suggest why I choose one of their doctors. What makes their physicians desirable? To put it in marketing terms, what is BCHP's unique selling proposition?

Where is Forest Hills, Queens?
Not in the area shown on the postcard.

The address side of the postcard includes a minor sales message that supports the Call to Action – to “find the expert care your child needs to grow and thrive.” And the postcard displays a map that appears to show the locations of doctors. There is an arrow pointing to the map, reading, “Find a pediatric provider in your area” with emphasis on “your.” Quick takeaway: most of New York City doesn’t even appear on the map.

Maybe there is a provider near me, but how would I know? Rather than communicating how to find the provider – and placing it next to the Call to Action to do so – there is a bunch of white space below the map. The response method is on the other side of the postcard…well, sort of.

Buried on the bottom right corner of the picture of mom and her smiling baby is a URL leading to the Boston Children’s Health Physicians home page. Somewhere on that home page is information that supports the postcard’s messaging, but it isn’t easy to find. The QR code doesn’t lead to the same page as the URL; it leads directly to the practice locator page. And the placement of the QR code (within an image on the opposite side) is a Fail for Creative.

BCHP locations not quite near Queens

Let’s get back to finding a provider in my area. I tried the QR code on my smartphone. It indicated that the nearest practice was in Bardonia, NY.

As the crow flies, the distance from Forest Hills, Queens, NY to Bardonia is about 27 miles. As the parent drives in traffic, however, it is two toll bridges and typically an hour drive or longer with a sick or tired child in the back seat. (That assumes the parent has a car. After all, this is New York City.) This long distance to a physician confirms that the postcard was poorly targeted geographically – another Fail for Targeting.

Returning to the caption below the map, what is a “pediatric provider?” Why use that kind of industry jargon when the front of the postcard uses “pediatrician” and “pediatric specialist” while the address side of the postcard cites having 55 “practices”? Why throw yet another term out there? I realize I’m not a parent but, if I were, wouldn’t I want to find a “doctor” for my child?

IMHO, this postcard does not really support Boston Children’s Health Physicians. It is poorly designed, written, and targeted.

 
Finally, unless there is a back-end method in place for tracking response to the individuals being mailed, this isn’t direct marketing – it’s mailed advertising.

Lessons:

1. Vet your data sources to target matching demographics.
2. Just being available is not enough. Even a medical practice needs a differentiator.
3. The means of following through on a Call to Action should be located close to the Call to Action, and easy to find.
4. Vet your physical targeting to people who can easily get to your physical business or medical practice.
5. If your Call to Action includes a web site, don’t just list a home page. Use a direct URL that aligns with the Call to Action.
6. Apply jargon consistently using terms your customers understand.
7. Even a postcard for a medical practice should include some method of tracking results.

Edit 2/11/23: Removed reference to company that sent the mail per request of a person working at that company. 

Hard Rock Casino: Guns N' Rose ?!?

The Hard Rock Hotel Casino recently sent this email about upcoming entertainment that included a band called "Guns N' Rose".

Email from Hard Rock Hotel & Casino Atlantic City

This is a Fail for Creative, but no worries -- the band is going to make up for this faux pas by playing their new song "Sweet Children of Ours."

Lesson: 

Be sure to thoroughly proofread your communications, including the email Subject Line.