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.

Jockey: Late Recognition Of Getting In My Pants

After months of COVID lockdown and isolation, I was finally going to set foot outside of Queens. My wife and I arranged for a weekend getaway upstate at a bed-and-breakfast with plenty of ventilation, air filtration and outdoor seating. It was our anniversary and, pandemic or not, we wanted to make it special. 

We brought masks, gloves, sanitizer, and more sanitizer. I packed a rag and Lysol disinfectant just to give our room a once-over when we arrived. We brought packaged food in case the nearby restaurants were too busy. After confirming all the details and driving north for a few hours, I realized had I forgotten my mother's advice: Always pack clean underwear. Sorry, Mom!

I discovered a Jockey outlet store near our B&B. It had reopened from COVID lockdown the day before our trip. So, on our anniversary, we stopped at the store for a couple pairs of jockeys. The store manager, also wearing a mask and plastic gloves, understood that I wasn't familiar with the brand and helped me pick out something comfortable in my size. 

The manager apologized that not all price tags were up to date as the store was shorthanded and had just reopened. No worries, I said; just ring me up. She asked to put me on the email list with an offer of an instant discount on my in-store purchase. I agreed, providing my email address.

That was two years ago. I haven't purchased anything from Jockey since then. (The underwear is fine; I simply don't need any more.)

In May of this year, I received an email with a Subject Line of "Thank you for joining Jockey Rewards!" 

Jockey Rewards Introduction Email, May, 2022

The wording of that subject line makes it seem like I recently joined the Jockey Rewards program, which is not the case. Perhaps giving the manager my email address in that outlet store two years ago had enrolled me in an older version of the program and I had now been auto-enrolled in the current program. This supposition is based on the answer on the Jockey's reward program FAQ:

First FAQ at jockey.com/rewards mentioning "new and improved rewards program"

So, the program is "new and improved." OK. Perhaps. But since I hadn't just joined the program, better subject lines would include:

Welcome to the new Jockey Rewards!

We've improved Jockey Rewards!

Other than the confusing subject line, the email is nicely done: on brand, communicative, friendly and persuasive. Overall, the email doesn't deserve a Fail for Creative. Perhaps it merits a C+.

Lesson:
Your subject line should be relevant to your customer.

Fidelity Rewards Visa: Bonus Offer Improvement

I recently wrote about a confusing email offer from Fidelity Rewards Visa with a complex bonus statement credit for a specific category of purchases and a failure to reinforce it's basic product benefits. It merited a Fail for Creative and potential Fail for Offer. 

About six weeks later, Fidelity sent a new and better executed offer to the same person.

The offer is straightforward and simple enough to explain to my mother: Earn 3 points, rather than 2, for every dollar spent online through May 31, 2022. Unlike with the previous email, there's no minimum spend level, and the email clearly explains the $25 incremental rebate cap using icons and simple language to support communication clarity. Below the three icons, the email reinforces the basic product benefit, specifically that the bonus is in addition to the 2% cash back already available for all credit card purchases.

On the other hand, the email still has one issue. To enroll in the offer, the recipient has to click on the "Enroll now" link in the email then enter a promo code (which may be unique to the recipience, so it's blacked out here as potential PII). The code is 13 digits, which is a lot to enter. In user experience jargon, the need for a customer to enter a long code adds traction to the enrollment process.

So, how could Fidelity Rewards improve this email even more? If the promo code is unique to the customer, perhaps Fidelity could offer1-click enrollment, as other companies do. If it is not unique, why make the promo code so complex? Fidelity could go with something easy to transpose, such as "OnlineBonus22."

Lessons:

1. Your offer should be simple to explain.
2. Don't forget to reinforce your basic product benefits.
3. Take as much traction as you can out of customer enrollment -- the easier for customers, the better.

PayPal: Venmo $10 Giveaway Email Lacks Explanation or Focused Targeting

This recent email from PayPal trying to cross-sell Venmo merits Fails for Creative and Targeting.

Enrollment offer email, sent to long-term
Venmo customer

The email offers me a straight cash bribe (or, as we say in marketing, an incentive) to sign up for Venmo. The Call to Action is to click on the “Claim Your $10” link that will bring me to the below landing page.

Landing page
lacks explanation of Venmo product features or customer benefits

The landing page reinforces the incentive and discloses information about fees -- and allows me to sign up for Venmo and verify my phone number.

But what is Venmo? Neither the email nor landing page include a product explanation. Simply put: If someone hasn’t used Venmo -- which is, after all, the kind of person the email is targeting -- they would have no idea what it is or why they should provide their mobile number to get $10. Both the email and landing page should include benefit statements or at least some brief sales messages.

Now, in fact, I know all about Venmo. I’ve been using it for a long time, long enough for Venmo’s parent PayPal to know that I am an active customer. That is why I give this a Fail for Targeting. There is no value in sending a new customer acquisition offer to a long-term active customer like myself. Communications like this can make customers question the strength of a brand.

Speaking of brand, why doesn’t PayPal put its name behind Venmo -- at least on this marketing email? For customers who haven’t heard of or used Venmo (like the ones targeted by the offer), including phrasing such as “backed by PayPal” or “a PayPal service” would at least lend some credibility to the product.

This isn’t the first time PayPal has offered me an incentive for something without explanation. Last year, PayPal sent me an offer for Honey that lacked a product value proposition. Nor is this the first time that PayPal has demeaned its brand with shoddy marketing communications. These communications can implicitly send a message to customers that PayPal doesn’t have its act together, which could lead to decreased trust and decreased use. Is this a company to trust with cryptocurrency purchases?

Sometimes marketing managers are so obsessed with their products, they forget the basics. That’s why they need to take a step back, review lessons like the below, and avoid sending Mail That Fails.

Lessons:

1. Explain what it is you are selling and why it is beneficial.
2. Extend your new customer offer only to potential new customers.
3. If selling an affiliate service, consider explaining the relationship with the affiliate.

DoorDash: No Sleep till Queens ?!?

We live in Queens -- a borough of New York City. It is also it's own county. It is not like any other borough or any other place in the world. 

So to suggest that we live in nearby Brooklyn is like someone suggesting San Francisco-based DoorDash is actually in Oakland -- sure, it's nearby, but it's a different world.

I ordered from DoorDash once, although I'm not sure when or why. Maybe it was to take advantage of a credit card offer, or perhaps it was that time last year when my wife and I really, really wanted a Carvel ice cream cake but didn't feel safe taking the subway there in the middle of a pandemic. Regardless, that one order was enough to be added to their email marketing list.

DoorDash knows where I live: firmly in a Queens zip code. So, the only reason to send me an offer email with a Subject line of "Hey, Brooklyn" is to want to get a Fail for Creative. Brooklyn is a nice borough, but to suggest that we live there is insulting to those of us who can walk to the World's Fair Site or the Louis Armstrong Museum -- or can brag they live in the same borough where Peter Parker grew up with his Aunt May.

But, to suggest I live in Brooklyn? Ouch! Not even a month of free pizza could get me to say, "Fuhgeddaboutit." I'm going to just leave this picture here.

Lesson: 
If you want to appeal to your customers based on locality, make sure you get their location right.

Hooters: Timing and Grammar Matter

This birthday email from Hooters merits a Fail for Timing and a Fail for Creative.  

The email informs the recipient that he has "10 Free Wings (Birthday)" and that his offer will expire in "1 days."

Hooters Birthday email
arrived well after the birthday

The recipient's birthday was in late August. He did not receive a communication about his free wings prior to his birthday or on his birthday. The first time he found out he had the opportunity to have free Hooters wings served to him (presumably by a "Hooters Girl") was on September 20 -- one day before the offer expired. 

The opening of the email reads:

Just a friendly reminder that your 10 Free Wings (Birthday) is about to expire. Come in and redeem your offer before it expires in 1 days.

This brief paragraph would read better as:

Just a friendly reminder that your 10 Free Wings offer for your birthday is about to expire. Come in and redeem your offer before it expires tomorrow.

One might joke about the sentences being written by a Hooters Girl, but that would be insulting to smart women who take the job. Regardless, it appears to me that the sentence was written by a someone using rudimentary mail merge software. The first sentence identifies the type of free offer in parenthesis. The programming of the second sentence did not take into account that the number of days may be a singular number. 

Let's hope the wings are better than the grammar. 

Lessons:

1. Recognizing a customer's birthday is a useful way to engage a customer, but only if properly executed.
   
2. When using numerical values in your communications, make sure to account for values that are not plural.

Dunkin': Everything is Direct Marketing, including my name

How do we define "Direct Marketing?" Let's look at the definition from Investopia:

Direct marketing consists of any marketing that relies on direct communication or distribution to individual consumers, rather than through a third party such as mass media. Mail, email, social media, and texting campaigns are among the delivery systems used. It is called direct marketing because it generally eliminates the middleman, such as advertising media.

Put it simply, direct marketing is any direct customer communication. In that context, my communication with Dunkin Donuts Customer Service merits a Fail for Creative. 

Last month, I noticed that, for the first time since COVID hit over a year ago, my favorite Dunkin' was open at 5:00 am. The next morning, I tried to advance-order a cup of joe; however, according to the app, the location did not open until 6:00 am. I spoke with the manager, who explained he had been trying for a week with "headquarters" to get the app updated with the correct hours.   

I wrote an email to customerservice@dunkinbrands.com:

Hi,

I am a DD loyalty club member: [redacted]

 

My favorite DD is [redacted]

 

I walk my dog at 5:30 am each day.  This location is open; however, I cannot place a mobile order because according to your app, it does not open until 6:00 am.  

 

I confirmed this morning with the owner/manager that the location is open on weekdays at 5:00 am.

 

My request to you is to update the hours on the app so I can place the order ahead of time and grab the order quickly without having my dog wait too long for me.

 

Thank you,

 

Marc Davis

It was a friendly email with a minor request to improve my customer experience. 

Five days later, I received a reply:

Dear Mark,

Thank you for taking the time to contact.

I apologize that your store was closed when you placed your On-the-Go order! We can definitely assist with getting crediting [sic] this transaction for you. Can you please respond with the order number of the transaction that you wish to be credited for? If you have previously sent a screenshot of the order, please respond with the order number from the screenshot, it assists us in locating the transaction faster for you.

We are looking forward to serving you again soon.

Eliezer

Support Center Coordinator

Case #[redacted]

Huh, what?

Dunkin's reply had ignored pretty much everything I wrote. My issue wasn't about an unfilled order, and I wasn't requesting a credit. It was about updating a local store's hours on the app -- and they had ignored that, too. It was as if Eliezer had only scanned my email. 

And why did Eliezer misspell my name? I can understand misspelling 'Marc' if I had called Customer Service and provided my name, but they had it in my email. All it would have taken to spell my name correctly was copying & pasting it from the email.

Direct Marketing Association Hall of Fame member Joan Throckmorton once taught me that a person's name is the most important word on a letter. She was right. I hate seeing it misspelled, yet that is what Dunkin' did. 

I bit my lip about that last part and responded:

I did not request nor do I see a need for a credit. 

My request is for your app to be updated so that I can place an order on your app for [redacted] when it opens at 5:00 am on weekdays.

Thank you,

Marc

The reply came the next day.

Hello Mark,

Thank you for taking the time to contact us about your experience at the Dunkin' restaurant in [redacted]. We are sorry that you had a bad experience and will alert the franchisee and our field operations team immediately to let them know what happened.

We want every restaurant experience to be a great one and would like to have this experience addressed for you as soon as possible. We take guest satisfaction seriously and hope you’ll give Dunkin' another chance.

Thanks again for taking time out of your day to let us know.

Eliezer 

Support Center Coordinator

Case #[redacted]

The reply increased my disappointment: Customer Service was blaming the store even though my unpleasant experience wasn't because of franchisee or from field operations; it was because of the corporate app and Eliezer.  

The store hours on the app were updated, but I had a bitter taste in my mouth that wasn't from coffee. I guess Dunkin' can bake the donuts, but cannot adequately read customer emails.

The Starbucks on my dog walking route is also open early. Despite memes like this, Starbucks has never misspelled my name. Just sayin', Dunkin'.

Lessons:

1. Every customer interaction is marketing. Every direct customer communication is direct marketing.
2. When your customers correspond with you, fully read the communication and reply appropriately.
3. Always spell the names of your customers correctly.

GetRiver.com & Colibri: Less is Less

This recent email for river by Colibri IO is a textbook Fail for Creative.

Email with Call to Action to buy something now

Lesson: Include in your marketing emails elements missing here:

1. Explanation of the product or service
2. Explanation of what the reader is supposed to buy
3. Offer expiration date -- specifically, when does the coupon code expire
4. At least some information about the cost
5. A live Facebook presence when including a link to a Facebook page
6. Content on your Twitter page from less than three years ago when including a link to Twitter.

Norton Lifelock: Renewal Email Reminds Me of Penn & Teller

Penn & Teller had a show that ran for eight seasons: “Penn & Teller: Bulls---!” According to Penn Jillette: 

If we said it was all scams we could also be in trouble, but 'bulls---,' oddly, is safe. So forgive all the 'bulls--- language', but we're trying to talk about the truth without spending the rest of our lives in court."

This leads to a recent email I received from Norton. IMHO, it goes beyond merely a Fail for Creative. 

The email offers the customer an opportunity to review their virus protection for $39.99, with an asterisk mentioning that this is the price for just the first year. That asterisk references a Disclosure rendering in 4.5-point font size:

I'll enlarge the fine print to a readable font size:

You are enrolling in an automatically renewing subscription that begins when your purchase is completed online (or otherwise, when your offline payment is received). Please download and install on each device, up to the specified number of devices, to get protection. Price shown is valid for the first term only. After that, your subscription will renew each year at the applicable annual renewal price here. You can cancel your subscription at my.norton.com or by contacting Member Services & Support. For more details, please visit the Refund Policy. Your subscription includes product, service and/or protection updates and new features as available during the subscription term, subject to acceptance of the License and Services Agreement. Features may be added, modified or removed during the subscription term.

So, to find out what the second-year price might be, I have to search through literal mouseprint to find the correct link to learn that the actual long-term price is currently expected to be* 50% greater than the advertised price.

Why isn’t Norton upfront about this in the email? Is it perhaps that Norton believes customers will not look for it now and just accept the higher price in a year?

I understand the subscription business model. Norton is offering me software as a service. So does Microsoft, but they don’t obfuscate the fact that I pay $70 a year to use Microsoft Office. Other companies offer introductory prices, but I rarely see the long-term subscription price this hidden.

An honest yet persuasive approach would be to explain the subscription option and offer $20 savings off the first year. The people at Norton know this -- they use this approach as landing pages from PPC ads.

When companies hide relevant information from customers, they might get sales but they’ll also earn distrust. If I can’t trust Norton to be forthcoming about its subscription price, can I trust it to protect my computer? That's why I believe Norton's approach to disclosing prices to customers like this is bulls---.

Lesson: Your relationship with your customers goes beyond one transaction. Honesty is the best policy for long-term customer retention.

* The header of the pricing landing page reads: "Our renewal prices for standalone and add-on subscriptions are listed below. They may change, but we will always send you a notification email prior to billing." In other words, the actual second year price in 12 months could be substantially greater than the price shown today. 

FTD Flowers: A Mistake and a Quickly Wilting Apology

In a single day last week, I received five emails from FTD Flowers, each with a different subject line:

1. Psst... Someone Special's Birthday is 5 Days Away
2. Share The Love ❤️ An Important Anniversary Is In 7 Days!
3. 🌹🌹🌹 3 More Days To Order Anniversary Flowers! 🌹🌹🌹
4. Someone Special's Birthday is TOMORROW!
5. Someone Special's Birthday is 7 Days Away!

Here is an example of one of those five emails.

1 of 5 emails I received on 12/9/20

That evening, when I read the first one, I was confused. Whose birthday was in 5 days? According to my Google calendar, the only person I could find with a birthday that day was a former business colleague. We were friends, but not close enough that I'd send him flowers. I checked my FTD purchase history and found nothing for this timeframe. Hmm, I thought -- maybe I need to dig up my old personal calendar I last used during the Clinton administration. 

The next email reminded me of an important anniversary in seven days. It wasn't between my wife and me -- we had a June wedding. It wasn't my parents' or my siblings'. I was confused.

By time I read the third email, I realized something was off with FTD. So, I ignored the forth and fith emails. Ah, well, I thought, we all make mistakes. I categorized this as a Fail for Timing and figured that FTD incorrectly sent those emails.

The next day, I received an email from FTD with a subject line of "Ooops! Hit Send WAY Too Soon 😬". I correctly guessed that FTD had realized their mistake.  

Apology Email Sent 12/10/20
25% Discount Expired 12/11/20

FTD had quickly recognized its issue, admitted the error, and offered an explanation and an apology. This is a thoughtful approach, similar to what Amazon did several years ago when it sent out a BCS Championship winner merchandise email early. 

But FTD went a step further ... sort of. The apology email on December 10 included an offer of 25% off my next purchase "to show our appreciation for your understanding." I state, "sort of" because, buried in the email's disclosure, was information stating that the 25% discount would expire just before midnight on December 11 -- and that was the next day.

*Offer expires at 11:59 p.m. CT on 12/11/2020 or while supplies last. Quantities may be limited. All discounts shown. Discounts are not applicable on: (i) product customizations including vases or product add-ons, (ii) FTD Membership fees, (iii) gift card purchases, (iv) service, delivery or shipping fees and applicable taxes, (v) special collections including Nambé, Baccarat or other special collections designed by FTD, and (vi) all "Gifts"under $24.99 or products under $19.99. Discounts cannot be combined. Offers may be subject to change without notice. See www.ftd.com for additional details.

The apology email merits Fails for both Offer and Creative. The Fail for Offer is because the discount window less than 38 hours after the apology email was sent. That's barely enough time for a customer to react to the email and make a purchase. The Fail for Creative is because a customer has to read the fine print to realize this, thus the apology appears to be disingenuous. 

When an offer with a short response window does not message the offer expiration date in the body of the communication, the seller risks customer dissatisfaction -- the type that motivates a customer to shop elsewhere. Or, to put it bluntly, if you pee on a customer's leg and tell them it's raining, that customer will not buy an umbrella from you.

Lessons:

1. If you make a mistake, own up to the error.
2. When making amends for a mistake, offer a genuine goodwill gesture.
3. If your offer expires quickly, you should communicate that fact in the body of a communication, not bury it in a disclosure.

PayPal: Selling Honey Without the Other Ingredient

A couple weeks ago I wrote about an email from PayPal selling Honey without communicating a value proposition. Over the weekend, I received this email:

PayPal explains Honey in one sentence, "Install Honey in just two clicks so when you shop online you can automatically get some of the best prices from over 30,000 online retailers." That is a well-worded product value proposition. 

Where the prior email encouraged immediacy but lacked a value proposition, this email includes a value proposition does did not encourage immediacy in the call to action. As I draft this post, the $5 bonus offer appears to still be active. Perhaps they have not reached the limit of 40,000 new customers eligible for the offer they mentioned in their first email.

Here's an idea: Combine the value proposition and encourage immediacy in a single communication by explaining the product then closing with a $5 bonus offer. The email could be summed up in a few sentences:

"Install Honey in just two clicks so when you shop online you can automatically get some of the best prices from over 30,000 online retailers. Hurry -- the first 40,000 people to install Honey and make a purchase of $10 or more will receive a $5 bonus."

Will you get that $5 bonus in addition to shopping online with Honey? I don't know, but you should make sure your email isn't a Fail. Act now!

Lesson:

Communicating a value proposition is important, but so is giving the customer a reason to take action now.

PayPal: Selling Honey Requires a Key Ingredient

   This recent email from PayPal merits a couple Fails for Creative. 

 

The email includes a Subject Line of "Get a $5 bonus for shopping smart with Honey." The headline reads "Give Honey a try. Spend $10, Get $5." Below that is a gif of a small box parachuting into a celebration, followed by a message reading, "When you add Honey to your browser for the first time, create an account, and spend $10 or more with PayPal, you'll get a $5 bonus. That's just the start of the savings. Honey members save over $126 annually." Below that are step-by-step instructions about how to install and use Honey, and a disclosure.

There is a clear Call to Action and an incentive for the customer to take action now. The email was sent on September 25 with an offer expiration date of October 4, so immediacy is encouraged. 

But, what is Honey? Why would I add it to my browser? How do honey members save money, and compared to what? None of these questions are addressed in the email.

Based only on the email, one might guess that Honey is a rebate program or online savings account. In actuality, though, it is an online coupon provider. According to their home page, "Honey helps you find some of the best coupon codes on 30,000+ sites." That is Honey's value proposition, and it is missing from this email.

The other Fail is less important, but worth mentioning.  According to the disclosure and the detailed Terms & Conditions found on Honey's site, only 40,000 customers are eligible for the award. Once that limit is reached -- even if before offer the expiration date -- the reward will no longer be available. This type of restriction is fairly common in direct-to-consumer marketing. I've included number-of-customer limitations in several campaigns to ensure the product is not oversold or to cap potential incentive liability. When I did, I would use this clause to my advantage by communicating it in the body of the email. PayPal could do this by including above the Call to Action a message along the lines of...

Be one of the 40,000 people to get your $5 bonus by October 4th. Bonus must be used by October 31st.* 

or ... 

This exclusive bonus offer is limited to the first 40,000 people to take action by October 4th. Bonus must be used by October 31st.* 

This type of messaging approach not only makes the in-house lawyers happy by clearly communicating an offer restriction; it also communicates scarcity, which is a known factor to drive immediate action and increase response -- and that makes your manager happy.

Lessons:

1. It is not enough to have a call to action and encourage immediacy in your direct-to-consumer emails. They should always include a value proposition.
   
   
2. If your offer is limited to a specific number of customers, do not bury that restriction -- use it to your sales advantage.

Affinity Federal Credit Union: Visa Email Not the Best Fit

When you join a credit union, you can remain a member regardless of what happens to your original qualifications. That is the case with me. My first job out of college was at AT&T. I used my first paycheck to become a member of the AT&T Employee Federal Credit Union at their on-site branch. A month later, I applied for and received their Visa credit card.

I left AT&T but remained a member of its credit union. A few years later, the credit union expanded its membership criteria and rebranded as Affinity Federal Credit Union (AFCU). I have watched over the decades as the credit union’s marketing communications evolved from simple and homely to complicated and flashy. Sometimes, their complex messaging leads to ambiguity and confusion.

For example, I recently received this email selling a change from my current Affinity Pure Rewards Visa Credit Card to an AffinityCash Rewards Visa Signature Credit Card. My current Visa card offers the equivalent of 1% cash back on all purchases, plus up to an additional 5% on purchases made through their online portal. The Signature Card earns – well, based on the email – something that matches my personal spending style. Huh?

The Subject Line reads, “Switch Your Card to the Best Fit.” The headline in the email reads “SWITCH YOUR CARD / Find Your Best Fit” – suggesting I might be able to compare cards. The first Fail for Creative is the contradiction between the Subject Line and email content. The Subject Line implies that the Visa Signature Card would be my best fit; the Headline implies that I need to find the card that is my fit; then, the Subhead suggests that the Visa Signature card is meant for me. The card should either be good for me or not – pick one.

It turns out that I have to find the card and work hard to find the link to make the switch.

The email’s links to “Log In & Switch” do not lead to a comparison page. They lead to the credit union’s general customer login page. From there, I have to log in; scroll past my account balances, my pre-approved auto loan offers, a solicitation to consolidate outside accounts, an offer to track all my purchases by category, and a review of my rewards points balances and rewards available; and find a link in 12-point font reading, “Switch My Credit Card.”

This is a Fail because the offer requires substantial customer effort to respond. Granted, the email explains part of this process, but that only partially mitigates the friction present in the transaction. Furthermore, there is not an easy way for me to compare my current card to this new one. Which benefits are the same? Which ones are different? What benefit might the customer lose by making the switch? 

If I haven’t given up and I manage to click on the “Switch My Credit Card” link, this confirmation screen appears:

This confirmation screen is the first point in the customer experience that mentions specific product benefits. The product description reads:

Unlimited cash back with no annual fee. Earn up to 5% cash back on all purchases, including bookstores like Amazon.com, access 24/7 Visa Signature Concierge, cell phone protection, travel benefits and more.

This sales message is another Fail for Creative. Overall, the sales message is fairly incoherent, with a confusing string of dependent clauses.

It is sparse and written poorly. Let’s break it down:

• “Earn up to 5% cash back on all purchases”: What does “up to” mean? Do I have to meet a purchase threshold to earn 5%? Does 5% apply only to purchases up to a threshold amount? Or is some other dynamic in play?
• “…including bookstores like Amazon.com”: Amazon is not a bookstore. It is a shopping site that sells just about everything you can have shipped to you, digital services, even house cleaning. Does this phrasing mean I would earn up to 5% cash back only on books? Or on anything purchased on Amazon.com? The Amazon app is not a dot-com. Are those purchases eligible? What are “bookstores like Amazon.com”? Does that include books on barnesandnoble.com? What about jigsaw puzzles on barnesandnoble.com? Does it include my local brick-and-mortarbookstore? What about books on target.com?
• “Cell phone protection”: What does that mean?

Another Fail for Creative is the lack of information in the customer email. With some active research, I was able to learn that the card offers 5% cash back at “all bookstores, including Amazon.com” (whatever that means); 2% cash back at restaurants, gas stations, and supermarkets; and 1% on other purchases. These are substantial features that should be included in the email to help explain why the card fits my lifestyle. 

I was able to find more information on this product sales page. It appears to have some explanation of what “bookstores, including Amazon.com” means. If I understand the footnote…

2 Cardholders will earn 5% cash back (which is equivalent to 5 points for every $1 spent) for purchases made at Bookstores, which also include purchases made at Amazon.com on up to $3,500 per month in purchases, excluding gift cards. Please note that these bonus categories are categorized by specific Merchant Category Codes. Not all merchants may use the specific qualified transactions codes. The additional points may not be issued, if the merchant does not use a qualified Merchant Category Code.

…a customer earns 5% cash back at Amazon.com and at all bookstores. If so, why not state that outright? Or perhaps simplify the offering and make it applicable to only Amazon.com, as Discover Card does in its quarterly calendar?

The same page mentions the feature of cell phone protection as an exclusive “card-holder” benefit:

There are two Fails here. The first is grammatical: “card-holder” is not hyphenated. The second is that there is no explanation of features related to this benefit. What does "cell phone protection" mean? How is a cell phone protected? Are there incremental requirements to get this protection? My supposition is that AFCU’s protection is similar to Wells Fargo’s cellular telephone protection; however, this is merely a guess. I cannot find details anywhere on the ACFU website. While I’m not a fan of having numerous disclosures in a marketing communication, an explanation and details should be available to the customer.

Lessons:

1. The content of a marketing email should complement the Subject Line.
2. Marketing communications should explain at least some product features to support benefits messaging.
3. Marketing emails should have a simple call to action.
4. A customer's online sales journey should start with supporting the email sales message, then quickly and easily bring the customer through the sale.
5. Amazon is not a bookstore.
6. Proofread your content.
7. If you message a product feature, make available a clearly communicated explanation of what it means.

Santander Bank: Creative Improvements, Lousy Timing

Last May, I wrote about a postcard I received from Santander Bank that merited a Fail forCreative because it promoted an incentive but lacked a conspicuous explanation of how to earn the incentive.

Santander Bank self-mailer
Cover panel

Address panel

Santander’s small roll-fold self-mailer that I received on April 2 here in New York City, however, includes elements lacking in last year’s postcard.

Offer Panels

This recent self-mailer includes a clear call to action. In fact, performing the desired action comes across as easy as 1, 2, 3.  The self-mailer includes a conspicuous explanation of what is required to enjoy the $300 incentive, with supplemental information in the disclosure. There is adequate space for benefits messaging, an easy-to-read Promotion Code, and the location of the nearest branch.

Promotion Code and Bank Branch Location

However, as I write this, the nearest branch listed on the postcard has been closed for two weeks because of the COVID-19 pandemic. More than two thousand people in New York City have succumbed to the virus. The Big Apple is in lockdown. Is this really when a consumer might consider switching the bank where their paycheck is deposited? Many consumers around here won’t even have a paycheck in a couple weeks; many others will be deceased.

So, this self-mailer is a Fail For Timing. At the very least, it can come across as callous. But should one blame Santander? It could be that the self-mailer was mailed before things got bad. When mailing Standard Rate, there is a lag time between maildrop and in-home date – sometimes a few business days, sometimes a few weeks. As we’ve seen, the world can change a lot in that short time.

Several years ago, I launched a direct mail campaign offering prospective customers around Philadelphia savings on their electricity supply costs. Unfortunately, Hurricane Sandy started up the East Coast after the maildrop. The mail reached the target market while the hurricane was disrupting power to many homes. Who knew?

Disclosures updated as of 2/29/20

The disclosure includes an as-of date of February 29, which suggests the self-mailer was printed in early March. If it was mailed prior to March 10, I would say, "Who knew?" 

Or maybe the mail dropped closer to March 20, which means the bank knew about the pandemic hitting the United States but decided to mail anyway. If so, a decision should have been made to pull the mail rather than commit an unforced error because – even though the mail had been printed and personalized – the campaign could have been halted. Doing so would have meant postage money could be saved for a better timed mailing, and would have prevented bad optics.

Lessons:

1. Your Call to Action should be conspicuous and easy to understand.
2. Sometimes planned marketing efforts can be impacted by unforeseen events.
3. There are occasions when you may need to pull mail at the last minute. Maintain the decision-making capability and flexibility to do so.