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.

Coronavirus Guidelines for America: Late and Hard to Read

I received a postcard with “PRESIDENT TRUMP’S CORONAVIRUS GUIDELINES FOR AMERICA.” It was dated March 16 and arrived in my New York City mailbox on March 28.

Coronavirus Guidelines
Mailed Standard Rate

Let’s look at this postcard from a direct mail marketing perspective. The primary objective of the postcard is to motivate people to take action to prevent getting the virus that causes COVID-19, while the secondary objective is to motivate readers to visit coronavirus.gov for more information. It merits a Fail for Creative for a few reasons.

• White text on a black background is neither easy to print nor read, especially in italics at 9-point font size. 

If you can read the good hygiene tips, you don't need glasses.

• The Call to Action to visit coronavirus.gov is visually lost.
• On the address side, below a couple graphical icons, the website is suggested as a place to go for more information
• On the copy side, it sits in the corner without a description of the site or a reason to visit it. It is in a good location relative to the layout of the postcard—and bold compared to most of the other content; however, the line starting “EVEN IF YOU ARE YOUNG,” with a blue background, is what draws a reader.

Perhaps the small postcard is trying to accomplish too much in too little space.

Lessons:

1. If your copy is small, make sure you have proper color contrast.
2. Make your call to action prominent.

[Edit: Removed commontary about postal rate used, as this was mailed EDDM.]

American Red Cross: No longer blind

A little over two months ago, I wrote about receiving a solicitation from the Red Cross in a blind envelope right in the middle of the traditional giving season. Last week, I received a similar solicitation but with a corporate envelope.

Where the envelope in December had no hint of branding, this envelope is unmistakably from the American Red Cross. The teaser message reminds me that my donation helps the Red Cross respond to more than 60,000 disasters a year.

Red Cross Solicitation:
Fully Branded Outer Envelope

The letter inside is exactly the same as the December letter. The only update is the mailing date.

Donation Solicitation Letter front

Donation Solicitation Letter back
Request for email address circled

As a direct marketing professional, my gut tells me that the blind envelope was part of an A/B Test and this is the Control, but that is just a hunch. Perhaps the plan was for the holiday solicitation to be blind to differentiate it from the multitude of charity mailers that typically arrive in December. The mailbox is not as busy in February, the thinking would go, so now is time to show that logo again.

I wonder if it is also time for increased multichannel engagement. This is a direct mail letter requesting a mailed-back, completed response form. There is also an online donation option; however, the mention of that is in small type.

No one wants to mess with a successful Control package (if this is it); however, it may be time to consider that the internet is useful for many things, including donor engagement. Buried on the back of the form – below the input field for credit card information – is a request for email address. Instead, why not, on the front of the form, ask all donors for their email address to share stories of the Red Cross coming to the aid of disaster survivors? Rather than treating this solicitation as solo mail in a vacuum, include a link to the American Red Cross YouTube channel or the local Red Cross as a means of encouraging engagement?

Business Reply Envelope

Perhaps that could be their next A/B Test.

Lessons:

1.      Test your most successful direct mail packages. Let new presumptions challenge your assumptions.

2.      We live in an omnichannel world. Don’t use direct mail in a vacuum – integrate it with your other engagement channels.

MGM Resorts: What Happens in Vegas Is Late for Valentine’s Day

In New York City, you know Valentine’s Day is coming when your favorite restaurant sends emails one to two weeks in advance touting their “Lover’s Duet Meal” or something similarly hokey. These meals usually involve a prix fixe menu at about 20% more than the usual price, with an implicit promise that you wrap up quickly so you can get on to the, um, next thing with your significant other and the restaurant can get on to their next paying couple.

“Reservations are a must,” they tout. “Book early!”  💋😘😍

Around February 10-12, the local grocery chains advertise chocolates and stuffed animals at a discount price. Places that wouldn’t have fresh flowers on any other day suddenly have red roses by the register. Even the neighborhood bodega somehow gets in on the act, placing red balloons for sale next to the lollipops or Ben & Jerry’s Ice Cream.

Then February 14 rolls around. You’ve made your plans, bought your flowers, written a card with a silly message, torn up the card, and written a new card with a loving, memorable message. On the way home, you check your email.

“Love is in the air at MGM Resorts,” the subject line reads. The subhead: “Let us help make Valentine’s Day unforgettable with some delectable restaurant choices, spa specials and creative experiences.”

MGM Resorts Valentine's Day email
Sent afternoon of February 14

This is a Fail for Timing. The email was sent on February 14, 1:27 pm Pacific Time. (On the East Coast, that’s 4:27 pm.) By that time, it’s a bit late to plan an event in Las Vegas to reconnect over a couple’s massage or pet the captive dolphins at Mirage. And it would be nearly impossible to land a reservation at a Vegas Strip restaurant with dining options that are sure to impress. 

Valentine’s Day is a holiday where expensive splurges need to be advance planned. Ideally, an email of this type should be sent 1-2 weeks prior to the holiday with a follow-up reminder email sent 3-4 days after the first email. That offers at least an adequate amount of time to book a flight to Vegas and a helicopter excursion to the Grand Canyon. (Even then, though, you’ll need Vegas-level luck to get a dining reservation confirmed.)

Here is an example of a Valentine's Day email I received, well timed a week prior to the holiday.

Local restaurant email
smartly sent February 7

Lesson:

Consumers make holiday plans prior to the holiday. Time your marketing communications accordingly.

American Red Cross: Is a Blind Envelope Prudent?

You are one of the largest charities in the United States, with over $3 billion in annual expenses. According to Charity Navigator, only one other charity is followed more. When there is a natural disaster, you are there. Your logo is considered one of the most recognizable, one of the best in the world. So why are you hiding your logo?

Red Cross Solicitation:
Front of Outer Envelope

That’s what I’m asking myself after receiving this charity solicitation from the American Red Cross. Every other charity solicitation I have received this holiday season included a message on the envelope -- what is known in industry jargon as a teaser. However, this Red Cross solicitation not only did not include a teaser, the envelope was completely blind. There is no indication that this is from the Red Cross, not even a return address.

Back of Outer Envelope

Is this a Fail for Creative? I don’t know. Intuitively, I think so. But I can’t be a focus group of one because I'm so enthusiastic about direct mail marketing, I open and read everything I receive (besides, the concept of being a focus group of one is dangerous). 

There are several schools of thought on whether teasers make sense. Some POVs from people with non-profit direct mail experience include this blog post suggesting that, because most teasers are simply not very good, a non-profit is better off without one. A similar POV from Mary Chalane suggests that, if a non-profit uses a teaser, it needs to be worthwhile. 

Donation Solicitation Letter front

Donation Solicitation Letter back

I agree with these opinions conceptually -- a bad teaser is worse than no teaser -- but couldn’t Red Cross creatively develop a good teaser? If not, shouldn’t Red Cross at least include its well-known, appreciated logo in the outer envelope return address area? 

Front of Business Reply Envelope
includes branding in color

Back of Business Reply Envelope

Perhaps Red Cross A/B tested the blind envelope against one with a teaser. Perhaps it tested against several teasers and an envelope displaying only their logo, and the blind envelope kept winning. If the test took place in the summer, perhaps it should try testing against a holiday-themed envelope in December when consumers’ hearts and checkbooks are more likely to be open.

My creative intuition could be right, or it could be wrong. The only way to know for sure is to test. Happy holidays.

Lessons:

1. Know your strength of your brand.
2. Maintain a Control package, but test against it at times relevant to your audience.

Shutterfly: Why They Call It "Snail Mail"

There are several ways a company like Shutterfly can promote sales to prior customers.

• If the company has an app, it can push a notification to the customer's smartphone. However, notifications can be blocked or can be missed among more urgent notifications.
  
• The company can send an email. The benefits of this approach include very low cost to send and precisely manageable timing. The downside is that emails can fall into a spam filter or can be easily missed or ignored by the customer.
  
• The company can send a letter or postcard. The benefit of this approach is that mail gets noticed. A properly created direct mail communication is interruptive without being obtrusive. In other words, it gets noticed.  The downside is that one cannot guarantee when their mail will arrive in the customer's mailbox.

That's the case with this Shutterfly Labor Day Sale postcard. It merits a Fail for Timing because I received it on September 12 -- the day after the sale ended.  

Postcard Front

In an ideal world, the postcard should arrive in home on August 28, the day the sale starts. Some retailers believe sales communications should arrive 1-2 days prior to the sale so a consumer can plan to make a purchase during the sale period; however, I believe this POV comes from an outdated brick-and-mortar way of thinking. When sending a communication with a call to action to go online or use an app, it appears to me that the marketing communication should arrive at a time when a customer can immediately take action and benefit from the offer.

Postcard Back

The postcard size is 6" x 9", which the USPS classifies as Marketing Mail. Postage charges to send a postcard of this size are the same as for letters. However, instead of spending the extra money to send it via First Class Mail, Shutterfly sent it by Standard Rate, formerly known as Bulk Rate. This is the least expensive (but slowest) delivery method available. The cost difference between Standard Rate and First Class Mail for this type of postcard is typically 12-15 cents, depending on addressee density and other factors.

Postage Indicia - Standard Rate Postcard

Unfortunately, it took the USPS two weeks to deliver from northern California to New York City. Perhaps the postcard was put into the mail in California just prior to the sale. If so, Shutterfly could benefit from dropshipping. This is a method where an independent company ships your mail by truck to a postal network distribution center close to the recipient's location. So, rather than putting the postcard in the mail in Redwood City for the USPS to send to a network distribution center in California, then to a network distribution center in Colorado, then to a network distribution center in Missouri, then to a network distribution center in — well, you get the idea — the dropshipper puts the mail in a truck and drives it directly to a sectional center facility near New York City to be sorted for the local postal carrier to bring to homes in the Big Apple. 

It is also possible that this postcard was, in fact, dropshipped and sat in a local sectional center facility for about two weeks. After all, the USPS is not accountable for standard rate mail delays.

Lessons:

1. Your mail should arrive at a time that is relevant to the offer and consumer interest.
2. Dropshipping has an incremental cost, but it improves timing and costs less than First Class Mail. If you are going to invest in direct mail, optimize your delivery.

Upstep: 9/11 Sale is an un-American, Tasteless Fail

At 8:09 am on September 11, 2001, American Airlines Flight 77 pulled back from the gate at Dulles International Airport. In the next 86 minutes, the plane was hijacked and flown into the Pentagon, killing all 64 people on board along with 125 Pentagon personnel.

Exactly 18 years from that moment, custom orthotic insole maker Upstep launches a sale. It sends emails to people on their marketing list promoting a "Patriot Day Flash Sale", complete with American imagery.

Upstep's 9/11 Patriot Day Flash Sale email

To refer to this email solicitation as merely a Fail for Creative and Timing is an understatement. 9/11 is a tragedy, not an excuse for a sale. The "flash" of the each of two planes being flown into the Twin Towers is seared in my memory as well as those millions of other Americans. This is not a time for a sales promotion -- this is a day for prayer and remembering our lost family, friends and First Responders.

The email footer states that Upstep is based on Madison Avenue in New York City; however, I cannot phantom how anyone who lived in NYC on 9/11/01 or today would consider, develop or approve this type of marketing communication.

Lesson:
Do not leverage 9/11 for your sales promotion. Just ... don't.

The Citi Never Sleeps, or Stops Mailing

In February, I wrote about Citi sending solicitations to their credit card customers for their Citi Rewards+ Card at the same time as offers for their current credit card. This practice appears to be continuing.

In that February post, I mentioned someone who received an offer to trade in their current Citi card around the same time as receiving an activation offer. That was confusing to him. Since then, that person received the upgrade offer for the Rewards+ Card again, twice. All three mailers were the same self-mailer -- right down to the visuals and copy. I also received the same Rewards+ Card upgrade offer twice.

While it is a well-proven direct marketing best practice that reaching the same person with the same offer multiple times will result in incremental response, this technique is typically utilized by communicating variants of the same message. Benefits messaging might be rotated, or the second mail (or email) with the same offer would include a message that calls out “Second Notice,” “Time is Running Out,” or something similar that resonates with a heightened level of urgency. But sending the exact same mailer three times is, IMHO, a Fail for Creative. It reminds me of the Urban Dictionary’s definition of “insanity,” which I prefer not to write out myself. My supposition is that the idea was to save money on creative by having one base version to mail -- and mail and mail.

The reason for my supposition is that I also received the exact same creative (only twice), as did my wife (only once). All the preprinted elements were the same. The only differences between her self-mailer and mine were in the variables regarding our respective current Citi cards and how they compared to the new Rewards+. I presume this to be Citi’s high-volume Control package. If so, they really should consider A/B testing different layouts.

Not only that, but I and my wife also received concurrent bonus offers for using our current credit cards. Taking a step back here, let’s remember that the consumer credit card industry is mighty competitive. It’s not enough to convince a consumer to obtain your credit card. Once that consumer becomes your customer by applying for and being approved for your card, you need to motivate the customer to actually use your credit card. In industry jargon, that is known as “activation.” One way to accomplish this goal is by offering a bonus reward for use; another is to solicit the customer to accept a product upgrade. Fine -- but doing both at the same time merits Fails for Targeting and Timing.  

We both received upgrade offers and activation offers on the same day. In other words, we found four pieces of Citi mail waiting in our mailbox. 

Citi has business-to-customer relationships, but perhaps they should think about this like a personal relationship between two people who are casually dating. Using this analogy, Citi is having dinner with it's significant other.  While enjoying the salmon, Citi says both "I want to move in with you." and "It's ok to see other people."

Lessons:
1) If at first your targeted offer doesn’t succeed, you can try again -- but at least try something different.
2) Prioritize your business goals; then, prioritize your customer communication tactics.

Rewards+ Upgrade offer I received twice

Activation offer I received twice

My activation offer letter - front

My activation offer letter - back.
Not valid if I chose to switch to Rewards+

My wife’s upgrade mailer

My wife's upgrade mailer - inside.
Same base copy, different personalization.

Different product comparison table,
specific to current Citi card.

My wife's activation offer letter - front.
Same visuals as mine, with card-specific offer.

My wife’s activation offer letter - back.
Also not valid if she switches to Rewards+.

Uber: Too Little Urgency, Yet Too Little Time to Save

I recently wrote about an offer from TD Bank that lacked urgency because of a hard-to-find offer expiration date. This targeted offer I received yesterday from Uber also merits a Fail for Creative for missing the mark regarding urgency. It may also merit a Fail for Offer.

Email from Uber 2/21/19

The Subject Line is smartly personalized with my first name with an offer to “enjoy 50% off.” There appears at first glance to be a significant discount opportunity. The body of the email is also prominent in messaging 50% off not just my first ride, but my next 10 rides with Uber. However, down in the Disclosure, one would learn that the offer expires 2/25/19 at exactly 6:00:00 am. The email was sent on 2/21/19 at 6:54 am local time, which means that I, as a customer, have fewer than 96 hours to take advantage of this offer. (Or maybe I have 99 hours. Perhaps the offer expires 6:00:00 am Pacific Time while I live in the Eastern Time Zone.)

Let’s assume the offer is targeted based on my customer history with Uber. I used Uber’s service only twice in the past 18 months. So, perhaps this offer was targeted at me to encourage me to be a more active customer. If true, I don’t understand why Uber would target a basically inactive customer with an offer that would apply to as many as 10 rides in as few as 4 days. Is Uber expecting me to say, “Wow! Uber is cheap now! I’m going to skip the faster subway or not use my own car for four days?” It doesn’t make sense. If Uber wants me to try out their service again more than once or to prioritize it above Lyft or other services, why not expand the offer applicability window to at least a week?

If I were to write this, I would start with an upfront, clear, honest message with an adequate opportunity for customers to hail an Uber.  It would open with:

“Thank you for being an Uber customer. 

Enjoy 50% off your next 10 rides in the next 10 days.”  

Lessons:

1. Include a clear, prominent respond-by date.
2. Allow customers an adequate opportunity to respond to your offer.
3. If your offer is specific to time of day, specify the applicable time zone.

Citi: Thank You Card Offer Conflicts

One of my responsibilities when I worked at Citi’s Credit Card division was profitable balance growth on their Citi AAdvantage Credit Card. A common way to grow balances then (and still now) was to mail to customers balance transfer checks they could use like regular checks to pay off higher-interest credit cards or use to make significant purchases.

These checks were directly tied to the credit card number and existing account. The functional implication was that, if a customer changed his or her credit card number, the check would bounce. This occurred when a customer’s credit card was replaced due to theft or fraud, or if the customer switched to a different Citi credit card. Poor customer experience!  

Occasionally, the business priority would be to solicit customers to upgrade their existing Citi AAdvantage Card to a more premium product—say, from a basic card with a $50 annual fee to a Gold-level card with an $85 annual fee. The upgrade solicitation list would be prepared in advance and deduped from the balance transfer check solicitation list. This not only prevented checks from bouncing, it also allowed our customer communications to focus on only one aspect of the credit card product during a time period.

Outside of Upgrade Mailer

That policy from years ago comes to mind when I reviewed these two offers, which the same person received related to his Citi Thank You Preferred Card around the same time. In late January, he received an offer to switch his existing Citi Thank You Preferred Card to the new Citi Rewards+ Card. This new card offered a different points accrual method. It’s a shiny self-mailer complete with details, comparison of the customer’s current Citi Thank You Preferred Card to the new Citi Reward+ Card, and more disclosures than you can shake a stick at. Creatively, this is a pretty persuasive mailer.

Upgrade Self-Mailer Inside Panels

A week later, in early February, the same person received a self-mailer with an offer to add an authorized user to his Citi Thank You Preferred Card. Specifically, the offer was an opportunity to accrue 2,500 Thank You Rewards points—worth $25 in gift cards—if the customer adds an authorized user to the card and spends $2,000 by 2/28/19.

Outside of Citi Thank You Add A User Mailer

The first Fail here is for a combination of Offer and Timing. Setting aside the upgrade offer, this offer has a response window of under 30 days. Normally, 30 days is an ideal response window to allow a customer enough time to read the mailer, consider the offer, and take action. But this offer requires the customer to take two separate actions. First, the customer has to request the card for the authorized user. Subsequently, the customer and/or the authorized user have to spend, together, at least $2,000. If there is an expectation that the authorized user would do the spending, the customer would have to wait for the card to arrive in the mail, activate it, give it to the authorized user, and hope that authorized user already had plans to make a pretty significant purchase or two. That’s a lot of activity to expect of a customer during the cold month of February.

Inside of Citi Thank You Add A User Mailer

Most credit card bonus points offers for new customers have a window of 90 days to meet a spending threshold. Perhaps Citi could have structured this offer such that the customer would have 30 days to add an authorized user and another 60-90 days to meet the spending requirement.

The second Fail is a combination of Offer and Targeting. The fine print on the offer to add an authorized user includes the line, “If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer.” In other words, if the Citi customer accepted the offer he had received one week prior to this one, then this offer is void. Poor customer experience!

When I worked at Citi, we took measures to avoid overlapping offers. That does not appear to be the case today. It does not appear to me that one of these mailers was delayed in the mail for a long time, so let’s rule out bad postal delivery. Maybe the Citi Rewards+ Card Product Manager wasn’t aware of what the Thank You Preferred Card Product Manager had planned, or maybe they had conflicting business objectives. I can only speculate.

Lessons:

1. When planning the timing of your mailing and determining the offer response window, consider customer actions required to fulfill the offer.
2. When you mail an offer to your own customers, be sure your offer doesn't conflict with other offers or create a negative customer experience.