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.

Caviar: What Is It?

Two postcards arrived within a day of each other. One includes elements that can make direct mail successful; the other Fails in multiple ways.

This postcard from freshdirect reflects smart use of these elements, specifically:

• Targeting: No one at the targeted home has purchased from freshdirect. The targeted home is in a freshdirect delivery area and in a zip code where overall use of grocery delivery has increased.
  
  
• Offer: There is a new customer incentive of $25 off the new customer's first purchase, -- a good reason to to give freshdirect a try. Plus, the offer is valid for about three weeks from the postcard's in-home date, motivating that customer to take action right away.
  
  
• Creative: The 5 1/2" x 10 1/2" postcard clearly communicates its sales proposition both visually and in prose. One side of the postcard succinctly communicates the service provided, and even includes a tag line to reinforce the sales proposition. The address side includes the call to action and supporting benefits messages. The incentive is unambiguous -- at a glance, the reader knows what it is, the value, when to use it, and how to take advantage of it. 
  
  
• Timing: Mid-October is likely the last time of year to mail and avoid the oncoming clutter associated with holiday catalogs and other gift-related mailings.
  
  
• Execution: The postcard was printed with spot varnish to protect the pictures from appearing scuffed.
  
  
• Tracking: The new customer incentive includes a promo code for the customer to use. This promo code facilitates the customer discount, but it also allows freshdirect to track the customer's path to becoming a customer. This means freshdirect can reasonably assume it was the postcard that motivated customer action.

Well done, freshdirect!

On The Other Hand ... 

The below 6" x 11" postcard from caviar is physically larger than the one from freshdirect, yet it communicates much less. From looking at the postcard, can you answer the question: What is caviar? 

OK, its a food delivery service -- but what kind of food delivery? Does it deliver meals and groceries like freshdirect, in-home food kits like Blue Apron, or perhaps single-person prepared meals like freshly? From the pictures of the kale salad and what I now think may be a poke bowl, I couldn't tell, but a google search revealed that caviar is a delivery service specializing in meals from high-end restaurants. So, I guess it's more like seamless.

According to their snippet on a Google search caviar offers, "Delivery & takeout from the best local restaurants. Breakfast, lunch, dinner and more, delivered safely to your door."  There you go: a brief, succinct explanation -- one that should have been included on the postcard. The snippet also mentions, "Now offering pickup & no-contact delivery." That is an important supporting message during this pandemic that should also appear on the postcard. The lack of a sales proposition and supporting messages is a Fail for Creative. The postcard has plenty of white space, so why not use it?

Also, it takes a pair of reading glasses to review the disclosure noting that this offer is good through December 7, approximately eight weeks after the postcard arrived. That response window is too long to encourage what is typically an impulse decision: namely, what to have for dinner tonight. This wide response window merits a Fail for Offer.

The caviar introductory offer is not valid for DoorDash customers.
It expires eight weeks after arriving in home

That fine print also leads to meriting a Fail for Targeting. The recipient is a regular DoorDash customer, making that person ineligible for the discount. 

I wondered why a meal delivery service would make customers of a different meal delivery service ineligible for a discount. In my research, I learned that DoorDash had bought and integrated caviar into the DoorDash network several months ago. Here in New York City, the integration did not go well. 

For the postcard recipient's mailing address, Caviar offers delivery from only 17 restaurants. That’s a small number compared to DoorDash’s 398 restaurants. (Furthermore, all 17 of Caviar's restaurants were inclusive to those available through DoorDash.) This lack of compelling selection might merit another Fail for Targeting.

There is no reason to expend the cost of sending mail that does not communicate a sales proposition with an invalid, non-urgent discount offer to a home that has limited purchase opportunities. If DoorDash continues to waste marketing dollars like this, caviar's days are numbered. 

Lessons:

1. When soliciting new customers, communicate a compelling sales proposition.
2. A response window should be long enough to give a customer time to respond, but not so long that immediacy is discouraged.
3. Mail your offer only to customers who might be eligible to take advantage of the offer.
   

Merrell: Well-timed offer lacks expiration clarity

A recent conversation at home went like this:

Me: "Hey, honey, did you say you needed new hiking shoes?"

Wife: "Eventually. Mine are starting to wear. Why?"

Me: "We got an offer in the mail from Merrell for 25% off footwear."

Wife: "Well, I do like Merrell, but I don't plan to use hiking shoes in the next few weeks. Maybe I should get replacements now with the discount. When does the coupon expire?"

Me: "It doesn't say."

Wife: "Really?"

Me: "I'll look closer." (Puts on reading glasses.) "It says it expires '30 days from postmark.'"

Wife: "When is that?"

Me: "I don't know. It's not postmarked."

Wife: "Well, whatever, I don't need new hiking shoes right away and I'm pretty busy right now."

This conversation outlines why the postcard merits a Fail for Creative. 

On September 13, 2019, I purchased a pair of Merrell Moab 2 hiking shoes. They are perfect for that outdoor hike around the lake, through a park or in the snow. The postcard arrived October 2, 2020, just a little over a year after I started wearing my previous purchase. So, the timing and messaging around my "Merrell anniversary" are spot on. Kudos to Merrell for Timing.

The postcard included a personalized coupon code for 25% savings; however, there is no mention in the headline regarding when the coupon code expires. I found some information in the disclosure.*

Postcard disclosure text

As I wrote in prior blog posts such as this one and this one, a Call to Action should include a clearly communicated offer expiration date. This is important: The right response window encourages immediacy of customer action; one that's faulty or unclearly defined, however, only encourages inertia.

With the Merrell postcard, the coupon code's expiration date is not only buried in the disclosure, it also references expiring "30 days from postmark"; however, there is no postmark. Postcards mailed Standard Rate are not postmarked by the USPS. So, how do customers know when the coupon code expires? They don't.

There are several ways to care for expiration date communication without jeopardizing the integrity of the message, diluting Merrell's branding or adding production costs. Here is one: Include an offer expiration date in the address section of the postcard. 

Mock-up. I added the expiration date in the address panel

In the above mock-up, the coupon code expiration date is clearly communicated. The date is specific and reasonably prominent. The messaging complements the headline and supports immediate action. It can be inkjet- or laser-personalized using the same variable data method as the producing the coupon code and customer name and address. Depending on the postcard's production method, it could appear in spot color without incremental print expenses.

If Merrell adapts this approach, the only incremental edit would be to rephrase the disclosure to reference the expiration date in the address panel.

Lessons:

1. Your call to action should include a clearly communicated, definitive offer expiration date.
2. Postcards mailed Standard Rate are not postmarked.

* Many people mistakenly refer to small print associated with marketing communications as a disclaimer, when in fact it is a disclosure. According to dictionary.com, a ‘disclaimer’ is “the act of disclaiming; the renouncing, repudiating, or denying of a claim; disavowal” while a ‘disclosure’ is “the act or an instance of disclosing; exposure; revelation.” ‘Disclose’ is defined as “to make known; reveal or uncover” From a Marketing standpoint, a disclaimer is an admission that the headline is false – otherwise why renounce it? However, a disclosure provides secondary but relevant facts of an offer. So the only reason an offer or marketing communication would require a disclaimer is if it was misleading from the onset.

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.

PenFed Credit Union: Not Military Precision

I recently received this solicitation from PenFed Credit Union, whose formal name (according to Wikipedia) is Pentagon Federal Credit Union -- a name that aligns with the company’s pentagon-shaped logo. 

The solicitation letter is pretty typical for mid-tier credit card providers: window envelope with teaser; letter with Johnson Box; clear Call to Action; Schumer Box; buckslip insert reinforcing benefits and the call to action; and required credit prescreen opt-out notice.

The first line of the disclosure on the front of the letter reads, “To receive any advertised product, you must become a member of the PenFed Credit Union.” I originally thought this might be a Fail for Targeting since I have never worked in the military services or at the Pentagon and thus, I thought, would not be eligible for membership. The letter itself does not mention membership criteria, and I also could not find a mention on the main pages of their website or their sitemap. I did, however, find some information about membership eligibility from third-party websites such as on WalletHub; from there, I returned to a page that listed Affinity Partners. 

On affinity partner pages such as this one related to the American Red Cross, there is some copy that reads:

"Congratulations! As an employee, retiree, or volunteer of the American Red Cross you are eligible for PenFed membership! How does PenFed define volunteer? A volunteer is anyone who provides time, talent, or treasure. Time is the hours volunteering for the organization, talent is the unique skills a volunteer brings to the organization, and treasure is both financial and blood donations."

Aha! I am eligible for PenFed Credit Union membership because I supported the American Red Cross. Perhaps the Red Cross shared my contact information with PenFed in hopes that I would become a member and the Red Cross would receive some benefit for the referral. If I am correct -- and, perhaps even if I'm not -- the letter merits a Fail for Creative because the letter lacks an explanation of membership eligibility. 

The letter should explain membership eligibility and how broadly they define it. Even a couple lines along the lines of "We support people who serve the military but also offer membership benefits to tens of thousands of other people who support the military or one of our affinity partners." Or, if I received this offer because of my history of American Red Cross support, why not call that out? Touting affinity relationships helped make MBNA America successful -- perhaps that approach could work for the credit union.

At the very least, PenFed should add a page on its website explaining membership criteria -- a page that is indexed by Google, easy to find and easy to understand. This easy-to-find page on Affinity Federal Credit Union's website is a good template.

Also, is this offer a Fail for Timing? According to CNBC and other news sources, many banks are cutting back on balance transfer offers during these extraordinary times. Perhaps the credit union has a contrary view of where the economy is headed. Or, maybe it has reviewed its current membership pool and credit prescreen criteria and has taken a different view of credit default risk. Or, maybe the credit union had planned this campaign long in advance, and just decided to move forward.

Lessons:

1. If soliciting members for your credit union's credit card, include language that suggests the person is not only eligible for the credit card, but also eligible to join the credit union.
   
2. Membership eligibility for a credit union should be easy to find.
   
3. Consider whether a pandemic is a good time to offer 0% balance transfers.

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.

Santander Bank: What To Do to get $300?

As competition in retail banking increases, brick-and-mortar banks continue to offer incentives in the form of bonuses to open an account. I recently wrote about TD Bank’s self-mailers. This one from Santander Bank is a simple postcard—in fact, it’s too simple. That’s why it merits a Fail for Creative.

Postcard Front

The front of the postcard prominently messages the opportunity to get a $300 bonus for moving to Santander Bank, but does not explain what that means. The only hint of an explanation is a small message to “See reverse for important information.”

Postcard Back

The back of the postcard communicates some of the benefits of banking with Santander and includes a Call to Action to visit a website or visit a nearby branch with the postcard. That’s nice, but what about that $300? What does a prospective customer need to do to get the bonus? The explanation is buried in the long Disclosure. (If you can read the explanation without visual support, you don’t need glasses.) While the 17-line Disclosure is concise, it is not clear to a casual reader. That lack of clarity is a Fail, because who wants to put on reading glasses just to figure out what hoops to jump through to get the bonus?

I’m not a lawyer, so this isn’t legal advice. As a marketer, however, I think the lack of clarity may not only be bad marketing, it may also be a violation of FTC regulations. Current regulations state: 

“When making ‘Free’ or similar offers all the terms, conditions and obligations upon which receipt and retention of the ‘Free’ item are contingent should be set forth clearly and conspicuously at the outset of the offer so as to leave no reasonable probability that the terms of the offer might be misunderstood.” 

While the terms of the offer to get the free $300 are clear, they are not conspicuous. The offer landing page explains the terms adequately; however, it refers the customer back to the postcard.

Top of landing page

Lesson:

When presenting an offer to a prospective customer, clearly and conspicuously explain what needs to be done to obtain that offer.

Hertz: App Offer "Terms Apply" - What Are They?

Hertz has had a challenging time with their customer app. In fact, execution of their app redesign was so bad that, only a few weeks ago, Hertz sued their marketing partner Accenture (pdf here). So, when Hertz finally had a newly redesigned app ready for prime time, it made sense to promote it.

When promoting engagement of an app, offering an incentive for use is an effective tool. This week, Hertz is offering customers a free car rental day. I recently received the below email as a Hertz Gold Plus Rewards member.

Hertz new app promotional email with message that "Terms Apply"

According to the email, I can get a free rental day when I use the app. The headline message has an asterisk—or, in this case, a paragraph symbol (¶)—indicating there is a Disclosure on the page regarding the offer. Based on the corresponding paragraph symbol, the Disclosure reads simply, “¶ Offer ends 06/30/19. Taxes and fees excluded. Terms apply.”  

OK, so what are the terms?

I thought the landing page might perhaps have more information; however, it includes only the same Disclosure that “Terms Apply.”

Landing page. Disclosure circled.

I thought there might be at least a link here to the terms that apply, but there is not. We know from the email that the offer is valid on rentals of 5 days or more and expires on June 30, 2019. The landing page includes the additional Disclosure that the offer is available only in the United States and Canada, but what else? Is it valid in Hawaii? At airport pick-ups? For Hertz Local Edition? Can I combine it with a free upgrade offer? Do AAA discounts or my CDP number combine with this offer? Do I need to reserve at least 7 days in advance?

These are details, but are relevant details that may or may not drive decision. By not sharing them and merely stating, “Terms apply”, this email and related web page merit a Fail for Creative.

I messaged Hertz via Facebook yesterday and asked what terms apply to this offer. They didn’t know. At their request, I shared the above email and landing page. They responded that they will research this. I received some follow-up questions, so they are still researching.

Update 5/17/19: Hertz communicated to me via Twitter:

Hello Marc. When on the app, you will stay on the home page, under the YouTube video, you will click on the promotion that states " App Exclusive", when you click that you will see at the top "Get a free day when you rent for five" and scroll up. It states the offer summary and the Terms and Conditions. If you are still having trouble, please reach back out for further assistance. We will gladly walk you through the steps. Thank you. -DR

This reinforces my point -- that terms are not upfront and hard to find. There is no reason both the email and landing page could have disclosed at least "Please review the offer in our new app for additional terms that apply."

Lesson:
When you present an offer, share the terms of the offer upfront. At the very least, know what they are.

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.

TD Bank: New Account Offer Missing Urgency

I recently wrote about an email from Vanguard that lacked a respond-by date -- and, therefore, lacked urgency. This self-mailer from TD Bank also lacks a clear respond-by date and thus merits a Fail for Creative.

Outside of Self-Mailer

First fold-out panel

The folded self-mailer includes an offer of up to $500 if the customer opens a checking account and a savings account. The amount of free money is as low as $150 if the customer opens only one type of checking account, but that’s not chump change. The call to action is to open the banking accounts at a local banking branch, TD Store, or by visiting a special landing page. The landing page reinforces the offer with the same imagery as the self-mailer. That’s nice creative coordination.

Inside panels

However, the mailer buries the offer expiration date in the disclosure. The first line reads, “Offer valid from January 15, 2019, through March 13, 2019...” It is found in small, light gray type (e.g., not designed to be read). The only sense of urgency conveyed is in the call to action to “Get started today.”

Only mention of offer expiration date
(I added the red circle)

The landing page includes mention of “Offer expires March 13, 2019” above the fold and in the pictures, making them hard to miss. That’s smart. However, the person who receives the mail needs to visit the website to be able to clearly see the offer expiration date.

Offer landing page: td.com/Earn500

Lesson:
If you want customers to respond to your offer, include a clear, prominent respond-by date.

Affinity Federal Credit Union: Missing the Point — er … Points

This self-mailer from Affinity Federal Credit Union merits a Fail for Creative for failing to fully explain their offer.

Outside of self-mailer

Address Panel

During most of the year, purchases on the AffinityFederal Credit Union Pure Rewards Visa Card earn 1 point per dollar spent. Based on their redemption options, I estimate this equates to a rebate value of approximately 0.7%. Every year for the past several years, the credit card has proactively offered customers a simple points multiplier of double points or triple points for purchases in November and December to encourage purchase activity during the holiday shopping season. 

This year, the points multiplier appears to be vary based on the type of merchant. According to the self-mailer, purchases at “Bookstores, including Amazon.com” earn “5 Bonus Rewards Points,” while purchases at “Gas and Restaurants” earn “3 Bonus Rewards Points” and “Supermarket and Wholesale stores” earn “2 Bonus Rewards Points.”

Interior of self-mailer

The language suggests the customer might earn 5 Bonus Rewards Points per purchase at Bookstores. What I believe the credit union is attempting (but failing) to explain is that some purchases earn 5 Bonus Rewards Points per dollar. Even the Disclosure copy fails to explain this as such. It reads:

*Bonus points are earned as follows: in additional to the standard points you earn (1 point per $1 spent or 2 points per $1 spent if you quality for EvenMore perks), you will receive 5 bonus points on bookstores, 3 bonus points on gas and restaurants, and 2 bonus points on supermarket and wholesale store purchases less returns during the promotional period …

It appears to me that, if a customer makes a $100 purchase at a bookstore, the customer will receive 105 points. If the intention is that the customer should receive 600 points for that purchase (6 total points per dollar spent), then the offer copy should read “5 Bonus Rewards per Dollar” and the Disclosure should read:

*Bonus points are earned as follows: In addition to the standard points you earn (1 point per $1 spent or 2 points per $1 spent if you quality for EvenMore perks), you will receive 5 bonus points per $1 spent on bookstores, 3 bonus points per $1 spent on gas and restaurants, and 2 bonus points per $1 spent on supermarket and wholesale store purchases less returns during the promotional period …

The communication of the bonus points offer appears sloppy in a couple other ways. First, Amazon.com is not a bookstore. According to Wikipedia, Amazon.com started selling items other than books in 1998. Rather than “Bookstores, including Amazon.com,” the category headline should read “Amazon.com and Bookstores.” 

The second category reads, "Gas and Restaurants" when it should read "Gas Stations and Restaurants" for clarity.  Otherwise, a person who purchases gas at CostCo would expect to receive 3 bonus points per dollar.  The third category reads, “Supermarket and Wholesale stores” when it should read “Supermarkets and Wholesale Stores.” 

Lessons:

1. Explain your offer clearly and concisely in the body of your communication as well as in your supporting Disclosure.
2. Be sure to have your marketing communication proofread for clarity and accuracy.
3. Amazon.com is not a bookstore.