Showing posts sorted by relevance for query disclosure. Sort by date Show all posts
Showing posts sorted by relevance for query disclosure. Sort by date Show all posts

10/02/2020

PayPal: Selling Honey Requires a Key Ingredient

   This recent email from PayPal merits a couple Fails for Creative

PayPal Honey Offer. What is Honey?
PayPal Honey Offer. What is Honey? 

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 HoneyWhy 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.

10/25/2020

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.

freshdirect new customer offer

freshdirect new customer offer

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? 

caviar new customer offer 10/2020

caviar new customer offer 10/2020


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.


caviar postcard disclosure text 10/2020
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. 

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.

12/15/2020

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.

FTD Anniversary Coming Email
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.  

FTD apology email
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.

3/31/2010

Comcast: Sending the same Failed Mail – it’s Comcastic!

This letter from Comcast arrived today. If it looks familiar, it is because it is almost exactly the same failed mail I covered earlier this month. The outer envelope is exactly the same as the first mailing – e.g. semi-blind outer envelope addressed to me “or Current Resident” – so I did not bother scanning it. The letter shown here has the same offer, layout, and body copy as the original letter. The only changes are the respond-by date and response phone number.

This suggests that the original letter was deceptive. The original letter stated … this special offer is only available until March 31, 2010.” However, it now appears to be widely available for at least another half month. There is nothing wrong with creating urgency by including a specific respond-by date, but stating that an offer expires by that date when in fact it does not is misleading when you plan a second mailing of the same offer. It erodes trust with your customer. An appropriate approach in the original letter would be “Please respond to this special offer by March 31, 2010.” or “To take advantage of this special offer, call 1-xxx-xxx-xxxx by March 31, 2010”.

It is generally not misleading to have a grace period after a respond-by date. For example, if want people to respond by March 31, you could accept responses until say, April 7, because some people read their mail late, don’t get around to calling, or delivery is delayed. What is misleading is when your urgency level suggests the offer is final but you send the same offer with a later offer expiration date.

Let’s assume for the moment that the offer in fact expires April 16 and assume that the rest of the letter is final. Even if the offer is available only for existing customers, including the word “customer” in the close is superfluous. The limitation of “only” does not apply to the availability but to the timeframe. An improved means of closing the letter would be “Hurry! This special offer is available only until April 16, 2010. Call 1-xxx-xxx-xxxx today.” If your manager or legal reviewer is directing you to emphasize that the offer is available only to customers despite having a disclosure, then replace “special” with “exclusive”.

Another Fail for Creative applies for the extra space in the closer between “until” and “April 16, 2010.” Someone did not check the spacing.

Of course, a basic Fail applies for repeating use of the same envelope and letter without material modifications. As explained here, if a recipient does not open or respond to the first letter, there should not be an expectation that the recipient responds to the second one using the exact same approach.

On a positive note, Comcast intelligently used a different phone number in the second mailing. This will enable adequate tracking of raw call counts for each of the two letters.

Learnings:  While it is productive to maintain a sense of urgency, do not mislead customers about when an offer expires. Proofread your grammar and every line in your communication. When resending the same offer, modify the creative from the original version. Track distinctly responses from each sales communication.

4/15/2021

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

Norton Antivirus Renewal Notice

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. 

5/02/2021

Freshly: How Do I Share My Code?

This email from Freshly merits a Fail for Creative.

Freshly referral / share email
Freshly email to customers inviting them to share


Freshly is a meal subscription service. It offers reasonably healthy, pretty fresh refridgerated meals that can be prepared in the microwave in about three minutes. Personally, during the pandemic lockdown, it helped me have several quick, tasty lunches between Zoom meetings. They've offered a referral program since as long as I've been a customer (at least I think so -- during the lockdown, one business day sometimes faded into the next). 

This offer is a bit different. The email recipient, a current customer, is given a "share code" to send a Freshly Freebie to someone who can get a free week of meals. Nice; however, there is no explanation of how to share. The email lacks an explanation of what I or that special someone needs to do to use that share code and enjoy that free food. This lack of explanation puts traction in the customer process of sharing, which reduces the likelihood of customer action.

The offer was sent on April 29 and expires May 6. This means the offer expires only a week after sending. The offer window is appropriately sized for an emailed offer; however, because the expiration date is mentioned only in the disclosure, the attribute of immediacy in the Call to Action is lost. The expiration date should be communicated in body copy, e.g. "Your share code is valid only through May 6, 2021, so be sure to share your Freebie today!"

Lessons:

  1. Your Call to Action should clearly describe the steps required for the customer to take advantage of your offer.
  2. Do not bury your offer expiration date in your fine print. 


10/06/2015

TurboTax: Tax Time Starts Very, Very Early

I received a solo letter package from TurboTax on September 30 – a time when Halloween candy is on the shelves at the supermarket. This appears to me to be very early. I have yet to think about what I’m getting my wife for the holidays much less filing my 2015 taxes, but I’m only a focus group of one. On an overall marketing basis, is this a Fail for Timing or is this a smart way for Intuit to get ahead of the volume of holiday catalogs in the mail to reach out to and insulate customers for repeat purchase history?  

Envelope Front
Envelope Back
Creatively, the solo mail package is clean. On the front envelope teaser, there is a clear call to action. The rear teaser has a reinforcement message with an implied savings offer. The inside letter communicates the TurboTax value proposition using several direct mail best practices: Johnson Box, bulleted clear call-outs of features and benefits, and a reinforced call to action. The accompanying brochure breaks down the products – differentiating them in a clear manner while reinforcing the overall and individual product propositions.

Em dashes are used in a few places in headline and body copy. These are often interruptive and can be a good replacement for a comma. But utilizing a triple-dash style with no space often gives the reader the feel of there being two sentences rather than a single broken sentence. Take this line adapted from the outer envelope rear teaser:
Get your biggest refund – guaranteed! 
The use of the shorter en dash with spaces before and after creates a better visual flow compared to:
Get your biggest refund—guaranteed! 
The latter may be closer to grammatical correctness, but this isn’t a college essay – it is a marketing communication. 

Letter front
It is odd that the first solicitation for the next tax year would be via snail mail, where there is a hard cost of printing and postage. Why not at least start with an email? Intuit has my email address, and it costs nearly nothing to send me a customized email noting my product choice from last year and offering an opportunity to get the same product this year.

The offer is nothing special. There is a vague “SAVE $10*” message in several places. The disclosure on the back of the brochure reads “* Savings and price comparison based on anticipated price increase 3/18/16.” That is not quite a compelling reason to make a purchase now, especially considering the fact that the money-back guarantee applies only within 60 days of purchase. If I make a purchase now, I will still be eating leftover Thanksgiving turkey when the guarantee expires. Not even Ned Flanders gets started on his taxes before the end of the yearThe lack of a bona fide customer value for immediate action merits this a Fail for Offer

Perhaps Intuit was trying to standardize the mailer and purchase process, but, in doing so, may have missed personalization opportunities. For example, I have used the Premier version of TurboTax every year for at least a decade. That would suggest that I have no interest in the Deluxe version this year, so about a quarter of the brochure’s content is irrelevant to me. Rather than explain a likely irrelevant lower tier product, perhaps the focus could have been on resale and upsale.
Back of letter


If you are going through the effort and expense to send a personalized solo mail package, consider having a personalized offer with personalized tracking such as a unique offer code or personalized URL, product recommendations based on prior purchases, and an offer that expires soon. This could allow the customer to not have to complete a long form when repurchasing your product online. Not only will this address the customer based on his/her purchase history and information, you have the opportunity to fully track customer interactions.

Lessons:

  1. Consider the Timing of your marketing communication relative to seasonal level of consumer interest as well as macro-marketing conditions.
  2. Direct mail may not be the best method to reach out to your existing customer base when there are lower-cost methods available.
  3. Consider how you use dashes in every sentence.
  4. Have an offer that compels immediate action.
  5. Use your database to personalize your marketing communications and customer interactions.
Brochure Cover

Brochure Back

Brochure interior
Brochure interior

2/22/2019

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.


Uber sends an offer with a compressed, hidden response window
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.

2/20/2019

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.

TD Bank New Customer Offer

TD Bank New Customer Offer
Outside of Self-Mailer

TD Bank New Customer Offer
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.

TD Bank New Customer Offer

TD Bank New Customer Offer
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.”


TD Bank New Customer Offer
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.

TD Bank New Customer Offer
Offer landing page: td.com/Earn500

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

7/06/2020

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.


PenFed Federal Credit Union






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.

6/09/2013

Not So Free Parking at Newark Airport



Solicitation email

This email offering a free day of parking is a Fail for Creative

The email subject line reads “Get 1 Day Free at EWR & JFK”. The content of the email also touts enjoying “1 day of free parking at Newark Liberty & JFK airports!” It is not until the reader prints the coupon that he or she discovers that the free day has strings attached. The customer must park at the airport for 3 or 5 days to obtain the benefit of the free day.

Coupons with conditions
Ideally, the headline of the email should include the contingency of the offer, i.e., “Get 1 Day Free at EWR & JFK when you park 5 days.” If not, then the body of the email should include an adequate disclosure or at least reference the contingency of the offer, i.e., “See coupon for details and conditions,” “Minimum parking stay required,” or a similar message. But, even in the fine print, this email does not include a mention of the minimum parking requirement.

When a business sends offers where the conditions are not clearly communicated, it not only degrades customer trust and brand equity, it is often a violation of Federal Trade Commission rules.

Lesson: When presenting an offer, communicate the requirements for your customers to benefit from the offer upfront and clearly.

Fine print - no mention of minimum parking requirement