by Joe, want to accompany his pioneering?


Updated 2/25/16

Only a certifiable nerd curates the 3 most credible resources:  Rewards Points and Bank Points

  1. Frequent Miler: Buying Points Unwittingly
  2. I Will Teach You To Be Rich: Mental Accounting For World Travel
  3. Frequent Miler: Banking Transferable Points & Keeping Them Alive

+ Discover What The Geeks Know That You May Not

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Photo Credit: Herd & License

Photo Credit: Herd & License

Credit card companies vie over the “share” of consumers’ wallets in order to increase company profits.  One of the major ways in which credit card companies have found success is using direct mail as their major marketing channel.  In direct mail campaigns, credit card companies average about $80 for each new customer.  The costs of marketing, and “processing” to acquire each new customer mean that almost all credit card offers involve a reward or a rebate incentive.

Banks pursue new customers and retain current customers based on the loyalty model that has proven to encourage more customer spending.  Bank now offer products with built-in "stickiness" to entice and retain consumers. It is no longer just enough for credit card companies to attack consumer attention by competing on the cost of extended credit.  Zero percent interest teaser offers no longer have proven to be worth the majority of customers’ time.  Because of the competitive nature of the banking industry, credit cards have been forced to become more and more creative in reward and rebate schemes.  Bank proprietary rewards points programs have become the modern day equivalent of walk home and finding a small bit of lost money on the ground with no one around to claim it.  – Adapted from PBS

Journey far,

― Joe

Get more. That’s the point.
KeyPoint Credit Union

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Intentionality Ink

1900 North 12th Street, Grand Junction, CO, 81501

I have been fortunate enough to pay off all my debt, travel to all 7 continents, and complete a Bachelors of Psychology & MBA in Finance. I am eternally grateful to the brilliant and self-less people who have gone before me to pave the road.

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