10 Points To The Best Answer!!!! I Need A Quick Answer!!! Credit Card Habits?!?!?
i work for First National Bank of Omaha. First National’s Credit Card division is placing a lot of focus on “Innovation” for 2010. With all the government law changes, the banks profit margins are being squeezed. So First National is encouragin everyone to think innovative every day. With this effort, employees may be rewarded for ideas, process changes, etc that help improve the profit margin or reduce expenses.
So what i am hoping, is for all of you to think innovatively about credit cards and your habits involving them.
Some ideas that may help spark your thoughts:
- Changing the design/look of the card to better entice customer loyalty
- Many cards have reward options such as frequent flier miles, cash back, discount on gas pump price, reduced interest of fees for good behaviors. What would entice you to use a card?
-new laws are affecting interest rate increases, late fees, over the limit fees, annual fees, etc. Can you think of other measures that help create more income or reduced expenses?
PLEASE HELP ME. I NEED A QUICK ANSWER PLEASE!!!!!!!! ANYONE WHO CAN, PLEASE GIVE ME SOME TIPS!!!!!!!!
THANK YOU SO MUCH TO ANYONE WHO ANSWERS!!!!!!
Tags: Answer, Best, Card, Credit, Habits, Need, Points, Quick
Cashback is more enticing to me that frequent flier miles or gas discounts. I know that I will be able to use money. I do not know whether I will use any particular airline or buy any particular brand of gas. Reduced interest rates do not entice me because I do not pay interest (I pay the balance in full every month).
Design/look of the card do not matter to me.
One way to reduce expenses is to send less unnecessary mail. Bank of America sends me ridiculous numbers of unsolicited cash advance checks or balance transfer checks. This wastes postage for them and forces me to use my shredder more than I want.
lower interest rates (you could increase service charges to compensate), some rewards for paying a certain amount over minimum payment. most men don’t want a flashy charge card, and most women do so you could tailor to that.
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