Credit Card Grrl

The 411 on the marketing side of the credit card industry

20050427

Discover / Orchard Bank / Bank of America

The following announcement was distributed to affiliate marketing partners of Discover, Orchard Bank, and Bank of America.

**New Discover Changes**

Effective May 1, 2005 text, banners, and card art will be changing for
all Discover offers.

Discover® Card changes for May 1, 2005
Main Changes:
1. 7.99% ALA (APR?) Pricing will be changing to 8.99% ALA pricing on all Platinum Cards
2. All references to the Cashback Bonus® program is changing on banners and copy. The Cashback Bonus will be changing from “Up to 2% CBB” to “Up to 1% CBB.”
3. Gas card art will be changing – New banners reflecting the change are attached
4. Miles Card - 5000 Bonus Miles will be awarded on First Purchase instead of First Transaction – New banners and Card Art will reflect change
5. Student Card – The name will be changing for both the Student Card and the Student Classic Card – New banners and Card Art will reflect change
6. 0% Intro APR will now be available for both the Student and Student Classic Card – New Banners and Card Art to reflect change.

Discover® Platinum Card:
· 7.99 ALA pricing changing to 8.99 ALA pricing (All onsite ALA references must reference 7.99 pricing)
· All banners with Up to 2% CBB changing to Up to 1% CBB (All creatives are attached)
· New onsite copy attached

Discover® Platinum Clear Card:
· 7.99 ALA pricing changing to 8.99 ALA pricing (All onsite ALA references must reference 7.99 pricing)
· All banners with Up to 2% CBB changing to Up to 1% CBB (All creatives are attached)
· New onsite copy attached

Discover® Platinum American Flag Card:
· 7.99 ALA pricing changing to 8.99 ALA pricing (All onsite ALA references must reference 7.99 pricing)
· All banners with Up to 2% CBB changing to Up to 1% CBB (All creatives are attached)
· New onsite copy attached

Discover® Platinum Wildlife Card:
· 7.99 ALA pricing changing to 8.99 ALA pricing (All onsite ALA references must reference 7.99 pricing)
· All banners with Up to 2(All onsite ALA references must reference 7.99 pricing)
· % CBB changing to Up to 1% CBB. Banners will also no longer reference “Introducing the” Platinum Wildlife Collection (All creatives are attached)
· New onsite copy attached

Discover® Platinum Gas Card:
· 7.99 ALA pricing changing to 8.99 ALA pricing (All onsite ALA references must reference 7.99 pricing)
· Card art options changing (Card art is attached)
· All banners will change to feature new card art images. Banners will also focus on Up to 5% & 1% CBB instead of Up to 10% & 2% CBB (creatives to be sent)
· New onsite copy attached

Discover® Classic Student Card:
· Name changing to Discover® Student Classic Card (All onsite references must reference the new name)
· All banners will change to feature new card name, card art and 0% Intro APR (All creatives are attached)
· New onsite copy attached
· Regular APR on Purchases changed from 15.49% to 15.74% as of 4/15 (Please make onsite changes to reflect the new APR)

Discover® Card for Students:
· Name changing to Discover® Student Clear Card (All onsite references must reference the new name)
· All banners will change to feature 0% Intro APR (All creatives are attached).
· New onsite copy attached
· Regular APR on Purchases changed from 15.49% to 15.74% as of 4/15 (Please make onsite changes to reflect the new APR)

Discover® Student Tropical Beach Card:
· Now available for listing/incentive sites (no banners developed yet)
· Onsite copy available

The Miles Card from Discover® Card:
· 5000 Bonus Miles with the first use of your card changing to 5000 Bonus Miles with your first purchase
· New onsite copy available to reflect change

Discover® Gold Card:
· Card discontinued as of 4/15

Discover® Titanium Card:
· No Changes


**Orchard Bank**

Orchard Bank is getting ready to start enhancing its approval process
and increasing the number of approvals given. Please promote this
offer in order to benefit from this!

**Reminders**

Bank of America has informed us that they are going to start removing
people completely from their program if they are caught bidding on
their terms. If you are bidding on any Bank of America terms, please
stop immediately. Even if you are unsure of whether a term belongs to
Bank of America, stop until you can ask someone.




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Please note that any links directly to card product offers are provided for informational purposes only. Any descriptions within this post about an offer may not necessarily align with the offer to which these links connect.

20050415

Tax Day updates

**Prime Rate Increased to 5.75% on March 22nd**

This is a friendly reminder that the Prime Rate increased on March 22,
2005 to 5.75%. If you have APRs listed on your pages, please make sure
these are updated immediately. The Prime Rate increase is a change
across the financial industry and we appreciate your help maintaining
compliance.

**Discover Gold (r) Card Discontinued**

The Discover Gold (r) Card will be discontinued as of Friday, April 15,
2005. Please remove all links, text, and creative for this offer no
later than this date.

**New Offer from Chase**

As many of you may know, Chase and Bank One have recently merged. To
celebrate the merger, a new card has been released - the Free Cash
Rewards Platinum Visa(r) Card
.

**Bank of America Program Temporarily Pausing Jeep, Chrysler, and
Dodge Rewards Visa Creative **

This is another reminder that Bank of America has kindly asked that
effective Thursday, April 7, 2005, all Jeep, Chrysler, and Dodge
Rewards Visa copy and creative be temporarily, but immediately removed
from your website(s), as they are reviewing the creative/copy
guidelines before re-launching the cards.

**Bank of America NO E-MAIL Marketing Policy Reminder**

In order to continue on the the path of success, Bank of America would
like to remind you that absolutely NO e-mail marketing is allowed.
Anyone found using e-mail as a means to market Bank of America or any
of its credit card offers will be immediately terminated from the
program.

**Promote New Hilton HHonors(r) Card Benefits**

American Express is excited to announce enhanced Hilton HHonors(r)
Platinum Credit Card
benefits for new card members starting Friday,
April 15th! These are permanent benefits of the card. Use this
promotion to target consumers who want a credit card with an excellent
travel rewards program. See the offer details below.

Hilton HHonors(r) Platinum Credit Card from American Express

10,000 additional HHonors bonus points!

New Benefits:
- Up to 10,000 HHonors(r) bonus points with your first four stays at any Hilton.
- 5 Hilton HHonors(r) bonus points for each eligible dollar spent on
stays at over 2,700 Hilton Family hotels worldwide and for eligible
purchases at grocery stores, drugstores, gas stations, restaurants,
the U.S. Postal Service, and for wireless phone bills.

Existing Benefits:
- No annual fee
- 10,000 Honors points with first purchase with the Card

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Please note that any links directly to card product offers are provided for informational purposes only. Any descriptions within this post about an offer may not necessarily align with the offer to which these links connect.

20050414

HSBC General Motors MasterCard ... oops

Polo Ralph Lauren Customers' Data Stolen
Thursday April 14, 12:17 pm ET
Theft of Credit Card Information at Polo Ralph Lauren Leaves Thousands Vulnerable

NEW YORK (AP) -- Data apparently stolen from the popular clothing retailer Polo Ralph Lauren Corp. is forcing banks and credit card issuers to notify thousands of consumers that their credit-card information may have been exposed. HSBC North America, a division of London-based HSBC Holdings PLC, has begun notifying holders of the HSBC-issued, General Motors-branded MasterCard that criminals may have obtained access to their credit card information and that the cards should be replaced.

HSBC spokesman Stephen E. Cohen said Thursday that "we began doing it last week, and we are continuing." He said that about 180,000 GM-branded card holders are affected. Neither Cohen nor spokesmen for MasterCard International would identify the retailer by name.

The security breach was reported in Thursday's editions of The Wall Street Journal, which quoted "people with knowledge of the matter" as saying the data was stolen at Polo Ralph Lauren. A spokeswoman at Polo Ralph Lauren, which is headquartered in New York, said "we have no comment at the moment" on the report. She asked that her name not be used. In morning trading, Polo Ralph Lauren shares dropped 38 cents, or 1 percent, to $38.08 on the New York Stock Exchange. It was unclear how many other cards might be at risk, but both Visa USA Inc. and MasterCard-the nation's largest credit card associations-were reported to be dealing with Polo Ralph Lauren on the matter.

MasterCard said in a statement that it was informed of a possible security breach "of transaction data associated with a U.S.-based retailer" in January 2005 and had launched an investigation immediately. The statement said banks that are members of the card association were notified. "Investigations into this incident by MasterCard, law enforcement and other parties are ongoing," the statement said.
There was no immediate comment from Visa USA.

In response to a reporter's query, Citigroup Inc., the nation's largest financial institution, confirmed that it currently was "notifying some customers who we think may be at risk." The New York-based bank said it takes "appropriate action" when notified by Visa or MasterCard of potential security breaches, but gave no other details.

It was the latest in a series of data thefts that have increased public concern about the security of their personal information. ChoicePoint Inc., which is based in suburban Atlanta, disclosed in February that thieves, who operated undetected for more than a year, opened up 50 accounts and received vast amounts of data on some 145,000 consumers nationwide. Authorities said some 750 people were defrauded.

In March, DSW Shoe Warehouse, based in Columbus, Ohio, said that more than 100,000 customers of a shoe-store chain likely were affected by a cyber break-in of the company's database.

Earlier this week, London-based Reed Elsevier, which owns LexisNexis, revealed that criminals may have breached computer files containing the personal information of 310,000 people since January 2003. HSBC's Cohen said the bank did not yet know if the thieves had used any of the data they got. "We're being cautious, and we want to protect our customers' accounts, so we're notifying them," he said.

20050407

Citi vs. MasterCard ?

Battle of the Brands

This article is interesting for reasons that I currently cannot articulate thanks to the weather, which has given me the attention span of a squirrel, and my workload, which has given me the patience of a toddler.

20050406

Signing Credit Cards

I happened upon this for actual work-related purposes and almost snarfed my decaf Lipton tea.

Ooon Arteeest

Life as art. Beautiful.

FYI: The Post Office will not accept credit cards that read "Please ask for ID" on the back. They claim it's because the credit card issuers state that this makes the cards invalid. But that's BS... I've worked with two credit card issuers and I know the score.