Received: from nobody by stodi.digitalkingdom.org with local (Exim 4.87) (envelope-from ) id 1cmNMw-0003FR-CI for lojban-newreal@lojban.org; Fri, 10 Mar 2017 08:26:18 -0800 Received: from [194.67.222.11] (port=55227 helo=member.yourmembernewestpoints.com) by stodi.digitalkingdom.org with esmtp (Exim 4.87) (envelope-from ) id 1cmNMr-0003Eg-WE for lojban@lojban.org; Fri, 10 Mar 2017 08:26:17 -0800 Date: Fri, 10 Mar 2017 09:31:43 -0700 Reply-To: CostcoBonus@yourmembernewestpoints.com From: CostcoBonus MIME-Version: 1.0 Content-Type: text/html; charset=UTF-8 Content-transfer-encoding: 8bit To: lojban@lojban.org Message-ID: Priority: Normal Subject: You've just-earned $50-in Costco-Points: Please-Redeem. X-Spam-Score: 1.6 (+) X-Spam_score: 1.6 X-Spam_score_int: 16 X-Spam_bar: + X-Spam-Report: Spam detection software, running on the system "stodi.digitalkingdom.org", has NOT identified this incoming email as spam. The original message has been attached to this so you can view it or label similar future email. If you have any questions, see the administrator of that system for details. Content preview: Member-Rewards Dear lojban@lojban.org, As a valued-Costco shopper, we have a $50-bonus available for you as our way of saying "thank you" for your years of continued-business. [...] Content analysis details: (1.6 points, 5.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.0 URIBL_BLOCKED ADMINISTRATOR NOTICE: The query to URIBL was blocked. See http://wiki.apache.org/spamassassin/DnsBlocklists#dnsbl-block for more information. [URIs: yourmembernewestpoints.com] 1.2 DEAR_EMAIL BODY: Message contains Dear email address 0.7 MIME_HTML_ONLY BODY: Message only has text/html MIME parts -1.9 BAYES_00 BODY: Bayes spam probability is 0 to 1% [score: 0.0000] 0.0 HTML_MESSAGE BODY: HTML included in message 0.8 RDNS_NONE Delivered to internal network by a host with no rDNS 0.8 STOCK_TIP Stock tips Member-Rewards
 

Dear lojban@lojban.org,

As a valued-Costco shopper, we have a $50-bonus available for you as our way of saying "thank you" for your years of continued-business.

But keep in mind that this-reward will only be available for the next 24 hours, at which point it will-expire if you have not claimed-it.

Simply follow the link-that has been provided below here and answer the brief-survey that follows to get your $50-Costco bonus right now.


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Costco did something risky -- some would say foolhardy -- in June 2016, when it dropped its longtime credit card partner American Express (NYSE: AXP) in favor of Visa cards from Citigroup It was a challenging move because all of its members who had the former American Express card would need to be issued the new Visa card and activate it. And, to compound the problem, because of the contracts involved, the actual switch was very abrupt. On June 19, the old American Express cards worked, and the new ones did not. When Costco stores opened on June 20, the old cards were dead, and not only was Visa the company's new rewards card provider, the chain now did not accept American Express at all. It was chaos at first This, as you might imagine, created some initial confusion. In some cases, it was because consumers ignored the store signage and many mailings about the change. In others it was simply American Express cardholders who had no idea why their regular cards, not Costco rewards cards, were no longer accepted by the warehouse club. Early problems with the switch led to more than 1.5 million calls to Citigroup, according to a spokeswoman for the card issuer, but the problems were short-lived. More people were hired in July, Citigroup spokesperson Jennifer Bombardier told The Motley Fool, and call volume and wait time soon dropped dramatically. It was a tough switch, but CFO Richard Galanti explained during the company's Q4 earnings call that it was ultimately a triumphant one. There were problems, but very quickly, this difficult switch became a win for cardholders, the company, and shareholders. There was a lot of effort, and as you know, there were a few operational glitches during the first few weeks after the cutover. We're now past that, and more importantly, the new card is fantastic for our members.

Why is this a big deal for Costco? Galanti acknowledged the early troubles in his remarks, but he quickly moved to explaining why the change was a win for all involved. In terms of increased cash back rewards, the estimate is about a 40% to 50% improvement in the reward program...And it's also great for us in terms of driving member value and sales over the next years and of course lowering our effective costs of accepting credit and debit cards. The CFO laid out some of the new benefits explaining that the cash back on gas purchases rose from 3% with the former card to 4% on thew new one. He also explained that the reward offered for restaurant and travel-related purchases has climbed from 2% to 3%. The biggest change, he noted, was that the reward offered on any Costco purchases had doubled from 1% to 2%. In addition, the number of people converting from the old card has been strong, as have been the numbers signing up for the new one. It's worth noting that the immediate demand may be misleading. There was an eight-month period where the company was not accepting new rewards card signups, so there is some pent up demand. The CFO said that of the approximately 7.5 million American Express accounts that were transferred over to Citi during the conversion, about 85% were considered active. "That is, the card had been used for purchases over the previous 60 days," he added. Over 85% of the total amount of accounts have now been activated with Costco, according to Galanti. The CFO continued:
And since June 20 and just the past many weeks, 1.1 million members have applied for the new card and over 730,000 new accounts have been activated or a little over 1 million additional Citi Visa cards in circulation. It's still early. We launched only 14 weeks ago, but so far, we are beating our initial expectations in terms of conversion, usage and new sign-ups to the card. Costco's big switch caused some confusion, but it proved to be worth it. Image source: The Motley Fool.
This was a big win It must have been tempting for Costco to not risk a good thing -- or risk upsetting its customers -- and stick with American Express. Instead, it accepted a better deal for itself, its cardholders, and ultimately, its shareholders. This was a bumpy road well navigated. The warehouse club now has a more profitable program that also offers better rewards. This change may not have been easy, but it's going to pay off for years to come. 10 stocks we like better than Costco Wholesale When investing geniuses David and Tom Gardner have a stock tip, it can pay to listen. After all, the newsletter they have run for over a decade, Motley Fool Stock Advisor , has tripled the market.* David and Tom just revealed what they believe are the 10 best stocks for investors to buy right now...and Costco Wholesale wasn't one of them! That's right -- they think these 10 stocks are even better buys. There’s no bigger brand to come to Tulsa in 2016 than Costco Wholesale — in square footage at least. The warehouse store added another national brand to the booming stretch of retail on South Memorial Drive between 101st and 111th streets. It also was quite a grab for the city of Tulsa. If it had been built across the street, Tulsans would be handing over sales tax dollars to the city of Bixby. The new store in Tulsa was part of a southwestern expansion for the chain, which prefers higher income, centrally located areas for its stores. The wholesaler moved into an area dominated by Wal-Mart and its wholesale stores, Sam’s Club. Scott Mushkin, head retail analyst at Wolfe Research, a New York research firm, said, “It could impact more than just one Sam’s.” Costco is known for its private label goods and its Kirkland Signature brand. Store manager Greg Barnhart told the World before it opened that its goal is to offer the best merchandise in the marketplace. The store employs about 225. He said the store’s high pay and refund policy are key factors in establishing trust with consumers. Costco also sells giant teddy bears. “It’s kind of a big deal when we sell one of those,” said Barnhart in April.