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Can Three Words In Webster's Dictionary Be The Key To Customer Loyalty?
By Sean D'Souza
Are you concerned about customer loyalty? Are your customers so loyal that they will stick with you through hell and high water? And if not, you really need to question how you can create a customer relationship that’s so gluey,...
Hang Tag or Swing Ticket Manufacturers
God lies in the details-the statement is axiomatic when it comes
to branding your merchandise. In building a perfect brand image
the smaller and more subtle elements can't be ignored even if
you spend a million dollars on ad campaigns or have...
The Importance of Branding - Can It Really Make a Difference?
As consumers, we don't really think about the importance of branding. We just seem to go with the flow of brand names that have become synonymous with our daily living. But the impact of a name reinforces the importance of branding when we promote...
The Revolt of the Poor - The Demise of Intellectual Property
Three years ago I published a book of short stories in Israel. The publishing house belongs to Israel's leading (and exceedingly wealthy) newspaper. I signed a contract which stated that I am entitled to receive 8% of the income from the sales of...
Top Ten Ways to Communicate @ Work Effectively!
Whenever I ask people in a work setting, "What would improve work, profits and customer service the most where you work?" the answer is almost always "Better communication!" Once the problem is noted, the next question is, "What are some effective...
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Ethical finance: who benefits from our spending?
On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide.
Financial comparison site moneynet.co.uk provided 226 credit cards in a general credit card search, from which the consumer could choose a product to suit their lifestyle, as well as their wallet. Credit cards with charity branding involve many major organisations including Amnesty International, Christian Aid, WaterAid, RSPB, Save The Children, the Ramblers Association, Oxfam, Greenpeace, the Vegetarian Society, RSPCA, ActionAid, Children In Crisis, Help The Aged, Tearfund and the Terence Higgins Trust.
Perhaps it is fair to say that if people are going to spend on plastic, they should be helping charitable organisations on the way and should they feel
inclined to contribute to a political institution, donating a small % of each transaction is a convenient method. If most consumers were ethical spenders, then associations between transactions and third party beneficiaries would inherit this quality, but as debt spirals out of control, is it responsible or ethical that someone should benefit at the cost of someone else?
Although it is standard for most card providers to offer an introductory free period, the consumer may be hit by a more substantial annual percentage rate (APR) later on the year, with some providers, such as ASDA charging a massive APR of 28.8%. Even ActionAid charges an APR of 17.9%, rescuing the developing world at the expense of the developed.
For further information about credit cards and details on specific providers:
http://www.moneynet.co.uk/
http://www.eiris.org/
http://www.creditaction.org.uk/
http://www.moneybasics.co.uk/mb/site/Home.html
About the Author
Rachel writes for the personal finance blog cashzilla:
http://www.cashzilla.co.uk/
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