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Target had a policy for cashiers (for a while anyways) where you had to push red cards and you would get written up/verbal warnings if you attempted to skip the prompts or avoid it the team lead overheard. It was the fucking worst.
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Not too long until big box becomes like car dealerships. You don’t buy a car, you buy a loan that comes with a car.
Stores absolutely want you to get a credit card. I’m sure they get a share of the interest and fees and for many transactions that’s probably more than their gross margin on the sale itself.
For it being such a big freaking deal They sure as hell can’t seem to get around to mailing me a replacement red card mine expired I called twice a month apart, still no card. I just called a few days ago and canceled not even a why are you canceling,just thanks have a good day
You aren’t racking up enough interest on that card if you misplaced it. And they can surely see your buying history when you went to cancel and probably wouldn’t waste the time with how wide a net they cast and how often people call to cancel afterwards.
The goal is to find the people easily addicted and get them full giving as much money as possible back to target. Anyone that gets a little here and there is good too but no reason to fight over them.
Sure, the occasional customer gets into a cycle for credit card debt and ends up paying big interest. That’s not where credit card companies make their money though. There’s a fee for the merchant to process each transaction, that’s the main revenue source. Then if we’re talking about a store card, they get the ability to track your purchases everywhere you use that card, and use that info to do better marketing, merchandising, and just generally get better at selling people stuff. It’s nice to make a buck when people buy things from your store, but it’s even nicer if you can make a buck when people shop elsewhere too.
The Credit Card Companies get their 2% fee but the banks get their interest rate. The average American owes > $6000 in Credit Card Debt. At your average usury rate of 20% that’s $1200 every year for every American. That alot of fuckin money.
Get them full giving as much money as possible back to target.
Friendly reminder that’s all that a credit score is. Your profitability score.
Also not so friendly reminder they didn’t exist until 1989 so every generation prior to you had a much easier time.
I think part of the problem is that just like reviews and scores the only acceptable range you can be within is the top <20%. And that range seems to be constantly shrinking. No one wants to eat at a restaurant with below 4 stars. No one wants to help people who aren’t getting bigger and bigger loans making more and more interest.
We are a country that wants an unobtainable exceptionalism. Because that feels good and gives better returns. We focused entirely on the top and are squeezing harder to get more from it.
You get a chance to quantify and separate out by groups and it suddenly becomes a game to min-max people. It feels progressive but it just makes hierarchies.
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To be fair, who does not want an apple pie?
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Home Depot has something like that. Don’t get enough people to sign up for cards, you get a warning. Get enough people to sign up for cards and you get a $20 Gift Card.
A few months ago, I was out shopping and there was this teenager girl newly working as cashier.
She asked the usual “Do you have our app?” and I told her “No.”.Of course, with the obligatory tone that I have no interest, cause I fully expected her to follow up with “Would you like help setting it up?”. Which is always funny, because like everyone else on Lemmy, I work in IT.
I think, she absolutely understood that I have no interest, but her manager was in earshot, so she thought for a moment and then hit me with “We also have these stickers you can collect!”.
And just, goddamn, lady. I know, I probably look to you like I belong in a museum, but I’m not that old.
…of course, I didn’t actually take it personal. Not to mention that I was genuinely delighted to hear that they still have a non-tracking option. But yeah, still most definitely no interest.
because like everyone else on Lemmy, I work in IT
lol cry
I’m a licensed massage therapist. I know nothing about IT. I don’t even know what it stands for. something Technology
we need more of you. bring friends. send help.
Im a massage therapist of sorts. I work with clients updating their systems from spreadsheets to SQL databases.
The I stands for Infernal.
The I has no meaning, like in iPhone.
I’m not in IT, I’m in engineering!
…software engineering. 🥲
I don’t work in IT!
…But I am going to go to college soon to try and get an associate’s in computer science so… you know
I don’t work in IT, I thought I would growing up and did go to school for a bit but I ended up as a diesel technician
Maybe she just saw that you’re
on Lemmyworking in IT and thought your laptop didn’t have enough stickers yet.Hey, I am not in IT. But then I am not on lemmy, but on kbin.
Funny thing, the one job I ever worked before I couldn’t work anymore I was supposed to do this, but I’d just shut up the second they said no, never once did the whole thing, and got “demoted” to janitor for it. Turns out the janitors get paid more and they had to give me a raise. I unfortunately had to quit before I got that raise though due mental disabilities getting in the way.
So it was a promotion. You’ve passed.
You may be interested in reading Fear and Trembling by Amélie Nothomb.
Is that like Fear and Loathing but like set in a Radio Shack?
We can’t stop here. This is battery country.
Fear and Loathing
I don’t know the book but I don’t think so. It’s about a young Belgian woman who wants to work for a company in Japan in the 90’ and have to face a lot of cultural misunderstandings that make her job a nightmare.
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You guys are getting 15%? I always assume that these things are like “If you spend an entire month shopping here you might get a coupon for a chance to get £5 off something you weren’t going to buy anyway”.
Common to get a big discount on the first purchase. That way it looks something like “just take 5 minutes to sign up here and you’ll get $30 off your purchase today”. I feel bad for the staff that have to push it, which gets me frustrated because I just want to buy my things and go, so I end up being rude to them.
I think part of the solution is to add some regulation that say that you should be able to close the account in the same way you open it. Let me sign up, get the $30 discount, pay the bill, close the account, and have them delete my personal information so I can do it over again next time. Few people doing that and it won’t be worth the effort for business to process everything.
The one time discount actually works against me. I’ll decline a card offer so I can save the one time discount for a possible big purchase later on.
In the US, most grocery stores have made it so that you don’t get their sale prices unless you have their membership card. So you’re going to pay several dollars more for declining that membership card.
We were at a grocery store halfway across the country last summer during a road trip, and the woman asked if we had a card for that store, and of course we didn’t, because it’s not a chain near us. She held up a bag with 16 different grocery store chains on it and asked if we had any of those, and one of them was a chain my in-laws have in their area, so she tried their phone number and it worked.
In my Electonics store chain in Italy it was “if you have our card, for every 5€ spent you get 1 point. For 100 points you get 5€ discount”.
That’s a 1% discount
Yes.
I opened a Macy’s card and never used it after the initial purchase because it never gave me any discounts.
I went to an apple store once that buy my dad the basic ipad mini and had something similar.
“Hi, how can i help”
“I’d like this model of the ipad mini with x storage capacity”
“What are you going to use it for?”
“It’s for my dad i just need that specific one as it’s within the budget”
“What is he going to use it for?”
“Ipad stuff i guess, i just need that specific model”
“Video’s? Design? Editing maybe?”
I nearly walked out of there as a result of how annoying that got.
I had the misfortune of working there once at the time they were pushing .Mac accounts hard and being new I wasn’t 100% on all the details so I heard a coworker selling it and he mentioned the camera on the laptop wont work without the account. Not knowing any better I repeated that to a customer and the manager hears me say it… Needless to say she was not happy about that lol
I HATE sales with a burning passion so I would basically send people to other stores whenever I could lol want that cable? Best buy has it cheaper.
Also those people are so self absorbed… The first day starting they give us this b.s speech “congratulations! Getting accepted here is harder than getting into Stanford!” Lol…yeah… Sure…
I’ve literally waved the money at them and said “do you want this or not??!! The stop talking and sell me what I want.” Not in the Apple store but Currys here in the UK.
I just hit 'em with “my wife would kill me”. It really works.
Consider “No, would you like to join my radical anti-corporate militia?” instead.
Worst case scenario, they stop asking.
Best case, you get a new friend!
Confirmed. In my personal life it is my wife for everything. Sorry I can’t have to ask my wife. At work it’s my manager. No you can’t talk to him he is: on the road/client meeting/out sick today/working remotely/vacation/had a family thing left early.
Sears got me to come in because of a sale on mens shirts. It was raining and I am with my then two year old who is bored out of her skull in the massive line I am trying to keep her from getting upset and sitting on the sludge of mud from footprints. Counter person tries this on me and I am not proud of myself but I snap telling him that this is why the line is so long and could you please please just take my money for the items I wish to buy.
Haven’t been to a Sears in eight years.
And you’ll never be at one again. Thanks to you they went out of business.
I thought they were run into the ground because some shareholder was/is running a scam.
The CEO was selling physical locations to his own privately held firm and leasing them back to Sears, increasing their operating costs significantly… And him walking away richer.
And they missed the whole online shopping “fad”. They were the king of print catalogue sales and distribution for a century. All they needed to do was digitize it in an intelligent way. And they didn’t.
Woulda been fine if you kept shopping there. Murderer.
Sorry I can’t help myself destroying things, I am a millennial. Almost done with golf.
Retailers here (Swiss) already understood that “no and good” saves time on both sides. Goes usually like this:
- Do you have a <market bonus card>?
- Nope
- Do you want to create one?
- Thanks, no. <paying>
“Would you like to sign up for our awful credit card?” Nah. “Would you like to sign up for a free trial of our plus service that you’ll never use?” No thanks. “Do you want the X month protection plan for your USB drive that’s 10x the cost of what you’re paying today?” What? No. “Would you like to donate to this charity the company totally could but won’t but say we raised all this money for?” Nope.
The employees at my local Walgreens just walk you through pressing cancel like 4 times so you can just pay. Love them, hate Walgreens.
Oh god… this is literally what my job is turning into 😰
I almost always decline and I always say sorry for their bosses making them do this.
Almost?
Did you know that Lemmy is FREE to use with LEMMYCARD??
Free!!! Sign me up!
I purchased something that didn’t require any follow-up but they still asked for my phone number and address to put in their system. The cashier and I had an awkward moment when I found out that the 5 digits I had given him wasn’t a valid ZIP code and I had to think of a different fake one on the spot.
lol memorize the zip of your local McDonald’s and roll with that
I remember the private company taking over our little staff restaurant in the hospital years ago. And then the “talks” we received for not “upselling” to vulnerable old ladies who had clearly just lost their husband.
Sears! Dont forget the protection plans on top of this that we had to upsale. Thank you for never coming back.
Funny thing is Sears is dead but the store card (Discover) lived on long after.
