Discover Financial Services

The History

A successful credit card solicitation may garner a 2% response rate. It relies on selling the advantage of using the card, giving the consumer a clear understanding of the interest rate, and balancing that with the fees

Most customers have more than one card and getting them to use it may require incentives such as a cashback bonus or a lower interest rate for a limited time. Discover was an alternative to using VISA or Mastercard when shopping at Sears. Sears spun off the financial service firm as other companies were adopting their own store brand cards

Since that time, the has also bounced around a few Chicago agencies for promotions and new member solicitations. T-Go has worked on the Discover account many times at various agencies such as Target Com, Blau, New Control Agencies.  Discover made the call to T-Go when they needed help in-house — thus I beamed up to the mothership

They were expanding into online banking and were gearing up to attract current cardmembers into the new evolving virtual banking center. This would involve many web email testing campaigns to see what would attract its consumer to cross over into virtual banking

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The End Result

The artwork went out without a hitch and they were attracting interest. Not a problem. OK, perhaps one. Credit cards are not banks. Virtually banking involves a different level of regulation more stringent than credit cards. Discover didn't quite understand that fact until bank regulators stepped in. Their online banking plans have been pushed back a bit