Clipping of news on Brazilian Culture, Law and Citizenship
01/07/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Four in ten credit card users who participate in loyalty programs have seen the points or miles expire before being used. This is one of the conclusions of a study by research firm and consultancy CVA Solutions with consumers around the country and obtained exclusively by UOL.
The survey was conducted through the internet with 6,029 consumers of all social classes and all regions of Brazil. Only holders of credit cards might respond (dependents left out).
More than half of consumers surveyed said they had cards reward program. They were asked if they had already expired points in these programs, and 44.2% said no.
The rate of those who said they had already won points (and therefore could not be used) is also high: 40.9%. The sum does not give 100% because the other 14.9% could not answer that question.
Sandro Cimatti, managing partner of CVA Solutions, says that the fact that many consumers have already left your miles expire has led to a demand for programs that centralize points as Multiplus, Smiles or Dotz.
Research shows that 66% of respondents wish to participate in one centralized program points like these.
Research shows that there is lack of knowledge on the subject
The survey shows that 54.5% of consumers surveyed have cards with reward programs, but there is still a lot of ignorance on the subject. The rate of those who know do not have the money (22.9%) is higher than those who say they do not have it (22.6%).
Among those who are registered on the type of program, 76.3% said that participation is free, 13.7% did not respond and 10% said that membership is paid.
Even among customers who are part of the programs, 46.7% said they never received rewards, next to those already made some exchange of points or miles (46.6%) index. Another 6.7% did not know.
Cards are free annuity rarer
Considering all respondents, according to the CVA, 27% of consumers have cards with free tuition. This shows a fall in the previous survey, in 2012, when 31% of consumers said they did not pay tuition.
Comparing the two surveys, it is also observed that has increased the percentage of consumers using the revolving credit card. The rotary is accessed when the client fails to pay part or all of the month of invoice.
In 2014, 34% of those surveyed by the CVA stated they had used the partial payment of the invoice prior to the survey in six months; in 2012, were 30%. In addition, 80% said they have managed to pay the full bill in 2014, down from 86% in 2012.
Costs are more important in choosing the card that benefits
According to the study, when the choice of design, factors related to the costs (tuition and interest) are most important to 59% of consumers. The benefits (rewards programs, promotions, customer service etc..) Are most important to 41%.
The survey showed that the cards that have the strongest brands (with more positive image among consumers) are Itaucard, BB Ourocard and Amex. Issuers worse, in the opinion of consumers are Votorantim, Renner, Panamericano and Magazine Luiza. Between the flags, Visa had the best review; the worse was Aura.
"Brands are generally considered stronger ones that invest heavily in the media, a lot of propaganda," says Cimatti. "Have Amex appears between strong brands because it has an image of sophistication not only among its customers, but also among other consumers."
Research Methodology
The survey was taken of CVA Solutions with 6,059 consumers of credit cards. The margin of error is 1.3 points, with 95% reliability (ie: the result was repeated in 95% of the time in which the survey was redone).
The number of respondents was weighted according to region of the country and sex (about half were women and half men). Consumers were divided into three income classes, which belong, according to the CVA, the target audience of the issuers of credit cards.
Source: Uol
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This article was translated by an automatic translation system, and was therefore not reviewed by people.