Search results for Capital One
Found 15 item(s)
Found 15 item(s). Displaying 1-15
Page 1 of 1
January 5, 2012 From Total Return: The Wall Street Journal's personal-finance blog
As the nation’s banks and financial firms emerge from the wreckage of the financial crisis, they are working out how best to lend to people with tarnished credit. Overall, credit-card issuers sent 418 million pitches to U.S. subprime borrowers in the first nine months of this year, double the year-earlier...
The Top 50 Mailers
September 2009 From Target Marketing
What a difference a year makes. With the U.S. Postal Service reporting mail volume on the decline to the tune of billions of pieces, it comes as no surprise that the 2009 Top 50 Mailers list is greatly changed from its 2008 counterpart.
September 2009 From Target Marketing
What a difference a year makes. With the U.S. Postal Service reporting mail volume on the decline to the tune of billions of pieces, it comes as no surprise that the 2009 Top 50 Mailers list is greatly changed from its 2008 counterpart.
Archive Observations: The Power of Choices
February 19, 2009 From Inside Direct Mail Weekly
With the recession and credit crunch in full swing in November, it didn't seem very likely that credit card marketers would be all that enthusiastic about offering customers, or prospects, a wider variety of choices. Yet, two offers that popped up in the mail show that some were, indeed, quite willing to be flexible. Capital One's letter to a "valued customer"-mailed in a 4-1/2" x 9-1/2" OSE with a "DATED MATERIAL" notice on the front-puts the ball firmly in her court. It simply notes that she is eligible for upgrades to her card account, and directs her to a toll-free number "to tell us which free upgrade option is best for you": more rewards, lower APR or other improvements. No reply forms, buckslips or brochures were used in the crafting of this message (Archive code #550-329024-0811).
February 19, 2009 From Inside Direct Mail Weekly
With the recession and credit crunch in full swing in November, it didn't seem very likely that credit card marketers would be all that enthusiastic about offering customers, or prospects, a wider variety of choices. Yet, two offers that popped up in the mail show that some were, indeed, quite willing to be flexible. Capital One's letter to a "valued customer"-mailed in a 4-1/2" x 9-1/2" OSE with a "DATED MATERIAL" notice on the front-puts the ball firmly in her court. It simply notes that she is eligible for upgrades to her card account, and directs her to a toll-free number "to tell us which free upgrade option is best for you": more rewards, lower APR or other improvements. No reply forms, buckslips or brochures were used in the crafting of this message (Archive code #550-329024-0811).
Mail Activity Highlights: Financial Services
December 5, 2008 From Inside Direct Mail Weekly
Could there be a better time to analyze this sector? With banks failing left and right, a gigantic bailout coming down the pike and increasingly financially anxious prospects, it makes picking through the Who’s Mailing What! Archive’s financial services sector very interesting indeed.
December 5, 2008 From Inside Direct Mail Weekly
Could there be a better time to analyze this sector? With banks failing left and right, a gigantic bailout coming down the pike and increasingly financially anxious prospects, it makes picking through the Who’s Mailing What! Archive’s financial services sector very interesting indeed.
The Crash of Two Iconic Business Models — 1
January 2008 From Denny Hatch's Business Common Sense
Most consumers know that their buying and bill-paying habits are closely monitored by the three great credit rating agencies: Equifax, Experian and TransUnion. What is less understood is the highly complex algorithm of scoring—taking all that bill-paying data on an individual and determining the chances that he or she will fail to pay a credit card charge or default on a loan. The dollar amount of credit extended and the Annual Percentage Rate (APR) charged are pinned to a consumer’s score. The unquestioned master of scoring alchemy is Fair Isaac, on whom some of the blame for the sub-prime crash—and perhaps the coming
January 2008 From Denny Hatch's Business Common Sense
Most consumers know that their buying and bill-paying habits are closely monitored by the three great credit rating agencies: Equifax, Experian and TransUnion. What is less understood is the highly complex algorithm of scoring—taking all that bill-paying data on an individual and determining the chances that he or she will fail to pay a credit card charge or default on a loan. The dollar amount of credit extended and the Annual Percentage Rate (APR) charged are pinned to a consumer’s score. The unquestioned master of scoring alchemy is Fair Isaac, on whom some of the blame for the sub-prime crash—and perhaps the coming
TM0907_Cover/chart
September 2007 From Target Marketing
The full list of 2007’s Top 50 Mailers (excludes catalogers) Company Sales/Revenue Industry List Manager(s) (in millions) Citigroup $146,558 Financial Does not rent Bank of America $117,017 Financial Does not rent JP Morgan Chase $99,845 Financial Does not rent 4 Sprint/Nextel $41,028 Telecommunications Does not rent American Express $27,136 Financial/Media Millard Group Washington Mutual $26,454 Financial Does not rent Capital One $15,191 Financial Does not rent Time Inc. $5,846 Media Millard Group/ Belardi-Ostroy Inc. 4 Pitney Bowes Co. $5,730 Business Services MeritDirect Salvation Army $5,300 Nonprofit Does not rent 4 Discover Card Services Inc. $5,000 Financial Does not rent Hearst Magazines $4,550 Media Direct Media International American Red Cross $3,919 Nonprofit The Carol Enters List Co./ American List Counsel The New York Times Company $3,289.9 Media American List Counsel BMG/Columbia House $2,400 Media Specialists Marketing Services/American List Counsel Reader’s Digest Association $2,386.2* Media American List Counsel/ The Catamount Group 4 Scholastic Inc. $2,283.8 Media Specialists Marketing Services/ Millard Group/List Services Corp. Dow Jones & Company $1,783.9 Media American List Counsel Meredith Corp. $1,600 Media American List Counsel/ Millard Group Company Sales/Revenue Industry List Manager(s) (in millions) Memorial Sloan-Kettering Cancer Society $1,623 Nonprofit Direct Media International Conde Nast Publications $1,400 Media Millard
September 2007 From Target Marketing
The full list of 2007’s Top 50 Mailers (excludes catalogers) Company Sales/Revenue Industry List Manager(s) (in millions) Citigroup $146,558 Financial Does not rent Bank of America $117,017 Financial Does not rent JP Morgan Chase $99,845 Financial Does not rent 4 Sprint/Nextel $41,028 Telecommunications Does not rent American Express $27,136 Financial/Media Millard Group Washington Mutual $26,454 Financial Does not rent Capital One $15,191 Financial Does not rent Time Inc. $5,846 Media Millard Group/ Belardi-Ostroy Inc. 4 Pitney Bowes Co. $5,730 Business Services MeritDirect Salvation Army $5,300 Nonprofit Does not rent 4 Discover Card Services Inc. $5,000 Financial Does not rent Hearst Magazines $4,550 Media Direct Media International American Red Cross $3,919 Nonprofit The Carol Enters List Co./ American List Counsel The New York Times Company $3,289.9 Media American List Counsel BMG/Columbia House $2,400 Media Specialists Marketing Services/American List Counsel Reader’s Digest Association $2,386.2* Media American List Counsel/ The Catamount Group 4 Scholastic Inc. $2,283.8 Media Specialists Marketing Services/ Millard Group/List Services Corp. Dow Jones & Company $1,783.9 Media American List Counsel Meredith Corp. $1,600 Media American List Counsel/ Millard Group Company Sales/Revenue Industry List Manager(s) (in millions) Memorial Sloan-Kettering Cancer Society $1,623 Nonprofit Direct Media International Conde Nast Publications $1,400 Media Millard
The Secrets of Successful Investing
August 2007 From Denny Hatch's Business Common Sense
Two recent headlines encapsulate the current financial wreck—the mortgage crisis that has ensnared the markets across the globe and may threaten the economy of the entire world: OVER THEIR HEADS: Small Investors, Too, Get Nailed by Arcane Trades —The Wall Street Journal, August 14, 2007 INVESTORS MULL HOW TO GET OUT OF HEDGE FUNDS: Market Turmoil Highlights Notoriously Tricky Rules for Redeeming Shares. —The Wall Street Journal, August 15, 2007 The words “over their heads” and “tricky” caught my attention. Investors are being hosed these days by Wall Street sharpies that have come up with highly complex, tricky and incomprehensible schemes that are over everyone’s head—including those that dreamed them
August 2007 From Denny Hatch's Business Common Sense
Two recent headlines encapsulate the current financial wreck—the mortgage crisis that has ensnared the markets across the globe and may threaten the economy of the entire world: OVER THEIR HEADS: Small Investors, Too, Get Nailed by Arcane Trades —The Wall Street Journal, August 14, 2007 INVESTORS MULL HOW TO GET OUT OF HEDGE FUNDS: Market Turmoil Highlights Notoriously Tricky Rules for Redeeming Shares. —The Wall Street Journal, August 15, 2007 The words “over their heads” and “tricky” caught my attention. Investors are being hosed these days by Wall Street sharpies that have come up with highly complex, tricky and incomprehensible schemes that are over everyone’s head—including those that dreamed them
A Look Inside Financial Services Direct Mail
October 2006 From Tipline
Each month, nearly a fifth of the mail collected by the Who’s Mailing What! Archive, a direct mail research service maintained by North American Publishing Co. (parent company to Target Marketing) comes from the financial services sector. With that much volume, the Archive often sees a number of interesting trends pop up among these mailers. Here’s a look at five areas where these mailers had some compelling activity in the first half of 2006. • APRs. Looking at APRs within the credit card sector can yield a number of interesting findings. For example, in the first half of 2006, the dominant APR was 0 percent,
October 2006 From Tipline
Each month, nearly a fifth of the mail collected by the Who’s Mailing What! Archive, a direct mail research service maintained by North American Publishing Co. (parent company to Target Marketing) comes from the financial services sector. With that much volume, the Archive often sees a number of interesting trends pop up among these mailers. Here’s a look at five areas where these mailers had some compelling activity in the first half of 2006. • APRs. Looking at APRs within the credit card sector can yield a number of interesting findings. For example, in the first half of 2006, the dominant APR was 0 percent,
Eye on Envelopes: 5 Trends to Watch
August 2006 From Tipline
Self-mailers—with their eye-catching formats, flashy designs, and nearly unlimited size, dimension, and finishing options—may get a good deal of the creative attention, but for most direct mailers, envelopes are the real go-to format. In the first half of 2006, some 65 percent of all efforts received by the Who’s Mailing What! Archive arrived in an envelope. In 2005 that number was a similar 64.2 percent, and in 2004, an only slightly lower 63 percent. With numbers like this, it’s easy to see why envelope creative, while perhaps not as exciting as its self-mailing cousin, is an important discipline to watch. Not only do mailers need
August 2006 From Tipline
Self-mailers—with their eye-catching formats, flashy designs, and nearly unlimited size, dimension, and finishing options—may get a good deal of the creative attention, but for most direct mailers, envelopes are the real go-to format. In the first half of 2006, some 65 percent of all efforts received by the Who’s Mailing What! Archive arrived in an envelope. In 2005 that number was a similar 64.2 percent, and in 2004, an only slightly lower 63 percent. With numbers like this, it’s easy to see why envelope creative, while perhaps not as exciting as its self-mailing cousin, is an important discipline to watch. Not only do mailers need
BCS080306_ReadersRespond
August 2006 From Denny Hatch's Business Common Sense
Note: Denny Hatch personally replies to all e-mails. Readers respond to “The Decline and Fall of Competent Direct Mail,” published Aug. 1, 2006. I totally agree with your comments on the poor creative that now dominates the credit card business. They are also very poor on the list part of the equation. For most credit card companies, mailings are treated as independent events—they can’t tell you how many offers they have mailed to one individual in the past 2 years. And since they can’t reference previous communications, they create the impression that they don’t really know who you are and they don’t really care. Catalogers
August 2006 From Denny Hatch's Business Common Sense
Note: Denny Hatch personally replies to all e-mails. Readers respond to “The Decline and Fall of Competent Direct Mail,” published Aug. 1, 2006. I totally agree with your comments on the poor creative that now dominates the credit card business. They are also very poor on the list part of the equation. For most credit card companies, mailings are treated as independent events—they can’t tell you how many offers they have mailed to one individual in the past 2 years. And since they can’t reference previous communications, they create the impression that they don’t really know who you are and they don’t really care. Catalogers
A Look Inside Statement Insert Programs
May 2006 From Tipline
Looking for another channel through which to acquire customers with a strong lifetime value? Of course this is a rhetorical question because who isn’t? Statement inserts are advertisements for products or services that ride along with monthly billing statements, and they may be your answer. There are upwards of 200 programs on the market today, and they fall into one of three primary categories: * Visa/Mastercard credit cards, including Bank of America, Capital One, Chase and MBNA, which account for about 125 million statements per month. * Retail credit cards, such as Saks, Macy’s, Belk and Sears, which total about 60 million statements per
May 2006 From Tipline
Looking for another channel through which to acquire customers with a strong lifetime value? Of course this is a rhetorical question because who isn’t? Statement inserts are advertisements for products or services that ride along with monthly billing statements, and they may be your answer. There are upwards of 200 programs on the market today, and they fall into one of three primary categories: * Visa/Mastercard credit cards, including Bank of America, Capital One, Chase and MBNA, which account for about 125 million statements per month. * Retail credit cards, such as Saks, Macy’s, Belk and Sears, which total about 60 million statements per
Business Outlook 2003
December 2002 From Target Marketing
Industry experts get serious about privacy, postage, telemarketing and more. Reported by Paul Barbagallo, Brian Howard & Hallie Mummert Privacy. The U.S. Postal Service. Telemarketing. Congress. These four topics dominated the discussion at Target Marketing's Business Outlook 2003 breakfast, held during the Direct Marketing Association conference in San Francisco in October. We gathered a distinguished panel of industry experts to outline the major issues direct marketers will face next year, and found that the more the industry changes, the more it stays the same. When Target Marketing convened a roundtable seven years ago to discuss the future of direct marketing, we gnashed teeth over
December 2002 From Target Marketing
Industry experts get serious about privacy, postage, telemarketing and more. Reported by Paul Barbagallo, Brian Howard & Hallie Mummert Privacy. The U.S. Postal Service. Telemarketing. Congress. These four topics dominated the discussion at Target Marketing's Business Outlook 2003 breakfast, held during the Direct Marketing Association conference in San Francisco in October. We gathered a distinguished panel of industry experts to outline the major issues direct marketers will face next year, and found that the more the industry changes, the more it stays the same. When Target Marketing convened a roundtable seven years ago to discuss the future of direct marketing, we gnashed teeth over
Pushing Credit in Canada
August 2001 From Target Marketing
Edited By Lisa Yorgey Pushing credit in Canada The number of credit card offers mailed to Canadian consumers in the first quarter of 2001 hit a new high of 45.8 million, reports Mail Monitor, a direct mail acquisition tracking service from BAIGlobal, a market research firm based in Tarrytown, NY. The tracking service reports that 73 percent of the 45.8 million offers mailed to Canadian consumers in the first quarter of 2001 were sent by U.S. credit card marketers, including Bank One, MBNA, Capital One and Providian. Despite the deluge of new card offers, Canadian consumer response is low and in sync with U.S.
August 2001 From Target Marketing
Edited By Lisa Yorgey Pushing credit in Canada The number of credit card offers mailed to Canadian consumers in the first quarter of 2001 hit a new high of 45.8 million, reports Mail Monitor, a direct mail acquisition tracking service from BAIGlobal, a market research firm based in Tarrytown, NY. The tracking service reports that 73 percent of the 45.8 million offers mailed to Canadian consumers in the first quarter of 2001 were sent by U.S. credit card marketers, including Bank One, MBNA, Capital One and Providian. Despite the deluge of new card offers, Canadian consumer response is low and in sync with U.S.
Lists Golfers May Be Hole-in-One Targets (862 words)
July 2001 From Target Marketing
By Kate Mason Imagine a typical American golfer. Do you picture an older gentleman playing a pristine, private course, donning plaid pants, while deepening his perpetual, George Hamilton-inspired tan? If so, think again. Who They Are Perhaps surprisingly, the average age of the some 26.4 million U.S. golf enthusiasts is 39 years, and 75 percent of active golfers play on public, not private, courses. "There is a perception that golf has been a game for older, retired men," says Judy Thompson, director of media relations, National Golf Foundation. "But while the typical golfer is male, the average age has been fairly young
July 2001 From Target Marketing
By Kate Mason Imagine a typical American golfer. Do you picture an older gentleman playing a pristine, private course, donning plaid pants, while deepening his perpetual, George Hamilton-inspired tan? If so, think again. Who They Are Perhaps surprisingly, the average age of the some 26.4 million U.S. golf enthusiasts is 39 years, and 75 percent of active golfers play on public, not private, courses. "There is a perception that golf has been a game for older, retired men," says Judy Thompson, director of media relations, National Golf Foundation. "But while the typical golfer is male, the average age has been fairly young
Credit Card Mailers Try to Break the Cycle (627 words)
February 2001 From Target Marketing
By Hallie Mummert A recent report on credit card marketing from Mail Monitor, a tracking service offered by Tarrytown, NY, research firm BAIGlobal, shows that card marketers sent 992 million direct mail acquisition packages in the second quarter of 2000. In turn, response to these offers dropped to an all-time low of 0.4 percent—which will simply spur these companies to mail even more offers to keep acquiring customers. The reason for this downward spiral in response is a no-brainer: Credit card offers are practically homogenous in appearance, the offers are similar, and the more mail in consumers' mailboxes—regardless of what type— the less response
February 2001 From Target Marketing
By Hallie Mummert A recent report on credit card marketing from Mail Monitor, a tracking service offered by Tarrytown, NY, research firm BAIGlobal, shows that card marketers sent 992 million direct mail acquisition packages in the second quarter of 2000. In turn, response to these offers dropped to an all-time low of 0.4 percent—which will simply spur these companies to mail even more offers to keep acquiring customers. The reason for this downward spiral in response is a no-brainer: Credit card offers are practically homogenous in appearance, the offers are similar, and the more mail in consumers' mailboxes—regardless of what type— the less response
Page 1 of 1
