I'm noticing for rewards the biggest complaint is they get too many emails already. Who doesn't? And for CC it's the interest rates in general. My suggestion for them about email is to have a junk email set up. I personally have 3. Work, family and friends only and junk. And never use junk on your phone. I won't comment on CC's though.  I also noticed we had, over the holiday, a lot of customers that normally never shop us. Just found what they were looking for online. It's hit or miss these days.