So I got a call a while back on a gift card I had purchased just to make sure that it was going to the right place and it was a purchase I made. Hey, that’s great! I appreciate that since last thing you want to know is that you’ve been had and the purchase actually went through. I love this about Discover, and I love it about WalMart. Now Bank of America could take a hint here in this department. Last I checked, they locked my credit limit but it’s rather annoying when a bank increases your limit automatically and continue to do it when you tell them to stop. Fortunately, you can put locks in place on those types of things like limits.

So when they started a promotion with their Discover Bank, I decided to jump on it. A couple things struck me right off and whomever the product manager of Discover Bank should really take heed to this since it doesn’t align itself well considering their online system for the card services is up-to-par with today’s standards of web services.

• Login and Password from forms – When you ask for personal information from a user, be sure to get every single bit of it so that you can populate logins and such. Nothing from that rewards program notified you that you also had to register for an online system so while you could open an account right away and fund it, you couldn’t get in to check on it because someone forgot to add it into the forms.

  In fact, I had to call the customer service number to have someone walk through why I didn’t have a login. The lady on the other end was very nice although this type of online form issue shouldn’t happen if you have a QA department. You always have someone once-over it a couple times in the place of a brand new user to see what they can break and never make assumptions. Assuming that people won’t click on something is the first no-no in QA testing.

• https://global1.onlinebank.com – Come on now. URL that isn’t masked or loaded directly? This tells me that not only is the software outsourced, but it’s not on the same level as the web services from card side. For whatever you’re paying ORCC, you should be able to brand it directly. Even on the bottom of the interface itself, has a copyright notice from Online Resourcing Corporation. There is also a lot of web side that needs work but that’s another thing altogether. But overall, a red flag goes up as a consumer when suddenly you go from discoverbank.com to “onlinebank.com”.
• No EV-SSL? – This is another web side thing that someone should have flagged. While it’s not a huge deal in the security matters, most banking institutions actually do use it to provide more of a peace-of-mind for their customers. I will however say that I did due diligence and found that Discover Card web side also doesn’t use EV-SSL.
• link checking – Not all of the links on the front page work (check the ones on the footer). I’m not certain if they go to old domains that used to be owned by Discover, or whatever, but there are definitely links that point to nonexistent things. Due diligence again on Discover Card side of it and the link itself actually did exist.

I will say that Discover Card actually sets itself up with these issues. I wouldn’t have thought twice with another card services since I’ve used a fair amount of them and Discover is the only one that always seems to improve their online presence and has an awesome job of marketing their product lines. In fact, I personally probably wouldn’t have used the Discover Bank in seeing the things that I saw above if it wasn’t for the fact that Discover was also marketing their banking line on their card services.

In the future, I would love to see a merger of the two systems. I know that currently since the banking system is outsourced, it’s going to be a while considering I’ve done my fair share of online SaaS products. But from a consumer standpoint, some of the issues above can be fixed rather easily that will in fact increase customer peace-of-mind. Is this something that Discover wishes? I’m sure it is considering they’ve always stood out on that front in my eyes.

What can I say. Netflix continues to wow me with their automated customer service. Now, granted, this could be because I’ve been with them since … well, forever. In any case, it never ceases to amaze me that they just send me extra movies, or gifts (in the form of refunds) because of something that they mishandled or just think that it’s taking too long for the turn-around. In fact, I think this is the first time that their customer service has sent me an extra DVD due to the fact that it would take a bit for it to get here.

Don’t ask me why, but it makes me happy to support a company that actually thinks about the fact that I’m not made of money, and there are little things you can do that can make a person happy with your service. This is one of them. Definitely will have to take a page from their customer service book and apply it in my own accounting software business.

Verizon seems to have some issues with training their CSRs to respond correctly. Having worked in telecommunications for over a decade, I can say that there are procedures that are enacted in emergency situations that DO NOT require an overdue bill to be paid even though in this situation, unfortunately, it had happened.

In fact, there is specifics to what telecommunications personnel have to abide by when it comes to emergency protocol. Whether or not it’s a CSR training issue or perhaps something that was screwed up in the communications between the emergency personnel and call center, I don’t know. But I found this article to be thrown out there without understanding how the process works.

Unfortunately, my ties with Verizon Wireless from a vendor side has been a long time and they might have changed how it works internally. But it still goes to show that someone out there needs the right training because the procedures are there that overrule any “unpaid bills”.

Most people have subscribed to some sort of magazine in their lifetime. I mean any sort of magazine.

But I can tell you right now that the journalism industry is doing so poorly that it’s not even worthwhile to buy these subscriptions no matter what sort of deal you’re getting. Why? The chance of that niche disappearing is very likely and all you’ll end up with is holding the empty bag.

In this household, we’ve already had two different magazine subscriptions disappear from under our noses in the span of about two years. Just one day, you’re thinking that it’s been a while since you’ve had the last subscription. Then you go on the Internet and find out that the company has folded or the publisher just refuses to put out another copy and laid all of the writers off. What really drives me nuts is the fact that they don’t even have the courtesy to at least send a bulk mailing postcard to all of their subscribers to tell them that they basically are folding one of their publications. Just one day:

“BAM”.

Magazine disappeared. I think the nice thing between this and the newspaper industry is that at least they’ll tell you if they’re going down. Flames and all. Common courtesy and it really helps the subscriber to take the side of the struggling industry instead of getting them annoyed with the publishing corporation.

So if you run a magazine business, regardless of how successful you are, perhaps it’s time to budget out some money for postcards and stamps. Just in case there comes a time that you have to turn the lock and shut the door for the last time. Because remember that customer service is still your business and no matter where you’re going, if you want your loyal followers to come with you, don’t slap them in the face with you failed current venture.

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In the world of software development, there’s a term called “eating one’s own dog food” that should mean something to anyone that has ever had a product to sell. Basically, the meaning behind it is that one should always use their own product. There are not only many benefits to do so, but it also gives you multiple perspectives on where the product cycle should go and what kind of changes should be made.
In my own case, this definitely can be applied to Merchant’s Mirror. We not only use it for our own books, but I have paid accounts for other businesses where I do my accounting. This gives me something special that many of the other people that are actually selling their products do not have. It gives me the perspective of the customer. So I also understand the joys and frustrations coming from those of my clientele which allows me to connect on a totally different level.
The biggest achievement here is not the fact that you could perhaps fix bugs before the public finds them. If that’s your goal, then that’s not a very good one (although fixing bugs is actually a good thing). Your priority should be to figure out what your customer wants and in being both your consumer base and production team, you gain knowledge of why your customer operates in the certain way that they would and why they would want a feature that you could have deemed useless otherwise.
Finding this out is not only beneficial to all, but it builds a relationship that you can’t counter. Don’t forget the one major thing in the world of business. If you have the greatest product in the world, and no one to use it, then it might as well be a lousy product. That developer and customer relationship is crucial for any business to be successful.

• 10% off most purchases in participating U.S. Starbucks stores

• A free drink when you purchase your Starbucks Gold Card in a Starbucks store
• The option to pay for purchases any way you like
• A special Gold Card that identifies you as a member of this group

This basically means that to break even on this program, you have to spend at least $250USD a year on Starbucks. At about $4USD a drink, that’s 62.5 drinks a year, which equates to a little over five drinks a month. Not bad. So if you’re a serious coffee drinker and have a latte more than once a week, this program will definitely save you a bit in the long run. I assume that you still get all those free flavors and such, but I don’t know for sure. And don’t bother asking your barista. They probably don’t even know about this yet.
Why would I say such a thing? Brad said so. So wait until next month. When we’re all privy to the new program. You know what they say… employees are always the last to know.