Los usuarios de tarjetas de recompensas, no estan aprovechando a fondo sus beneficios (Consumers not reaping full benefits of reward cards)

In a GMAC Mortgage survey of American consumers, over 50 percent of respondents reported having at least one or two rewards credit cards--more than 41 percent of these reward cardholders either rarely or never even bother to use their rewards. The results of the survey also indicate that traditional rewards programs, such as airline miles, are losing steam as only 13 percent of all respondents in the survey ranked airline miles as valuable.

"The results of this national survey send a loud and clear message that consumers are looking for a more compelling option when it comes to credit card rewards programs," says Mike Piazza, Vice President at GMAC Mortgage. "Many consumers have reward cards, but the value of those cards is reduced when it comes to redeeming their rewards points. There is a lot of hassle value associated with trying to redeem miles or points."

The GMAC Mortgage survey also revealed that nearly one in four rewards cardholders would use their rewards more often if it were easier to redeem their points. Seven percent of the rewards cardholders categorized the value of their credit card rewards as worthless and do not even bother with them. The recent survey of 3,000 Americans was conducted by market research firm Harris Interactive, on behalf of GMAC Mortgage.

GMAC Mortgage points to their recent release of the ditech.com Equity Rewards MasterCard along with the existing Equity Rewards MasterCard as two examples of rewards programs that give consumers a different option when it comes to credit card rewards programs. Exclusively available to GMAC Mortgage and ditech.com mortgage customers, these Equity Rewards cards allow users to pay down their mortgage with each qualified retail purchase. Users earn one point for every dollar in net retail purchases charged to the card, and when they accumulate 2,500 points, they will receive an automatic principal reduction of $25 on their GMAC or ditech.com mortgage. There are no restrictions on the number of points that can be earned and redeemed on an annual basis.

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