As a Hank Hill kinda man, I know that would be effective, except for that whole team member reference code part. They shouldn't push it so hard to begin with. If they were a specialty store, maybe, and that's a big maybe, I could see that working. Spot is a general merchandise store though, so that's less viable. People don't want to be hassled to sign up for ANY kind of card that ties directly to their finances, whether it's debit or credit, every time the shop. I won't lie, the idea behind the red card makes sense, and it's fair, but getting the end consumer to see that it makes sense is a whole different ballgame. The expectation that all cashiers should push them on all consumers, and further that at least one consumer should sign up for one, per day, has got to stop. It really all started as a fringe move for the company to save that extra bit of money on debit purchases during the recession. I won't say the recession is over, but I will say this whole red card push has been a failure overall. It might have caused a significant amount of people to get one, but there's a greater amount of people that don't want to keep up with store cards, especially when they either tie into their bank accounts, OR are store credit cards. That greater amount is turned off by being hassled, and many will take their business elsewhere to avoid being hassled.