One reason they keep sending you offers is because the cost of acquiring a customer is about $100-$150 on average, and they will never acquire a customer unless they send you junk mail.

Also, an interesting trend is payment by debit cards. Have you noticed when you pay at a grocery store by credit, you have to hit a couple of buttons? The discount on debit cards is less and the debit folks are trying to take business from the credit people. Generally, this means your local bank where you have your checking account vs. a national bank that issues the credit cards.