MONEY identity theft

4 Reasons Why You Should Shop at Stores That Got Hacked

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Mike Blake—Reuters

Almost half of all consumers surveyed are afraid to shop at retailers like Target. They shouldn't be.

This post was updated with news about Target’s new free shipping offer.

Retailers are gearing up for the holiday shopping season, but one thing has some consumers spooked: According to a new survey by CreditCards.com, 45% of respondents say they are less likely to shop at stores that have suffered a data breach, such as Target, Home Depot, or Michaels. Almost 30% say they will “probably” avoid stores that have been hacked, and 16% claim they “definitely” will.

While it’s hard to believe that half of all shoppers will actually skip the sales at major retailers come holiday season, Target did suffer a 5.5% decline in transactions last year after its data breach.

But shoppers, you’re being silly. You don’t need to avoid stores that have been hacked. Here’s why.

1) If someone steals your credit or debit card number, you have very limited liability.

You’ve got at least one reason to thank Congress: The Fair Credit Billing Act and the Electronic Fund Transfer Act cap how much money you’ll lose if someone steals your credit or debit card. If someone steals your card number but not your actual card — which could happen during a data breach — you are not liable for any fraudulent transactions. Read: You won’t lose any money. Just be sure to report any fraudulent debit card charges within 60 days of receiving your statement.

The rules are a little different if someone steals your physical card. With credit cards, you still won’t need to pay anything if you report the loss before a thief uses the card. Otherwise, your liability is capped at $50. With debit cards, you’ll only pay up to $50 if you report the theft within two days, or up to $500 if you report the theft within 60 days of receiving your statement.

There’s another reason to prefer credit over debit. When someone makes fraudulent charges on your credit card, you can challenge the bill when you receive it. But when someone else uses your debit card, that money comes straight out of your account, so it could take a little bit longer to recover your funds.

And if you’re really afraid, just stash the plastic. CreditCards.com reports that 48% of shoppers say data breaches have made them more likely to spend cash.

2) Avoiding these stores won’t protect you from the scariest kinds of identity theft.

When someone steals your credit card number and spends your money, that’s considered “existing account fraud.” Banks and credit card companies have gotten pretty good at identifying abnormal spending patterns, so you’re likely to catch existing account fraud early, and your liability is limited.

But if someone steals your Social Security number, opens a new credit card in your name, provides a new billing address, and runs up big charges, it might take you a while to notice. That’s called “new account fraud,” and it’s a real headache.

To catch new account fraud, check your credit report three times a year. It’s not hard to do, and it’s free. Your report will show all your accounts and debts, as well as your payment history. Check to make sure all of the information is accurate and all of the accounts actually belong to you. (Go. Do it now. Did you catch a problem? Here’s what to do.) If you’re afraid that your social security number has already been stolen, you can put a free fraud alert on your credit file to let lenders know or freeze your credit so that no one else can open new accounts in your name.

But you don’t give out your Social Security number every time you swipe your credit card, don’t worry about going shopping.

3) Safer cards are on the way.

Are you sick of all these data breaches? So are businesses — after all, they’re the ones on the hook for fraud, not you. That’s why Visa and Mastercard are sending out new “chip-and-pin” cards. These cards have embedded microchips, which are more secure than magnetic stripes. If you’ve ever traveled abroad, you might remember what chip-and-pin technology looks like; Europeans have been using this system since the 1990s. While not foolproof, these cards are a great improvement. President Obama signed an executive order last week requiring that all government credit cards use chip-and-pin technology.

Practically speaking, chip-and-pin cards won’t do much more to help consumers at point-of-sale — remember, you have limited liability. But starting Oct. 1, 2015, the liability will shift to whichever business has the oldest technology. If credit card companies don’t update their cards, they will be liable for any fraud; if retailers don’t offer chip-and-pin terminals, they’ll be on the hook. So everyone has an incentive to make payment systems more secure, which is ultimately in consumers’ best interest.

4) Retailers that got hacked are working harder to win back your trust.

Guess which retailer is installing chip-and-pin technology in all of its stores and on all of its branded cards — Target!

Guess which retailer offered free credit monitoring to all its customers — Target!

Guess which retailer just started offering free shipping — Target!

Given that there have been 606 data breaches already this year, according to the Identity Theft Resource Center, you can probably expect more to come. But the retailers that have already been hacked are beefing up security and offering free identity theft protection services to consumers, so you’re probably safer there than everywhere else.

If that doesn’t put your mind at ease, here are some more steps you can take:

 

MONEY Customer Service

3 Industries That Desperately Need Customer Service Makeovers

Chimpanzee on a telephone
Brad Wilson—Getty Images

Comcast is hardly the only company that should be doing some soul searching and commit—not only with words but actions—to making customer service genuinely better.

Because the state of customer service has been bad for so long, and because we’ve heard many times over that some or another big initiative would improve customer service dramatically only to have little or no impact, we’re skeptical about the effectiveness of any broad campaign supposedly crafted to address age-old customer grievances. Nonetheless, it was good to see Comcast’s recent announcement that a long-serving executive named Charlie Herrin had been named as the company’s new senior vice president of customer experience. “Charlie will listen to feedback from customers as well as our employees to make sure we are putting our customers at the center of every decision we make,” a message from Comcast president and CEO Neil Smit explained on Friday.

Read between the lines and it sure looks like Comcast is acknowledging that in the past, customers haven’t exactly been top of mind when it comes to company decisions. That’s no revelation to consumers, of course, who have routinely dinged Comcast for terrible customer service. In 2014, Comcast “won” the annual Worst Company in America competition as voted by Consumerist readers, the second time in recent years it has nabbed that dubious honor.

While it’s unclear what Herrin and Comcast will do to improve customer service, the first step in solving a problem is acknowledging that you have one, which Smit did more squarely when he said, “It may take a few years before we can honestly say that a great customer experience is something we’re known for. But that is our goal and our number one priority … and that’s what we are going to do.” To which the consensus reaction among consumers is … it’s about damn time. Followed by, we’ll believe it when we actually see real,meaningful change.

To be fair, it’s not just Comcast that’s sorely in need of a customer service makeover. Here are three entire business categories that are regularly bashed for not putting customers’ needs first on the agenda.

Pay TV & Internet Providers
Current Comcast competitor and likely merger partner Time Warner Cable is also a regular contender for the worst service title, as are other pay TV-Internet providers including DirecTV and Verizon.

Among the complaints are that there is a lack of true competition in the category, because roughly three-quarters of Americans have exactly one local choice for a high-speed Internet provider. A survey published this summer indicated that more than half of Americans would leave their cable company if they could, and nearly three-quarters said that pay TV providers are predatory and take advantage of the lack of competition. Among the most hated pay TV practices that consumers would love to see changed are promotional rates that are replaced by skyrocketing monthly charges, frustrating and time-consuming run-ins with customer service reps, and bundled packages overloaded with channels and options the customer doesn’t want (let’s add smaller packages and a la carte channel selection, please).

Wireless Providers
The good news for cell phone users is that customer satisfaction is on the rise, increasing 2.6% according to the 2014 American Customer Satisfaction Index (ACSI). The bad news, however, is that while we’re happier with the actual gadgets (from Samsung in particular), satisfaction with the companies providing our cell phone service—including AT&T, Verizon, T-Mobile, and Sprint—remains stagnant and below average.

Plenty of other studies also show just how frustrated and dissatisfied consumers are with wireless providers nowadays. A vote-off at Ranker.com, for example, placed AT&T at the top of the list of “Companies with the Worst Customer Service.” Among the many problems consumers have with wireless providers is that choosing a handset and data-minutes-texting package is absurdly complicated, with countless permutations, obfuscations, and mysterious add-on charges. This past weekend, a New York Times columnist presented a painstaking step-by-step analysis of why the $199 price advertised for the new iPhone 6 is a joke—because by the time fees and monthly upcharges are tacked on, upgrading to the new phone will easily run more than $600.

“Wireless service has always been one of the most complex purchases a human can possibly make,” Eddie Hold, a wireless industry analyst with market research firm NPD Group, summed up in a Consumer Reports story last year. “It’s always been horrific.”

Banks
Number 3 on the Ranker list of companies with the worst customer service, just below AT&T and Time Warner Cable, is Bank of America. Another study, from 24/7 Wall Street, used customer service surveys to put Bank of America in the #1 spot for its Customer Service Hall of Shame, and two other banking institutions, Citigroup and Wells Fargo, are in the top (bottom?) 10. (The study factored in ratings for these institutions’ banking and credit card services.)

What may come as a surprise—a sad and ironic one, at that—is that customer satisfaction with banks is apparently at a record high. The 2014 J.D. Power study on U.S. Retail Banking Satisfaction indicates that big banks and regional banks have made some strides in terms of making customers happier (or less disgusted) with their service, and that overall bank scores are higher than they’ve ever been since the study has been conducted. Yet the J.D. Power study shows there’s a long way to go: The most common reason given for switching banks is poor customer service, and millennials, minorities, and affluent consumers stand out as being particularly dissatisfied with today’s banks.

“Even with record high satisfaction, there are some banks that fall far short in meeting customer needs,” J.D. Power’s Jim Miller said via statement. “It is easy for banks to become complacent. To stay at the top of their game, banks should focus on those customers who are not satisfied. And consumers should keep in mind they have the opportunity to shop banks to find the right combination of services, products and fees to meet their needs.”

What’s your pick for the company with the worst customer service? Tweet us at @MONEY with the hashtag #unhappycustomer. Here’s what readers have already said. Add your nomination, and we may publish your feedback in a future post.

Related:
5 Packages That Could Replace Pay TV As We Know It
How to Pick a Bank

MONEY Airlines

Holiday Travel Just Got More Annoying Thanks to New Airline Fee

A ground crew member loads baggage onto a Spirit Airlines Inc. plane at the San Diego International Airport in San Diego, California, U.S.
Sam Hodgson—Bloomberg via Getty Images

Spirit Airlines already charges more fees than any other domestic carrier. Now it's adding a surcharge for checked bags on flights around the holidays.

In an industry enraptured with airline fees, Spirit Airlines stands out as the most fee-crazed carrier of all in the U.S., with fees for things others still provides at no additional charge, including carryon luggage, water, and the printing of a boarding pass at the airport. (If you don’t print yours at home, you’re asked to cough up $10 at check-in.) Spirit is also known for being highly profitable, and for being outrageous to get attention—the latest example being the gimmick of giving away free miles to customers who send a message to the airline explaining why they hate it so much.

This past spring, Spirit relaunched its brand to better explain how exactly it does business—low upfront fares combined with a la carte fees for almost anything beyond basic transportation, dubbed the “bare fare”—in order to quell the hate. CEO Ben Baldanza has also gone on record saying that his company may stop adding fees because it’s become difficult to think up any more new ones.

Apparently, however, the creative folks at Spirit have put their heads together and come up yet another fee—or, rather, a fee on top of a fee it already charges. The Los Angeles Times reports that Spirit has quietly tacked on a $2 surcharge on top of its usual checked baggage fees for passengers traveling during the peak winter holiday period, December 18 to January 5. The standard price to check a bag during online check-in is $40 for the first piece of luggage, so if you’re flying during the holiday period, it’ll run $42.

“Winter is coming … and that means holidays. Which means more people than ever will be traveling with Spirit to visit their loved ones,” states a message from Spirit attempting to explain the holiday surcharge. “To make sure we have room for everyone’s bags, we’re encouraging customers to pack a bit lighter.”

It almost sounds as if without such a fee, and without customers packing less, Spirit might have difficulty finding space for all the luggage people want to bring. Which is preposterous. Clearly, the fee is intended to milk passengers for a couple more bucks here and there, at a time when they’re more likely to have to pay up because they’re flying with gifts and bulky winter clothing.

No matter how Spirit tries to spin this, the airline is yet again demonstrating that it’s in love with fees, that it can’t help but push the envelope with the annoying, outrageous, nickel-and-diming of its customers—and that, in all likelihood, it’ll maintain its status as a highly profitable operation regardless.

MONEY Shopping

Now You Can Return Stuff to Sears Without Getting Out of Your Car

Sears Returns
Mel Evans—AP

A new service from Sears promises shoppers that they can make returns and exchanges in less than five minutes, without ever having to step foot outside the car.

For old-fashioned brick-and-mortar-based stores, it’s hard if not impossible to compete with the cut-throat pricing and convenience of online shopping. The strip malls and shopping centers of America are littered with shuttered stores once occupied by iconic retailers like Barnes & Noble, Staples, and yes, Sears. This week, Sears shares plummeted when news hit that the struggling retailer needed a $400 million loan from its CEO, Eddie Lampert—actually, the loan came by way of a hedge fund Lampert owns—to stay on track with plans to, well, not totally go out of business.

Also this week, Sears announced a new service that will hopefully make it a more appealing shopping option compared with online and physical store competitors alike. Earlier this year, Sears rolled out In-Vehicle Pickup as an option for its Shop Your Way app, and now customers can not only do curbside pickups of purchases without going inside stores, they can do exchanges and returns as well.

In recent years, grocery stores and select chains such as the Container Store have introduced drive-thru and pickup services targeted at today’s harried, on-the-go consumers, who can pre-order merchandise online and then swing by to pick it up—without having to actually “go shopping” for the goods inside, and without ever having to get out of the car.

To take advantage of Sears’s new service, the customer requests a return or exchange at the Sears website, and after getting an email confirmation heads to the selected store to handle the physical transaction. Once you’re in the parking lot, you use the app to alert the store you’ve arrived, and Sears guarantees a store associate will appear within five minutes to complete the return or exchange. A YouTube video explains further:

Obviously, Sears prefers that customers keep the merchandise they purchase rather than return or exchange it. But a good return policy is incredibly important in helping retailers drum up sales in the first place. Shoppers are more likely to make purchases when they know it’ll be quick and easy to return or exchange the merchandise. And once items are bought, they tend to stay bought. So long as customers don’t take advantage of the system, generous return policies generally benefit stores even more than they do shoppers.

One of the biggest reasons for the success of online sellers such as Zappos (which is owned by Amazon) is that they are renowned for terrific customer service, especially when it comes to easing the return process—complete with free shipping in both directions. Shoppers like anything that makes their lives easier, and the ability to conduct purchase pickups, returns, and exchanges from the comfort of one’s car certainly qualifies.

MONEY online shopping

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A startup is trying to brand itself as the Uber of medical marijuana delivery.

MONEY Banking

Why People Mistrust Financial Advisers

Untrustworthy businessman crossing fingers behind back
RubberBall Productions—Getty Images/Vetta

A financial planner says people can be cynical about her work. Her own experience as a bank customer helps explain why.

Very often, we financial planners convey the impression that getting your financial life into shape is easy. And that we’re in control of our finances.

If we had a bit of humility, we’d admit that we share the same frustrations as our clients.

Like dealing with low interest rates on checking accounts in combination with high banking fees.

“You get interest on this account,” the customer service representative from my bank said. This was about a month ago. I had called the bank upon receiving my monthly statement.

“Yes,” I replied. “I got a penny last month. A penny. And now you want to charge me $25 a month to have a checking account?”

She had to laugh.

I was calling to ask why a $25 charge had shown up on my formerly free checking account.

She asked if anything had changed. It had. I had paid off all my big debts. I was in much better financial shape.

Well, that explained it.

Now that I had repaid my loans to the bank, apparently my relationship with it wasn’t sufficient to earn me free checking. I was no longer paying the bank large amounts of interest, so it would start charging me this monthly fee. That is the way it works.

If this makes sense to you, you must be a banker.

Okay, that was a low blow. But for me, it’s an example of why so many clients have a bad attitude toward financial services institutions and professionals.

It’s not just the malcontents, it’s everyone. The surveys confirm that the public does not hold financial services institutions in high regard.

Many of my clients been burned before. And they’re probably still getting burned by such ridiculous tactics as fee-ing the customer to death or the inability to get a new mortgage or a small business loan without a dossier three feet thick that proves you do actually pay your bills.

I told the woman on the phone, “I just opened two checking accounts at another bank for my twin daughters. The other bank is going to charge $12 a month for each account. And as soon as my girls go show their college IDs, the accounts will be free. So tell me why I should pay you $25.”

I spoke politely, without a trace of anger.

Eventually, the customer service representative found a way to give me some credit for direct deposit of my paycheck. And she switched me to an account that will ding me only $7 a month.

Of course, if the bank had wanted to provide the best deal for a longtime customer, they could have recognized this direct deposit before. But they hadn’t. They had just slapped a fee three times larger than on my new account, perhaps hoping I wouldn’t find out how I could save some money.

Cynicism? Anger? The emotions that I feel are the same ones that people have when they approach me as a professional. As a certified financial planner I have much larger ideas that I need to convey to our customers and the general public than “I won’t cheat you or slip in something that benefits me and not you.”

But it’s tough to get through all that dreck first and get on to the important ideas.

I told the customer service representative that I didn’t mind giving up the penny in exchange for a lower monthly fee.

When I told this anecdote to one of my partners, he just had to raise the ante. “Last month, I got three pennies,” he said.

Another happy financial services customer.

———-

Harriet J. Brackey, CFP, is the co-chief investment officer of KR Financial Services, a South Florida registered investment advisory firm that manages more than $330 million. She does financial planning for clients and manages their portfolios. Before going into the financial services industry, she was an award-winning journalist who covered Wall Street. Her background includes stints at Business Week, USA Today, The Miami Herald and Nightly Business Report.

TIME Business

5 Secrets to Dealing With the Comcast Customer Service Rep From Hell

Cable Giant Comcast To Acquire Time Warner Cable
A Comcast sign is seen at one of their centers on February 13, 2014 in Pompano Beach, Florida. Joe Raedle—Getty Images

A former call center manager on how to circumvent the tricks of the trade of a "retention specialist."

Poor Ryan Block. He and his wife Veronica thought they would simply make a phone call to cancel their Comcast service when they switched providers. Instead, they went through a hellish 18-minute ordeal with an abusive “retention specialist” who browbeat both of them to keep their service. The result was a Kafka-esque conversation with a rep who continually held his powers of cancellation far out of reach.

When Block, an AOL employee and former technology journalist, decided to record the last several minutes of this seemingly endless call and post it online, the result was a PR disaster for Comcast. And what made many people angriest is that Block did just about everything right: he kept his cool, set appropriate boundaries and calmly kept stating his case. This call has quickly become an online rallying cry against corporate arrogance and sales pressure.

But most of the time, you have more power in these situations than you think. As a former call center manager turned psychotherapist, I’d like to share some tricks you can use the next time you’re on the line with the rep from hell.

  1. Hate the sin, love the sinner. Comcast claimed in a written apology that they don’t train their customer service representatives this way. Technically, they are probably correct. However, most companies strongly reward – and penalize – their retention reps around whether they keep reluctant customers. So first, be aware this is probably a low-paid employee whose job may be on the line, and realize that empathy will usually get you further than threats.
  2. Watch for “bracketing.” This is what I call a technique I see commonly in politics. Do you like family values? Of course. Should people learn to speak English in America? Golly, my English teacher always thought so. What is happening here is that people ask stupid questions with only one good answer, and then use your answer as proof that you should do what they want. Cable reps, salespeople and clerks selling extended warranties use bracketing because it leverages the power of influence, and it works. So stop their rhythm and don’t ever answer their questions. When someone asks, “Don’t you want the fastest Internet available?,” respond by politely redirecting them to your request.
  3. Repetition, repetition, repetition. One call center rep posted that their workplace had a policy of “three nos and a go” – when a customer says no three times to upselling, let them go. And when I teach people how to communicate in crisis situations, I also teach them to calmly repeat their request three times. Unless your rep is a bully like Mr. Block’s, your solution is often one more “no” away.
  4. Use the magic word. There is one thing most reps hate more than not closing the sale: getting called out in front of their supervisors. In call center lingo, the word for this is “escalate.” Politely tell the rep that you would like to escalate the call to a manager or supervisor, and often you will find yourself magically cancelled.
  5. If at first you don’t succeed, try again. Finally, realize that none these techniques may work with a determined rep who is tone-deaf to anything but winning. Instead of suffering through a lengthy ordeal with people like this, simply hang up and try your luck again with another representative.

Sadly, there is one more option: wait a few years. Sociologists have long talked about “the tragedy of the commons” where, for example, farmers over-graze open land into oblivion as long as their cows get there first. Retention policies are a modern-day tragedy of the commons: by hassling their customers now, cable companies may be improving their short-term bottom lines as they chase people away to options like Hulu and Netflix. And for many, that may ultimately be the best revenge of all against the customer service rep from hell.

Rich Gallagher, LMFT, heads Point of Contact Group, a communications skills training firm in Ithaca, NY. His books include What to Say to a Porcupine and The Customer Service Survival Kit. Follow him on Twitter at @GallagherPOC.

MONEY Customer Service

How To Break Up with Your Cable Company

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Getty Images

...or at Least Drive a Hard Bargain

If your relationship with your cable provider is driving you mad like this man, brace yourself. It’s only going to get worse.

The average monthly cable TV bill is rising 6% a year. It’s projected to hit $123 a month next year and top $200 by 2020, according to market research group NPD. To be fair, part of the surge is because the cost cable providers pay to license shows is getting steeper. But the near-monopoly that cable TV companies have in many places is to blame, too.

Most areas have just one or two pay-TV providers. And even if you’re lucky enough to have more choice, that will probably change if the Time Warner Cable-Comcast and AT&T-DirecTV deals are approved. And less choice means that the providers that remain don’t have to go above and beyond on customer service. As if they did already.

Can’t live without your favorite programs but fed up with the bill? Here are four moves you can make to cut the cost—and not all require you to cut the cord.

Downsize. How many of the 700+ channels that you get do you actually watch? A growing number of pay-TV providers are offering pared-down packages. Verizon recently rolled out its Select HD no-sports package that’s $15 a month cheaper than its $65 a month standard Prime package. Last year, Time Warner Cable launched Starter TV, a bundle of 20 premium channels plus HBO for $29.99 a month—40% less than its 200-channel, no-HBO option. And Cox Communication’s TV Starter is $24.99 a month for 155 channels vs. $49.99 for its Advanced package of 220 channels.

Play hardball. Despite their dominance, pay-TV providers are still loathe to lose customers, says digital media analyst Dan Rayburn. Call the cancellation department to talk with a retention specialist trained to hang on to customers. Ask about promotions or a discount if you’re a long-time customer. They’ll try hard to keep you, but if they don’t give, you can likely get a better deal as a new subscriber if you have a satellite dish or cable competitor where you live.

Go a la carte. Even though the Aero service that delivers low-cost broadcast TV via Internet shut down thanks to the recent Supreme Court ruling, there are still plenty of other lower cost alternatives for those who want to cut the cord, says technology industry analyst Jeff Kagan. Hulu Plus costs just $7.99 a month and shows many current programs the day after they air. If you can wait a season or two to catch up with your favorite shows, Netflix is $7.99 a month (though will go up $1 or $2 for new subscribers). Amazon Prime Instant Video, which comes with Amazon’s $99 a year Prime membership, gives you unlimited streaming movies and TV shows.

NetFlix, Hulu and Amazon are also spending millions on high quality original content. In May, Hulu announced that it would be tripling its budget for exclusive programs and launching six new shows this year, including the much-buzzed-about reality show parody Hotwives of Orlando, which premiers tonight.

Get an antenna. Today’s antennas aren’t the rabbit ears of your parents’ generation. An HD antenna for your roof or TV set top will cost you about $30 to $100,and you can get local TV channels for free. You won’t get cable programs, but you’ll pick up more than 30 broadcast networks (such as ABC, CBS, NBC, PBS, FOX). And picture quality is even better than cable, says Kagan.

MONEY Airlines

Tell an Airline How Much You Hate It and Get 8,000 Free Miles

140710_EM_IHateSpirit_1
courtesy of Spirit

The obvious downside of Spirit Airlines' new promo is that you receive 8,000 miles to use on an airline you hate.

The “Hate Thousand Miles” promotion, introduced by Spirit Airlines this week, couldn’t be attached to a more appropriate company. Spirit, known for selling low-cost flights that come with a host of pricey “gotcha” fees, is famous for being a magnet for traveler hate. The carrier is routinely referred to as the Most Hated Airline in the U.S. What’s more, in the recent past, Spirit has more or less taken the stance that it doesn’t care that it is hated by people. “We’re not for everybody, and we’re fine with that,” a Spirit spokesperson told Businessweek in 2013, after the latest survey placed the airline at the very bottom of consumer rankings.

With its new promotion, Spirit seems to be fully embracing its reviled status. Or perhaps it’s trying to bury the hatchet. According to the terms of the deal, anyone with a Spirit Airlines frequent flier account can go to hatethousandmiles.com, spew some ill will, and then collect 8,000 free miles. While it’s assumed most haters will hate on Spirit, you can actually register a complaint about any airline at the site.

“Hate on us – or any airline of your choosing – and we’ll send you 8,000 FREE SPIRIT miles. You’ll be well on your way to earning an award flight with us,” Spirit explains.

Reward flights on Spirit can be had for as little as 10,000 miles one-way, so indeed, with 8,000 free miles, you’re almost there. But again, the downside is that you’ll have to fly on the airline you (probably) just officially targeted with hate.

What’s behind this oddball promotion? Publicity, for one thing. Spirit Airlines is known for being outrageous, with a history of invoking trending scandals (Anthony Weiner, the BP oil spill, Richie Incognito) in ads.

More important, Spirit is trying to use the hate campaign as an education opportunity. Following in the footsteps of Ryanair, Europe’s hated airline that launched a friendly rebranding earlier this year, Spirit stepped up efforts to explain its pricing structure and customer service policies with a campaign that began in May. The Hate Thousand Miles promotion is being viewed as a way for Spirit to call attention to the ins and outs of how it does its hated business, thereby, hopefully, dispelling some of the hate.

“We see this as an opportunity to educate consumers about the differences of Spirit, and in return for their hate, we’ll give them a little bit of love in the form of free miles,” the airline said in a statement to the press.

Perhaps Spirit will also read what it is that customers are complaining about, and make some changes accordingly in order to make passengers happier–or at least less filled with hate.

If you’re in the process of booking or flying on Spirit and want to vent your hate right away, however, there’s a note in the fine print of the Hate Thousand Miles offer you should be aware of: “Submitting your hate feedback is not a means to submit correspondence to our Customer Support team.”

In this case, you’ll need to send your hate message twice: once to customer service, and secondly to the Hate site in order to get your free miles. If you want them.

MONEY online shopping

Should You Ditch Amazon and eBay for Alibaba’s 11 Main?

Abandoned shopping cart
Michael Wriston—Getty Images/Flickr

The June 11 launch of 11 Main, Chinese e-commerce giant Alibaba’s first foray into the U.S. retail market, set off plenty of speculation about the company’s plans to take on Amazon and eBay. But for online bargain hunters, the real question posed by 11 Main isn’t which corporation will come out on top. It’s, “Should I shop there?”

To find out, I requested an invite (the site is currently invite-only) and pulled out my credit card.

Visually, 11 Main has more in common with crafty marketplace Etsy and flash sale sites like Gilt than the no-nonsense, utilitarian look of Amazon. Rather than sell its own items, the site is a platform for smaller sellers to hawk their wares. 11 Main currently hosts over 1,000 of these sellers, and divvies up their products into categories like fashion, home, tech, toys and jewelry. You can also browse each provider’s shop, and “favorite” items, saving them to a separate page.

Since much as been made of the 11 Main vs. Amazon and eBay showdown, I decided to compare the three by shopping for identical product on each site. I selected five different items: a jump rope, iPhone cover, bottle of pet shampoo, set of children’s socks, and pair of sunglasses (eclectic enough for you?). In each case, the item is sold not by the big site itself, but by a small seller using 11 Main, Amazon, or eBay as a storefront.

Here’s what happened:

On the pure price of the item, Amazon and eBay tied with two winners apiece, leaving 11 Main to bring up the rear.

What really matters to shoppers, though, is the total cost required to get the object of your desire to your doorstep. Now, if you’re Joe Shopper, who just wants to log on and pick up one item, you should go directly to eBay, which won (or tied) on price plus shipping, four times out of five.

But who actually pays shipping on Amazon? If you shell out the $99 a year to be a Prime member, or are willing to stock your cart with $35-worth of must-haves, you can drop those nasty shipping charges on many items. Of our five buys, four qualified for Amazon’s free shipping (the fifth was mailed directly by the seller, and was therefore ineligible). Once free shipping was factored in, the power dynamic flip-flopped, and Amazon came out on top.

Now for returns. When it comes to shipping back a product from 11 Main, you and the seller are on your own: you communicate via email to hash out the details. You also deal with the seller on eBay, though you message back and forth using the site, rather than directly. Amazon provides the most mediation; the site even sent me a printable mailing label, despite the fact that I was shipping the item directly back to the seller. (The actual return policies for each item vary by seller, no matter which site you use.)

The takeaway:

At least in its current form, 11 Main is no match for America’s current online retail kingpins. Can you take advantage of Amazon’s free shipping options? If so, make the Seattle-based retailer your first click.

Stray notes on 11 Main

  • When I logged into 11 Main after making my first purchase, the site had no record of my order.
  • If the items you put in your cart are from different sellers, they are treated as entirely separate purchases, and must be bought individually. Never have I been so happy that Autofill exists.
  • 11 Main has no product reviews or seller ratings. It’s often possible to find them elsewhere online, but adds to your shopping time.

 

 

 

 

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