How to Increase Sales by Implementing a Customer Loyalty Program

If your sales are starting to plateau or decline, you’ve got to come up with a new strategy to get a cash injection into the business.

Even if your company is doing OK right now, you have to ask yourself whether your current business model is sustainable in the future. It’s always important to analyze the trends and plan ahead.

Are you utilizing a customer loyalty program?

If you have a loyalty program in place, that’s great. You’ve at least identified it’s necessary. But now, it’s time to make sure it’s actually making you money.

If you don’t have a loyalty program set up, that’s OK for right now. However, I’m going to explain to you why that needs to change soon.

Even if you don’t have a customer rewards or loyalty system in place, I’m sure you know how these work. You might even be a loyalty program participant at someone else’s business.

Basically, these programs collect consumer information, and each customer gets some kind of card, ID, or login information to track their spending habits. Members get rewards, based on how the program is set up, which encourages them to keep coming back.

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Punch cards or stamp cards are both super basic versions of a customer loyalty program.

The local food truck outside your office might give you one of those cards and reward you with a free sandwich on your tenth visit, for example.

As long as you can get customers to keep coming back and spending more money, the program will be successful. I’ll show you different ways to implement this strategy.

Why customer loyalty matters

Loyalty is important because it’s easier and less expensive to market to your current customers as opposed to acquiring new ones.

You’ve got a 60-70% chance of selling something to your existing customers. But you’ve got only a 5-20% chance of getting a sale from a prospective customer.

Plus, acquiring a new customer can be up to seven times more expensive than retaining an existing customer.

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Furthermore, a returning customer will spend 67% more money than a new customer.

All of these statistics prove why loyalty is so important, but now it’s up to you to make it happen. If you don’t act fast, one of your competitors could come up with a loyalty program that steals your customers.

Here are some of the best ways to implement a customer loyalty program.

Create a basic point system

Let’s start with something simple. Point systems are a very common way to encourage customer loyalty.

For example, every dollar spent earns the customer one point. Those points can be used to get discounts and promotions. Some of these point systems could have a cash value or be used to make purchases.

You could even give the customer ten points for every dollar spent. It makes them feel as if they are earning more.

Here’s an example of how a credit card issuer uses a point system to encourage customers to spend more money on their cards:

image8 7

Points can be used to purchase electronics or other products through their platform. Customers can track their points by logging into their customer profiles.

If they see something they want, they’ll spend more money to get more points. Eventually, they’ll redeem their points for the reward they want.

It’s a very simple but effective concept. You can easily implement this type of program into your business model.

Charge an annual fee

Charging the customers upfront to participate in the loyalty program is another strategy that has lots of benefits.

For starters, you’re collecting additional money right away whenever someone joins the program. That extra bit of cash can boost your bottom line.

But you’re also still getting the added benefits of customers coming back and spending more money.

If a local pizza shop gives you a punch card and you’re not happy with the pizza, you can just throw the card away and never go back. But that’s not the case if you pay for a loyalty membership.

Amazon Prime is a perfect example of this program in action. They charge customers $99 per year to become a member.

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One of the top benefits of being an Amazon Prime member is you can get free two-day shipping on your purchases.

Prime customers will always visit Amazon first if they want to buy something before checking out other websites. Why would they pay for shipping or wait a week to get their package when they can get it in 48 hours at no extra cost?

They already paid for the membership, so they might as well use it.

There are other added benefits to this membership, like free TV, movie, and music streaming options.

Use different program tiers based on spending habits

You can also come up with a loyalty program that rewards customers based on how much they spend. It’s one of my favorite strategies.

Implementing this method accomplishes a couple of things. First, it encourages customers to spend more money. But it also rewards your best customers.

A customer who spends $2,500 a year shouldn’t have access to the same rewards system as someone who spends $50, right?

The Sephora Beauty Insider program is one of the best examples of this type of loyalty system:

image7 11

It’s a simple concept. Anyone can sign up for free to be an Insider member. This free membership comes with perks like a birthday reward and free beauty classes.

Once an Insider member spends $350 in a calendar year, they get bumped up to VIB status. VIB customers have access to all the Insider benefits plus a couple of extra advantages.

If you’ve got a VIB card, you’ll also get a gift each month and a free custom makeover once a year.

Sephora’s best customers can become Rouge members. This status is only for people who spend more than $1,000 a year. It’s an elite club.

Rouge rewards members get free two-day shipping on all their purchases, unlimited custom makeovers, and invitations to private beauty events. Sephora even has certain products that they sell only to Rouge rewards members.

If you want your top spending customers to get more rewards, you should consider this type of program for your business.

Work with another brand to get more exposure for your loyalty program

Once you come up with a loyalty program, you’ll need to find ways to promote it. Otherwise, your customers won’t know it exists.

But as you know, marketing can be expensive. That’s why you can partner with another company to increase the exposure of both loyalty programs.

You’ll get free promotion every time the partner company pitches the rewards system.

A great example of this strategy is the partnership between Delta and American Express. Here’s a look at one of the cards on the American Express website:

image3 11

They are promoting a Delta SkyMiles card. The card comes with lots of benefits for the customer, the airline, and the credit card.

As a cardholder, you get special treatment whenever you travel with Delta. Card members don’t have to pay to check their bags and get priority boarding benefits.

They also receive discounted in-flight purchases and extra bonus points whenever they make a Delta purchase. Points can be used to get discounted flights.

This card is great for Delta because it encourages cardholders to fly with them as opposed to another airline.

American Express loves this card because it charges an annual fee and can make money on interest.

But the benefits help justify the cost and make the membership worth it to the customer.

As you can see based on everything I just talked about, this strategy of partnering with another company also incorporates some other strategies I talked about previously.

This program uses a points system and also charges an annual fee. So don’t be afraid to mix and match some of these programs.

Turn your loyalty program into a game

Get creative. Your customer loyalty program doesn’t need to be stale and boring. Find a way to spice it up and add some excitement to the mix.

You can create a game that encourages customers to keep buying from your brand. The more they shop, the greater the chances they have of winning the game.

Here’s a great example from Vons grocery store:

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They’ve created a Monopoly game for their customers.

Every time customers check out at one of their stores, they receive Monopoly tickets.

They take the tickets home and try to fill a board, which is issued by the store. The tickets and boards are completely random.

When the tickets match the board, customers can get discounts, prizes, and even a chance to win a $250 million jackpot prize.

This type of loyalty program is exciting. The best way for customers to increase their chances of filling the board is by spending more money.

When a receipt gets printed at the store, it tells the cashier how many tickets the customer is eligible for. That way, the customers who spend more money get more tickets.

It’s similar to the loyalty program with the annual pricing tiers I discussed earlier, except instead of the spending being rewarded on an annual basis, it’s rewarded based on how much was spent per visit.

Create a loyalty program that focuses on your company mission

You can also come up with a loyalty program that speaks to customers who have the same vision and mission as your company.

This is different from the other types of systems I’ve discussed so far. It also depends on the type of company you have.

The TOMS’ One for One campaign is a great example of this method:

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It’s a simple concept. For every product purchased from TOMS, the company will help a person in need.

The idea started like this. TOMS would donate a pair of shoes to a child in need every time a pair of shoes was purchased on its website. If you buy ten pairs of shoes, ten pairs of shoes would get donated.

But since then, the program has evolved to help underprivileged people in countries all over the world in more ways than just providing them with shoes.

The TOMS customers get a different type of reward. It’s a reward of helping other people.

Rather than getting points or getting gifts for themselves, the TOMS customers would rather help people who need it more.

If your company has a mission or vision similar to this one, make sure you promote this to your customers. You’ll still be able to create a sense of customer loyalty in those people who are in the giving spirit and want to help.

Conclusion

Creating a customer loyalty program is a great way to drive sales.

It doesn’t matter whether you’re a brick-and-mortar small business or a global ecommerce platform, this strategy will help your company grow.

That’s because it focuses on customer retention. It’s cheaper to market to your current customers than to find new ones. Plus, your loyal customers spend more money.

Rewards programs keep these customers coming back.

Try something simple, e.g., a basic points system. You could also charge members an annual fee to collect extra money upfront.

Consider creating a tiered program that rewards customers who spend the most money. Partner with another brand or turn your program into a game.

As you can see from the examples I’ve discussed, you can even combine some of these strategies together.

If you follow these tips, you’ll notice an increase in sales.

What type of strategy does your company use to retain customers with a loyalty program?

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  8. Hi Neil,

    Loyalty programs have been in existence for years and every industry from airlines to zoos use loyalty programs to retain customers and increase sales.

    But it’s not just big retailers, travel companies or other large corporations managing loyalty programs. Local retailers, restaurants, dry cleaners, internet marketing services and other small businesses are also jumping into the loyalty business. Why?

    • Hi Palak, it’s primarily because it’s so effective. Loyalty programs encourage people to stay loyal to one brand instead of checking out competitors.

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  27. Elizabeth Steven :

    I want to sincerely appreciate Mr Dickson who helped me with an already Program hacked ATM CARD and i was so poor without funds that i got frustrated. One morning as i was browsing on the internet, i saw different comments of people testifying of how Mr Dickson helped him from being poor to a rich man through this already hacked ATM CARD. I was skeptical if this was true, i decided to contact one of the people giving this testimony to see proof before i contact this hackers, and they proved to me beyond all doubts that its was really for real so i urgently contacted his email: dicksonblankatmhacker@gmail.com if you also want this BLANK ATM CARD i want you to contact the Hackers email: dicksonblankatmhacker@gmail.com contact his cell number +12035993877

  28. Mr Mark Roland :

    Mr Mark Roland Paco Loan Company.

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    DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

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    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.contact email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467

  29. Mr. Russell Logan :

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    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

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    RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355 aims is to provide Excellent Professional Financial Services.

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    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

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  30. Mr Mark Roland :

    Mr Mark Roland Paco Loan Company.

    Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

    DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

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  31. Mrs Donna Harris :

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate of 3% per annual for individuals, companies and corporate bodies. We have provided billions in business loans to over 10,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 or 42 hours of successful application. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via Email: mrsdonnahasloan047@gmail.com

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  33. Mr Mark Roland :

    Mr Mark Roland Paco Loan Company.

    Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

    DO YOU NEED 100% FINANCE.. we give out loans with an affordable interest rate of 3%

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    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.contact email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467 ..

  34. We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.

    DESCRIPTION OF INSTRUMENTS:
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    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4 1%
    6. Sale Price: 32 2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
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    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

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  35. Mr Mark Roland :

    Mr Mark Roland Paco Loan Company.

    Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467 ..

  36. Andres Luis :

    TARJETA EN BLANCO ATMÓSFICO URGENTE URGENTE DEL SR. JOHN (johnsiphas@gmail.com)

    Hi Viewers Obtenga su tarjeta ATM en blanco que funciona en todos los cajeros automáticos de todo el mundo. Tenemos tarjetas ATM especialmente programadas que se pueden usar para hackear cajeros automáticos, las tarjetas ATM se pueden utilizar para retirar en el cajero automático o deslizar, en las tiendas y POS. Vendemos estas tarjetas a todos los compradores interesados en todo el mundo, la tarjeta tiene un límite de retiro diario de $ 4,000 en cajeros automáticos y un límite de gastos de hasta $ 50,000 en las tiendas dependiendo del tipo de tarjeta que solicite, y también si necesita cualquier otro ciber hackear servicios, estamos aquí para usted en cualquier momento y en cualquier momento. correo electrónico johnsiphas@gmail.com Estoy agradecido con el Sr. John porque cambió mi historia de repente. La tarjeta funciona en todos los países excepto, contáctelo ahora johnsiphas@gmail.com

  37. Mr. Russell Logan :

    DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355 aims is to provide Excellent Professional Financial Services.

    Our services include the following:

    *Truck Loans
    * Personal Loans
    *Business Start up loans
    * Debt consolidation loans
    * Car Loans
    * Hotels Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Mr. Russell Logan
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    We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.

    Get your instant loan approval?

  38. If you need to hack into any database, -YOU SUSPECT THAT YOUR PARTNER IS CHEATING, Erase criminal records hack , delete record, improve credit score, spy on whatsapp,-Facebook ,hack text, phone, emails, as long as it’s hack contact jack @Via Email :: ( dhackerj7@gmail.com ) Whats-App :: +14132133375 he is great, you won’t be disappointed, cheap and fast, he saved my relationship Tell him Loya

  39. I got my programmed and blanked ATM card to
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  40. My name is Mr Steve Scott ,I am a private lender who give out loan to
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  41. If I were you, I’d be stressed out with those blank ATM comments. But thank you so much for providing great article, I really need it.

  42. nelly smith :

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  43. AZRA ISHAQUE :

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
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    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
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  44. Mr Mark Roland :

    Mr Mark Roland Paco Loan Company.

    Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms,a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?processed within 3 Of 6 working days.We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing,Contact us today Mr Mark Roland Paco Company Email: pacoloancompany@gmail.com

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    Our services include the following More Information contact +1 (419) 718-1467

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    8.Debt consolidation loans
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    10.Education Loans
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    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.contact email: pacoloancompany@gmail.com or contact Call/Text +1 (419) 718-1467 ..

  45. Andres Luis :

    URGENT AFFORDABLE BLANK ATM CARD FROM MR JOHN (johnsiphas@gmail.com)

    Hi Viewers Get your Blank ATM card that works in all ATM machines all over the world.. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $4,000 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for, and also if you are in need of any other cyber hack services, we are here for you anytime, any day. email johnsiphas@gmail.com I’m grateful to Mr John because he changed my story all of a sudden . The card works in all countries except, contact him now johnsiphas@gmail.com

  46. Caitin Dunn :

    BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS or TO START LIVING A GOOD LIFE….. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (williamshackers@hotmail.com) for how to get it and its cost . ………. EXPLANATION OF HOW THESE CARD WORKS………. You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT $1,000, 2nd VAULT $5,000, RE-PROGRAMMED, EXIT, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly… Done. ***NOTE: DON’T EVER MAKE THE MISTAKE OF CLICKING THE “ALL” OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. email (williamshackers@hotmail.com) We are located in USA.

  47. Mrs. Sharon David :

    A MUST READ: HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. JOHN MARSHALL LOAN COMPANY

    Hello to All across the globe, I am Mrs. Sharon David, from United State Of America, USA. I am a mother of 4 kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet Dr. John Marshall the most interesting part of it is that my loan was transfer to me within 48hours so I will advice you to contact Dr. John Marshall if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Dr. John Marshall today for your loan

    They offer all kind of categories of loan they

    Short term loan (1_10years)
    Long term loan (20_30 years)
    They offer loan like
    Home loan…………., Business loan…….. Debt consolidation loan …….
    Student loan……….,Business start up loan
    Business loan……. , Company loan…………..Mortgages loan
    construction loan…..car loan…….. hotel loan….personal loans..
    Investment Loan…….Commercial Loan……..Refinancing Loans
    Truck Loans…………Farm Loan etc.

    Email……….(dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836
    When it comes to financial crisis and you need to be free from financial crisis then Dr. John Marshall loans is the place to go please just tell him I Mrs. Sharon David direct you Good Luck….

  48. Mr Mark Roland :

    Hello Everyone,Mr Mark Roland Paco Loan Company

    Welcome to the future! Financing made easy with Mark Roland Loan Investment Inc.

    Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Mark Roland Loan Investment Inc. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 3% for long and short term loans. Interested applicants should contact us for further loan acquisition procedures.Email:pacoloancompany@gmail.com or Phone Number:(419) 718-1467

    Services rendered include:

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    * Home Loan
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    For more info;
    Phone Number:(419) 718-1467
    For more details contact us at: pacoloancompany@gmail.com

    With Mr Mark Roland Loan Investment Inc. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic

    Remain Blessed,
    Mr Mark Roland.

  49. verify hacker :

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  50. Mrs. Sharon David :

    A MUST READ: HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. JOHN MARSHALL LOAN COMPANY

    Hello to All across the globe, I am Mrs. Sharon David, from United State Of America, USA. I am a mother of 4 kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet Dr. John Marshall the most interesting part of it is that my loan was transfer to me within 48hours so I will advice you to contact Dr. John Marshall if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Dr. John Marshall today for your loan

    They offer all kind of categories of loan they

    Short term loan (1_10years)
    Long term loan (20_30 years)
    They offer loan like
    Home loan…………., Business loan…….. Debt consolidation loan …….
    Student loan……….,Business start up loan
    Business loan……. , Company loan…………..Mortgages loan
    construction loan…..car loan…….. hotel loan….personal loans..
    Investment Loan…….Commercial Loan……..Refinancing Loans
    Truck Loans…………Farm Loan etc.

    Email……….(dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836
    When it comes to financial crisis and you need to be free from financial crisis then Dr. John Marshall loans is the place to go please just tell him I Mrs. Sharon David direct you Good Luck/

  51. NEED A HACKED ATM CARD WITH PIN?
    We Sell Physical Loaded ATM Cards . It Is A Cloned Card That Can Be Used To Withdraw Cash At Any ATM Machine. This Cards Comes In Visa/MasterCard. Therefore It Works At Any ATM Machine That Accept Visa/MasterCard Worldwide.

    CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS?
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    HOW SAFE IS THIS CARD?
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  52. Mike William :

    Hi, My name Dearen Arthur and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Edward. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $8000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $42,000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address mikewilliamhack@gmail.com

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  55. Gary Snyder :

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  56. Hello I am Greg Mann it was a shock to me that I got an ATM card that change my life from poverty to success I never believe, it was like a dream to me. I searched for job and I saw different comments of people testifying on how they become rich by getting a blank ATM card from a hacker called Van, but I was confuse because I needed money to pay my bills and take care of my family so I said to be a rich man is all about risk so I contacted the hackers at vanalfons222@yahoo.com, I ask for the blank ATM card and I agree on the terms and condition, and it was sent to me after few days, I withdraw money with the card the same day it was a greatest surprise to me a very big thanks to this hackers VAN if you are in need of getting the blank ATM card contacted the hacker at (vanalfons222@yahoo.com).

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  59. I am Mathew Cox from USA, I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or Whats-app him +16319929129

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