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Saving with loyalty cards?

Almost every store has one: a loyalty card with which, according to the store in question, you are many times cheaper than someone without a card. But do loyalty cards really deliver something? And what happens to your data?

“Do you have a loyalty card?” is a standard question that many cashiers automatically ask when you pay at the cash register of a store. In addition to being a way to bind customers to themselves, it is also a way to collect data, because if you take a card, your data will be asked for.

According to professor of e-commerce Cor Molenaar, companies collect your data for various purposes. “By registering what you buy, they can approach you with targeted offers or keep you informed.”

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“They can also see which type of customer is buying which type of products at what time. Men or women? Old or young? And who does the shopping at 11 a.m. and who does it at 6 p.m.? If you know who’s coming into your store, you can respond to that.”

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Added value of a loyalty card

But what do you get in return as a customer? Molenaar does see the added value of a customer card. “A simple loyalty card that only stands for discount is outdated to me.

But a card can also offer service: quiet shopping in the Bijenkorf on a shopping evening for loyalty card holders, a restaurant that already knows which table you want to sit at because you are a cardholder, a baby shop that gives you exactly the products you need at that moment.

There is a lot more possible than just a ticket for bargain hunters.”

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“My favorite cards are from stores where I often visit, then it can be nice with discounts.”

Sabine Samsom, blogs about personal finance

Sabine Samsom blogs about personal finance and is an expert in saving money. She uses a lot of loyalty cards. Her favorite cards are from stores where she often visits. “Then it can tap nicely with discounts.

The one from HEMA, for example, is good, because with it you can save fairly quickly for a 5 euro discount or a 10 percent discount. Especially if you buy something more expensive, that makes a big difference.”

Another favorite is the GAMMA card, which gives you 1 point worth a cent for every euro you spend. For every 100 euros you spend, you get a 1 euro discount. “If you are going to renovate and pay hundreds of euros several times, this amount can increase considerably,” says Samson.

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Services add something (Saving with loyalty cards?)

Molenaar: “Service cards that really offer service add something. Discount cards also work, but they are only taken so as not to be a thief of one’s own wallet. For example, if you are a member of Albert Heijn organic, you will only be kept informed of the offers of organic products and of the new offer.

At such a moment, a card makes your life easier and has real added value.”

“The convenience serves people and many loyalty cards have a free value that I don’t want to miss.”

Sabine Samsom, blogs about personal finance

Isn’t it cheaper to walk around stores and look for the lowest price, instead of continuing to go to a store because you happen to have a discount card? Samsom: “If you feel like it and have the time, I think it pays off more than a loyalty card.

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But the convenience serves people and many loyalty cards have a free value that I don’t want to miss.”

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