So I was at Massive Housewares Retailer* on Monday, and at the point of purchase, as part of the shopping experience, the cashier asked me if I would like to sign up for a Massive Retailer Charge Card with 0% interest. I turned her down at first. Her reply was "Alls you need to do is fill out an application. You don't even need to put your real Social Security Number on the form. Then they'll decline it, and you won't have the card, but I get a bonus. So do it for me."
Faced with the choice of doing something nice for someone, or not, I did it, blowing past an agreement that said I was providing my true and correct information, signed that with a false social security number, and felt a pang, and thought "What have I done?" quickly followed by "I wonder how many people do this every day?"
She handed me my (declined) application paperwork and told me I could just throw it out, but thanked me for helping her get closer to that bonus.
Massive Retailer has designed an incentive program that one employee has found a way to game, by asking people to commit fraud, for her benefit.
Has anyone designed such incentive programs?
If so, how have you tried to combat this type of "persuasion" at the cash register, in the design of the program, or training?
What kind of credit card acceptance rates would be considered successful / effective for an incentive program like this?
Do you look at individual cashiers' declined/approved rates?
How do you consider the cost of this type of interaction on the customer experience, where the customer feels pressured to help a cashier?
How about the impact on the brand?
*The name has been changed to protect the retailer.