Birthday Club Loyalty Programs Grow With Retailers … Even Though They're Not Effective

I'm always reminded to do an annual survey of customer loyalty programs this time of year because this is when every retail and restaurant chain in America becomes my best friend, sending me well wishes and free gifts for my birthday. Happy birthday to everyone who is willing to exchange personal information for discount coupons and more junk food than is advisable to consume if you want to live to see another birthday.