StarMart Is a Retail Chain with More Than 120 Stores

StarMart is a retail chain with more than 120 stores spread across the country.The company is ready to enter into a co-branding agreement with Axiom Financial Services.StarMart's customers will be provided with an Axiom-Star credit card providing them with reward points every time they swipe their credit cards at StarMart.Cardholders will be able to redeem points for special discounts,free merchandise,and exclusive services.StarMart is planning on a targeted direct marketing campaign as well as promotional efforts on social media platforms.The agreement essentially leverages StarMart's knowledge of consumer buying patterns and their relationships with Axiom's access to financial information. A senior manager argues that the negative perception associated with mounting credit card debt will affect StarMart.Which of the following would be the least effective measure StarMart could take to address this potential problem?

A) Publicizing the company's policies in clear and easy-to-understand language
B) Charging no more than the typical interest rate for month-to-month debt
C) Ensuring that fees for exceeding credit limits are no higher than necessary
D) Increasing the value of the promotional items that attract new credit card customers
E) Offering free debt counselling to Axiom-Star customers