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 keen to enter into a co-branding agreement with Axiom Financial Services. Under this agreement, Star's customers will be provided with an Axiom-Star credit card entitling them to 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 using StarMart's knowledge of consumer buying patterns and 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?
Publicizing the company's policies in clear and easy-to-understand language
Charging no more than the typical interest rate for month-to-month debt
Ensuring that fees for exceeding credit limits are no higher than necessary
Increasing the value of the promotional items that attract new credit card customers
Offering free debt counseling to Axiom-Star customers