KEY FINDING: 
RFG's CEO Credit Card Analysis indicates that many cards offered by the credit union are likely to be secondary cards in the member's wallet.

STATISTICS: 
Over 50% of a typical credit union's cards have less than 2 purchase transactions per month. 15% of the cards have no purchase transactions over the course of a year.

TACTIC: 
Run periodic promotions / sweepstakes for the the winner to have their monthly purchases to be paid by the credit union (Consider putting a cap on the amount paid).