More and more companies are charging customers to join loyalty programs. Just take a look at Restoration Hardware, which recently launched its RH Grey Card Membership program, which carries a $100 annual fee. “Shopping, Reimagined,” is the tagline to the program on the company’s website, followed by this message: “Introducing the RH Grey Card Membership Program What you want, When you want, Always at 25% savings on Everything RH. Every day.” Member benefits include: 25% savings on RH, RH Modern....

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