Now, you can approach and file a complaint with a watchdog agency in the guise of the Consumer Financial Protection Bureau (CFPB) to obtain satisfaction.

FORBES: Credit History Botched? Here's How To Complain And Get Results

Since consumers obtain less satisfaction from buying more of the same stuff, the rewards dropped for each extra purchase they made, from 120 points for the first unit to 80 for the second and so on up to a maximum of four purchases per round.

ECONOMIST: Economics focus