Retail credit card statements have many benefits: specifically, defined demographics. In most cases, advertisers who participate in retail billing statement programs reach a name list of over 90% women. These are credit-worthy females as defined by the retail chain. Additionally, many retailers offer the ability to purchase products being advertised on their store card, which means the cardholder has account information handy to execute a purchase at the moment they receive the offer. Retail billing statements have an implied opening rate of 100%. These programs are designed to use underweight postage up to one ounce in a First Class mailing; thus, there are rarely more than two inserts in the outgoing package, which translates to less clutter and more visibility for the advertiser.