I WOULD like to take issue with the opinion of Chase Manhattan's James Brew (''Credit card bonuses described as 'scams''', Business Post, September 9). I am in no doubt that these schemes will prove to be the single most motivating factor in terms of influencing consumer preference and loyalty towards the credit cards of the issuing banks. What will drive consumer behaviour will be the destinations available from the various credit card issuing banks and charge cards. An understanding of the Hong Kong consumer and a cursory look at immigration statistics on Hong Kong residents' departures by destinations will reveal two things: Consumers are motivated by the opportunity of free ''leisure'' travel, not ''business'' travel. Asian destinations - short-haul - are far more popular with Hong Kong consumers than US and other long-haul destinations. Therefore, James Brew's argument that the schemes are a ''scam'' . . . ''because it will take a couple of years before earning a free ticket to the US'' . . . is ill-considered. Furthermore, the schemes are targeted at the higher-income gold card holders who represent more profitable business for the banks. Being a Hongkong Bank credit card holder I have only two Asian destinations available through United Airlines - Japan and Singapore. Given that ''perception'' motivates consumer behaviour, I wonder how many consumers like me will look at Citibank's destinations through Singapore Airlines, Cathay Pacific and Malaysia Airlines and consider changing banks? SOAMES HINES Happy Valley
