Encouragement FAIL

Uh, are you kidding me?

I just received an invitation spam from HSBC Direct. Apparently, they want me to open a $25,000 or more CD with a craptacular 3.10% APY, and to encourage me to do it in the next six days, they're going to reward me with an extra $75. I know, a whole $75!

Let's do a simple calculation: $75 / $25,000 = 0.003. So, on a 3.10% APY CD, they're going to give me a three-tenths of a percent bonus for letting them use my $25k for the next six months.

FAIL.

Edited to correct my decimal place error.