From late November the site bonus program "Malina" suddenly blossomed advertising a new partner - from December this year, Raiffeisen offers its customers a program to get credit card bank. And vice versa: Order in the Raiffeisen credit card "Malina" automatically becomes a member of the same name of the program. Immediately arose foreboding about the fate of a joint project VISA-beebonus ("Archive" and "Rosbank"). Premonitions, unfortunately, is not deceived: widely advertised an expensive project lasted less than two and a half years. However, first things first.