[Narrator] This is Sophia. [Text appears on screen: Aries; 25 years old; home cook; bookworm; Social Media Marketing Manager] [Narrator] Sophia just moved into a new place, and she needs a new bed pretty badly. Not just any bed will do. [Text appears on screen: Millennials spend 4.4 hrs researching major purchases] [Narrator] Sophia needs the bed, she needs her bed. [Text appears on screen: +33% mobile research since 2017] [Narrator] But before she heads out to the stores, she needs to explore all of her options. [Text appears on screen: 60% of shoppers compare prices online] [Narrator] Delivery speed, style, ease of assembly. And most of all: price. [Text appears on screen: Millennials make 3.9 major purchases yearly] [Narrator] When it comes to big purchases like this one, Sophia knows what she's doing. She knows that research pays off, that's how she found the right laptop, TV, and the couch she's been sleeping on. [Text appears on screen: Millennials spend $4,000 per year on major purchases] [Narrator] She's proud of all that. [Text appears on screen: 70% likelihood of consumers making a major purchase in the next six months] [Narrator] As for her bed, today's the day. The day Sophia gets off that couch once and for all. [Text appears on screen: 75% of millennials are members of a loyalty program] [Narrator] After research, research, and more research, plus a few trips to her favorite furniture stores, Sophia has made up her mind. She's going to finance the bed, and a comfy mattress, through a new retailer-credit-card loyalty program. [Text appears on screen: 64% of millennials research financing with a store associate before making a major purchase] [Narrator] A program that offers a dreamy discount when she opens the card, which is exactly why she chose this retailer. [Text appears on screen: For 70% of shoppers, the ability to finance affects the amount they're willing to spend] [Text appears on screen: 61% of shoppers will pursue financing options if they receive a major discount] [Narrator] So now that Sophia has a new bed and a new loyalty card, she's already wondering what else she needs to turn her apartment into her home. [Text appears on screen: 57% of Americans always or often pick the same brand when making major purchases] [Narrator] Whatever it may be, she'll sleep easy knowing where to find it. [Text appears on screen: Retail cardholders spend $700 more annually than those without cards] [Text appears on screen:TD Retail Experience Index. TDPartnershipPrograms.com]