BOSTON ( MainStreet) -- American wallets and keychains are filled with more loyalty program cards and potential free stuff than ever before, but they aren't all key players in holiday shopping plans.Membership in U.S. customer-loyalty programs has reached 2.1 billion, up from 1.8 billion in 2008 and 1.3 billion in 2006, according to marketing and loyalty program tracking firm Colloquy's 2011 Loyalty Census. The average U.S. household is signed up for 18 retail loyalty programs -- roughly 50% more than shopping households were using in 2006, but also a bit of a stretch, as shoppers took part actively in only 8.4, or 46%, of all their loyalty programs.
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