今天有人发现，Citi Double Cash (DC) 信用卡最近更新了条款，新的条款中排除了 Gift Cards (GC) 的返现能力（HT: DoC）。条款链接在此，相关部分原文如下：
The following transactions are not purchases and will not earn cash rewards: balance transfers, cash advances, checks that access your Card Account, items returned for credit, disputed or unauthorized purchases, fraudulent transactions, traveler’s checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets and gaming chips (and similar betting transactions), loads or reloads of balances on gift cards or prepaid cards or cash equivalents, person-to-person payments, Citi Flex Loans, the creation of Citi Flex Pays, Card Account fees and charges (such as late fees and finance charges), and fees for services or programs you elect to receive through us.
此条款的生效日期是2019.11.01。虽然不是很确定为啥在 GC 前面的修饰是 loads or reloads 而不是 purchases，但是这个新增条款的意图已经很明显了。
虽然大家一般也不会去用 Citi Double Cash 买 GC（因为这是张无论在哪都2%返现的卡），但是这是Citi在此方向的第一个动作，将来可能会有更多Citi信用卡有类似的条款出现。目前Citi的其他信用卡的条款还没有这个新内容。
最后再说一句，法律条款只是银行的后备武器，实际上他们是否在执行，需要靠最新的数据点来判断，我猜测短时间内还不会得到执行。当有变化发生时，我们会更新文章告知大家的，don’t panic!