今天有人發現，Citi Double Cash (DC) 信用卡最近更新了條款，新的條款中排除了 Gift Cards (GC) 的返現能力（HT: DoC）。條款鏈接在此，相關部分原文如下：
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.
此條款的生效日期是2019.11.01。雖然不是很確定為啥在 GC 前面的修飾是 loads or reloads 而不是 purchases，但是這個新增條款的意圖已經很明顯了。
雖然大家一般也不會去用 Citi Double Cash 買 GC（因為這是張無論在哪都2%返現的卡），但是這是Citi在此方向的第一個動作，將來可能會有更多Citi信用卡有類似的條款出現。目前Citi的其他信用卡的條款還沒有這個新內容。
最後再說一句，法律條款只是銀行的後備武器，實際上他們是否在執行，需要靠最新的數據點來判斷，我猜測短時間內還不會得到執行。當有變化發生時，我們會更新文章告知大家的，don’t panic!