纽约州最近通过了一个有意思的法律，大概意思是要求银行关闭用户账户的话需要给90天grace period来兑换点数。注意这是一项已经通过的法律，并且已经于2023年12月10日起生效了，不仅仅是一个提案而已。
相关原文如下：
IF ANY CREDIT CARD ACCOUNT OR REWARDS PROGRAM IS MODIFIED, CANCELLED, CLOSED OR TERMINATED, THE HOLDER MUST RECEIVE NOTICE FROM THE ISSUER OF SUCH CANCELLATION, CLOSURE, TERMINATION OR MODIFICATION AS SOON AS POSSIBLE, AND IN ANY EVENT WITHIN FIFTEEN DAYS OF SUCH CANCELLATION, CLOSURE, TERMINATION OR MODIFICATION. BEGINNING WITH THE DATE ON WHICH NOTICE IS SENT, THE HOLDER SHALL HAVE NINETY DAYS TO REDEEM, EXCHANGE, OR OTHERWISE USE ANY CREDIT CARD POINTS.
这条法律显然对于咱们用户来说是个很好的保护。常在河边走，焉能不湿鞋，玩卡的人估计多多少少都会听说身边有朋友被某某银行“杀全家”了，本站也报道过许多案例。在被杀全家之后如果有90天的时间用来兑换掉以前积攒的点数，能减轻不小的损失。
但是这个法律还留了一点让银行讨价还价的余地：这条法律不适用于fraud和misuse。相关原文如下：
THE PROVISIONS OF SUBDIVISION TWO OF THIS SECTION SHALL NOT APPLY IN THE CASE OF FRAUD BY THE HOLDER WITH RESPECT TO THE CREDIT CARD ACCOUNT OR ANY RELATED REWARDS PROGRAM, OR MISUSE BY THE HOLDER OF THE CREDIT CARD ACCOUNT OR ANY RELATED REWARDS PROGRAM.
不确定misuse要如何定义、由谁来定义。如果是银行说了算，那他们杀全家肯定说是misuse。我不是法律专家，估计有了这条法律之后会有相关诉讼，回头有一些判例了就知道了。
总之，纽约州的这条立法对于咱们来说是个挺好的保护措施，希望其他州甚至联邦也可以跟进。
HT: DoC.