评论 – Aeroplan 修改条款打击滥用，这个游戏还能玩多久？

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最近，加拿大的羊毛界最大的新闻，莫过于是Aeroplan 修改条款打击滥用，Aeroplan 官网直达网页。

首先，我们要明白Aeroplan 为什么要修改条款。条款是用来保护Aeroplan计划的（后文简称AP），以及当AP真正采取行动时，免于受到法律上面的挑战。而这次的修改内容非常具体，所以也就是说，AP准备来真的了。

而且，根据修改那里，那里就有问题的大原则，我们还可以一窥究竟之前那些地方有猫腻。

文章目录

1 生效时间
2 修改一：会员所赚取的积分将保留给会员
3 修改二：澄清了什么是滥用和禁止活动
4 修改三：对违规帐户采取的措施
5 评论
6 结语

生效时间

对于现有会员来说，生效时间为2022年12月19日开始。在2022年12月19日之后的新会员，那就是马上生效。

修改一：会员所赚取的积分将保留给会员

简单地说，就是当购物时，所积累的AP只能积到自己的帐户上面。

In Section 6, we clarified that Aeroplan Points will only be credited to the Aeroplan Account of the Aeroplan Member who conducts a transaction with an Aeroplan Partner, and will not be credited to the Aeroplan Account of another Aeroplan Member. Similarly, with respect to Aeroplan Credit Cards, Aeroplan Points will only be added to the Aeroplan Account of the primary Aeroplan Credit Card holder used in a transaction with an Aeroplan Partner and will not be added to another Aeroplan Member’s Account. This section has also been amended to include new provisions for the conversion of points earned under other loyalty programs into Aeroplan Points.

比如说，网上购物时，可以通过eStore赚取AP。但其实是不一定用自己的AP帐号，而是用其它人的，这样一来，就相当帮其它人赚取AP。

最常见的，当然就是帮公司在网上购物，用公司的信用卡付款，然后用自己的AP eStore。现在就是说，此路不通了。

当然了，条款是一回事，AP怎么执行又是一回事了。但既然已经改条款了，就是说AP已经发现这里面的猫腻了。

修改二：澄清了什么是滥用和禁止活动

在某一段时间内，AP有权限制联名卡的开卡奖励，包括AMEX CIBC 和 TD
如果某一个AP会员之前已经收到过开卡奖励的话，重复开卡不会再收到开卡奖励
如果开卡后又迅速销卡，很明显是为了开卡奖励而来的，将会受到惩罚，比如说收回AP
针对滥用eStore的AP会员作出惩罚，比如说利用退货的办法赚取AP
针对故意规避新计划条款和条件的个人的过度行为，简单地说，就是即使将来还出现其它的漏洞，AP也可以根据这一条来执法

From time to time, Aeroplan and the financial institutions that issue Aeroplan co-brand credit cards (an “ Aeroplan Credit Card ”), together with their respective affiliates and business partners, may offer an incentive or bonus of Aeroplan Points (a “Welcome Bonus” ) to incentivize a Member to become a holder of an Aeroplan Credit Card or acquire products or services (“ Products and Services ”) offered from time to time as part of the Aeroplan Program by such parties.
In connection with a Welcome Bonus being made available for becoming a holder of an Aeroplan Credit Card, such Welcome Bonus is intended as an incentive for a Member to become a holder of an Aeroplan Credit Card where that Member is not then a holder of the specific type of Aeroplan Credit Card for which the Welcome Bonus is being offered. Similarly, in connection with bonus or incentive Aeroplan Points being offered as an incentive related to Products and Services, such bonus Aeroplan Points incentives are intended for a Member who has not previously received bonus Aeroplan Points for the same Products or Services, to acquire such Products or Services.
Aeroplan may, in its sole discretion, choose to limit the number of Welcome Bonuses or similar bonuses or incentives a Member may receive in any period, and, in addition to the other remedies set forth in these Terms and Conditions, reserves the right to suspend, revoke or terminate the Account of any person who engages in a behaviour of excessive use of the Welcome Bonus offers. Such behaviours include but are not limited to: (i) applying for multiple Aeroplan Credit Cards across one or more product types or across one or more financial institutions that issue an Aeroplan Credit Card; (ii) a pattern of cancelling, or disengaging in, an Aeroplan Credit Card shortly after receiving a Welcome Bonus or similar bonus or incentive; and (iii) a pattern of purchasing and then cancelling or returning any product or service for which Aeroplan Points were issued.

修改三：对违规帐户采取的措施

AP也讲明了对于违规帐户，将有可能采取的措施：

暂停帐户，等候调查
不再允许兑换AP又或者赚取AP
关户，全部积分作废

Aeroplan Membership is a privilege that can be suspended, revoked, or terminated at any time, for any reason, and without compensation. Reasons for suspension, revocation or termination include, but are not limited to: (i) a circumstance where a Member intentionally engages in a pattern of activity or behavior that, in the reasonable opinion of Aeroplan, is intended to circumvent or work around these Terms and Conditions, or the terms and conditions of any Aeroplan partner; (ii) any abuse by a Member of any of these Terms and Conditions, any additional applicable terms and conditions or any benefit, privilege or reward associated with the Aeroplan Program; (iii) any misrepresentation by a Member to Aeroplan, its affiliates, participating partners or suppliers or to any entity associated with or participating in the Aeroplan Program; and (iv) any other actions or conduct of a Member deemed by Aeroplan, in its sole discretion, to be damaging to Aeroplan, the Aeroplan Program or the interests of Aeroplan’s affiliates, participating partners or suppliers, including, but not limited to: (i) applying for multiple credit cards across different product types (e.g., Entry, Core, Premium), across multiple financial institutions that issue an Aeroplan Credit Card in order to circumnavigate these Terms and Conditions or the terms and conditions of any such financial institution issuing an Aeroplan Credit Card thereby receiving multiple Welcome Bonuses; and (ii) a behaviour of cancelling, or disengaging in, an Aeroplan Credit Card shortly after receiving a Welcome Bonus.
Where, in the reasonable opinion of Aeroplan, a Member has violated these Terms and Conditions, Aeroplan may, at any time and in its sole discretion, take one or more of the following actions: (i) freeze the Account of any Member while Aeroplan investigates suspected activity on the part of that Member; and (ii) refuse to credit the Account of any Member, or debit the Account of any Member.
In the event a Member’s participation in the Aeroplan Program is terminated by Aeroplan in accordance with these Terms and Conditions, all accumulated Aeroplan Points will immediately be forfeited.
Aeroplan reserves the right to restrict or refuse Aeroplan Membership in the Aeroplan Program for any reason, in its sole discretion, including, if you do not meet the requirements set forth in these Terms and Conditions, if you are suspected of fraud or illicit conduct or have had an Aeroplan Membership previously revoked or terminated by Aeroplan.
Unauthorized reproduction of any Aeroplan Membership card or number, or fraudulent misrepresentation of an Aeroplan Membership is prohibited and can result in legal action. Aeroplan Membership cards and Membership numbers belong to Aeroplan and may be revoked at any time in its sole discretion.

在这里，很难对于AP的这个改动作出评价。相信，大家更感兴趣的话，自己是否会受到影响。

普通用户

如果你一直是普通用户，就是偶尔申请一两张新卡的话，那么相信对于你的影响几乎为零。为什么这样说呢，AP打击的是这几种情况：

在某一段时间内，AP有权限制联名卡的开卡奖励，包括AMEX CIBC 和 TD
如果某一个AP会员之前已经收到过开卡奖励的话，重复开卡不会再收到开卡奖励
如果开卡后又迅速销卡，很明显是为了开卡奖励而来的，将会受到惩罚，比如说收回AP

也就是说，除非你在同一时间内，同时开了AMEX CIBC 和 TD的中等卡（又或者同时开了高级卡），那么你其实没有什么好担心的。而对于一般人来说，要完成一张卡的消费挑战已经够难了，那里还有余力同时开两三张卡呢？

DLB

如果你是DLB的话，那相信也不用看这篇文章，毕竟你懂得比笔者更多。关于DLB的解释可参考：

撸毛的基本修养，从小白到大神的快速成长之路

初入门玩家

估计这个修改，对于这一类的初入门玩家的打击是最大的。因为这类人，既想继续玩下去，但又未必知道那条红线在那里。

所以，这张图就正好用上了。

这里给的提议是，里程积分和信用卡，都是一个长长久久的游戏，没有必要竭泽而渔。

而如果说，有什么事情可以做的，用来让自己更保险一些呢？基本上就是几点：

能转卡就不要销卡，信用卡入门 – 为什么说转卡永远都应该是优先选项。比如说Amex的很多卡都是没有转卡的选项，那至少该持有这张卡12个月，第二年的年费出来之后，再去销卡；到了那个时候，说不定Amex还会有retention offer来挽留你。
提升自己，增加消费。信用卡公司是要赚钱的，就是这么简单的一个道理。如果你的消费额够高的话，那么即使你偶尔越一下界，信用卡公司也犯不着跟你计较。相反，比如你的Amex Cobalt信用卡上面，每年就是齐齐整整的3万买菜消费，那么你觉得Amex会跟你客气吗？

至于，怎么才能增加消费啊。投资圈小白在《读者投稿 – 撸毛小白的感慨》里面说得再好不过了：