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 。
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.
- 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
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.
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
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？
- 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。《读者投稿 – 撸毛小白的感慨》里面说得再好不过了：
还有人问，老板我没有你这么多资金啊，应该怎么办？怎么办？ 努力去赚钱吧！还能怎么办？ 赚到更多的钱才能撸更多的毛！