今天纽约通过了新的保护信用卡持卡人法规，主要保护用户的信用卡积分。新的法规将在 12 月 10 日生效。主要两个比较重要的内容：

  • 如果返现规则和信用卡福利有变更或者取消，或者信用卡要被关卡，信用卡公司需要提前 45 天通知持卡者
  • 用户收到提醒之后，有 90 天可以兑换他们账户中的积分
  • 新闻链接

Pursuant to the new law, credit card issuers have 45 days to provide notice to cardholders when any existing credit card account or rewards program is cancelled or closed or modified in a way that is less favorable to the consumer. This includes any change that eliminates or reduces the value of a consumer’s points, makes it harder to accumulate points, limits rewards availability, or otherwise diminishes the value of the rewards program. From the day the credit card issuer sends this notice, consumers have 90 days to redeem their accrued points or rewards in accordance with the program’s original terms and conditions. While consumers often cash in their rewards before closing their accounts, the law requires a grace period after any account is closed.

这个改动还是蛮不错的，避免了那些银行关卡直接没收积分的情况。不过由于各个州对于信用卡的法规各有不同，有的公司甚至会因为这些法规停止在某个州发卡，也挺烦的。