A favorite past-time in the hobby seems to be to confuse the law with the terms and conditions of a card issuer, FinTech, website, bank, or other third party. So, let’s go over a couple of ironclad truths:
- You can break the law and still be within the T&Cs
- You can break the T&Cs and still be legal
To crib from Mike Ehrmantraut, I’ve known good churners who break the T&Cs, and I’ve known bad churners who comply with T&Cs. Something something about the law too.
Good luck out there!
I’ve also known churners that broke the banana bed terms and conditions.