{"id":12497,"date":"2025-09-25T04:00:00","date_gmt":"2025-09-25T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=12497"},"modified":"2025-09-23T22:33:50","modified_gmt":"2025-09-24T04:33:50","slug":"thursday-wisdom-tcs-diverge-from-reality","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2025\/09\/25\/thursday-wisdom-tcs-diverge-from-reality\/","title":{"rendered":"Thursday Wisdom: T&amp;Cs Diverge from Reality"},"content":{"rendered":"\n<p>Terms and Conditions (T&amp;Cs) on financial products say plenty of things, and sometimes banks have even implemented enforcement of portions of their T&amp;Cs through software and merchant controls to make sure you&#8217;re compliant. But sometimes T&amp;Cs say things that aren&#8217;t necessarily enforced, like, I dunno, American Express&#8217;s recent update to its T&amp;Cs for Business Platinum quarterly $50 Hilton credits:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>Effective January 31, 2026, Hilton gift card purchases will no longer be considered an eligible purchase, and you will not receive the statement credit for any Hilton gift card purchases.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>This change was targeting gift cards purchased at <a href=\"http:\/\/hiltongiftcards.com\">hiltongiftcards.com<\/a> and it&#8217;s likely that purchases there will indeed not earn a quarterly credit. But I&#8217;m also certain that there are plenty of ways around it too, like buying a gift card in person at the gift shop, a Hilton restaurant, the front desk, or depositing to your room and later asking for a refund in the form of a gift card. Just because the T&amp;Cs say you won&#8217;t receive a credit, doesn&#8217;t mean you won&#8217;t receive a credit. Always be probing!<\/p>\n\n\n\n<p>Happy Wednesday!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"680\" height=\"830\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/09\/image-10.png\" alt=\"\" class=\"wp-image-12500\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/09\/image-10.png 680w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/09\/image-10-246x300.png 246w\" sizes=\"auto, (max-width: 680px) 100vw, 680px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">More T&amp;C that probably aren&#8217;t enforced.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Terms and Conditions (T&amp;Cs) on financial products say plenty of things, and sometimes banks have even implemented enforcement of portions of their T&amp;Cs through software<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[1],"tags":[],"class_list":["post-12497","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/12497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=12497"}],"version-history":[{"count":5,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/12497\/revisions"}],"predecessor-version":[{"id":12523,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/12497\/revisions\/12523"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=12497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=12497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=12497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}