{"id":14153,"date":"2026-08-19T04:00:00","date_gmt":"2026-08-19T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=14153"},"modified":"2026-08-18T21:39:10","modified_gmt":"2026-08-19T03:39:10","slug":"wednesday-wisdom-on-tc-and-the-law","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2026\/08\/19\/wednesday-wisdom-on-tc-and-the-law\/","title":{"rendered":"Wednesday Wisdom: On T&amp;C and the Law"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">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&#8217;s go over a couple of ironclad truths:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can break the law and still be within the T&amp;Cs<\/li>\n\n\n\n<li>You can break the T&amp;Cs and still be legal<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">To crib from Mike Ehrmantraut, I&#8217;ve known good churners who break the T&amp;Cs, and I&#8217;ve known bad churners who comply with T&amp;Cs. Something something about the law too.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Good luck out there!<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"712\" height=\"752\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/08\/image-14.png\" alt=\"\" class=\"wp-image-14154\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/08\/image-14.png 712w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2026\/08\/image-14-284x300.png 284w\" sizes=\"auto, (max-width: 712px) 100vw, 712px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"font-size:14px\">I&#8217;ve also known churners that broke the banana bed terms and conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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,<\/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":[56],"tags":[],"class_list":["post-14153","post","type-post","status-publish","format-standard","hentry","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/14153","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=14153"}],"version-history":[{"count":1,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/14153\/revisions"}],"predecessor-version":[{"id":14155,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/14153\/revisions\/14155"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=14153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=14153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=14153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}