我收到citi 信用卡，agreement 说我只能用于business和commercial， 不能用于个人用途。嘿，这是个人信用卡。没激活，给citi bank customer service 写了个emai如下l，

I have applied a Citi Professional Card and just received it. Howwever, I found the following message is the Card Agreement. - "... agree ... will not be used for personal, family, or household purpose...". How do you determine which belongs to such usage? Further, it says "...that certain federal and state consumer protection laws, ..., do not apply to this account". Can you give a list of the laws that don't apply to this account?

回的答复是叫我打电话。

我打电话过去，接电话的说不会有这样的规定吧，我就拿出agreement整段念给她听，她说没问题，citibank从不过查是不是用于个人用途，我问Are you sure，她请示了一会，说supervisor说的，买什么都没问题，大部份人都用于个人消费。

隔天，我再打电话，接线员说有这样的说法吗？我说你问问manager吧，过一会说，是不能用于个人消费，我问怎么界定呢？说不管。我问平常不管，出了问题再管不就更麻烦了吗？这certain federal and state consumer protection laws是指哪些law？答不出是什么law。

我online申请时，根本没有这些规定，说这卡如何方便地将费用分类，方便专业人员和常出差的人。没说不能个人用途。收卡前两天，收到一封信，说卡已经批，到时要仔细阅读card agreement，上面会有与申请时不同的信息。原来是这信息。