Translation: get out a magnifying glass and try to figure out what all the vaguely worded tiny-print legalese means.
The credit card companies know that almost no one reads their member agreement, and that very few of those who do are lawyers.
The companies also assume, taking into account the skyrocketing percentages of people seeking credit counseling, and from the overall dumbing-down of the population in general, that the average credit card holder isn’t too bright, is incapable of managing their own finances, and couldn’t understand the member agreement even if they could read the six point font in which it’s printed.
I point out to the customer "service" people that, hey, I went to college -- graduated, in fact -- and I’m not stupid, I read the member agreement, I can’t find the information I’m seeking, and I’m asking YOU for some straight answers to a few simple questions. (And why am I not getting them?)