Even if it's valid, which I don't think it is it's not really what HN should be about.
It's not constructive criticism since it basically writes a company off.
Even the legal issue is BS. So what if it's not 100% kosher if they get away with it, good on them. All companies when they start take risks.
What do you mean legal issue is BS? You can't even use this damn card in Macy because of legal issue.