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Issuers have been analyzing data perhaps since the first credit cards were issued.
Editor's note: See updated version of this article: What you buy, where you shop can affect your credit Think of it as an electronic bug in your wallet.
Every time you make a purchase on a credit card or debit card, a record of that transaction is logged into a database of information collected by your credit card issuer.
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How much do credit card issuers know about your purchases? Privacy questions "Obviously that is something that most credit cardholders are not going to think about," says Paul Stephens, director of policy and advocacy for the Privacy Rights Clearinghouse, a San Diego-based privacy rights groups.