We know they know who we are, but they also know what we buy, and when and how regular we buy it. And of course they know where we shop, so will you get a slap if you shop bargain basement?

I have known, for many years why you are often asked for your zip code when using your credit card, but until a couple of years ago had no idea that where you used your credit card was important. Since becoming aware of this, I have changed my credit card shopping tactics. I am not sure when I learned that credit card companies not only watch how much you spend, but where you spend. I now use my American Express in [what I assume are] AMEX worthy stores.

When I go to the mall, I love browsing in the dollar store and often make purchases there. I almost always spend $15 to $20, I mean how can I resist those pretty colored glass jars or that cute wicker basket, I can use it for… If I am low on cash I pop these items on my credit card. But now I use a card that does not have the same value to me as another one does. I don’t want my credit card $$ ceiling lowered because I have a good time in the dollar store. Something to think about the next time you go shopping.

Oh, and if you are offended, embarrassed or just surprised that you receive certain catalogs in the mail, the reason may be a in piece of plastic, your credit card. Shopper lists are often sold or traded.