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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.

"The issuing bank has the date of transaction, name of the merchant and the amount of the transaction that allows them to process that transaction," says Nessa Feddis, senior counsel and vice president of the American Bankers Association.

She says specific information about items purchased (that you bought a gallon of milk, for example) is not included in the data transferred from the merchant.

Credit card issuers must state their privacy policies regarding personal information of customers.

The information is used to help make customer-specific offers of services.

Every transaction processed by the card networks (Visa and Master Card) is assigned a merchant category code (MCC), a four-digit number that denotes the type of business providing a service or selling merchandise. For dating and escort services, it's 7273, and for massage parlors, it's 7297. The MCC is used, for example, to restrict health care spending on health care-related credit and debit cards.

Some health care flexible spending accounts allow users to make purchases only at pharmacies or merchants with medical-related services.

"A lot of financial institutions are trying to find more ways to generate revenue." A rare glimpse into the details of behavioral modeling was revealed in a federal lawsuit filed by the Federal Trade Commission in June 2008 against subprime credit card marketer Compu Credit Corp.

According to the lawsuit, Compu Credit used an undisclosed behavioral scoring model to track customer purchases.


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