While credit reports are only built on your responsible use of credit, the companies that issue you the cards look a little deeper into your spending habits to build a bigger risk profile for you.
What does that mean to you? If you are an avid Internet porn fan or a weekly boozer, you should pay in cash or check, not with a credit card. The companies, notably Amex, look at your specific transactions to find patterns that lead to bad debt write offs.
According to Realm of Prosperity (hat tip to Wise Bread), these items should be paid in cash:
So, while you are doing your last minute shopping, take cash to Fascinations and the liquor store. Read the rest at How To Hide Naughty Credit Card Purchases care of Real of Prosperity.
