If you used your credit card at a drinking establishment or a casino, bought generic motor oil or a chrome skull car accessory, you are more likely to miss a bill payment on your credit card than other cardholders would.
If you used your credit card at a dentist or a clock repair shop, bought a smoke alarm or a roof snow rake you are the kind of customer the credit card companies love.
Only 400 of 100,000 cardholders who used their credit cards at a stamp or coin store, missed four payments within the next 12 months. In comparison 3,940 of 100,000 cardholders who used their credit cards at a pool hall, missed four payments within the next 12 months.
If you purchased premium bird seed or felt pads to prevent your chairs from scratching you were most likely to pay off your debts.
Your credit card companies are analyzing every one of your purchases to assess your level of risk.
If you were recently married or having a baby, you can expect to see a credit card offer in the mail. If you recently used your card at a pawn shop or went to a marriage counselor, you can expect to see your credit lines cut.
Good luck and happy shopping!
http://www.nytimes.com/2009/05/17/magazine/17credit-t.html?_r=1&ref=magazine