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It's not only your retail purchases, but your online purchases. Some people pay for their utilities with credit cards." Federal financial privacy laws (Regulation P) prohibit credit card issuers from sharing your personal and payment information with third parties not affiliated with the issuer (except under court order or when fraud is involved).

Banks must send annual copies of their privacy policies to cardholders, but the law does not govern what the issuer does with payment information internally.

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.

The MCCs, along with the name of the merchant, give credit card issuers a spyglass into cardholders' spending.

'A pretty clear picture' Stephens says the database's purchasing information can provide a pretty clear picture of credit card users. Depending on how extensively you use your credit card, they conceivably have a very clear, distinct picture of an individual. You also may use it at a doctor's office if you pay for care with a credit card.

Shopping at large supermarkets or wholesale clubs -- which offer a variety of product lines -- may also keep some purchases private.

Other tips: Spread purchases that may indicate risky behavior over several credit cards to avoid triggering an alert for a single issuer.

"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.Here's what a few of the major credit card issuers say about tracking purchases: Bank of America's policy discloses that it collects information about "account usage." Chase reveals, "Once you have been issued a card, we get information about you from the ways in which you use your card." According to Citi's policy, personal information it collects and may disclose includes "information about your transactions, such as your account balances, payment history, and account activity." "Once you use your credit card at a store, that code is tracked," says Steve Shaw, a strategic marketing manager for Fiserv, a company that develops online banking software to help financial institutions manage customer accounts.Shaw says banks are developing programs to track customer transactions and activities.It is a common industry practice to analyze the data for trends.Several issuers offer cardholders annual summaries of their spending that categorize purchasing by type of merchant and amounts spent.

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