Well, now that Prez Kickass is going to sign the most intrusive and bureaucratic legislation in the history of America (except for his healthcare takeover) you're going to have to decide how much you want the .gov knowing about what you buy, where and when.
Because, in addition to some unelected and uncaring bureaucrat making the final decision on ALL loans, your cards will now be monitored. But don't worry! It's not like anyone in the .gov would do anything politically motivated with the knowledge that you bought that sheep costume at 2AM in Vegas if they wanted something from you.
Me, I got lazy and use a debit card for most things now. I guess I'll be going back to cash.
"Mr. P- we see that you fill your truck up two to three times a week. Don't you think that's quite a bit more gasoline than you need to be using? ...And this beer that you buy too much of..."