It’s common knowledge to many that credit card companies use a variety of methods to analyze the spending and payment habits of their customers to determine risk. For example, companies can tell based on the brand of tires customers buy with credit at a tire shop whether they’re likely to pay their bill in full, carry a balance or end up in default. Credit card companies also look at services individuals buy with credit to predict how they’ll pay.

Something all consumers should be aware of is this: what you buy with your credit card may actually affect your credit rating. If you find yourself spending with credit in the following areas you may start finding your credit undergoing a number of adjustments:

• Casinos, racetracks and any other gambling location
• Liqour stores
• Massages & escort services
• Marriage counseling
• Spas
• Bail bond services
• Court costs and fees
• Hospitals, dentists and doctor visits
• Thrift stores

Credit card company research has shown that purchases in these areas leads to a much larger chance of late payments or complete failure to pay the bill entirely. Companies and lenders may think twice before offering you credit if they see credit spending in these areas because it may reflect depression, marital problems, or even financial difficulties.

Luckily, the new credit card bill that will go into law next year will place a number of regulations on how far companies can look into your spending habits and personal information. For now, always think twice before you pay with credit and use credit cards responsibly to make sure your credit isn’t being unfairly adjusted.

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