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Transcript

Big Brother’s Got a Credit Card—and Your Data

Spoiler: It's not the government you need to worry about

Big Brother’s Got a Credit Card—and Your Data

Spoiler: It's not the government you need to worry about

No, this isn’t about the NSA or a black SUV parked down the street. The real Big Brother in your life is plastic. That little credit card in your wallet? It’s watching everything you do. And the industry behind it? It’s booming. Because surveillance—financial surveillance—is now a trillion-dollar machine.

And if you’re not concerned about how much they know about you… maybe it’s time you should be.

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Let’s break it down:

📱 Your phone is listening.
I didn’t know I needed that many ads for feminine hygiene products—until I talked about them out loud and suddenly saw a full ad campaign in my feed.

⌨️ Every keystroke is logged.
From your Google searches to your Amazon late-night regrets, it’s all being tracked, collected, and sold.

💳 Your credit card is a data goldmine.
Every purchase gets converted into barcode data and dumped into massive data sets. That info is bundled, profiled, and auctioned off. It’s not just for fraud prevention. It’s for profit.

🏷 You’re not just a person—you’re a marketing segment.
Credit bureaus like Experian are literally selling your profile to marketers. You’ve been sorted and labeled:

  • “Frugal American”

  • “Value-Oriented Buyer”

  • “Rodeo Drive Chic”

And that’s just scratching the surface. Experian’s business model isn’t just credit scores—it’s consumer analytics. They don’t just know what you can afford. They know what you’re likely to buy next.

So… is this all bad?

You tell me.

But next time someone asks you about Big Brother, maybe don’t look toward Washington.
Check your wallet.


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Subscribe to the paid version of
CreditGenius on Substack. I’ll keep pulling back the curtain. You just need to keep showing up.

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