There's a good idea under all that fluff that got in the way when you tried to reconcile it with trying to make the world a better place. Here's a thought: (I

There's a good idea under all that fluff that got in the way when you tried to reconcile it with trying to make the world a better place. Here's a thought: (I hate saying this btw, but you need to for your idea to work) To hell with the consumer. The consumer wins when they sign up for the exclusive card and get 0% interest or points or some other crap "benefit". Even better, make the offer available only to those with $5000+ spending a month or whatever, and make the card yellow or green or some other stupid colour and market it as "exclusive". Then, you take all that data from high spenders (big time consumers) and sell it back to retailers in some way by exploiting the same gimmicks - exclusive, premium retailer offers. Give them a way to track purchases to advertising campaigns, etc. Hell, you can probably remove 99% of the anonymity and give retailers access to individual consumers. The biggest problems I see is trying to find 1 card company out of 4ish that will go for this, and to hope by chance that they aren't already doing something like this.