On the Money: Robots predict how you'll spend your points

You're going to use those credit card points on that trip to Tahiti this year; you just don't know it yet. A growing number of credit card companies are using artificial intelligence software to convince customers to use their credit card points in a certain way, be it redeeming their points for travel, dining, shopping or gift cards, with the goal of keeping those customers spending more and loyal to their cards. Companies have used your past purchases to market you items for years. If you buy a tennis racket from Amazon, soon you'll get ads from Amazon trying to sell you tennis balls. What credit card companies are doing differently is using other measurements that would typically not be associated with a particular type of consumer behavior as predictors.