Of course, it's not just that you'll pay more by using a credit card at a strip club. It's that you'll leave a perpetual electronic trail that even a half-assed divorce lawyer can recognize and exploit very effectively. Even if you're single, you still never know what future employer or government agency is going to be comparing your tip rate to the time entries. Even paranoids have real enemies, and only a fool leaves a record of his play-time when he need not.