The credit/debit card companies dont care, as long as you are spending money. If you are are using a debit card they could care less. Visa earns roughly 3 to 5 percent on each transaction. And they dont care what you buy, or from where. Im not trying to be an ass, but i paid for a 7,000 dollar vacation on my debit card. At 5% that transaction earned visa 350$. They didnt even blink. As long as you have the money in the bank they could care less. As long as you spend it. It makes them money. The only time you might run into trouble, is if you have a "Mother Hen" credit card company. They will call you and ask if the charges are authorized. You just say yes. Thats all. Thousands of people buy grow equipment everyday. When you order from a reputable supplier, all it does is show the monetary amount. Not what you bought. The only time your bank would know what you bought on an itemized list is if you had a dispute between the bank and the retalier. Just because you bought a 1000w hps dosent mean that you are going to grow something ileagal with it.