How would you improve payments and/or credit card usage?

[Nathan Melanson]

This weekend, I'm participating in a FinTech hackathon at ATDC (startup incubator at Georgia Tech) [http://atdc.org/atdc-news/advanced-technology-deve...

The idea is a group of software developers work through the weekend, to come up with a new product. The event is sponsored by payment processors (ACH, credit cards, debit cards, gift cards), and they are looking for new ways these services can be used.

For example, by working with the credit card transaction processors, we can do things like have budgets setup by category, and have transactions rejected if they go over that budget. 

My question to you would be, what do you wish your credit card (or debit or gift card) could do to make your life easier?