To stem mounting credit card debt and fraud problems in Korea, Korean credit card issuers like Kookmin are starting to experiment with restricting transactions by merchant type, time, and amount.  For example, a credit card that can't be used at bars from 8PM til 6AM could save Korean business men a lot of money.  Some day, credit card users will be able to not only program their credit cards like they would a VCR but also issue and manage their own cards.