It's ironic you put "good" and "bad" in quotes. Good and bad in this context are defined from the perspective of the credit card company. It might be "good" and in a customer's best interests to get marriage counselling or other mental health professional services. Do you want to discourage that? Do you want to stigmatize mental health services?
Where does it stop? Political donations? Bought something at a gun store? Bought meat?
The UN fallacy is that a collection of governments, many of them undemocratic or downright thuggish, self assemble into a moral force representing the people of the world.