Abstract: A computer-implemented method and computer system are proposed for assisting a consumer associated with a plurality of payment cards. When the consumer wishes to make a payment transaction, a computer system with access to information about the payment cards and access to at least one consequence database storing information relating to consequences of the making payment using the payment cards, determines consequences of making the payment using each of a plurality of the payment cards. According to the determined consequences, the computer system makes an automatic selection of one of the payment cards to use for the purchase. The computer system's selection may be presented to the consumer as a proposal. Upon the consumer accepting the proposal, the payment transaction is performed using the selected payment card.