If you have a cell phone number, you are tracked. Period.Credit cards are just so much gravy to whomever is doing the tracking. There are so many ways to track people now a days. If you have done an DNA test, like Ancestry.com or 23 and Me, the Chinese have your DNA data, and that is an absolute fact. Actuarial meta analysis will be used to predict your beliefs and potential behavior, particularly now that AI is entering the picture.