Really? Credit card companies are starting to analyze your transaction data for ad companies. Can you not use credit card? Can we not use cell phone? When more and more aspects of our life are recorded and sold,you might find that if you don't use these services, it will be almost impossible to live a functional life. Yes, they don't force you. But when every company is doing it. You are left with little options.

I don't use a cell phone or a credit card.I don't have both of them.