I don’t understand what you’re disagreeing with me here. You’ve just shown why the village grocer making this recommendation is different than the credit card company doing this at scale using algorithms.

Also, not sure if you’re aware, but the data that the credit card company gets is really horrible. The category information is often wrong, the business name being billed is often different than the name of the business you’re buying things at, etc. They do have your credit score and probably more accurate financial situation. Google has far better information about you and your behaviors though than the CC company in general.