No Stupid Questions
No such thing. Ask away!
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Card info no, why would it, they have their own payment systems over there, and your credit is of no interest to them.
Contacts, yes if you allow it.
It's no worse than installing Facebook.
Use a backup phone that's had all its data reset.
Which is a pretty damn low bar. I get what you're saying, but comparing it to The Zucc isn't doing it any favors. Facebook will mine out absolutely every piece of data that isn't nailed down and infer the rest from what they can cross-reference.
That's what I meant. People don't think twice about installing fb or twitter but freak out about the idea of Chinese apps. Even if it's all the same crap.