No Stupid Questions
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They can match it to you phones location and your credit card number.
It's also generally not about you in particular. They mostly just want to lump you in with similar lifestyles groupings. Then they target you and your cohorts with targeted sales, advertising, or sell that data on the open market.
I don't use the app (or any for that matter), but yeah I guess they can track via my debit card.
Even still, it only takes a few data points to presume exactly who you are. They are all buying and selling data. The phone company says this credit card pays for that phone number. And that credit card is used with this store perks card....... The data is all there.