And when you swipe your card to check out they have your name, even if you don't use a loyalty card. Name + Face, along with some bluetooth tracking data. They can now track you forever, even if you delete the app, stop using your credit cards, etc.

>And when you swipe your card to check out they have your name, even if you don't use a loyalty card

I thought the name’s embossed on the card, but not on the magstripe/EMV chip data?

It's very much encoded in the track data. It may not be in clear-text by the time it leaves the reader but it's encoded in the data.

Do you mind linking to a source? Wikipedia has details on it, but it doesn't say anything about names. https://en.wikipedia.org/wiki/Magnetic_stripe_card#Financial...

From your link, it looks like "Name" is in Track 1:

  Start sentinel — one character (generally '%')
  Format code="B" — one character (alpha only)
  Primary account number (PAN) — up to 19 characters. 
  Field Separator — one character (generally '^')
  Name  — 2 to 26 characters
  ...

Thanks, not sure how I missed that.

It's also part of the EMV Specification and can be read with any nfc or smart-card capable reader. You don't need a special payment terminal.

https://www.emvlab.org/emvtags/show/t5F20/

There is one store in my neigbourhod where the payment terminals show this field (my full name) on the screen during checkout. I was very surprised when I noticed this the first time.

But apparrently not all card issuers fill the field with correct data. One card, a prepaid Visa from a big fintech, has "N/A" programmed in the field.