I've been annoyed by this stuff long before most people were ready to consider privacy concerns anything more than paranoia.
My safeway card is in someone else's name... one day they had to pull it for some reason and I got a "Have a nice day.... Mr.... Soprano." and a big smile.
"Thanks good to know, from now on I'll go buy at a business where this artificial limitation does not exist."
In our case, the average big ticket buyer travelled an average of 30 miles, which was awesome in that it made the end caps more valuable.
Just a generic teen drama
[1]: https://en.wikipedia.org/wiki/Address_Verification_System
IE they keep the last 4 digits of your credit card, combined with a post code you have a unique id.