I don't disagree but I think an important distinction is that when you provide your credit card there is an expectation that they will be able to track you based on that.

A big problem with ad tracking these days is that its entirely out-of-site-out-of-mind, nontechy people don't expect to be tracked across the internet as much as when they buy something online with a credit card.

No it's also just that once the user is the customer, there's a requirement to actually pay them some respect. An annoyed paying customer is directly lost revenue.