In message , at 12:26:43 on
Wed, 2 Aug 2017, Recliner remarked:

56% APR - no thanks!

Surely you don't pay credit card interest? And if you don't, why worry
about the rate?

Because it puts their business model into a rather poor context.

I prefer to be objective in my decision-making, rather than emotional.

And one of the data inputs to that kind of objectivity is the APR.

Perhaps because there's a regulatory issue over "whose data" it is. If
you make one transaction with such a card, does the data about what you
bought belong to the bank or to the Clubcard people.

It's all Tesco plc,

For now, but only because they did a u-turn as recently as 2 years ago.

so why can't they use the data for both purposes?

It all depends what they told the customers. In the mean time you
sliding quickly down a slippery slope of incomprehension between the
roles of data controller and data processor.

And while the "Clubcard people" are still owned by Tesco, they did
recently toy with idea of selling it. See this article for potntial
pitfalls:

https://informationrightsandwrongs.c...tection-implic
ations-of-sale-of-tesco-clubcard-company/

Tesco also got severely spanked by the ICO for administrative glitches
in the early days of the Clubcard. I think it something to do with
having failed to get permission from the users to send 3rd-party
marketing mailshots. Yes, everyone usually asks that, but they
apparently forgot.

In those early days, the Clubcard system was operated by a third
party, Dunnhumby. Tesco only bought it some years later, in several
stages.

See slippery slope.
--
Roland Perry